In At Work, Budget Roundups, Capsule Wardrobe, Discussions, In my closet, Minimalism, Style, Style, Wardrobe Help, Women

July 2013 Budget Roundup = $211,705.16 or a decrease of -($5531.57) or -2.55%



You may have noticed just how awful my site became when I left on vacation.

Basically, my theme totally tanked about a week after I left for Europe by having major stylesheet issues, and then my hosting service (Bluehost) was not doing me any favours either by going down and basically being #*$&@*(#%&.

By the time I got to the end of August I couldn’t take it any longer.

I switched hosts (am with MDD Hosting now), and bought a theme for the site which I am trying my darndest to keep as standard as possible.

I am so sorry for all of the mess you had to experience while I was gone, but I guess I am being punished for it accordingly as you are not coming back to the blog.


Sorry 🙁


I was in Europe, so I was pretty much spending my time .. spending money, looking at quirky cute things like this:


INCOME = $704.37

Made my casual goal of earning $500 a month! Woo hoo!

Not to mention that I was pretty much away the whole month, so this made it even sweeter that my background efforts helped me along.

EXPENSES = $706.71

Some of these expenses were incurred in Europe, but they were my personal spending (e.g. Wardrobe), and does not include the stuff we shared like Food and Transportation.

Save-Spend-Splurge-July-2013-Expenses Save-Spend-Splurge-July-2013-Expenses-Pie-Chart



SAVED: On Rent!

Okay so this was really just a nice gesture because we weren’t there for more than 2 days of the month, so there was no rent.

SPENT: On Travel Insurance

Need it, right? Still it was pretty expensive for 2 months, when I am not used to paying for health insurance at all.

SPLURGED: On Scarves

When in Paris, do as Parisians do.. right? 🙂

NET WORTH = $211,705.16 a decrease of $5531.57 or -2.55%






One. Femme Frugality posted about how Goodwill is not as good as we think it is.

Two. Two Ringgit’s Worth asked what financial freedom means to you.

Three. Belle lays down the law of what you should wear when you travel and why.

Four. Jane Savers talks about Nickel and Dime Millionaires, which is the kind of millionaire you do not want to become.

Five. Geri of Because I am addicted posted some beautiful ballet photography.


2 ringgit’s worth featured me in her spending recap when I talked about filial piety.

greenMinimalism talks about the post I wrote on Nicolas, the Homeless Billionaire.

The Frugal Farmer featured me in her good reads for the week when I talked about  The Guiding Principles of a Minimalist Wardrobe.

The Great Jollyhoombahs (what a fab name!) very kindly featured my entire blog, and said some very nice things about me.

Inspired by my post on how Personal Finance Bloggers are not the norm, Dear Debt did her own take on it!

Minimalist Packing: 2 months, 2 carryons was also featured by The Simple Year, who posted what she packs.



I have big things coming up for this year, and I am excited to meet it all head on!

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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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Previous PostShould we all just live like we're poor?
Next PostJuly 2013: What I bought, watched and read


  1. Kandice @The Simple Year

    Thanks for the link up! I’m still reading. 🙂 Hope you had an amazing trip.

  2. Lisa E. @ Lisa Vs. The Loans

    I’m still reading 🙂 I haven’t been to Paris in so long! You have just reminded me to schedule another visit 🙂

    1. saverspender @ save. spend. splurge.

      Personally, Paris for me, is not worth the trip any longer but .. 🙂

  3. Budget and the Beach

    ah paris! It’s still one of the best cities I’ve ever been in. I could just walk for hours and eat delicious fresh food from local bakeries…

    1. saverspender @ save. spend. splurge.

      Not any longer, but yes.. 🙂 It used to be good.

  4. Pauline

    Are you still in Paris? I took a flight on a whim and am there for the week :). Then trying to learn from you and schedule 2 months of posts in advance as we ride my bike to Morocco. My credit card has travel insurance for up to 90 days if you buy your flight with it. I didn’t know until I checked, it is worth looking into yours.

    1. saverspender @ save. spend. splurge.

      GAH! No I just came back — end of August. 🙂

      I was there for a week.. BOO. We could have met and you could have shown me where to get a decent croissant aside from having to travel to La Rive Gauche.

      I did look into travel insurance from my credit card but I didn’t like its terms, so I bought my own.. I’m a bit of a Paranoid Polly.

  5. femmefrugality

    I’m here, too, and will continue to be! 🙂 Love the topics you take on. There were a LOT of people having trouble with hosting. On the positive side…sounds like Europe was amazing! Thanks so much for including my article!

    1. saverspender @ save. spend. splurge.

      Thank you kindly. I am hoping I will no longer have problems with hosting, it has been a headache.

  6. Michelle

    I’m here!! Glad that everything has been fixed. I really like this theme a lot.

    1. saverspender @ save. spend. splurge.

      I do too! I had to fork over $69 for it and spend 3 days full-time tweaking it, but it was worth it.

  7. Tammy R

    So glad you were able to take care of your host. Damn them!!! But, we are still here, Mochimac. We need your wit and kick-ass ways in our lives.

    I like how you listed your favorite blog posts. I had forgotten about the people who whine but are too lazy to do anything about it. I actually forgot I read (and commented) on it, and I SOOOO need it again for a couple of things that are going on as of late. So, thank you for that (again!).

    Oh, and while I spend little to nothing on clothes, I like living vicariously through you, so don those scarves with an attitude!

    1. saverspender @ save. spend. splurge.

      Thank you kindly.

      Sometimes I think I post too much and my posts get lost in the shuffle but I’ve scaled back recently 😀

  8. cj

    Tammy and I still love you and your blog, Mo!!! Hang in there and hope all is back to normal soon!!! Glad you are back and had a FUN trip!

  9. AdinaJ

    I noticed the website problems and was pretty bummed out to miss out on my morning Mochimac posts. Glad to hear everything’s been resolved! And welcome back from vacay!

    1. saverspender @ save. spend. splurge.

      WOO HOO!

      Yeah. Can you imagine dealing with that crap WHILE on vacation? Not ideal.

  10. Jane Savers @ Solving The Money Puzzle

    I have never heard of rent being waived just because you aren’t there. Your stuff was there. Sounds like the best landlord ever.

    I had to change hosts too. An extra expense I had to dip in to the emergency fund to pay for.

    Thank you for mentioning my post. Very hard to write and stay focused in the summer when readership is down.

    1. saverspender @ save. spend. splurge.

      My landlords are my parents 🙂

      Where did you end up going?

      1. Jane Savers @ Solving The Money Puzzle

        I moved to Green Geeks. It seems fine but I get so much spam now. My old host gave 48 hours notice that they were shutting down and I didn’t have much time to think about it.

        1. saverspender @ save. spend. splurge.

          Oh I see. If Green Geeks doesn’t work out, I really like MDD Hosting so far. They also have a refund policy if you want to cancel if you’re not happy.

          1. Jane Savers @ Solving The Money Puzzle

            My host that closed suddenly said they would offer refunds but I don’t think that will happen.

            At least I have a receipt for my tax accountant. I wonder if Revenue Canada will accept my blog as a new business when I don’t even have a penny of revenue?

          2. saverspender @ save. spend. splurge.

            Yes, they would because you can claim to be a sole proprietorship under your own name (no registration required). You need to make money though even a few pennies in Google Adsense, can count as income against your (marketing) expenses.

          3. Jane Savers @ Solving The Money Puzzle

            AdSense hates me. I have been permanently banned. I will have no blog income for 2012. I have a lot of blog expenses this year so it is a real shame that I can’t deduct any of them.

            I will work hard in the fall to get one tiny ad for anything that is not too offensive on my site.

          4. Jane Savers @ Solving The Money Puzzle

            @Jane Savers @ Solving The Money Puzzle: I just completed my 15th or 20th appeal to Google AdSense. I was denied within moments. No one reads the appeals. Once you are denied by AdSense you can never get back with them.

          5. saverspender @ save. spend. splurge.

            You could even do sponsored posts, which would be considered income.

    2. Sandra

      @Jane Savers @ Solving The Money Puzzle: Hi Jane, I see further down the thread you mention that you’d like to put some ads on your blog, but aren’t having any luck with google adsense. I’m going to be real cheeky here and suggest the guys that I use; Project Wonderful. (I don’t get loads of visitors, so I’m not making much money with them, but it’s kind of gratifying anyways…) It’s pretty easy to use, and you can restrict the type of ads they put on your site. I’m a web developer, so drop me a line if you have any questions or need a hand to set it up.


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