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May 2014 Budget Roundup = $231,219.38 or a decrease of 0.065% or -$150.99

LOOKING BACK

GETTING EXCITED FOR THE WORLD CUP!!!!!

And this video doesn’t help my excitement.

WHY LEARN FRENCH IN PARIS?

BF said something puzzling the other day.. puzzling, because he’s from France and you’d think he’d have said something different.

I mentioned a friend who is living in Paris, trying to learn the French language and coming across a lot of hurdles in the slang she didn’t expect.

Him: But why is she even bothering to learn French?

(genuinely puzzled)

Me:… because she’s in Paris?

Him: But all educated people speak English. She can always speak English and not bother with French.

Me: Well for one thing, buying stuff would be easier.

Also, it’s just such a shame to live in France and not even bother to learn the language. It’d be like a Spanish person coming to the U.S. to live and not bothering to learn English!

Him: True.

… How odd.

I thought he would have been more encouraging of her learning French, particularly with French sensibilities as in.. they don’t think they can learn languages well and are too shy / mortified to speak any language but French because it is the only language they know perfectly without fault.

I find this attitude a bit bemusing because that means I have to subject them to my rather mangled tu versus vous French at times, but they prefer this over having to speak English to a native English speaker.

Unless they can speak it perfectly, they don’t want to try and embarrass themselves. This is a very defeatist attitude to me.

TIM TIM’S RUM & COCA-COLA

I know this song is about prostitution, but it’s just so damn catchy..

In case you’re wondering what she is singing in Brazilian Portuguese for the lyrics to the song, it is:

“Homenzinho que prazer você me dá… ah-ah deitadinho no sofá… ah-ah homenzinho você gostou? Oh então vamos continuar…”

Translated: “Little man what pleasure you give me… ah-ah laid there in the couch… ah-ah little man did you like it? Oh let’s go on…”

Hat tip to WORIONLOBO for translating in the video comments. I had been trying for months to figure out what she was saying because it bothers me when I don’t know the lyrics to a song I love.

TRIED ON A FEW MORE PAIRS OF SHOES & BALLET FLATS

Pretty Ballerinas are really only available online in the U.S., but can be found at David’s in Toronto on Bay / Bloor and in Montreal in the Westmount area at 392 Victoria Avenue.

They’re made in Spain.

pretty-ballerinas-review-shoes

I tried them on in David’s, and there is NO cushioning to speak of.

Literally NOTHING. THERE.

The suede version is comfortable around the foot and ankle, but without any cushioning to speak of, they’re a no-go for me, especially at those prices ($150 +). For such expensive shoes, I expected a LITTLE padding. Not a ridiculous amount, but not nothing.

I also tried on those infamous L.K. Bennett heels because Kate (the Duchess) seems to like them so much. I don’t understand why, because they are ridiculously painful and they fit really strangely on my foot, as though the soled area was totally flat and not supportive at all.

lk-bennett-samira-heels-review

I much prefer Manolo Blahniks as heels versus L.K. Bennett, and Bennetts are also made in Spain but Blahniks are made in Italy.

That, and I loathe shoes in patent leather because they look so cheap and plasticky and a lot of L.K. Bennetts shoes are a patent leather.

I think I’ve been spoiled by Blahniks.

Lastly, and to no one’s surprise (least of all mine), I tried on the Chloe scalloped flats and fell in love with them. They’re made in Italy.

chloe-scalloped-flats-ballet

Of course I did.

And of course, they’re $495 and totally out of my price range (I know, surprising right?)

I can pay up to $200 MAX for a pair of ballet flats, but any more than that and they better last for 10+ years which I am not sure will happen, as the leather is very soft and thin.

Yeah. I think I won’t buy them unless they’re at least 50% off or more.

INCOME = $498.43

EXPENSES = $2703.29

Based on my previous budgets coming down either around or well under $1000 a month, this month’s almost $3000 expenses scared me when I tallied everything up.

I was pretty nervous when I looked at the final numbers, well aware that I had kind of ..er.. let.. my budget explode out of control on a whim of spending.

One thing led to another, and before you knew it, I ordered a $750 (after taxes and duties) steamer insert and matching pot online (egged on by BF of course).

Save-Spend-Splurge-May-2014-Budget-Roundup-Expenses

Save-Spend-Splurge-May-2014-Budget-Roundup-Pie-Chart

TOP 5 CATEGORIES OF SPENDING

Save-Spend-Splurge-May-2014-Budget-Roundup-Top-5-Categories

SAVED: What is this ..”saved” you speak of?

No seriously. What is it?

.. I guess I can say I “saved” on a haircut. Instead of going to a fancy salon at $100+ before taxes and tip, I went to a cheaper one that came out to $45 in total after taxes and tip.

SPENT: An epic amount of money on clothes

You saw the post right?

SPLURGED: $750 on a steamer insert & matching pot

Made by Mauviel, crafted in France by hardworking French fairies sitting on sweet little toadstools under the light of a blue moon… of course.

What can I say? I love steamed vegetables and steamed everything, so this is the ONE THING I really wanted to buy.

BF still has his eye on this Le Creuset pot that he declares is the perfect size and width to make his famous Tarte Tatin.

It’s a few hundred bucks so we’re going to wait until there’s a sale or SOMETHING at Williams-Sonoma before picking it up.


Who am I to complain if the man wants to make awesome desserts for me?

🙂

We also still want a Vitamix blender to puree and make baby food for Baby Bun when he gets big enough to eat solids.

NET WORTH: $231,219.38 or a decrease of 0.065% or -$150.99

Umm.. it could have been worse? Considering I spent about $3000 and earned less than $500, this is not too shabby at all.

Save-Spend-Splurge-May-2014-Budget-Roundup-Net-Worth

Save-Spend-Splurge-May-2014-Budget-Roundup-Net-Worth-Chart

DIVIDENDS REVIEW: $204.62 for May

All reinvested into more stock of course.

Save-Spend-Splurge-May-2014-Budget-Roundup-Dividends

MY 5 FAVOURITE POSTS FROM THIS MONTH:

  1. 10 Golden Rules of Personal Finance
  2. Why are we so obsessed with fast fashion?
  3. Living without a smartphone bothers people
  4. Why minimalism bothers you
  5. What is the one luxury you can’t give up?

BEST BLOG FEATURES FROM THIS MONTH:

LOOKING FORWARD

Not. Spending. Money. In. June.

NOT.

I AM NOT!

Okay… I am spending money but not a lot on fun stuff.

I need to go see a dentist and get a spring retainer (I think), and the consultation alone is $65, and the retainer is $500, so… $600?

*crosses fingers nervously*

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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 TheBudgetingTool.com. 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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31 Comments

  1. elle [wonderfelle world]

    Lanvin flats. On sale. Try them if you haven’t – as long as you don’t wear in the rain they will last years and years (especially if you re-sole). Chloe flats are so soft but seem flimsy in comparison!

    Reply
  2. MelH

    Just in case it’s useful for you: I bought a pair of Lanvin ballet flats (on sale for about US$300) in March 2009 and wore them through March of this year before they finally gave out and I had to throw them away. I stopped keeping track after I wore them 350 times and I had them resoled once for about $10. I’m now onto my second pair of Lanvin flats. I bought them at full price which I know is stupid, but they have the full padding, whereas most of the styles (including my first pair) have the half-pad. I have three pairs of flats, including a cheap pair I wear in the rain, so in my opinion it’s definitely worth the price if you keep them for a long time and wear them out.

    Reply
    1. save. spend. splurge.

      !!! Sold. I just have to find them on sale now. They look SO comfortable…

      Reply
  3. Tania

    I LOVE my Vitamix. Debated for two years and finally got one last month. Just in time for the wisdom teeth pull so I could blend a protein smoothie in the morning, a veggie soup for lunch and a icy treat (my middle name was ice cream for that entire week). The power of the motor is the greatest thing but also the ease of cleaning. You don’t take it apart, just throw some water and dishsoap in, blend and rinse. My old Oster was very frustrating because I have tiny hands (kid size really) and it was very difficult for me to take the blade apart for cleaning.

    I’ve been trying to do more blending veggies juices.

    The steamer pot made me laugh. I got a great one from Williams Sonoma as a gift from my registry when I got married but I think it was just a few hundred (but that was14 years ago). Enjoy! I used to have this rice pot by Zojirushi that had a steamer tray for on top so I could make my rice and steam veggies at the same time. My favorite was mushrooms, sweet onions and bell peppers.

    I know what you mean about the want list getting chopped (in your comment above). I’m not as strict as you about China but do have moderate rules about that with a few exceptions. But I’m very strict now about a minimal wardrobe in terms of colors and styles. I’ve got a few hippie pieces but other than that I stick to a certain color scheme and clean lines. I can go into a sale and walk out with a few minimal non-trendy basic pieces in black/white/grey. My bad on sale purchases in my closet that end up getting tossed after a season is less and less now that I’ve got “rules”.

    Reply
    1. save. spend. splurge.

      We’re waiting for a sale or some miracle to buy that Vitamix. That and it’s really expensive, and we don’t need it right away…

      That steamer will be perfect for me even if the pricetag made me faint.

      I’m starting to stick to my own rules now too. I find that I am gravitating less and less towards rainbow anything.. rainbow-style patterns where there is more than one colour for instance, or the palette is too rainbow-y… I like colour but in small doses.

      Reply
  4. debs

    Thanks for sharing my post and thanks for pinch hitting!

    Reply
  5. Stefanie @ The Broke and Beautiful Life

    When I was in Amsterdam last month, I’m pretty sure I heard more people speaking English than anything else. I kept thinking, does ANYONE speak Dutch here?

    Reply
    1. save. spend. splurge.

      They are some of the best non-native English speakers in the world. I have a Dutch friend and you can’t even tell that her English is accented except for a few words. Brilliant.

      Reply
  6. Nicoleandmaggie

    Williams Sonoma is so expensive for le creuset. We’ve had far better luck at other kitchenware stores.

    Reply
    1. save. spend. splurge.

      I don’t go to Williams-Sonoma for the Le Creuset UNLESS they have a sale.. like a boxing day one, 25% off. Otherwise, I only buy from them if they sell brands like Mauviel made in France.

      Reply
      1. nicoleandmaggie

        Right, but even with sales, other outlets are less expensive than Williams Sonoma for Le Crueset. IIRC, they have a special Le Crueset line of their own, but if you don’t need “blue” or whatever color it is, you can generally get Flame or Red or Green etc. much cheaper at other kitchenware stores, which also have good sales on Le Crueset.

        Reply
        1. save. spend. splurge.

          Where? Which outlets I mean? 🙂 You’ve gotten me curious. I do find that Williams-Sonoma tends to carry obscure pieces of Le Creuset like this pan that BF wants to buy to make a pie with… otherwise there is a Le Creuset store itself in Toronto that I visit, and we checked the prices against W-S and they were the same. 😐

          Also, I thought Red was THE colour to have in Le Creuset!! I find it, or that ivory one to be the best..

          Reply
  7. Melissa

    I have to say, steamed veggies are pretty freaking awesome. I don’t fault you for getting a steamer at all! Go for it!

    And ugh, I guess we can revoke my lady-card, but I don’t like heels! Most heels (to me) are so uncomfortable! Then again, I love wedges, so don’t write me completely off. I blame the fact that I am SO uncoordinated and heels make me feel like I am going to fall over all the time…

    Nice job this month!

    Reply
    1. Tania

      @Melissa: I used to run around in heels and more or less can’t stand them anymore either. Sold all the high ones, have a few low but I run around in flats or boots for the most part. Trouble is I’m sooo short and feel like a midget when I’m out on the town with my taller friends who of course are wearing super high heels.

      Reply
      1. save. spend. splurge.

        How high were your heels?

        Reply
        1. Tania

          @save. spend. splurge.: @save. spend. splurge.: I can handle 2, the ones I sold were 3 and higher. I also had many platforms that were 5 but with a 2 platform (so 3) but the skinnier the bottom of the heel the more unstable the platform (can turn your ankle on a dime, literally) so they are deceivingly comfy, actually quite dangerous. I don’t wear platforms now unless they are not so high and the bottom of the heel is quite substantial. It isn’t as sexy but neither are crutches 🙂

          Reply
          1. save. spend. splurge.

            I concur. Heels on platforms.. *shakes head* not for me.

    2. save. spend. splurge.

      I like heels at 2″ then I can’t wear them any higher. 3″ max but I feel awkward.

      Reply
  8. GirlinaTrenchcoat

    When in Rome, do as the Romans do. When in France, try to speak French and it’ll go a long way is my experience. I think the French just want to see foreigners attempt to communicate in their language, and after several mangled sentences they go “oh alright you tried, it was horrible, but you tried. We may now speak in English to save you from butchering our beautiful language.” 😉

    Also, I find it strange how the French don’t like to speak English unless it’s perfect, but a lot of people love their accent and think the grammatical errors are endearing!

    Reply
    1. save. spend. splurge.

      Er.. they don’t stop me!!! I keep mixing the vous/tu.. and once I said “arbres” (trees) for “bras” (arms) because I was tired and got confused..

      Then there’s sexual slang…. Une pipe is not a pipe, it’s a blowjob…

      Reply
  9. Emily @ Urban Departures

    Just read about the arche ballet flats: http://www.lesantimodernes.com/2014/06/foundations-ballet-flats.html

    Never tried them, but can be something for you to look into? Made in France.

    Reply
    1. save. spend. splurge.

      I’m looking into those then. Repetto’s that are also made in France, are uncomfortable and disappointingly so.

      Reply
  10. Alicia @ Financial Diffraction

    I did a summer bursary program in Montreal to learn French, and it was the same thing as your friend in Paris. I didn’t learn anything because as soon as I started speaking my butchered French, they’d flip to English to go easier on me. Ah well, it was still a summer in Montreal for free, at 18!

    Reply
    1. save. spend. splurge.

      LOL! In France they continue with your butchered French, they have a problem speaking English if it isn’t 100% perfect. I noticed that with BF’s friends too… they refuse to speak English with me even though they went to the best schools in France and can speak it perfectly.

      Reply
  11. AdinaJ

    I’ve been dreading doing the net worth calculations this month because … holy hell, it’s been nothing but one expense after another (and it wasn’t fun stuff either). But, at a quick glance, I think we’re doing better than I was expecting. Yay for index funds!

    Reply
    1. save. spend. splurge.

      YAY FOR SHOPPING!

      Oh wait.. you wrote “index funds”.. 😛 😛 😛

      Reply
  12. J. Money

    Updated you on the Blogger Net Worth Tracker!

    http://rockstarfinance.com/blogger-net-worths/

    Keep hustlin’ over there 🙂

    Reply
  13. SarahN

    You’re doing OK all things being considered! I can’t believe you try stuff on that you know are too much – but I suppose half of the things you find you no longer like (like not enough cushioning) so I gather it can cut your want list as much as adding to it?

    I’d love to know what your wedding gift was – I always puzzle what to buy as gifts for weddings and engagements.

    Reply
    1. save. spend. splurge.

      *groans* I KNOW!!!!!

      My want list actually gets chopped very easily. Not made in China, breathable/natural fabrics, cushioning/other details.. and recently, vintage / secondhand. Very hard to find things to buy unless you go online and bite the bullet.

      As for my wedding gift, I always give cash 🙂

      Reply

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