In Discussions, Money

Money Talk: What is your first money memory?

I have a few significant ones.

The VERY earliest I can remember is receiving a bill note, a nice crisp one, fresh from the bank from my mother for an occasion.

I was very young, maybe .. 5? And I remember running my fingers over it, feeling the raised bumps of the paper, marveling at how fresh and crisp it was, and how pretty the design was.


I was 7, and I got my first “paycheque” doled out by my brother who was scamming me at the time but I didn’t know it. He made me fold all those leaflets and prep bundles, and then make me run up to the doors and hand deliver them in a “race” that he always seemed to lose on purpose.

I earned $7 a week and spent 6 hours in total for it. When I finally got to my first $20, I was so excited. I had never held a $20 bill in my hand in my life and that was a LOT OF MONEY.

I mean, really, that could buy a ton of candy in my mind, and I would spend hours thinking about all different kinds of candies I would buy, X number of this, Y number of that.

I remember hoarding candy bars after that like currency (which in some ways it was, because I would resell it at a slight profit to hungry siblings who were too lazy to walk to the convenience store to buy their own), and doing inventory every day (5 Mars Bars, check….. 4 KitKats, check…)


I don’t remember what age I was but I started collecting all the loonies because they looked like pirate’s gold when I opened it up to marvel at it.

I would have this little Cadbury tin box I had my brother cut a slit in the top for me, and each time I got a loonie for whatever reason, I’d drop it in the box. I would then break it open once it was too full to drop in any more loonies, roll up all they money and bring it to the bank.

I started doing it with toonies too as I got older but lately, have gotten out of the habit because that *%$@( is heavy…. and I just wince at the thought of interest not being made on it, no matter if it’s just a few pennies.

I’d rather stack the bills than coins 😉


I look back at it now, and it is funny because it doesn’t seem like a lot of money now. I have amassed so much that sits in a bank account that I check online, that I don’t physically have the money, but have the numbers in my accounts to prove that I have money.

How odd.. that when you’re a kid you go from having the physical proof of richness to now a few virtual pixels on a screen.

It seems surreal actually, that people can amass that much. I wonder what all that money looks like, stacked in hundreds on the floor.

What were your first money memories?

You can read the rest of the Money Talk questions here.

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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. Domonique

    This is a great post!

    I remember using my birthday money to buy two things I loved: a Celine Dion cassette tape and The Little Mermaid on VHS when I was around 3 or 4.

    I’m 29 now and still remember both of these purchases because everyone else was buying candy and my choices were very odd for my age group.

    1. Sherry of Save. Spend. Splurge.

      LITTLE MERMAID!!!!!!!!!!!!! Well I admit in being the candy camp so I can’t say much.

  2. Financial Orchid

    I got one @ age 5:
    Got to keep a loonie after dinner. Traded it for a quarter. Even though the loonie was bigger, the older trader/traitor advised 25 was a bigger number than 1. FML. Maybe this is why I run a personal finance blog to educate younger fools of next generation.

    1. Sherry of Save. Spend. Splurge.

      That is some serious scamming… but at least it was a small amount you were scammed out of and not a big one.


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