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Sherry’s Ramblings for the Week


Sometimes, it is all I want.

A photo posted by Sherry @ Save. Spend. Splurge. (@saverspender) on


All that spending for a new house!

Appliances, closets, paint, … goodness. What a money suck. None of it goes back into my net worth of course, because I am only taking the municipal assessment as my net worth marker just as a way to say: Yeah it’s worth this much, apparently.

Your house is really only worth what it can sell for on the market, like any other investment.

Even if the city says it is worth more, it really isn’t if it isn’t as desirable as other comparables on the market because if you want to sell, you’re going to sell it at MARKET PRICE.



I was sobbing a bit when I liquidated my holdings to pay for my condo in cash, but when I checked my stock prices today, it turns out I sold it at the peak of the last few months.

I didn’t mean to, I was kind of mad the stocks boosted up the day after I sold, but now one of them has dropped back down again and the other ones I had refused to sell, have gone up.


I have friends who are about to give birth and my best piece of advice to them is:

Lots of stuff to do with one at home? LEAVE IT.


Dirty house, dirty dishes, food not cooked.. LEAVE IT AND NAP.

You’ll get around to it sooner or later.

Nap when your newborn naps, get in all the sleep you can get and need to function because if you kill yourself trying to stay awake and do it all 24/7, you will go insane.

How do I know this? I have done it. That’s how I know.

Make people bring over homemade food to eat, and feel free to pass out and snore while they troll through Buzzfeed and read articles out to you in a soothing bedtime lullaby.

Forget about vacuuming, cleaning, cooking, or doing anything with a newborn.

Just SLEEP. You need it and it is good for the whole household.

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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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Sherry’s Ramblings for the Week

Posted on October 7, 2016

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  1. Finance Solver

    I love the meme, I think I’m going to share it with my friends later on :p Also, great job the stock selling! Selling at the top is hard and everyone has to be given the fortune to sell at least once in their lives right?


      I hope my luck never changes in that regard 🙂

  2. raluca

    “Make people bring over homemade food to eat, and feel free to pass out and snore while they troll through Buzzfeed and read articles out to you in a soothing bedtime lullaby.”
    Can I still do that without having a baby? Because it sounds quite the lush life :P.


      Hahahaha! If you haven’t gone through the stress and pain of a new born waking you up every 2 hours or less then … No 🙂 … You have to appreciate it!


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Save. Spend. Splurge.
[ wealth. style. minimalism. ]


MOST DEBT: cleared $60K in 18 months

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