In Budget Roundups

September 2013 Budget Roundup = $208,279.19 a decrease of ($14.31) or 0.01%!



A mother disowned her son for being gay, so his grandfather wrote her a letter.


Following in the footsteps of J Money, I started a baby cost tracking page, for anyone who is interested.

When I am done going through their first year or even before, I will make a list of what I ACTUALLY bought (and why) off the huge lists we compiled from online resources about what you SHOULD buy for your baby, which apparently is everything and the kitchen sink.



YEP. I can be in the middle of writing an email, a post, trying to submit something from a long and drawn out form on the internet, and then BAM! I get this stupid effing message.

It comes right at the worse times too, when I am about to hit “Submit”, or “Publish”.

#$*&@!%*(#&%*(#!&%*(#! BELL CANADA SUCKS

INCOME = $561.76

EXPENSES = $3602.20

Baby stuff was the key to this month’s spending, but the biggest expenses were in Wardrobe .

Save-Spend-Splurge-Budgeting-Roundup-September-2013-Expenses Save-Spend-Splurge-Budgeting-Roundup-September-2013-Pie-Chart





I bought and returned an expensive $300 coat this month. I was about to keep it until I realized I was fussing with it too much when I put it on, rather than it being a simple piece!


Some of it maternity wear, a good $500 chunk of it was this awesome sweater by Vince…

Wait until you see my spending post.


Bought myself (after years of hemming and hawing), a Canada Goose Jacket to see me through the winter. I hate the coyote fur ruff and there was NO OPTION to NOT buy it as it would go to waste, but .. it’s there.

NET WORTH = $208,279.19

Didn’t go down very much this month because my stocks buoyed me, even though I spent over $3000 in cold hard cash.




Oh May 2013.. what a lovely time that was.



One. Arabic words you will find used in French — I only knew of kif-kif and babouches, but it’s nice having the opportunity to learn the others as well!

Two. Side Hustle: Become a brand ambassador for $15 – 20/hour — FINALLY. A side hustle that doesn’t tell me to babysit, go pick up a minimum wage job, blog for money or sell my writing skills for money.

Three. How I made over $50,000 as a DJ — From Make Money Your Way, a guest post on how a passion turned into a lucrative side hustle.

Four. Top 4 kinds of harmful bacteria found in makeup — This is why I am loathe to try anything in Sephora because I just know how filthy that makeup is.


Five. Since when did I become rich? — You’re rich when you are able to choose to say no to luxuries, knowing that you do not need to take on any debt to obtain those desires. You are also rich if you have a lot of time (have been working less than 50% of my career), no debt, modest savings and are on the path to having enough for a comfortable retirement. (*raises hand*)

Six. If you want to make easy money, do something hard — Couldn’t agree more. It wasn’t easy to get into my school, my degree and my profession, let alone to deal with the learning curve I had to endure for the first 3 years working like a dog, but it is now all worth it because it seems easy now.

Seven. How to recognize famous painters from just about any painting. — Surprisingly accurate but also funny to boot, Degas really did enjoy painting ballerinas all the time. They forgot to mention that if it looks dreamy and floral with waterlilies, it’s Monet. 🙂


Eight. How not to save money. Excellent post full of anecdotes of how far some people will go to save money. I had no idea this stuff happened in Target! Fascinating.

Nine. Employment Insurance is not severance pay it’s welfare. Yep. It’s welfare, not severance pay. Canada gives you 2 weeks of severance pay by law, and then you’re on your own to find another full-time job.

Ten. Please blow some money. This is very much in line with my post from earlier this month, entitled: Should we all live like we’re poor?


Rockstar Finance (such a great idea!) run by J$ featured my article on whether or not we should all live like we’re poor.

DQYDJ (Don’t Quit your Dayjob) liked my old post on why I think 95% of PF blogs are utter crap.

Jane over at My Money Puzzle reminds me of how lucky I am to be able to goof off in Europe (actually the whole year) doing jack squat, while not being in debt and having a pretty solid net worth.

Jane, if it is any consolation, I am still looking for that rich old geezer for you to marry before he kicks the bucket.

I will also write more about my parents but they’ve annoyed me lately with their spending, so it might be ranting not sweet writing.

The Shop My Closet Project liked my post on Filial Piety 101 and very generously paid for her mother when they were in NYC. Something I could see doing for my mother but not my father.

Stacking Pennies did a fabulous post, in response to my own post: What does success mean to you?, and lays it out very nicely (far better than I could have). I agree with her points.

Maria from Principled Money liked my post on why you should think twice about buying a sweatshop, something I feel strongly about, although I am partial to avoiding China 100% over other countries due to their unscrupulous practices against their own citizens.

Cassie of Tales from the TrenchesMaria from Moneyed Principle  and Shop my closet also really kindly linked to my biggest announcement post (hint:… BABY!!!). Cassie also linked to my tearjerking commercial about Giving being the best form of Communication.

My 2 Ringgit’s Worth enjoyed my post on finding out what kind of investor you are, and thinks she’s passive but I think she’s more moderate than anything 🙂 Index funds are moderately passive!

Eemusings featured my post on whether or not we should all live like we’re poor in her roundup.

Red-Debted Stepchild (Erin, a hilarious blogger) featured my post on what the one thing would be that would make you feel rich in her roundup.


I am not going out this month in October. I truly need to stay in and stop spending so much money, and that’s what I am going to damn well do.

Also, I still have more baby stuff to buy.. the big things like car seat and stroller, but I’m waiting to see if there could possibly be a sale.

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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. Tania

    I’m curious to see your approach to babydom. There are some cat fights on apartment therapy’s site over the what is really necessary for a baby debate. Part of it is purely cultural differences (i.e. Americans feel having a bath tub is completely necessary with a kid while many Europeans disagree). A changing table is another hotly debated item. (the American viewpoint of our way is the only way is the reason I can’t really make it through episodes of House Hunters International without muting the sound, to see expat couples keep insisting on a huge kitchen and a bath tub in the midst of small European or Japan apartments where that stuff is rare or non-existent drives me crazy). My friend is what I’d call a minimal mom and she didn’t have most of the items that everyone else buys when they’re expecting (she just had her second child). It started with circumstances due to unemployment and small space living but then she realized she was just fine without all that extra furniture and gear.

    So, I’m really curious to see your minimal approach and also because you are in Canada as I find the different viewpoints interesting (even though no babies for me).

    Thanks for the interesting links, as always.

    1. Tania

      @Tania: One more thing, you might find some of the discussion on interesting although it’s US based. They talk about a lot of the chemicals in products/furniture that get into the air that are bad for us but particularly children. I heard the founder speak in a podcast and it was very interesting.

      1. save. spend. splurge.

        I’ll go to the site. I am already avoiding things like candles, air fresheners and so on, but it doesn’t hurt to re-read all the info!

    2. save. spend. splurge.

      Bathtub — not as important. I am going to put them on a non-skid towel and wipe them down with a wet, warm cloth for the first few months of their newborn life. Then they can sit in whatever tub we have at home, or in the sink, with a towel for their butts. I don’t want to buy a fancy bathtub and only have the baby use it for 3 months. That’s just insane.

      Changing tables are also not a necessity for me. Again, a towel, and a little rounded padded table to change them on, should do the trick.

      Also, my baby tracker sort of talks about that if you’re interested in it.

      I also don’t plan on buying a crib either. A futon is the way we’re going.

  2. Lisa E. @ Lisa Vs. The Loans

    Good luck on not going out this month!

    1. save. spend. splurge.

      Yeah, tell me about it 😀

  3. J$

    Thanks for the love 🙂 And congrats on hitting your $500 extra every month – that’s hot!

  4. Erin @ Red Debted Stepchild

    I’m so looking forward to your shopping post for the month :). Sounds like you got some great stuff!

    One thing I don’t completely understand is where you get your spending money from? I’m assuming your checking account, but do you replenish your checking account with e-fund cash? Just curious!

    1. save. spend. splurge.

      Yes! My chequing account holds about $1000 at any given time. I clear everything through there (PC Financial), and then top up with $500 increments from my ING direct e-fund as I see fit. If I hold too much money in my chequing account (e.g. BF pays me back), then I transfer out the money to ING until I need it.

  5. Michelle

    I cannot believe how expensive babies are! I’m starting to save now. Btw, I really love babies and they really love me. I’m serious. Anna from And Then We Saved did a list of things she has purchased and I wanted to pass out reading it. Btw, your post on Filial Piety is the only post that I’ve read about family that totally reflects the way that I believe I should spoil my mom 🙂

    1. save. spend. splurge.

      Haha, I’m glad the Filial Piety post hit home for you. 🙂 Your mom is lucky to have such a great daughter.

      Babies ARE expensive.. but I am hoping they don’t have to cost as much as what people think.

  6. Jane Savers @ Solving The Money Puzzle

    I would be happy with a kind of old guy with money to marry. I would cook him steak with a side of fried potatoes smothered in gravy and butter every single night and bacon and eggs fried in butter every single morning.

    Please don’t purchase a used car seat or crib. There are always safety recalls in these sorts of things and you could be buying something that is not the safest most up to date model. You can skip most of the baby stuff on the market that people seem to think they need. Just buy a good crib, a good car seat and a good stroller and nothing else is terribly important.

    1. save. spend. splurge.

      Oh yeah, planning an early heart attack are we? 🙂

      Re: car seat / crib — I never even thought about that. You’re right. Thank you! I wasn’t planning on spending thousands anyway on these things, the cost is about $400 at the end for car seat and stroller.

  7. AdinaJ

    Ahh, baby stuff!! Prepare to open your wallet wide, lol!

    $500 on one sweater – this i have to see 😀 I love your shopping posts! I hope you found a maxi dress or two for later on in your pregnancy, it’s all I wore towards the end.

    1. save. spend. splurge.

      During winter it’s going to be tough to be in a maxi dress 😐

  8. Heather

    Thanks for the mention! I too had no idea these things happened until I started working in retail…have a great weekend!

  9. Liquid

    $1728 on clothes isn’t too bad. It was a special month anyway because it’s not often you get to buy maternity clothes.
    Way to support Canadian manufacturing 🙂 I always feel good when I buy Roots because I know they make everything here. I want to buy a Canada Goose jacket now too 😀 Maybe I’ll check out the local Hold Renfrew 😉

    1. save. spend. splurge.

      Er.. I spend that almost every month now it seems so .. 🙂 Thank you for the encouragement but…. *digs toe into ground*

  10. Cassie

    Thanks for the mention 🙂 I’m curious which Canada Goose jacket you bought, but I suppose I can sit tight and wait until your shopping post. I love mine 😀 Fingers crossed you’ll be able to wear it the entire way through your pregnancy.

    1. save. spend. splurge.

      Trillum 🙂

      Which one did you get?

      (I don’t think I can wear it through my pregnancy but I said I’d just wrap some cashmere around the bump)

      1. Cassie

        @save. spend. splurge.: I have the Kensington parka in red 🙂

  11. Dear Debt

    Thanks for the link love! Sounds like you got some good clothing and lots of baby goodies. So excited about the baby tracker! I am also going out less this month. Been good the past three days, hopefully it can continue on in the weekend.

  12. Pauline

    Thank you for the mention! The goose duvet sounds heavenly, also a bit warm in this sunny Moroccan day. Are you buying everything new for the baby? Car seats and strollers can be pretty cheap second hand.

    1. save. spend. splurge.

      I would like to buy stuff secondhand, but we can’t find the strollers / car seats we want in the style we want secondhand. 😐 We’re picking the kind of odd styles, and not the fancy ones…


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