In Budget Roundups

July 2012 Budget Roundup = +$7409.54 or an increase of +3.62%

LOOKING BACK

I did buy 2 white blazers (am thinking of returning one, but am waiting for the other to arrive in the mail before I decide which one… if at all), 1 navy blazer (classic!), a skirt on SALE I’ve been coveting for ages, and a dress which I am not sure I am keeping yet.

Will keep you posted.

Update: This is what happened. I returned the dress, didn’t receive one blazer because they were out of stock and I am about $300 richer. ๐Ÿ™‚ You can read about What I bought July 2012 here.

INCOME = $10,894.88

  • Gross, not net!
  • I also earned some cash back on my credit card which I used towards purchases

EXPENSES = $5518.22 + $2000 in taxesย 

Okay, so it says: $11,768.22 in the chart but that includes my retirement savings, which aren’t really my base expenses.

With my taxes of around $2000, I spent about $5500 on stuff.

Food stuff. Medical stuff. Tailoring stuff. Face stuff.

NET WORTH = $211,978.98, +$7409.54 or an increase of +3.62%

Stock market went up quite nicely this month.


I put more of my savings into investments.

TOP 5 CATEGORIES OF SPENDING

YEARLY SNAPSHOT OF NET WORTH

LOOKING FORWARD

Visualizing How a Population Reaches 7 Billion from NPR on Vimeo.

This video made me think about how populated the world is becoming, and about sustainability in general. Polar bears, tigers, and other common animals that we’re used to seeing in books and on TV are now considered endangered.

A day WILL come where we will have to explain to our children or our grandchildren about how there used to be an animal with stripes called a tiger, and there was a bear all in white that lived in snow.

What will we do then?

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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 TheBudgetingTool.com. 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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7 Comments

  1. Deanna Sedivy

    I’m taking the plunge and purchasing your budget tool! Wish me luck!
    We sold our home (broke even) and are going to rent for 2 yrs while we kill our consumer debt and save to build a home!!!

    Reply
    1. Mochi & Macarons

      Good luck and thank you!! Let me know if I can help.

      Reply
  2. Brittany Hassell

    Oh, my gosh! That first picture completely sums up today for me. I have been planning on getting this one certain shirt and it fiiinally went on sale and I went to buy it and then was like, “But that means I have to spend the money!!!” But it is a shirt that will replace several other not-as-good shirts in my closet, so I’d rather have one Really Good shirt instead of several crappy ones.

    Reply
    1. Mochi & Macarons

      I have to struggle too. The struggle goes both ways–either I can’t spend the money because I don’t have a real justification or I spend it but sort of really like the item but can’t really keep a Like item rather than a Love. :/

      Reply
  3. B. (Below Her Means)

    Overpopulation definitely freaks me out. Nice job this month!

    Reply
  4. The Asian Pear @ Blogspot

    LOL. I love how your “Treats” is macarons. LOL

    Reply
    1. Mochi & Macarons

      Well they are ๐Ÿ™‚

      Reply

Leave a Reply

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

FAVOURITE DAY: payday

HATES: being late & lazy people

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DRINKS: homemade matcha lattes

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

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BEAUTY: swears by Paula’s Choice

——

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