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In the world of Save. Spend. Splurge.: Are you warm or cool toned?

How to tell if you are warm or cool toned. I am definitely cool-toned if we go by the colours that make me look incredible (jewel-toned purple, blues, etc), but then I am considered warm-toned because I tan very easily… and yet I look good in both silver and gold jewellery.

I have been reading The Hating Game and really enjoyed reading it. I suggest that the author write the exact same story but from the perspective of the guy.

8 Money Diarists talk about their most expensive purchases and if they were worth it. There’s a Givenchy Antigona bag in one of the stories if that interests you!

The best roasting dishes we have ever used are from Emile Henry, and for some reason red is the best colour.

Are you moving in together with someone? Read this first.

When I am indoors, I freeze like crazy. I had to Google it and this sort of explains why. I just know that I feel like I need a blanket or a Snuggie.

20 seconds is about the time you should be washing your face, or maybe longer. I can see that. I see where I don’t spend time on my face, I break out more.

Love the look of these knee-high grey suede boots… I am obsessed with grey suede boots for some reason. I own a pair of knee-high shearling ones but they aren’t classic boots to wear with things like dresses or skirts…

Am I crazy or does this girl look the same before and after her nose job? We REALLY are our own worst critics, because I see a very SLIGHT difference in her nose but to her it made the world of a difference. I guess I should be a little less harsh on myself…

If you aren’t into statement jewellery but do not want something too small and unnoticeable, this Kendra Scott necklace fits the bill..

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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 a nutshell…

Save. Spend. Splurge.
[ wealth. style. minimalism. ]


MOST DEBT: cleared $60K in 18 months

MONEY: Hit $1M personal net worth At 36

NEW GOAL: $1M in invested assets


HATES: being late & lazy people

SOCIAL: Instagram @saverspender

DRINKS: homemade matcha lattes

SLEEPS: on a 100% cotton U.S.-made futon

WRITES: Books (also available on Amazon).

BEAUTY: swears by Paula’s Choice


…but you can read more about me , browse my index of posts, or get in touch with me, talk to me directly on Instagram, and of course, ask me anything here.

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Save. Spend. Splurge. uses affiliate links from Shopstyle, and Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to or ShopStyle. In addition to these, any referrals on the page will result in revenue if used such as BlueHost.

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I am just a woman who loves money, talking about money, and making money.

All opinions expressed on this blog are personal and for entertainment value. Take them with a grain of salt and always consult a professional when in doubt.