Since I started using The Budgeting Tool (I was still refining it in its early stages), I’ve been diligently tracking my net worth.

I’ve also been using The Investing Tool to grow my savings….

You can really see the story of your life in an instant, just by looking at the ups and downs of your finances.

Past Net Worth Graph

Click to embiggen



What my Net Worth Includes

  • Cash
  • Savings (Chequing Account)
  • Emergency Fund
  • Investments (not tax-sheltered)
  • Retirement Savings (tax-sheltered)
  • House (purchased in cash; no mortgage)
  • Car – I added my car’s Kelly Blue Book value if I were to liquidate it today. I purchased it in cash as well for 6-figures.

What my Net Worth DOESN’T Include

  • Physical things — Clothes, Laptops, Gadgets, but my estimations is that I would need $30,000 to cover my stuff
  • My partner’s money or net worth — it’s all me!!! My personal earnings / savings.
  • Little Bun’s money or net worth — again, all me. I do invest it for him though – I wrote a book on how I invest his money. 🙂
I don’t put the above amounts in because it’s subjective to guess how much your stuff would be worth secondhand.
I can estimate it at about an additional $50,000 in total (or more) but I’d rather not pad my net worth.

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

WRITES: Books (also available on Amazon).

BEAUTY: swears by Paula’s Choice


…but you can read more about me , browse my index of posts, or get in touch with me, talk to me directly on Instagram, and of course, ask me anything here.

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Also, I am not a professional investment advisor or money manager by any means.

I am just a woman who loves money, talking about money, and making money.

All opinions expressed on this blog are personal and for entertainment value. Take them with a grain of salt and always consult a professional when in doubt.