In Budget Roundups, Money

September 2017 Budget Roundup


This month, I tried. Believe me. I tried very hard to stay under…. and then it all just went to #%&)@….

I cancelled facials, I returned clothing left and right, I avoided tempting food trucks, restaurants and tempting bakeries, but I still couldn’t keep it locked down.

Part of the reason is that I have decided in lieu of adding clothing to my wardrobe I do not need to refresh (e.g. not underwear, bras, etc), I will spend the money on my skin and health instead.

And then I gave up, signed up for a yoga pass, needed weekly yoga gear to avoid doing laundry so often (#Justification, amirite?), and you know.. it snowballed into shopping online, blabeddy-bla-bla….

In general:

  • Yoga – $100 commitment monthly (also, comes with yogawear requirements of course *whistles innocently*)
  • Facials – $130 commitment monthly No longer doing this. My skin was ruined.
  • Non-invasive or surgical skincare treatments – namely, Intense Pulsed Lasers (IPL) this year. I spent $700 buying 6 sessions to be a guinea pig and see whether IPL actually works to get your skin to look more even-toned, less pigmented, etc. We shall see. If this is good, I’ll add it to my yearly budget as part of skincare.
  • Supplements – I already take BioSilย (skin, hair, nails, my hair is 25% thicker / bouncier versus photos of my hair last year), Fermented Cod Liverย (Omega 3, Vitamin A, Vitamin D, and for probiotics), and will be adding Vitamin C & E (they work best together), and some B12 for energy (my mom has been pushing this one on me lately).

So in lieu of clothing, shoes, and accessories… SKINCARE! ๐Ÿ™‚

My goal is to go without foundation 100%. A little undereye concealer, eyes and whatever, okay, but if I can just slap on some sunscreen and call it a day, I will stop using foundation altogether.


But at least my accessories are on point..

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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. Mia

    The difference is that for us, childcare/preschool is 1,600 to 1,700 a month–for one child!

    1. Sherry of Save. Spend. Splurge.

      I know, that’s the norm for a lot of families. We are lucky here.. although in my budget I am only paying half. My partner covers the other 1/2.

  2. Shawn

    How do you add the extra categories to your Budgeting Tool? I have one & would like to add more categories like you. Do I just right chick and insert like any other Excel doc? Thanks so much!

  3. Livingalmostlarge

    How long is your contract for?

  4. Kandice Bridges

    Did you know there is a Facebook Group for selling/thrifting Lulu? I bought a few things for my daughter and the transaction was easy peasy.

    1. Sherry of Save. Spend. Splurge.

      I wish I knew that beforehand ๐Ÿ˜›

  5. Revanche @ A Gai Shan Life

    I did not know you spent that much on grooming, yoga, and spa this month! Tsk ๐Ÿ˜‰ Do you find the yoga helps with your stress? Do you think you need to try and bring down the stress level wherever it’s coming from that’s driving you to spend? I’m not judging, I have that same feeling Right Now.

    I just bought a pair of jeans to try on but really I just want to live in comfortable leggings like thick yoga pants. Only if they have pockets, though that’s the real drawback. Our net worth is only just starting to recover with little gasping sobs, I can’t wait to come up with more ways to earn and make up for This Lost Year of savings!!

    1. Sherry of Save. Spend. Splurge.

      I was very, very bad.

      Yoga gear = over $800 for sure
      IPL treatments (6) = $700

      It adds up ๐Ÿ™

      Yoga VERY much helps with my stress. I AM SO excited to go to yoga now, and I managed to do the Crow today so my stress has come down, and my shopping has tapered off (I have my moments)…

      Try Zella leggings, they’re super thick and high waisted. Apparently v. comfy. As for having pockets, then you need to shell out for the cute stuff with zippers…

  6. Yet Another PF Blog

    I splurged on Lululemon leggings last month. The range of motion makes such a difference when I exercise, totally worth it.

    1. Sherry of Save. Spend. Splurge.

      ‘kay, so I don’t feel so bad then. ๐Ÿ™‚ I ABSOLUTELY splurged on LL.. but insanely splurged, and now I have all the outfits I need.

  7. Mrs. Escape to MI

    $19K up is not a bad month at all! Lululemon is a rabbit hole weโ€™ve probably all gone down at some point. ๐Ÿ˜‰

    With regards to dropping foundation, I highly recommend Revision Intellishade Matte SPF45 tinted moisturizer. I get it through my dermatologist here in the US. Itโ€™s incredible for light coverage and great sunscreen. Iโ€™m not sure if itโ€™s available in Canada but there must be something similar. Sunscreen + foundation was always too much for me.

    1. Sherry of Save. Spend. Splurge.

      I will take a look — I am on a mix of BareMinerals Complexion Rescue + Dermablend and so far it is working out well!


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