In At Work, Capsule Wardrobe, Discussions, In my closet, Link Love, Minimalism, Style, Style, Wardrobe Help, Women

In the world of Save. Spend. Splurge.

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Here’s your quick guide to international problem solving (it’s hilarious!)

Hat tip to Pauline for sharing this.


This is an interesting twist — magazines are now trying to make emaciated models look more natural and healthier with Photoshop.


If you are interested in dividend investing, you might want to check out this post and buy an ETF that invests for you.

(Note: It’s only available to Vanguard & is bought in USD; there is no similar Vanguard Canada CAD equivalent yet.)


Couldn’t have said it better.

All Canadians should read this post and treat it as a kick in the ass if you aren’t already taking care of your retirement.


Even in countries like France where they tax you to the gills (70% was someone’s estimation) and promise you a hassle-free retirement….can’t really afford to give that money to retirees.

A lot of French people who have been and are currently paying into the fund with their taxes, are now worrying that there just won’t be anything left for them at the end due to 3 major factors:

  • Less people are working to support those who are retired
  • Those who are retired are living longer
  • Country has no money, period

Stop relying on the government for your retirement and start thinking about it earlier than the age of 40, please.


It’d be so cool to get Bill Gates as your Secret Santa… except would it have killed him to buy her something on her wish list too. Maybe not the iPad (awkward moment!) but …a little lipstick at least!?

Boys. Geeks. They never grow up not really knowing what women want even if they’ve been given a list.



after-DRK-3-months-23kg (Image via afterDRK)

Still looking for the perfect minimalist wardrobe? AfterDRK is living for 3 months with 23kg (50.7 pounds).

You can also read my posts on minimalism + wardrobe here:

For the record, 3 months is not that long (for me) for living with very minimal amounts of clothes.

I very easily traveled the world for a year with a carry-on and a backpack, but I didn’t look super stylish.

Would I want to live with my traveling wardrobe forever?


Could I do something similar like afterDRK? Yes. If I was forced.

But I don’t wanna.

Please don’t make me.



I liked these candid shots from the Best red carpet moments of 2013 (love me some Jennifer Lawrence!).

……but these “top 10 shopping moments” made me do a “WTF” double take because they’re all pretty much hideous.


Tell me! WHO?!!?!?!?!



Thanks to YLF for sharing the links.


My so-called privileged upper middle class life was a very well-written and interesting post to read because I like knowing how people grew up and how they perceive what their childhood was like.

(Obviously, as I wrote about my own experience with money here, and my fathers’ with his mother here.)

My advice at the end of it all? Move to another city you can afford or suck it up.

Otherwise, you might as well get started on learning how to survive on minimum wage.



If you have $1145 USD and buy this supposedly “perfect” suitcase for women, then you have way too much money and should consider sending some of it to me.

I know this is ironic because I love matching things that go together and organizing everything perfectly, but you can achieve the same result for a lot less money.

I know this because I’ve done it myself plenty of times when I travel and I pack a lot more stuff into the same sized carryon.

There are already suitcases out there with the same flap in the middle to stop your things from moving around, and you just need to buy little bags and pouches for your things (you could just label them yourself).



Someone with a company that does a lot of sales should hire these 2 little girls. They’re HUSTLERS!

Speaking of hustlers, this guy turned $1500 into a million in 3 years trading penny stocks but I wouldn’t recommend you try his strategy unless you’re really into risk-taking and very focused.

It sounds very lucrative and appealing but I’ll stick to slow and steady index funds.

At any rate you do not want to end up like this guy who made pots and pots of money, but basically wasted it all and now lives in a shelter and doesn’t really talk to his family any longer.


Hi pretty (expensive) dress in Marina blue or Navy/Nude.

Will you come and be friends with my other dresses in my closet?


You heard it here first, I’m advocating you to turn into a hipster.


I will not be doing this when giving birth to Baby Bun.




Via NY Mag

Lyndsey Scott — supermodel who is also programmer at night — this has to be the best news ever to me, as someone who used to be a coder. We need more women out there who are proud to be in professions that are seemingly unattractive or geeky.


If I were a single bachelorette for the rest of my life, I’d TOTALLY love to live in a place like this.


My only concern (aside from the $400,000 price tag for 500 square feet) would be where my clothes would go.

Didn’t see a closet in there, although maybe it’s just really well hidden?


Want to make an easy $40,000 a year ($160,000 total) and get to go to Harvard? Click here.

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Sherry of Save. Spend. Splurge.

Am my own Sugar Daddy. Am a millionaire at 36 after getting out of $60K of student debt in 18 months, a little over a decade earlier, using I have worked 50% of my career (taking 1-2 year breaks), and quadrupled my income within 2 years of graduating, going from $65K to $260K with an average lifetime savings rate of 50%. I have 11 side incomes that are on track in 2020 to make me $50K - $75K. I could retire today if I wanted, but love my work-life balance as a freelancing consultant in STEM (Science, Technology, Engineering, Math). I am all about balance - between time and money, and also enjoying my money. I also post daily on Instagram @saverspender.

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In the world of Save. Spend. Splurge.

Posted on December 12, 2015

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  1. Mel @ brokeGIRLrich

    Cool list! I can’t believe Bill Gates does Secret Santa!

    I also need to learn more about penny stocks – or maybe not, since I’d probably just wind up penniless, on the street.

    1. save. spend. splurge.

      I wouldn’t bother with penny stocks unless you’re willing to take risks and so on 🙂 It’s too volatile for me.

  2. Teffany @ Critical Financial

    Wow, Lyndsey Scott — supermodel who is also a programmer at night? She must be very good at programming! I have some of a girl friends that are programmer too.

    1. save. spend. splurge.

      At least she finds it fun enough to be a side hobby. THAT is cool.

  3. Tania

    TY for sharing AfterDYK! Love her style and that’s kind of where I’m headed in terms of my minimalist style. Lots of black, white with simple but interesting shapes. I’m totally jealous of her Balenciaga booties though!

    Too bad the Quartermaster is so freaking pricey as it’s a gorgeous trolley (love the stripe detail). I also like the idea of the clutch with a place to pack it (I’m always laying my extra purse in an awkward manner in my carryon but am finding this becomes less of an issue as I get more and more minimal in my packing. While the perfect set of pouches appeals to the anal retentive organizer in me, I do try to now avoid one use items and that includes pouches. I no longer have “travel” pouches. While I definitely do a pouch system of packing, I use pouches that are already in my regular rotation for non travel use too. The exception is my coach jewelry pouch because I’ve had it for years and it nicely separates everything so the pieces don’t scratch each other. I also did buy one of those flat packing compression pieces to nicely contain all my clothes.

    Great condo share! I appreciate the modern style in Toronto. It’s very difficult to find good modern design in Hawaii (thank goodness DWR ships to Hawaii). I thought I spotted a closet to the left of the bed in the shot that highlights the desk area. I’m the same! Whenever I see a small space feature I’m always disappointed when they don’t share the storage because that is so important in terms of the use of the space too. My favorite tours are always the ones that highlight all the clever storage too.

    1. save. spend. splurge.

      AfterDRK is a little too minimalist / drab for me.. plus we have 4 seasons here so I can’t really wear what she has through the 4 seasons without having at least 2 coats, 3 types of boots.. especially since I hate getting my feet cold, wet, or cold AND wet.

      Well there is no denying the Quartermaster is gorgeous but for $1000? I fell over. I use a pouch system as well but I’d rather determine the size of the pouches myself rather than being dictated how much can be put into each pouch (or what, for that matter).

      Modern design and clever storage always gets me in the end. I am hoping that place had an awesome hidden closet somewhere, although I am CERTAIN it would not be enough for my current set of clothes 😉

  4. The Asian Pear

    Maybe it’s the foodie in me… But where’s the kitchen in that St Lawrence Market loft?!?!

    1. save. spend. splurge.

      It’s there, click on the link 🙂 It’s behind the couch…

  5. Tracy

    I enjoy reading your links! I feel really bad for that writer/TV producer who is now living in poverty .. obviously I don’t know his whole story, but it’s hard to believe his entire family turned their backs on him. He must’ve really messed up with them.

    I was also thinking how you had said you eventually wanted a Chanel purse (in one of your previous posts) … since Chanel is easier to buy pre-owned (cheaper and easier to find) it wouldn’t count towards your no-new-clothing challenge!!

  6. iou

    That Celine bag pictured above from afterDRK…. *drools*

    However, that Philip Lim neoprene sweatshirt in the top 10 shopping moments is truly hideous. Wouldn’t really say it’s a “wardrobe staple”.

    Thanks for sharing, I’m going to go read the My So-Called Privileged, Upper-Middle Class Life article. Sounds like a good one.

    1. save. spend. splurge.

      Doesn’t that Celine bag kind of look like a monkey? Scroll to the end of my post here.

      I agree with that Philip Lim sweatshirt as ugly.. but the shoes are worse.

      Thanks for droppin’ by!

      1. iou

        @save. spend. splurge.:

        It does look like a monkey’s face, someone had pointed that out to me before and now I can’t un-see faces in handbags haha

  7. eemusings

    Yeah, when I first read about Lyndsey I was so pumped! Best story ever.

    That international problem thing is HILARIOUS but my flag knowledge is terrible and I’m too lazy to look up the ones I couldn’t guess/didn’t know already.

    I hate all current shoe fashions. Right now chunky platforms that look hideous and tacky and cheap are all the rage (think 90s spice girls but EVEN UGLIER) and it hurts my eyes to see them on people.

    1. save. spend. splurge.

      @eemusings: Wasn’t that awesome? It kind of made my day.

      The only one that really made me laugh was France because it is so true it isn’t funny.

      …and why do people think making your feet look like potted plants is attractive? NO ONE finds that attractive, not even women.


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