In Budget Roundups

May 2012 Budget Roundup = – ($6903.76) or a -3.48% decrease


My spending has been pretty darn good! I lost all kinds of energy to shop for clothes and even when I go into a shop I think — Why am I touching this? Do I even want this? For that price!? — and this lack of energy has saved my wallet from coming home with boo-boos and running to the corner to cry.

Track your own expenses using my budgeting tool 

INCOME = $10,943

EXPENSES = $5117.14


  • Spending was not ideal this month, but mostly necessary and some of it fun
  • I am most pleased with my super tiny “Wardrobe” section, as I really didn’t buy a single stitch!
  • I would like to watch my expenses for the next month, but a new household = $$$$$


NET WORTH = $191,656.87, or a decrease of -($6903.76) or 3.48%

  • My investments have been taking a dip to the tune of about $10,000 this month *shakes fist*
  • Still, I hang onto them for the long-term, not the short… and I see it as a time to buy more, rather than less!


  • I guess “Retirement savings” or “Government taxes” isn’t really considered spending
  • …but they’re the biggest amounts I’ve taken out of my paycheck, if that makes sense


Not much happening. Just hoping I don’t break my streak!

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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. LAL

    Why are you staying in hotels?  Still consulting?  What sort of car?  Is it a rental?

    1. Mochi & Macarons

      I’ll always be still consulting, that’s my career.

      The car is not a rental.

  2. Mochi & Macarons

    It is easier not to spend on clothes or buy anything when you force yourself to pack and cram things into a suitcase :/

  3. Leigh

    Ack, decrease of almost $7,000 must hurt! Maybe you will get back to $200,000 next month?

    My “stretch” goal is to hit $200,000 by the end of the year, but I should definitely hit it by January. Even if I fall a bit short like I’m projecting, that would still be a $60k+ increase for the year, so I don’t think I should really beat myself up at all.

    I like the graphic about buying ice cream -that’s cute 🙂

    1. Mochi & Macarons

      It really stings, but that’s the price you pay to invest instead of letting it sit idle! 🙂
      I think a $60k increase is more than admirable! I only hope I can reach something close to that, myself.


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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

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BEAUTY: swears by Paula’s Choice


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