In Link Love

In the world of Save. Spend. Splurge.: Where you don’t need to use shampoo ever again.

I’m really intrigued by zero shampoo and have been for a long, long time (for any dedicated old school reader can attest to).

I tried using only water, I tried baking soda, I tried apple cider vinegar and I always, ALWAYS went back to some sort of cleansing surfactant-containing shampoo.

So when I read this article about using just oils and aloe vera to effectively cleanse your hair and scalp, without conditioner, without shampoos, I feel like I am sold. Once I go through all my John Masters organics shampoos, I am trying out this New Wash by Hairstory (I need to use up my supply first… I paid almost $20 a bottle!)

This gorgeous grey vegan leather and wool bag looks extremely chic for under $100. I’m sorely tempted if I didn’t already own a great vegan wool bag… Look at all of those compartments!!!

In case you EVER fall through the frozen ice, this is what you should do to save your life.

I sort of.. totally.. want this Bamboo Panda Coin bank for Little Bun. The panda grabs the coin.. how cute is that!?

I loved this post by Bridget about how the price of something is the same but the cost is not. She hit it right on the head. It’s how I feel when I go out to lunch with colleagues and I spend $20 and don’t think twice about it, and then someone mumbles that they didn’t expect to spend that much money and look a bit worried… Then I’m suddenly self-conscious.

These 3m Gold Filters are amazing for laptop privacy working in cafes and at work…. I love these things. I have one for each laptop and use them constantly. People are all freaked out when they walk by and see it is gold and wonder what I’m looking at.

I think this is a lot of pressure to put on a 13-year old to be the main breadwinner and aware of it, no matter how talented she is.

So I know I have said that leggings are not pants, but I feel like these leather details make it a bit more acceptable.


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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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Posted on April 9, 2018

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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.

In English: If you click on a link, I could get a small commission, typically a few cents. And if you use a referral code, I could get anywhere from $10 – $70 for it. Thank you for your kind support!

Also, I am not a professional investment advisor or money manager by any means.

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.