In Budget Roundups, Money

November 2020: Expenses Budget Roundup

Note: All the graphics you will see below, and charts, were made with

All net proceeds go to charity! (Always and forever.)

THE EXPENSES = $2181.17

My Side Income covered my expenses with $5803.46 to spare

I spent a lot this month. I have been buying stones, chains and other things to upcycle and create jewellery with, and this is becoming quite a hobby. I have started to separate it out from Wardrobe and made it Entertainment.

I also bought a lot of clothes (the dam burst!), and I kept seeing good deals… way too good of deals.

Expenses In Detail:

Home includes condo fees, insurance and utilities

Fees are up this month, I am resigned. We are almost at $500 a month now just for fees, utilities and so on. That’s fine by me, $500 is pretty cheap for living in a home, but I am slightly annoyed at the hike as it wasn’t planned.


I grossly overestimated the other months of spending on Groceries as I am not the one who goes out and buys things (it is my partner). I put something like $500 a month for just my half, but my partner has been spending half of that, so I reconciled the previous months and compiled them into November.

Budgeting is difficult with two people, and my partner is not as detailed as I am. I just have to wait and reconcile months later, and then be happy I have a yearlong set of statistics for the future which is all I really want in the end.


My partner bought more hand sanitizer. We don’t really need much in way of toilet paper because we use family cloth for peeing, and we already have a stock of soap to last us a lifetime it seems.


Doctor prescribed me ibuprofen, Sudafed, and an anti-depressant because I’ve been quite dizzy and sick, so we are trying to figure out why.

OH! And I started on retinoids for my skin, to cure my adult acne but also to help with my wrinkles. I was prescribed tretinoin in the lowest dosage of 0.025%. It seems to be going well, I had a really rough past 2-3 weeks, and I am still getting flare-ups and whiteheads as my skin purges and breaks the keratin loose to clean out the pores. I don’t even know why I didn’t start this sooner.


All of it will be posted in my What I bought Roundup posts. I usually do a video to go along with it too, on YouTube, and that won’t change. This month, I did buy a very special item.

Eating Out

I am not going out to eat AT ALL, but I didn’t know where else to stick my chocolate purchases. I bought over 2 kilograms of chocolate bars to store in a backpack, and I have been making my way through the stash. That’s what the amount for – pure chocolate bars.


Don’t need anything. Not going out. Don’t wear makeup at home. Didn’t cave at the Sephora sale. Nothing interested me.


In anticipation for Christmas, I sent off gifts and also purchased items for very close friends. So it was not planned but I did it anyway because I don’t really need to micromanage my money any more, I just enjoy tracking it and staying roughly on track.


Favourite: $69.15 – 3 X Dragon bracelets

I have been obsessed with this dragon necklace and almost purchased it, but the DIY-er in me wondered if I could make it myself, and choose whatever stone I wanted.

So I ended up finding 3 dragon bracelets on Etsy and definitely grossly overpaid in hindsight, but I chalk that up to inexperience to not remembering to check Ebay. I am pretty pleased because I can make a couple of dragon-themed necklaces out of these, and it’s still cheaper than what I’d have paid for the piece above, with the dragon pieces costing $50 alone, and then the stone will be another $20 or so, for $70 CAD, versus $115 USD.

Unexpected: $68.99 – Apple Arcade for 1 year

Little Bun. He loves the game Tint, Doomsday Vault (save Earth’s plants!), and Patterned (see below of the finished Patterned puzzle), so I bit the bullet and paid for it for a full year rather than at $6.99/month which would have cost more in the end.

Hated: $21.98- Hideous stone I don’t want

I am really annoyed. I bought some stones off eBay to upcycle with for my little projects (all my projects will be here under this category: Upcycling Projects), and I was promised a beautiful stone of chromium, but what I received was hideous.

To ship it back, would have cost far more than what they offered as a refund, so I got back $23 and paid $21.98 for something I don’t want. The money was sunk anyway, so frankly….

I was promised this. Green, clear, not too many white fuzzy pieces…

And I got this instead. Feckin’ hideous. It hasn’t been polished on the sides, etc. I need a rock polisher to finish it off, or to send it off to be properly done, it’s truly … ugly AF.

Note to self: Buy proper cool stones on Etsy, and buy the cheaper quartz stuff on eBay.

Expensive: $1010.72 – Max Mara Manuela Coat (Secondhand)

If you’re interested, you can read on Instagram in a post (there are multiple slides to swipe through) of why I bought a designer coat secondhand for this price, rather than a brand new one in double-faced cashmere lined in silk.

Joyful: $101.19 – Medication

I haven’t had horrible headaches since a few months ago even though it has rained, and even picked up some acne treatment to get rid of my adult acne, so I am extremely happy that I no longer feel like I want to fall down and throw up, or sleep for hours on end.

I hope this continues.

Cheapest: $10.34 – Ibuprofen

It is the cheapest. I spent that on a small bottle as per my doctor’s instructions to take that instead of acetaminophen when I get sick. So far I have only taken one pill out of the bottle but it is good to have it just in case.


One more month to go. Income goals will be hit, spending will not. I am already at $28,372 year to date, so unless I can calm down and spend $1700 in December, I will go over $30K.

Still. EVEN IF I spend $35,000 I am pretty pleased with myself. It’s the lowest I’ve spent in a long time, just look at my past spending over the years:

2009 $26,577.29
2010 $25,162.88
2011 $41,525.66
2012 $52,043.86
2013 $38,765.06
2014 $41,290.71
2015 $58,819.60
2016 $52,422.76
2017 $57,925.15
2018 $58,652.37
2019 $41,159.60
2020 $28,372.93

The lowest I’ve spent was in 2010 at $25,162.88 because it was during the recession and I was at home, frightened to go out and spend a single penny because I was still out of a contract and panicking.

I’ve kissed $60K three times in 2015, 2017 and 2018, all years when I worked at VERY STRESSFUL projects that made me want to spend like crazy.

This year to date is fine by me. I will be a solid $10K underneath what I spent last year, and last year, I was living it up with my trip to NYC, I went to Toronto and hung with my friends all summer… it was a beautiful time.


I start work next month, near to the end. Not sure what I will be able to scrounge up as income, considering they’re starting me late in December, but money is money.

I am spending my last week reading as much as I can, upcycling with Little Bun, prepping him for my workday, and in general, telling him Mommy is anxious he will not be fine when I start again because he’s VERY attached to me and used to me being around 24/7 (literally).

So time to peel him off me, and my partner has already stepped up numerous times to coax him to play and Little Bun has also made an effort to reach out to him.


If you’re interested, I use the following:

  • Rakuten: Use my referral link for $5 in cash to get started – I use them to shop on sites ALL THE TIME.
  • Swagbucks: Use my referral link for 300 Swagbucks to get started; you need 750 to redeem for $10 CAD
  • Rogers World Elite Mastercard – No annual fee, 1.5% cash back, but you can only redeem it yearly and you have to call each year to ask them to redeem the credit against your next year’s statement. I use it for all my purchases as I buy a lot in USD$, and those purchases are 3% 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

Stay tuned for the net worth & investments post!

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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. Rachel

    Hi Sherry,

    Seems like the Actual spending total is off by about $1,000.

    1. Sherry of Save. Spend. Splurge.

      Hi – It’s not. The amount for Groceries is in the negative of about -$500 because I had put too much in previous months, so I adjusted it in this one. My partner buys the groceries, and remits the half of the amounts quite late because he’s lazy, so I don’t get the final totals until months later… so I estimate, and I overestimated because he spent far less than I expected. 🙂


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