In Budget Roundups, Money

January 2018 Budget Roundup: The Net Worth & Investments

Net worth for 2018 has been surprising.

Or not?

Sherry’s January 2018 Net Worth


Or an increase of…

+$25,691.13 or +4.07%



I can’t take all the credit for this, I did work on keeping my expenses downย this month, but I also worked on making more money as much as I could, such as working on selling things (not buying them), and then blogging like a mofo.

For the past year, my net worth has been dipping up and down.

Let’s make it just rocket.. I am PUMPED to kick ass and hit a higher net worth than I anticipated.

This is all stock market timing + earning money + NOT SPENDING THE MONEY EARNED ๐Ÿ˜›

Little Bun’s January 2018 Net Worth


Or a decrease of…

-$446.02ย orย -1.97%

I killed it, but Little Bun didn’t ๐Ÿ™ This month was not great for him in terms of investments but hey, fluctuations are part of life.

I will monitor it though and I really want to kill it for him by the time it is time for him to use it for schooling.

For the past year, Little Bun’s net worth has climbed pretty steadily, can’t expect it to be perfect forever, right?


I don’t get my statements until mid next month, so my dividends will be always a month behind unfortunately…

As for investments in general, haven’t bought any yet.

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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 March 15, 2013

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  1. GYM

    Great job! Baby Bun is doing great. Did you start off with $2500 annually or have a bigger lump sum initially? What kind of car did you end up getting?

    1. Sherry of Save. Spend. Splurge.

      $2500 annually, I don’t change. ๐Ÿ™‚ I’ll email you.

  2. David

    Confused. Your “Chequing Account” balance states that it is both personal and business, but you didn’t adjust your expense for the $100K company car you just purchased either as a cash debit, liability, or depreciation from your net worth. Are we to assume that this January roundup is some sort of “EBITDA” accounting? Will February show this adjustment, or what am I missing?

    1. Sherry of Save. Spend. Splurge.

      Yes the Chequing is both personal and business, and I did not adjust my expense because it’s now an asset under my company books but I am leaving it under “Chequing” in terms of accounting.

      I guess I could separate it out for February to show “business assets” separately which would include the car, but for now, I just throw all of my business chequing + assets under one line — Chequing which includes personal.

    2. Sherry of Save. Spend. Splurge.

      And yes the business asset section would all be EBITDA… as I have not realized the income and plan on investing the money under the company as my retirement plan.

      Good points — I will address them in the Feb roundup. Thanks!

      1. David

        Here in the United States, it would be very difficult — in general — to classify a luxury car like this as a business asset and allow a small business owner like yourself take advantage of the “full” accounting for it (unless it was specifically used for a high-end livery driving business). Our taxman, the IRS, would most certainly see what you are doing here as a HUGE red flag — assuming you are saying that this is a 100% business asset.
        I say “100%” because a vehicle being used for a business would have to be clearly shown as being used FOR the business. Meaning, if we muddle its use for personal and business then we would have to keep very detailed logs for time and mileage on personal vs business usage. So if we do split usage for both then we can’t depreciate the full value of it — we would have to determine the ratio of personal vs business and that is our depreciating amount. For vehicles that we are claiming as 100% business capital, we are encouraged to outfit with signage and such to show that it truly is a business vehicle.
        Apologies for the lengthy write-up, but I’m curious how Canadian tax laws are different from what I stated here. I can elaborate more on this as there is more to it, but in my line of work (self-employed IT consultant) I could not purchase a car and bucket it under a business expense even though I take it to-and-from a client office or airport AND use it to go grocery shopping, take kids to school, etc.

        1. Sherry of Save. Spend. Splurge.

          It’s the same here. I have to keep logs of business versus personal, and then claim it as a taxable employee benefit to myself ๐Ÿ™‚


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