In Life

What’s happening in the world of Mochi & Macarons

“Money is a language for translating the work of the farmer into the work of the barber, doctor, engineer, or plumber . . . Money is the store of other people’s time and effort.”

– Marshall McLuhan

Very true.


My flights are starting to rack up. I’m looking at about 10,000 miles a month so far. I hope I’ll reach some sort of status soon! 🙂

Same with hotel points. I’m saving up as much as possible for my upcoming vacation — I’d ideally like to pay for nothing for this trip.


Whether I am in NYC or when I travel to other cities for work, I am on the same schedule, regardless of where I am.

  • Wake up.
  • Go to work.
  • Work late.
  • Get out late.
  • Hunt down some dinner.
  • Sleep.

People think I have time to be a tourist at night, but you are damn tired and you have to get up early the next day, so you hunt down some moisturizer if you ran out and you eat your dinner in your hotel room.

It’s only fun if you get to stay the weekend and if you’re in a great city, but many companies won’t pay for that.



Even with BF paying half, my rent is $1500/month.

I feel sick.

I only feel better about the fact that for most of the week, I don’t pay for my food, so at least I’m saving there…. even if I am paying for a room in another city in the meantime.

I need to get this down ASAP, but being in a new country is hard at the start.

Still working on getting that U.S. credit card.

I am also pondering NOT buying that leather jacket, just because it’s a really, REALLY big chunk of change ($600~), and it’s not a necessity. Plus it adds bulk to my wardrobe/suitcases.


A very nice customer service rep upgraded me to Gold Level Starbucks.

Now every 15 drinks I buy, I get a free one. Sweet!


I’ve started becoming a lot more ruthless in getting rid of things.

Anything is subject to being scrutinized to be downsized when I come across it.

I got rid of another half a carryon’s worth of stuff. I still feel like I have too much.

I need more time on these weekends to go through my bags, over and over again until they get smaller.

Books I’ve written

Use the investing tool to keep track of your investments and the budgeting tool to keep track of your expenses

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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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Previous PostMarch 2012 Budget Roundup = -($19,940.96) or 9.61%
Next PostWhat do Americans buy and where does the money go?


  1. B. (Below Her Means)

    I thought you swore off Starbucks? I know what you mean about how tiring work travel is.

    1. Mochi & Macarons

      I swore off Starbucks in Canada…… 🙂

      I am in the US now

  2. Revanche

    I found the same working abroad and I don’t even work with an hourly consideration; there was so much to do that I was far too tired to be a tourist at night.

    1. Mochi & Macarons

      Exactly. It isn’t all fun and games at work especially on a compressed workweek of 10 hours a day!!


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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.

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