In Budget Roundups, Money

January 2018 Budget Roundup: The Income & Expenses

This month, I sort of killed it both working-wise and blog-wise. Honestly.

I’m sort of amazed.

INCOME = $25,179.27

I almost cracked $2000 CAD in blog earnings this month!

BLOG EARNINGS = $1908.33

Advertising: $1043.72

Affiliate: $803.04

Products: $62.08

Save. Spend. Splurge. Products sold, include:

WORK EARNINGS = $23,270.94

Working 40 hours a week, no overtime.


I can’t change my work earnings. They’re set.

I earn what I earn, but the gravy train will run out soon so I am going to have to start conserving what is coming in, so I have enough gravy to cover the next half of the year and next year as well in case I am on the bench for longer.

For my blog, I’d like to crack that $2000 ceiling.

How cool would that be?

(This is how we do.)

EXPENSES = $3196.02


My monthly limit for myself is $3750. I can do this. I CAN.

I am limiting myself to $3500 (love rounder numbers), and I love that I CAN KILL IT.

This is obviously doable. I just need to work on NOT shopping, and in lieu of that this is my plan:

  • Yoga-ing
  • SELLING stuff to make money instead — taking pictures, keeping busy, etc
  • Consciously avoiding shopping temptations — going to put my head down and work rather than go “browse” sales and so on; I have started unsubscribing en masse to shopping emails
  • Conserving my actual blog income rather than spending it on shopping in the U.S. (bad Sherry!)

As you can see, my main areas are Home, Groceries, Household stuff, Children and Clothing 😛

For real numbers, my top 5 spending areas are:

The food for Groceries is because I am trying to limit my eating out.

I’ve decided to allow these expenses:

  • Starbucks on Sundays with Little Bun — this is our Mommy and Baby activity together and I think it really lets me enjoy the day with him, hence why my Starbucks is set to Auto-Reload
  • SOME eating out — $100 max, but I am funnelling the money into buying groceries and making meals at the office instead
  • Yoga — I need this to stay fit, I just have to get people on board and to stop freakin’ booking me during my YOGA TIME



Folks, I did it.

I bought a car.

As a result, I am only going to post expenses for PERSONAL use, because I put the car under my company, and everything associated with it – fees, accessories, gas, parking – will now be off my personal budgeting / spending.

No more company-related car expenses in my budgets now.

What kind of car did I buy?

Let’s just say it cost me a pretty, pretty penny.

All said and done, I’m out over 6-figures for this car. *cough*

I’m in love with it though. Like total stars and hearts. I really freakin’ upgraded from what I used to drive.

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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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  1. Life we learn

    Congrats on the car, you totally deserve it!!

    1. Sherry of Save. Spend. Splurge.

      Here’s hoping 🙂

  2. raluca

    Congratz on the car!

  3. Jess

    Haha, like the other commenters, I’m interested in the car. Would love to hear more about how you bought it! Did you negotiate with the dealer?

    1. Sherry of Save. Spend. Splurge.

      I certainly tried LOL… I’d rather not say too much.

  4. Financial Orchid

    Woot super stoked to find out the car. U have to tell us after all this suspense!!!!

  5. Alexis

    Congrats on the car! What colour at least??

  6. Linda

    Haha! Good for you!
    Mommas gotta treat herself once in a while vroom vroom…plus you wouldn’t have to worry about repairs for a while!

    How did the dealership react to all cash for payment? I hope they threw in some extras!

    1. Sherry of Save. Spend. Splurge.

      Tell me about it. I am LOVING this car.

      They were a bit surprised seeing my age.. they must have assumed I had parents bankrolling me or something. Or a rich husband.

  7. K

    How are you going to hide your wealth when you drive your new car to work?

    1. Sherry of Save. Spend. Splurge.

      Therein lies the skill of undetection. Most people take the bus so I’m good. 🙂


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