In Budget Roundups, Money

March 2018 Budget Roundup: The Net Worth & Investments

Sherry’s March 2018 Net Worth

Or an increase of…
+$12,577.11 or +1.95%


Stock markets are down, my spending was up (omg), but my net worth still went up anyway thanks to my day job.

This is what it looks like:

  • Stock market still not doing well — If we head into a bear market, I read or heard somewhere that this is good news for me in MY retirement years because the market will have time to recover & be golden in my golden years
  • I’m stockpiling cash for the next year or so, getting ready to hibernate career-wise, so to speak. I need to ride out the next year or so if I am not going to (be able to) work.


Now for everyone’s favourite Little Bun:

Little Bun’s March 2018 Net Worth
Or an increase of…
+$430.07 or +1.79%


The increase is mostly from the money from the government because the stock market is down for EVERYONE, but at least it is holding steady — this is how I invest his money in the stock market.





My statements are all a month behind (am too lazy to go line by line and calculate it myself transactionally), so I will always be a month behind in this regard.


Last month, I earned a little over $200 in dividends. I am focusing a little more on this, this year, but only after I settle out what I will / won’t be earning in the next year or so.


I will drop about $30,000 into the stock market from my emergency fund, if I get extended until the end of this year.

Otherwise, it’s time to hoard my money like a deranged squirrel, and to live off it, slowly picking off dollar bills from a big roll here and there as the days tick on…. 😛

Then, I will also spend WAY more time thrifting, re-selling and dusting off that side business I had while I was off with Little Bun before.

I’ve gots.. planz.


I actually did calculate a more current look / view into how much I have earned since I started working professionally.

Some highlights from the post:

  • Total income thus far: $1,048,040.27 – OVER A MILLION!!
  • My average salary is: $86,643.54 – Surprising or what?!?
  • I have more than 7X my average salary saved – this number makes me <3

Read more about it here: How much money I’ve made since I have started working

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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. Naz

    Hi Sherry,
    Your posts are very interesting and thank you for sharing insightful tips.
    Its very impressive to see your progression over time and wanted to know if you could
    provide tips on how to become a freelancer. Im sure you started somewhere with nothing built up so how did you
    get where you are today. And what are the most lucrative consulting/freelancing opportunities to pursue ?

    1. Sherry of Save. Spend. Splurge.

      I will take this and marinate on it then come up with a post.

  2. ArianaAuburn

    Hoarding cash is good. Especially when it is winter. You never know when Baby Bun needs something due to an emergency.

    1. Sherry of Save. Spend. Splurge.

      Agreed. I am hoarding a chunk for the year and if I get extended I’ll plow it into investing, and re-hoard again.

  3. Isa

    You keep your car in your net worth? That’s a bit strange, how will you account for the devaluation that starts from day 1 with car?

    1. Sherry of Save. Spend. Splurge.

      I personally don’t. The same way I don’t bother with my house price having gone up. I just leave it as-is and have it split out so that I know what is there and what isn’t.

      Also, my company is the one that takes the depreciation on its books and the valuation — whatever is left over as “assets” goes on that business line.

      What you’re seeing as “business” are my assets and my car.

  4. GYM

    Good stuff!! Markets are down and I am hoarding cash as much as I can even being on EI income for parental leave 🙂

    1. Sherry of Save. Spend. Splurge.

      With markets down, I throw it into investing normally but I have to think about my income for the next while so that’s why I’m hoarding a cash reserve until around May when I should hear about my fate.

  5. Suba

    I had a moment today after getting dressed when I thought “What would Sherry wear to avoid showing skin at work” and promptly wore my camel Eileen Fisher poncho-ish top. LOVE IT!

    1. Sherry of Save. Spend. Splurge.

      LOL! I love a good poncho 🙂

  6. Financial Orchid

    How do you fluff your futon once a month during the Mtrl winters?

    1. Sherry of Save. Spend. Splurge.

      Just inside. We fluff it on the floor just shaking it like fluffing out a blanket and then we rotate it


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