In Budget Roundups, Money

November 2018: Income & Expenses Budget Roundup

THE INCOME = $24,297.71

Day Job: $24,297.71

Day job .. is my day job. It’s what I earn each month, working 40 hours a week. Nothing to see here. Boring.


Blog: $1026.77

Advertising: $503.45

Affiliate: $197.31

Products: $326

Save. Spend. Splurge. Products sold, include:


THE EXPENSES = $4351.04

I did pretty good. Bought a used designer bag, so that added to the budget, but *shrug* overall, not bad.

Hello, my pretty! This is the YSL Sac De Jour in Grey Baby Grain Leather… Normally retails for $2681 CAD, got it for half that (~$1150)….

Look! Fancy!


My top expenses this month was obviously THE BAG above.. Super practical and pretty by the way.

And the other expenses were groceries, household, basic stuff.

I also picked up some Stuart Weitzman secondhand boots because I tried so many cheap pairs like this one from Steve Madden and it looked fine (colour was not my thing) but felt uncomfortable. It needed a lot of insoles, and was not great.

GOING FORWARD – $800K net worth…

My goal this year was $800,000 in my net worth. Will I reach it? Stay tuned for tomorrow….

I was doing a stretch goal of $850,000 but then the markets kicked in and yeah, that is out the window.

Could not really predict that.

All I can do is handle what comes, and just keep working, making money and saving it, stockpiling cash and waiting for things to come up at a bargain.

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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. Financial Orchid

    J’adore la YSL sac du jour <333 Tres belle et tres chic!

  2. Kemi

    I just wanted to say that I’ve been visiting your blog for years and I do enjoy seeing your monthly financial update. It inspired me to do the same for myself and it has helped me stay on track in terms of monitoring my financial spend. Thank you

    1. Sherry of Save. Spend. Splurge.

      Thank you so much. I appreciate you taking the time to tell me that!


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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

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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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.