In Budget Roundups, Money

March 2020: Expenses Budget Roundup

THE EXPENSES = $2191.71

Kept under my $3000 budget this month

I guess I am making up for my insane January 2020 and February 2020 spend months which hit almost $6000 each time *urkk*… so I am trying to keep it chill for the rest of the year, particularly since I’ve been fired from the contract as they cancelled the project.

My Side income covered my expenses and saved $1204.11 from it

You can see that I had $3372.66 “leftover” from my side income, and if I remove Dividends and Lending (I reinvest it all), I saved $1204.11 from just my side income earned. That’s not bad at all!

In Summary: I went over budget by $10.54

In Detail:

Home includes condo fees, insurance and utilities

So this month I paid $366.45 but that’s because I pay municipal taxes during a month, and on average, it evens out to about $662.67 a month for errrything that runs an actual home.

Groceries / Eating Out

*sob* This was just in the first half of the month that I ate out.. 🙁 Now I am confined and saving a fkton of money.

Household / Child

We paid for daycare for the month of March but then pulled him early because of the virus, so that is a lost amount. 🙁 Maybe we will get some money back from the government but I doubt it.


Not going back until this virus thing is all over. My Starbucks $24 balance will stay as-is, and not going to professionals either for dentistry, etc.


We picked up some more printer paper and supplies for the office because.. WE ARE CONFINED.


Cut. Bare bones here, we’re talking just cleanser, no fancy serums. No more shopping, even secondhand. I did buy a few items but I returned some, and kept the others. My last pieces for 2020.


I transferred money and they charged me $1 to do it because I refuse to go into a bank or leave the home, so … fees.

My Top & Bottom 5 Expenses


Groceries = $965.94

My partner says just our bottled milk consumption alone is $200/month. O_o…. So this amount is not going down if we are staying fancy.

Home = $366.56

Municipal taxes coming up in May, as they have been delayed a month to give everyone a break from the virus.

Child = $327.54

Daycare costs, then he got lots of apps at the start of the month but then I told him Mommy lost her job, so no more apps until Mommy makes money. Obviously I have enough to buy him apps but he has so many, plus videos, plus lots of books. He doesn’t NEED it.

At least for April this will go down to $0 because daycare is out, and I won’t buy more apps or books.

Transportation = $109.23

I fixed a fender on my car, and decided not to file it through insurance. The payout is $0, so it won’t affect my premiums and I paid this out of pocket. Now I have a massive scratched dent on my car. *sigh*

Eating Out = $100.18

This one is easy, I will be at $0 next month and until end of the year I suspect.


Fees = $1

Paid an interac fee to transfer my money …. to myself. I’d do it in cash and for free but I won’t go into a bank now.

Wardrobe = $1.21

I bought something on eBay, it never showed up, I got refunded but with currency fees/exchanges, I got dinged $1.21 for the conversion from USD > CAD.

I paid about $216 CAD originally, and got it all back so that helped my finances. For the record, it was this secondhand beautiful top by The London:

Entertainment = $12.64

I paid for Amazon Prime for a trial period in this, because I want to watch different videos. I also bought a few books. I won’t be buying any more things next month.

Toiletries = $57.49

I bought some more body cream because I was running out of Savasana lotion by Audre Leigh. I won’t really compromise on this, I haven’t found a better vegan, locally made cream that really helps my eczema, feels great and smells incredible. Plus you can return the bottles.

Office = $70.41

Boring. Printer paper, pencils, crayons.


2020 so far, is going well. See how big January was? The rest of the months I am hoping will be dark blue and stay like this:

This is my spending year-to-date for now because you can see how far I have left in my budget to spend (light blue sections) and all of the categories I care about spending on:

And over the years, you can see how I have done.

I am hoping for 2009-2010 for spending inspiration, back when I was in the middle of a recession and unable to find work for 2 years:




If you’re interested, I use the following:

  • Rakuten – Use my referral link – – for $5
  • Swagbucks: Use my referral link to get 300 Swagbucks but only once you earn another 300 Swagbucks doing surveys etc within the first month. You need only 750 swagbucks to redeem it for $10 from Paypal. I made about $60 a month on average clicking on surveys while on conference calls, etc.
  • Rogers World Elite Mastercard – No annual fee, 1.5% cash back, but you can only redeem it yearly and you have to call each year to ask them to redeem the credit against your next year’s statement. I use it for all my purchases as I buy a lot in USD$, and those purchases are 3% cash back (almost like a no forex fee in essence)
  • Tangerine Mastercard – No annual fee, 2% back on certain categories (up to 3). For their savings accounts, use my Orange key { 32726976S1 } for free money ($50 once you deposit $100; and I get $50 too). I give this card to my partner (he has a joint card) and he uses it constantly

Where my Fun Money Went

No more fun money. I lost my job, I am cutting the fat.

Monthly Expenses

Favourite: $12.64

Alison Freer’s Accessories Book. I wish they had more colour and pictures, illustrations, and not be so plain but it is a book SO FULL OF GREAT INFORMATION.

Unexpected: $1.21

I did not expect to get screwed with my eBay refund in currency conversion discrepancies. *sigh* I didn’t even get the top. I’d have kept it!!! I’m a little cheesed.

Hated: $109.23

I made the claim on my car insurance to $0 (I refused their cheque/mailed it back), and paid for the fender fix out of my own pocket instead. Now my car, my beautiful car is smashed in the side.

Joyful: $1

My uncle sent money to Little Bun for his education fund. I had to pay $1 to transfer the money out from where he sent it, to another bank.

Expensive: $315

Little Bun daycare. Honestly, we should have just cancelled in February when we knew the virus was getting bad. I was being selfish because I wanted time to myself to be alone at home without him, and … that’s what my selfishness costs.

Cheapest: $3.07

I bought the Grade 4 level for RosiMosi because Little Bun INSISTED on having it. It’s too advanced for him but I am surprised, he is able to understand the concept of multiplying fractions now. O_o

Stay tuned for next week’s net worth post!

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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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