In Budget Roundups, Money

November 2019: Income & Expenses Budget Roundup

THE INCOME = $26,467.44

Day Job: $23,914.80

It’s what I do. I work 40 hours a week. Extra hours = more money.

Side Income: $537.76

  • Credit card cashback rewards: $57.06
  • Poshmark sales: $259.86
  • PayTM rewards (see below for info): $10
  • Books: $8.69
  • Bank Interest: $202.15

A much lower amount than last month for sure!

But that’s okay, I knew last month was a one-off.

Dividends: $924.69

This is my mini dividend project details and my dividend short list of stocks I was looking at to buy for Canada and the U.S.

I want to set a goal of $12K a year in dividend income by the next 5 years.

WHAAAT? Who dis?

Since my goal was $1000 a month, I am very happy about this.

I am pretty happy. I plowed a good chunk of money into dividend stocks sometime in the past few months and the uptick in dividend payout is looking mighty fine indeed.

I plan on taking a break on this dividend part, and throwing about another $15K next month into mutual funds, so that I keep my portfolio balanced.

My breakdown is roughly half dividends, half mutual funds. I don’t want to go TOO far down the dividend garden path because I also have a strategy for overall long-term portfolio growth.

Blog: $1098.88

Advertising: $538.01

Affiliate: $490.52

Products: $70.35

This amount also went down about $1500, I had a crazy month last month and I didn’t expect to repeat it.

What do I use to manage my blogging / social media?

I am only active on 3 main platforms because I cannot handle more than that alone:

The ONLY thing I pay for in terms of social media management, aside from webhosting fees etc, is $15 a month for Tailwind Plus – a social media manager.

This service has saved my life for social media management.

Without it, I couldn’t do my day job, my personal life, my blogging life AND social media life / postings.

If you use my referral link, you can try out one month of Tailwind Plus for free.

Save. Spend. Splurge. Products sold, include:


To continue and keep it at $900K because I AM SO CLOSE TO ONE MILLION!!!!!


But I also have taxes coming up (personal and business) for year-end, so this will be a push.

I don’t know if I’ll make it even by mid-2020 to be a millionaire. I usually pay hefty taxes, have to take out money for charitable donations, etc.


If you are interested, my money is parked here:

  • EQ Bank: Good, general 2.3% high interest savings account; subject to change
  • Tangerine: Use my Orange key { 32726976S1 } for free money (You get $50 once you deposit $250; and I get $50 too)

…credit card extra rewards cashback savings here:

  • PayTM Canada is also how I pay my municipal taxes, utility bills and so on with my debit account which I would do anyway, but through PayTM it lets me earn PayTM points for Amazon, Starbucks gift cards etc… Use my referral code [ PTM210713 ] for a free bonus 5000 points ($5 gift card)

…and invested here:

…and I list my things for sale here:

THE EXPENSES = $4345.73

Why the hell are my expenses always so high.

This is a rhetorical question because… I thought $3000 was a GENEROUS budget for me monthly, but apparently $4500 is what I actually like to spend.

That said, I did have a lot of events and special people coming to visit. I won’t ever say no to going out to eat with good friends or spending great time with them.

I also did shop a little, obviously. A NEW dress and NEW shoes. SHOCKING.

And new cotton bikini seamless underwear (these ones to be specific).


If you’re interested, I use the following credit cards:

  • Rakuten – I use this site ALL THE TIME when I shop online, and thus far have racked up $750 in cashback in 3 months. Use referral link here [ ] for a free $10 to get started.
  • PayTM Canada is also how I pay my municipal taxes, utility bills and so on with my debit account which I would do anyway, but through PayTM it lets me earn PayTM points for Amazon, Starbucks gift cards etc… Use my referral code [ PTM210713 ] for a free bonus 5000 points ($5 gift card)
  • Rogers World Elite Mastercard – No annual fee, 1.75% cash back, but you can only redeem it yearly and you have to call each year to ask them to redeem the credit against your next year’s statement. I use it for all my purchases as I buy a lot in USD$, and those purchases are 4% cash back (almost like a no forex fee in essence)
  • Tangerine Mastercard – No annual fee, 2% back on certain categories (up to 3). For their savings accounts, use my Orange key { 32726976S1 } for free money ($50 once you deposit $100; and I get $50 too). I give this card to my partner (he has a joint card) and he uses it constantly
  • I used to have the MBNA World Elite Mastercard but they increased the annual fee. That was disappointing, they used to give 2% back on everything.

Where my Fun Money Went

My fun budget this month was $225, but I only spent $153.43 of it because I already had another fun budget of $1000 for my friend coming up. I didn’t use that full budget either, I only spent $489.60.

Fun Budget Breakdown: $153.43 spent out of $225

  • Eating Out: $83.87
  • Spinning Tops: $36.79
  • Jewellery: $29.45
  • Parking: $3.32

Visiting Friend Budget Breakdown: $489.60 spent out of $1000

  • Eating out: $458.32
  • Parking: $31.28

I did pretty well! Not so bad, right? I didn’t need to use my fun budget and was very careful to not waste it either, knowing I was already almost at $500 for eating out, and another $500-ish for clothing, accessories and so on.

Monthly Expenses

Favourite: $36.79

I saw and bought the most amazing spinning top toys – Playable ART Spinning Tree Tops. It’s really for me, not Little Bun. They are spinning wooden toys that are made in Germany, and I got the pine tree that can spin on its trunk OR on the tip of its tree.

Unexpected: $25,000

Sooo… I had to pay $25K in business sales taxes, prepaid taxes, etc. I forgot all about it until I saw the notification on my calendar, and whoosh, there it went.

Still, I managed to go up in my net worth, so this isn’t so bad.

Hated: $4.25

Parking. I hate paying for parking, but I did it, and I loathe it.

Joyful: $301.41

I absolutely had to have this MM Lafleur Dina dress. I couldn’t wait for it to POSSIBLY show up on the resale market, in my size of all things. I remember waiting years for the Catherine dress from MM Lafleur to show up, and just by luck I found it in a size 4 navy secondhand, but … DAMN.

This dress is incredible. I usually hate high necklines, but this one looks perfect with a tied necktie. AND IT HAS POCKETS!!!


Expensive: $425.58

Nothing really to see here, I bought 15 pairs of Commando cotton bikini panties to replace my old ones. Actually I will keep the old ones but only to wear at home until they are really ruined with holes, etc.

The nice ones for going out. I only buy this particular brand of underwear because I prefer cotton, I want it seamless, in the colour nude so that I can wear it under anything including white pants or skirts, and comfortable (they are bikinis, not thongs or whatever else that rides up your bum!)

Cheapest: $1.75

I bought a thrifted necklace for $1.75. I saw it in a thrift store and I had to have it.

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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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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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Save. Spend. Splurge. uses affiliate links from Shopstyle, and Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to or ShopStyle. In addition to these, any referrals on the page will result in revenue if used such as BlueHost.

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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.