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In the world of Save. Spend. Splurge.



This girl HUSTLED and made $500,000 in scholarships before she went to college which more than paid for it, and then some (she’s taking a Masters and a PhD). She started at 13…

…and what the heck have I been doing with my life!?

Oh wait I know, being part of the PF blogosphere makes everything so skewed it makes you all crazy, as Jordann of My Alternate Life points out in this post about student debt: Am I average?.

(Thanks to reader Lila for the original link located here!)


I am reading about Martha Stewart’s $2000 beauty routine and hearing her voice as I am doing it.



Umm.. why don’t we have this wonderful Finnish Baby All-in-One Box concept in Canada too?

Speaking of babies, in Canada it costs about $20,000 to have IVF (in vitro fertilization) but if you want to go the surrogacy route, it could go up to $150,000 and is borderline illegal if you pay someone to carry your baby as a surrogate.

Hat tip to Morgaine for passing that cute baby box link along!


For the love of money. This guy got the point where he didn’t think $3.6 million dollars in a bonus was enough money, although this might just be a really American thing as well.

An excellent read.

As much as I love money, talking about it and spending it (obviously!) it truly isn’t everything. It can even make you suicidal.

Hat tip to eemusings for the first two links!


I’m always confused if I am considered a Millennial or not. According to Holy Potato, I am an Echo Boomer.


A label although I will very kindly leave “spoiled beyond belief” and “unique-and-as-beautiful-as-a- snowflake” out of this description of myself.


Are dream jobs really overrated?

Personally I think what’s wrong with this “dream job” title is that people have very unrealistic expectations of what it entails. not the fact that people want a dream job and are always searching for it — that is something that I believe in because if you’re spending 40+ hours a week some place, you better damn well enjoy it.

There’s work involved, even if it looks sexy, easy, glamorous or fun.

Behind it, is 10-20 years of hard, back breaking work, tears and sweat to get to the point of it being a “dream job”.

I speak from experience, currently working MY dream job which frankly, pays well when I do work.

It also gives me a lot of free time which is the reason why it’s my dream job; I am less concerned about working to the bone and then dying filthy rich on a pile of gold coins than I am of missing out on life itself.

Did I ever imagine this would be my ‘dream job’ when I was younger or even in school? Not at all.

Did I think a ‘dream job’ would be shopping all day, doing nothing and basically lazing around? YES.

But that was unrealistic, and so are our expectations of what a dream job is.

What people need to do is wake up and smell the roses, and then find their dream job within what is possible out there.

A job is still a job.

That said, why not choose something from the list of the 100 Best Jobs in the U.S..

(Just don’t offer me work and expect me to work for free or for a low salary.)

(Hat tip to Fig for the 100 best jobs link)


This is one of the simplest posts on why success is not found in having debt, no savings, but lots of fancy homes, cars or toys.

Just check out the final result!

A great teaching resource / tool for younger kids especially.


…with that said, coming as no surprise to ANYONE (least of all myself), Retail Therapy actually exists.



I’ve accepted long ago that the cost of being female is a necessity for me. It’s also just a lot of fun.

I even wrote a post about this entitled: The Price of Beauty and Why We Buy

Nancy Etcoff, the study’s lead author and associate researcher at Massachusetts General Hospital told ABC news that […..]

‘The women were judged as more competent, likeable, attractive and trustworthy.’

[…..] but trustworthiness – or honesty – soon suffered as cosmetic looks became heavier.

‘When they got to the more dramatic make-up looks, people saw them as equally likeable and much more attractive and competent, but less trustworthy,’ comments Etcoff to the news site.

Source: Daily Mail – Wear Makeup and Look more Competent


Okay this is officially the coolest thing I’ve seen in math in a long time.

It’s how Japanese kids learn how to multiply, using a diamond grid of sorts.

It’s easy, and kind of fun… you’ll be multiplying like a mofo all day, I swear. I’ve been taking old receipts and testing it out with all kinds of numbers:

The concept is simple, because it’s like splitting out the sections into 10s, 100s, 1000s and so on, and counting the intersections in between.

The zero works in between when you multiply, but you should be aware that if there’s a 0 at the end, you have to add it to the end of the numbers.


4 hours and 33 minutes distilled down into a 3 minute video of AWESOMENESS. It looks so real….!



OMG. Toilet paper rolls turned into art. I so.. soo want to try my hand at this.


Are you a good liar?

Find out in this 5 second test:

(For the record, I am not a good liar. This has been apparent for a while now.)


How much does your spare bedroom cost? Methinks Nelson is turning minimalist.

No need to convince me! I’m not having any spare bedrooms if I can help it.


This is what I can look forward to as a new parent. Goodie.

Here are my 3 favourites:





Just as I thought. Sky-high hooker heels are not that chic.

*looks approvingly at her mid-heel Blahniks*

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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.

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  1. La Tejana @ Debt Free Tejana

    Thank you for the shout out! I absolutely love your baby memes. Those pesky dogs often get in the way of the best chair pushing. You think you could train them for that or something…

  2. SarahN

    As always, so many fantastic links. I knew about the baby boxes – so awesome, and the Japanese maths too. I loved the Indian’s story about healing in Italy – I also truly believe that the US is so sick, and that Europe has life so much more sorted (and safely regulated). I can only hope that the US can heal, and maybe that’ll come when it reaches rock bottom, but when you look to China, the growing power, you can only see things as even worse.

    I’m also not surprised to see wealth as an addiction, something I think you and I are safely free of – you by not working for a year and being OK with it, and me not chasing the next pay raise, and trying to save more and more for the future, for myself, but for others too. I like the Havard Debt guy touched on the same ideas about no ‘wealth anonymous’ groups.

    I’m definitely an Echo boomer, and no regard for the matrix of leadership. Everyone wipes their own bum (that works… retirees, not so much :p). Keeps me seeing them as humble, bumbling leaders, fallable!

    Also a bad liar (phew). A never a fan of platforms or super high heels. I’m tall and I don’t like ‘towering over people’ Also agree it costs more to be a woman, when it comes to appearance, but as an Engineer I steer clear of make up, as I’m trying to ‘infiltrate’ as a man… or something! Thankfully, I think I’m seen as somewhat ‘naturally’ good looking which maybe assists? Who cares actually, if I think I look ok, and I don’t feel like I’m getting knocked back, that’s all the really matters, rather than anything else!

    1. save. spend. splurge.

      @SarahN: @SarahN: After reading that book – were you born on the wrong continent, it has really made me more aware of how different the U.S. and Europe are in terms of a working culture.

      I am not too worried about not working because I have no choice, but also because I have money saved and universal healthcare 🙂

      I am not tall and would love to be taller but I would rather be comfortable, not tall 🙂 I don’t feel the need to look 6′, but I do like the look and height of heels especially at work. I don’t avoid makeup for work either, as I feel I need a LITTLE bit of something (eyeliner, concealer).

  3. The Asian Pear

    If only I knew about how to do math like that as a kid, it’d have made math class SO much easier. O_O;;

  4. Kandice @The Simple Year

    I love that blog about the babies crying at anything. I’d seen it before and laughed so hard tears were streaming down my face. Off to watch the link about scholarships in the interest of my two tweens. 🙂

    1. save. spend. splurge.

      @Kandice @The Simple Year:

      The baby blog made me lose it, it was so funny. 🙂

      I hope the video on scholarships helps. I had no idea they had so much money to give…!

  5. Anne @ Unique Gifter

    I love that baby box thing… it’s had a lot of longevity on the internet, too. I think I see it linked at least once a month and have for about a year!

  6. Morgaine

    Thanks for the shout-out! I totally wish they had the box here!

  7. MelD

    All good…;)

    But the baby box – brilliant. I still don’t think you need much more than that, anyway (if at all)! Babies are such an industry.
    We had a “bounty” box here in Switzerland but I rarely used any of the contents; it was more of an advertising thing full of samples. Clutter, mostly. I think there will have been a bottle (glass 30 yrs ago, plastic later) and at least one plastic spoon that I did use, I suppose.
    Nothing like this great Finnish system.

    Poor families used to use a spare drawer for babies to sleep in if they didn’t have a cradle/basket/bed available and other beds were multiply occupied…

    1. save. spend. splurge.

      @MelD: I think if we had a baby box here, it would be filled with commercial crap as well. Stuff I don’t use or don’t want to use.

      What we really need is a basic box of what a baby truly needs in the first month at least!! I think all countries should adopt this brilliant baby box.

      I remember reading in books and seeing illustrations of old-time “cribs” where babies slept in drawers. We’ve come a long way.. now it’s all about a crib, without any bumper pads, decoration, no pillows but pillows and blankets always show up as decoration..

      It’s all so ridiculous.

  8. Nell @ The Million Dollar Diva

    I loved number 7. Kids are so open to learning about this stuff at that age. We just fail to teach them and then wonder why they get into so much trouble when they turn 18 and can access credit.

    1. save. spend. splurge.

      @Nell @ The Million Dollar Diva: Which is exactly why I plan on teaching my kids about money early on.

  9. Dear Debt

    I love seeing your world a little bit 🙂 It’s crazy how expensive having a surrogate it. Also, that baby box business is pretty neat!

    1. save. spend. splurge.

      @Dear Debt: I come across so many great links that I want to share them with everyone, not just Twitter followers.. who may or may not see my updates to begin with!


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