In Budget Roundups

October 2013 Budget Roundup = $211,136.70 or an increase of $2843.20 or +1.36%



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I’ve been rather bored lately, so I started tweaking the code and layout of the blog, then it ballooned into new fonts and headers… yeah it got out of control but I’m pretty happy with how it turned out.

It’s a far cry from the mess I had experienced in July/August. I think I’m finally satisfied with the layout. Everything finally lines up nicely and doesn’t look half bad if I do say so myself.

Come check it out!


INCOME = $1651.94

I safely smashed my $500 goal this month, but it was mostly because I divested in stocks so I could hoard a bit of cash and wait for good buys.

Stock breakdown of net profits after commissions:

  • Gained $1078.05 from AG Junction sales
  • Lost $0.07 from Just Energy
  • Gained $250.55 from Starbucks.

*I only paid $4.95 – $9.95 per trade to sell my stocks with Questrade; referral ID o0soehds will get you $50 in free trades.

EXPENSES = $5281.64






SAVED: On my dentist cleaning

I had a perfect checkup. Not a single drop of blood in the basin. This means I only go once a year at $110 instead of twice a year at $130.

SPENT: On the baby!

Bought their bed, and a bunch of other stuff. Check out my baby tracker.

SPLURGED: On myself! A lot of splurging happened.

Wait until you see this gorgeous coat I bought myself…

NET WORTH = $211,136.70

…or an increase of $2843.20 or +1.36%





  1. What’s the most money you’ve ever spent on a piece of clothing?
  2. Minimalist Closet Living: The Essentials for Men and Women
  3. How does an almost 30-year old have $300,000 saved while earning only $20,000 a year?
  4. The time I was a total money idiot in a relationship
  5. My parents can’t afford the lifestyle they’re currently living


  • How can a maximalist also be a minimalist? (American Debt Project)
  • Meet the blogger of Save. Spend. Splurge. (Break the sky)


My post on Becoming a Freelancer: The reality of being an independent contractor hit a note with Making Sense of Cents.

Girl Meets Debt also very kindly repeated the perils of dating a financial loser. Don’t do what I did, kids.. I lost 6 years of my life on a loser.

Sarah, talked about her dilemma of clothes-buying.. namely, mindfully buying clothes these days. She even made a flowchart, which pretty much follows how I buy things these days. Oh and she featured me as so:

“… her decision to go Anti-China and more on why here,toxic chemicals in clothes, and in this post she slipped in her review of the book too!)”

Paula is envious of the Canadian scanning code of practice and feels vindicated that I too, ask for a few pennies to be rectified on an invoice!

DQYDJ liked my post on whether or not American tourists are rude and my revelation that France has a minimum wage less generous than their world-famous welfare and unemployment system.

Esther over at NZ Muse liked my post on why I am no longer moving to Portugal.

It started with lip gloss did an excellent response post to my original post about a woman being promised marriage if she made him 300 sandwiches.

Leslie enjoyed my post on How to Save Lots when Only Earning $20K.

Jessica zeroed in on my post asking What’s the Most Money You’ve Ever Spent on a Piece of Clothing?

Fig very nicely linked to 2 posts of mine! Becoming a Freelancer Part One: Myths and Part Two: Reality.



My one last month out before the snow hits and I am less inclined to head outside.

ONE MORE MONTH OF FREEDOM! (read: shopping….)

I’ll be spending more time inside, so I think I might do more cleaning and monitoring of my current stock portfolio.

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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. Cindy

    Wow. I follow your blog on bloglovin and I’m inspired and impressed by you. I thought i was pretty serious about my dough but you make me want to start getting aggressive about my net worth. Have you ever been a mentor or would you consider mentoring me? Let me know

    1. save. spend. splurge.

      Cindy, I could certainly mentor you. You might want to check out: The Budgeting Tool I used to get out of debt and grow my net worth.

  2. s

    way to go with staying within your budget. i’m really bad about impulse purchases (although now i have planned splurges — such as starbucks, etc — so that it’s not as big of a problem). and congrats on your little one (i think i missed that earlier)!

    1. save. spend. splurge.

      @s: I had no budget. Seriously 🙂

  3. LAL

    Where are you going to live once the baby comes? Are you renting a studio and will still be in a studio? How will that affect costs if you get something bigger?

    1. save. spend. splurge.

      @LAL: We’ll still be in a studio. Maybe we’ll go into a 1-bedroom but we’re not rushing into anything.

  4. Tania

    I remove pockets from pants too, especially chinos, all that bulk doesn’t look too flattering.

    I really enjoyed your guest posts (blogger interview/maximalist & minimalist). I actually know I won’t be moving for some time so I do have a lot of furniture but I do think as I continue to reduce my possessions I will find I have way more storage space than I need (maybe about a year from now). I’m also very glad you returned to blogging. I could tell it was a different writer after you sold and I could tell this was you immediately after I stumbled here.

    One thing that struck me when reviewing your monthly expenditures is the lack of impulse small random purchases (i.e. grooming, reading, etc.). Those do add up and I’m trying to rein my in, I actually track how many $0 spending days I have now. You do make some big purchases that are more investment and satisfying than the random everyday impulse little items.

    1. save. spend. splurge.

      @Tania: Thank you 🙂 (re: comment about my guest posts).

      I definitely don’t spend on reading any longer because ebooks are free from the public library. Once my Swagbucks ran out, I stopped “buying” books from Amazon.

      I don’t really groom.. and I used to spend on makeup and beauty stuff but it has gone down since I became pregnant (am being cautious with lotions and potions).

      I do spend big amounts of money but it’s after agonizing…

  5. Jane Savers @ Solving The Money Puzzle

    “Bought their bed”? Their bed? Did I miss a big announcement?

    How will you preserve your wealth when you aren’t going to working so much? Are you going to declare $200,000 of your net worth off limits and never touch it and live off of what you can earn? Or, do you think you will start to live off of what you have built during your time of being home with the baby?

    Would you consider letting your boyfriend support you during your maternity period?

    1. save. spend. splurge.

      @Jane Savers @ Solving The Money Puzzle: Er.. yes. I have bought a bed for the baby. 🙂 It’s a Japanese futon.

      I am not going to be preserving my wealth when I am not working so much, it’s impossible. I’ll just try and stem the flow of money going out but I’m not stressing out about it. There are plenty of jobs if things ever get dire. I’ll just live off what I built being at home with the baby.

      No. I do not want him to support me. We are still 50/50 and I have plenty on my own to pay for my half.

      1. Sara

        I THINK Jane’s first question was regarding your use of a plural pronoun to refer to the offspring. Definitely had the same thought myself!

        1. save. spend. splurge.


          No. No twins. Just one 🙂 I just didn’t want to call the baby “It”.

        2. Jane Savers @ Solving The Money Puzzle

          @Sara: I was thinking twins.

  6. moneystepper

    Good work, it must be nice to get that graph moving in the right direction again!

    1. save. spend. splurge.

      @moneystepper: I actually didn’t do anything to make it tick up.. if anything I made it tick DOWN with my shopping 🙂

  7. Liquid

    Great job! Looks like your wealth is still going in the right direction despite you not actively doing contract work. It’s nice you’ve built up a cushy emergency fund in advance. I think anyone who had a lot of stocks did well last month 🙂 Alcohol “For cooking.” yeah, sure…. 😉 😉

    1. save. spend. splurge.

      @Liquid: Well I’m pregnant, so the alcohol can’t be for drinking. 🙂

      I don’t like drinking anyway, so it’s not a big loss for me.


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