In Budget Roundups

November 2012 Budget Roundup = +$1336.56 or +0.66%



Apparently low blood pressure was the only cause of my health problems this month (nausea, dizziness, fatigue), and otherwise I am in tip top, perfect shape.

Got my free checkup and free blood test (thank you universal Canadian healthcare!), and a Post-It prescription from my doc to take omega-3 pills and folic acid.

Will be back to see him for another blood test in 3 months.

I also went in to see a massage therapist for my slightly pinched nerve who told me to heat my right shoulder and side, because it’s stiffening and could use something to help the muscles loosen.

She told me to heat pack it and stretch that side more during yoga (cheaper than weekly massages).


I just realized that the less I work, the cheaper I become with my expenses.

There’s no need for me to do this because I am beyond financially comfortable for my age, but I’ve noticed a pattern in myself: every time I stop working for more than 2-3 months, my mind starts ticking and slowing down on the spending.

I get cheaper, I don’t want to buy or pay for anything that is not absolutely 100% amazing or tasty, and I don’t even want to hear the word “vacation” come out of BF’s mouth.

It’s kind of awesome in a ridiculous way.

Even for 2012, I wanted to buy:

  • a hat ($200)
  • boots ($400)
  • gloves ($200)
  • a super warm coat ($700) for -35 Celsius degrees days

But I’ve decided against all that.

I went from giving myself a budget of $1500 for everything in total to $100 because I’m still considering a non-cloth/fabric hat of some kind, and I want to replace the insoles on my old winter boots to sexy Birkenstock ones.

(Note: The big fat budget is because I like to buy things once and not buy them any more.)

  • Boots: Returned UGG boots because of price; Will keep old ones & wear 2 layers of socks
  • Gloves: On hold for now and will just put my hands in my pockets all winter if I get cold
  • Coat: Keep my old coat, wear THREE layers of cashmere and deal with it

Purse & Bank Account = Happier.


Gail says:

Our insula (associated with pain) is activated by prices that seem too high.

…and she also notes that if you spend in CASH rather than on credit, you don’t feel any pain, hence why if you want to find money to save, you have to buy everything in cash so you’re in pain every time you fork over a penny.

That doesn’t seem to apply to me. (See above: Not Winterizing Any More)

I buy everything on my credit card, but I still feel the pain when I see the receipt and the amount, because I treat my credit card like a cash card.

INCOME = $729.95

Surprisingly (or not), I made a little bit of money this month!!!

  • Advertising: $300 (1 advertiser, one-off deal)
  • Consigning/Selling stuff: $429.95 (still have some stuff out on consignment)

It doesn’t cover my expenses by a long shot, but at least it wasn’t a pathetic $0 this month.

I also can’t really call consigning/selling stuff “income” as it is really lost income in the form of a previous frivolous expense, but it does make my wallet feel better.

Note: I can’t realistically make any money until 2013, as there are no contracts because most of the company budgets have been used up, and they have no money left for freelancers.

Nice excuse right?

Too bad it’s true. *sigh*

EXPENSES = $3000.16

Almost right on the nose..

So pretty………

Aside from rent, I was partly in Hong Kong for this month, so I put my Hong Kong spending here, which inflates it slightly by about $264.81.

We also went for a little Montreal jaunt to tie up loose ends (I owed $11 from my driver’s license payment, what’s up with that!?), got my license changed to QC, and picked up macarons, which ended up costing me about $400 for the whole time there.

I also paid a few $*#&#*@ bank fees because IĀ always forget that when I write a cheque that I shouldn’t be paying off my credit card as I spend money on it — it’s my habit to make sure I keep my credit card at $0 balance and I can watch out for any fraud.

I should WAIT UNTIL THE CHEQUE CLEARS before paying off my card!!

I never learn my lesson, on the rare 4 times a year I write a cheque to someone. Out $15.



NET WORTH = $203,252.26 or an increase of $1336.56 or +0.66%


  • The stock market gained a bit.. THANK ALL THINGS FINANCIALLY HOLY…
  • I think I’mma make it after all with staying above $200,000 in my net worth for 2012 *fist pump*




Not much happening.

I’ll spend December looking for a winter hat, and hassling Nelson to give me those or Future Shop gift cards he has in his current giveaway, and the new $20 bills he has lying around and has no idea what to do with.

(Hey Nelson, make sure you mark this post down as 2 entries in that contest! I need to stay above $200,000 so I can’t spend like crazy…)

I have a few dinners coming up, which I am budgeting for, but otherwise, I don’t expect to really be spending much.. but you know. I’m an impulse shopper.

Gotta stay out of those stores and focus on thrifting instead of buying retail.

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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. Joe Wood


    I will add that, taking 5 minutes to scan your credit card bills once a month (when you go to pay them) should not only catch fraud but is likely sufficient in the event of fraud’s occurrence to ensure you’d be protected from any repercussions as a consumer. Oh, and if your CC stops working or gets maxed out or something bizarre then obviously also remember to check.

    1. Mochi & Macarons




      I scan my bills every time I get them as a statement online, but I expect to see a balance of $0, otherwise, I know there’s fraud.

      My method is to buy something, and pay the exact amount immediately, hence its use as a cash card.

      Balance always turns out $0.

      If even ONE penny is off, I catch it and drill through each amount spent until I find the discrepancy.

      It’s happened a few times that I transposed the numbers and put more/less than the amount.

      My little method caught it easily.

  2. Budget & the Beach

    Lucking in LA there isn’t much winterizing to be had. Just throw on another layer on top! Whew, at least that saves money because my rent is a whopping 1400.

    1. Mochi & Macarons

      My rent right now is $300 (plus about $200 in groceries and another $100 or so in miscellaneous for my parents), but it will go up once I move into a hotel to about $1000/month for my half.

  3. Erin

    Hi! I’ve been following your blog(s) for a long time now, so I apologize if you’ve addressed this already. When you buy several things at once, that go into different categories, how do you include the tax on those items in your budget? For example, say I buy food and shampoo at the same store, where would I place the tax? Thanks!

    1. Mochi & Macarons

      Good question. I haven’t addressed this, but how I do it is I do the calculation manually and separate it out manually.

      There is no other way šŸ™‚

      If I bought shampoo and it was $6.99, I take $6.99 multiply it by the tax rate.

      Then I enter that as the amount under Toiletries, and then minus out the total amount from the rest of my receipt.

  4. financialuproar

    If there was a bonus prize for the amount of time somebody has spent scheming of ways to win my contest, you would totally get it.

    Oh wait, there is. Enjoy my plunger and underpants.

    1. Mochi & Macarons

      It just proves how badly I want those gift cards šŸ™‚

    2. Mochi & Macarons

      Also, shamelessness is a virtue.


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