In Budgeting, Discussions, For Beginners, Money

Saving is never going to be as sexy as shopping


Saving is never going to be as sexy as shopping.

There is no other way to say it.


From the most perfect knee high cognac boots to a big screen television, we spend HOURS talking about and researching what to buy.

Do we do the same thing with money, budgeting & saving?


Heck even I don’t do it. But then again, I have my investing strategy down pat, and I budget a little bit every day.



We think investing is some mysterious black box.

Words like: “index funds”, “ETFs”, “MER”… all throw us all for a loop the first time around but once we learn what it really means, it’s not that scary after all.


Everyone starts somewhere (at the bottom, naturally) before learning.

How did you learn how to read?

To spell?

To tie your shoes?

Add numbers?

… investing is the same thing.

It’s a skill and a knowledge base you have to develop before you can reasonably understand what people are talking about.


There is a steep learning curve and then it’s done.

I spend about 10 – 15 hours A YEAR on my actual, personal finances, aside from creating posts like this on money or other personal finance-related things that are blog-related.

If I just look at what time I spend on budgeting and investing, it’s about 10 – 15 hours a year.

You can’t beat that.

Share Tweet Pin It +1

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.

You may also like

Previous PostWhat should my net worth be in Canada?
Next PostA Week of Money: Where I spend over $3000 in a span of 2 days

No Comments

Leave a Reply

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.

$35 The Wealth Building Tool

Like a Boss Library (Sherry’s Books)

Referral Codes

Free Money Surveys
[ Use this link ]

[ saverspender ]

Shopping Cashback
[ Use this link ]

Clothing Resale


Private Lending
[ 7b03f0 ]

No-Fee Banking
[ 32726976S1 ]

Discount Brokerage
[ o0soehds ]

Social media scheduler
[ saverspender ]

Blog Ad Network
[ Use this link ]


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.

In English: If you click on a link, I could get a small commission, typically a few cents. And if you use a referral code, I could get anywhere from $10 – $70 for it. Thank you for your kind support!

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.