In Budget Roundups, Money

July 2018: Income & Expenses Budget Roundup

THE INCOME = $23,361.82

Day Job: $22,213.17

Day job .. is my day job. It’s what I earn each month, working 40 hours a week.

I don’t charge or work overtime if I can help it.

Blog: $1148.65

Advertising: $508.81

Affiliate: $517.80

Products: $122.04

Save. Spend. Splurge. Products sold, include:


I don’t really have any. I know it’s really trendy these days to talk about that, but… no. I don’t have any.

Honestly, my goal is just to keep working on a contract and keep making money.

I was thinking I would work more overtime and make more money, but WHO HAS TIME FOR THAT? I am already busy as-is, and I don’t need more stress.

The only income goals I could have, are blog-related. I guess I could hustle more, but I don’t want to be That Blogger.. you know, the kind that shoves everything in your face and makes you eat it for breakfast?

Not my style..

THE EXPENSES = $4,444.32

Spending I am good at, however 😉

So in partly place of stress shopping to stop bringing in more stuff into my house, I am stress EATING (and stress spa-ing.. if that is even a verb).

I am going out to eat, I am trying to calm myself down with great plates of food, and it is I think, marginally better than buying new stuff — at least it just disappears.

Here is how I broke down my spending this month — you can see I have done a lot of self-care on myself as well – laser hair removal has made a huge difference so far. I am not worrying about razors on my vacation any longer.

Just in case it wasn’t clear enough, this is how I prioritize my life:

Really though, after laser hair removal, the only thing I could do again is skin treatments – more laser intense pulsed light (IPL) treatments, or .. none at all.

I have noticed a big difference in my skin lately, and I wonder if it is because I am eating less meat in general, or maybe I am just taking much better care of my skin than before – daily, morning exfoliations for instance.

That does it.

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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. GYM

    Hey Sherry, for the grocery spending, the $1100 is that your portion or both you and your husband’s groceries?

    Congratulations on finishing laser hair removal!!!!!!!!!

      1. Kandice

        The food on your Insta is droolworthy, but you’ve more than earned it (literally and figuratively). I wouldn’t feel too bad about it. I’m an enabler, I know.


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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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