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Tag Archives: 2012
2012 Year in Review: What I bought and read
What kind of spending blog would this be if I didn’t also review what I bought in 2012?
(Okay this is just for me and you voyeurs out there.)
(I didn’t start recording this stuff until February 2012, so there’s no January 2012 unfortunately.)
Let’s start with the books!
MOST NOTABLE BOOKS OF 2012
In an effort to read more, I am going to read at least one of my purchased books per month in 2013 and give a short “yay” or “nay” to read it or not.
Only these books stood out in my mind as I went through my library of what I’ve read in 2012.
Consistently awesome author for 2012: Malcolm Gladwell
What the Dog Saw: And Other Adventures
Every Malcolm Gladwell book I read, I love. Learning about how I and others think, looking at how he puts the whole picture together is a real treat for me.
He has a real style and knack of writing (or a fabulous editor!), and I will pretty much buy anything he writes.
Malcolm Gladwell‘s other books:
- Outliers: The Story of Success
- The Tipping Point: How Little Things Can Make a Big Difference
- Blink: The Power of Thinking Without Thinking
The most influential book for me for 2012
Priceless: The Myth of Fair Value (and How to Take Advantage of It)
Took me 3 hours to read, and it was worth every penny I paid. I made a lot of bookmarks, and will be reading it again and again.
It is also an excellent book to help me CURB MY SHOPPING for 2013.
It kind of disgusts you as you read it when you think about all the marketing ploys and tricks being used and how it worked on you, but once you know the game, you can avoid all those pitfalls (presumably).
Most interesting twist on a classic character (kind of like fan fiction!)
The House of Silk: A Sherlock Holmes Novel
I LOVE detective stories, shows, and crime-anything, so it goes without saying that BBC’s Sherlock TV series with Benedict Cumberbatch, the new Elementary TV series with Lucy Liu… and basically anything to do with Sherlock Holmes as a character grabs my attention.
This book was written in the style of Sir Conan Doyle by the author Anthony Horowitz, and is a “new” book in the series of Sherlock Holmes, and it pays homage to both the original author and the character quite nicely.
Most insufferably long book, and yet also my proudest book accomplishment
The Complete Memoirs of Casanova (Unexpurgated Edition) (Halcyon Classics)
For $1.99, how can you say no? On my iPad on the Kindle app, this book was no less than 45,835 page turns.
Let that sink in… 45,835 PAGES to read. It took me about a month and a half, because I couldn’t read about his philandering for more than 50 pages at any given time.
Overall, it was still interesting to read because I am a bit of a history buff, and I especially like reading about how people acted in those days, what the customs were, and all their rules for living.
I was rather annoyed a few times with Casanova as a PF blogger because he was just so bloody wasteful with his money, spending it on seducing women left and right even up until a past-expiration date.
(That said, women didn’t have much choice but to offer in those days other than their beauty, body and virginity to get any kind of money to survive, so in a way, he was doing them a favour to help them survive.)
The man met almost all the heads of Europe at the time, hung out with all of these rich and high-society folk, was generous to a fault, and didn’t seem to work very much. I can’t even figure out what his job was, other than ‘traveling playboy’.
Would I read it again? No. Dear god NO.
Do I regret that I read it? No. I learned a lot and had a better feel for how things were back then.
On to what I bought!
FEBRUARY 2012 WHAT I BOUGHT
MARCH 2012 WHAT I BOUGHT
APRIL 2012 WHAT I BOUGHT
MAY 2012 WHAT I BOUGHT
JUNE 2012 WHAT I BOUGHT
JULY 2012 WHAT I BOUGHT
AUGUST 2012 WHAT I BOUGHT
SEPTEMBER 2012 WHAT I BOUGHT
OCTOBER 2012 WHAT I BOUGHT
NOVEMBER 2012 WHAT I BOUGHT
DECEMBER 2012 WHAT I BOUGHT
Posted in Shopping, Style & Beauty
Also tagged What I bought, What I read, Year of Spending
8 Comments
December 2012: What I Bought
Savers, avert your eyes!!!!!!
I spent a LOT this month even by my standards, but 50% of it was spent on were classic items I had been looking for and missing in my wardrobe, so I feel good.
A lot of it was because of the Boxing Day sales too, or thrifted.
I think I may save my money up for shopping in June or in December, when the sales are on, it really is worth it to wait for Boxing Day.

FINAL CLOTHING COUNT FOR DECEMBER OF WHAT I KEPT:

- 2 dresses
- 2 pairs of pants
- 2 blazers
- 5 long-sleeved silk shirts
- 2 shell tops in silk
- 1 pair of leather boots (short)
- 1 pair of shearling gloves (damn they’re warm)
Yikes? It’s practically a whole new wardrobe.
I
CLOTHING COUNT OF WHAT I RETURNED:

- 1 blazer
- 1 sweater
- 2 pairs of pants
- 3 pairs of leggings
I’m quite pleased with my returns as well.
Let’s start with the few things I did NOT pay for… (ha. ha… HA!!!)
FREE SWAGBUCKS E-BOOKS FROM AMAZON.COM FOR MY KINDLE
I get free e-books bought with Amazon gift cards by using Swagbucks — referral link here.

- The Antidote: Happiness for People Who Can’t Stand Positive Thinking (recommended by Single Mom, Rich Mom who posted a few hilarious excerpts from the author)
- Subliminal: How Your Unconscious Mind Rules Your Behavior (I have a slight obsession with psychology and human behaviour)
- Good to Great: Why Some Companies Make the Leap… and Others Don’t (A great “how rich people think” book with specific examples)
- All Marketers Are Liars: The Underground Classic That Explains How Marketing Really Works–and Why Authenticity Is the Best Marketing of All (Seth Godin!)
Some of you may be wondering why I buy e-books and not the real thing, especially since Amazon can simply just delete it from my Kindle.
The trick is to Google how to save those ebooks in another format other than the (.azw) Amazon format, and convert it into .epub format or PDF.
My philosophy is I paid good money for those books, and I should be allowed to keep them.
I don’t share them with anyone, nor do I lend them out, but I also want to back them up and own them, rather than put them on some cloud.
…Okay, now the paying and spaving begins!
SHOPPERS DRUG MART 20X POINTS DAY
These are the only days where it is a great deal.
I generally avoid Shoppers until their 20X points days to stock up on things, unless I can find something for 50% off or if I desperately, truly, need something and can’t wait (medication falls into this category, as it doesn’t get points anyway).
I spent about $199.11 stocking up on Korres White Tea Fluid Cleansing Gel, Gillette Mach 3 Turbo blades (men’s razors work better and last longer), and vitamins I need to keep taking (omega 3 pills).

With the points that I received in return for the 20X points days, it is the equivalent of my spending $3490 at Shoppers to get the same amount of 34,900 points, or about 17.53 times over what I actually spent.
Factoring in that there’s a 15% inflation on all their prices, and not all Shoppers stores ascribe to the same pricing strategies (usually off by $0.50 or $1 here and there), it is still an excellent time to buy what you need and use on a regular basis — your staples.
It isn’t an excuse to go and spave on useless, unnecessary items.
The best deal is at the highest tier of their rewards level, so wait until all your points are accumulated on 20X days before redeeming any.
DAVID’S TEA STOCK UPS = $120
So apparently they don’t keep ALL the teas in-store, so I had to order online.

I bought the following:
- Banana Nut Bread
- Brazillionaire
- Vanilla Orchid — love!
- Tropicalia (normally a Summer tea but it sounds delicious)
- Sleigh Ride — trying for the first time
- Stormy Night — first try
- Snow Bunny — first try
- Pineapple Oolong — fresh and delicious
I’m set for at least until June 2013.
I drink about 3 cups of tea a day, two in the morning/afternoon and one at night.
I was afraid of them running out of Banana Nut Bread (a very real possibility), and since it’s my favourite tisane I drink nightly (which means non-caffeinated, herbal “tea”), I had to stock up, and bought the largest 500g bag they had (that is like 5 tins of that stuff).
BUTTER AVENUE MACARONS – 3467 AVENUE ST, TORONTO ON – $13.50 for 6 macarons or $2.25 each

My verdict? Meh.
Still better made than most macaron places, but they were a bit dry, a bit chewy rather than cake-y, and felt old, but not as crumbly or as bad as Nadege, or nowhere as bad as Moroco (THE worst place to eat macarons).
They mostly had buttercream for the middles instead of a true ganache, which ruined the experience for me.
I hate, HATE HAAAATE buttercream in macarons. No extra flavour added and it’s a waste of a perfectly good macaron shell.
I ate the fruit ones and raspberry and cassis were my favourites. Lemon was kind of like eating sugary dish soap.
23 AND ME DNA MAPPING TEST — $160 (shipping included)

I’m curious, what can I say? Oh and if you’re of African descent, I think you might be able to score it for free.
Goes without saying that you have to also be a believer in evolution to accept these findings
On sale for $99 each test, and about $60 for international shipping to Canada and back, I’m willing to spend $160 to take a bite and see how my DNA scores.
I don’t really know most of my extended family even though I know that altogether, I’d have about 30 aunts and uncles, but I only know about 7 of them, and I don’t know one whole branch of my family because…… well it’s complicated.
With that said, I don’t know anything about my history other than what my parents have as maladies, and I like being prepared.
For instance, I know we have a propensity to diabetes (Type 2), so I’ve started cutting back on sugar in everything I eat and drink on a daily basis.
For treats, I allow myself to eat sugar once in a while, but I don’t do it the way I used to as a kid — my after school snack was white sugar sprinkled on butter spread on white bread… seriously.
I would like to know what other things I have a propensity towards so I can look out for any symptoms or signs, instead of waving it off due to being fatigued or something.
Secretly.. it would also be nice to see if I can find some long-lost cousins, aunts and/or uncles.
I know it’s silly because I haven’t known them my whole life, so why should I care.. but I’ve always felt like a part of my world has been missing.
It’s a long shot but I’d like to try, especially just for $160.
LE CREUSET COOKING STUFF — $400 turned into $600
We got a lot of cooking stuff this month (the deals were great, around 25% off everything!)
And by “I”, I mean “We”, and by “We” I mean BF.
He loves to cook, I love to eat… I am not about to disturb that chi.
What’s not pictured below is some really fancy French-made, amazing, glazed, wonderful pots made for rustic French dishes, but are not on the Williams Sonoma website.
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Mmmmmmm I smell delicious French food starting…
Update: We made homemade foie gras, and oxtail curry stew, and it was magnificent!
1 SAMPLE OF A KAIA BAMBOO BIODEGRADABLE MAKEUP WIPES – $1.45
Bamboo makeup facial wipes from Kaia that looked, smelled and sounded SO GOOD (although a bit dry).
I normally use Cost-Co Kirkland Brand makeup wipes for about $0.09 each ($27 bucks buys you 300 wipes), and I LOVE THEM.
They’re incredible, and everything comes out without a problem or any kind of scrubbing.
These bamboo Kaia cloths cost $1.45 each for a sample, or about $15 for 30 wipes, so the price has essentially gone up about 5.5X per wipe.
Funny-ish PF story:
Me: How much is this sample?
Girl: Ummm…. $1.45 after taxes. Wow! That’s so cheap!?
Me:……. Well it’s only ONE makeup wipe. *thinks it’s pretty expensive*
Girl: Oh I know, but just.. $1.45 is like nothing!
Me: ….Yeah……… I guess…it is…. like…nothing……if “nothing” was… $1.45…..
*fights to keep the PF-beast quiet inside of her*
*thinking silently* A month of these samples, used daily would cost $43.50, or $522 a year just on WIPES alone for your face.
$522 a YEAR. That is NOT cheap.
Anyway, I wanted to like them SO BAD because they’re bamboo, biodegradable and smell so good, even if my wallet didn’t.
I could justify buying ONE pack, and then using them sparingly (e.g. not wearing makeup daily).
Alas, they don’t clean as well.
Here’s the evidence below:
Note: I don’t think I wear a LOT of makeup like some girls. I really just wear my tinted sunscreen, dab of blush, a bit of powder to set it, some concealer here and there, and eye makeup like non-waterproof mascara and eyeliner.
I don’t cake anything on.
Looks like it cleaned everything pretty well right?
Well, for one thing, it’s WAY TOO SMALL. It was a third of the size of the Kirkland Costco Makeup Wipes.
For another, it wasn’t soaked with those “honey and vitamins” enough, and I was scrubbing an almost dry cloth over my long-lasting eye makeup, which made me feel like I was tearing my skin and eyelashes off.
Then I went over my face again with a Costco Kirkland wipe to see what else I missed:
It is faint, but you can see that even after scrubbing, it totally missed a small smear of my tinted sunscreen, as well as a few swipes of my eye makeup.
It was also a lot easier to use (more wet), so I didn’t have to scrub as hard.
I could use these, if I don’t wear mascara or eyeliner, or anything long-lasting or long wearing, but how likely is that?
*sigh*
I really wanted to like them.
Bamboo! BAMBOO!!!
2 BOXES OF KIRKLAND COST-CO MAKEUP FACIAL CLEANSING WIPES — $27
They’re usually 150 towelettes in a box each, but I picked up two full boxes because they had a mini sale — buy one, get $5 off!
They have 2 travel pack sizes of 15 towelettes each, and 4 really huge 30 pack towelettes that have a little lid instead of a stupid sticker.
These are great because:
- they’re fairly cheap (~$0.09 each)
- they really remove everything quite gently
- they’re a proper size to get everywhere
- they’re soaked in the liquid
- they don’t feel greasy at all — you can skip the facial cleanser step
- they’re textured, so they do a little exfoliation
Then Boxing Day arrived…. it’s like the Black Friday of the U.S….
I really should just wait until December to shop.
m0851 TAN SHEARLING GLOVES — $82.50
..Originally $150 but was on sale for 45% off.
I’ve been searching for a while and I can’t really find shearling gloves for less than $150, so I was pleased with these.

(These are not the exact gloves, but close enough.)
I’ve been eying these for a while, since about a year ago, but couldn’t stomach paying $150 for them. Yes, I know, they’re still cheaper than buying them from J. Crew (~$200) or UGG (~$200), but $150 is still a lot of money for gloves.
I was pleasantly surprised to find them on sale for $82.50 when I went in on Boxing Day, and when the size fit perfectly, and the colour was nice (tan), I decided to buy them.
Super warm. I have my old mittens from 5 years ago, but the Thinsulate inside is wearing thin and I’m starting to get frozen fingers because it isn’t quite cutting it any more.
SHEARLING FOR EVERYONE!
EQUIPMENT BRIGHT WHITE SILK AND REGAL BLUE CLASSIC UTILITY SHIRTS — $215.30 EACH
…at full price because I couldn’t get a deal other than EBATES CANADA
…SAME EQUIPMENT CLASSIC UTILITY SHIRT IN MULBERRY – $129.85
Originally $215.30, but for 40% off
SAVING (SOME) MONEY BY USING EBATES CANADA AND SHOPPING ONLINE
I originally but that Equipment Bright White shirt at Holt Renfrew on a whim for about $255 CAD, which turned out to be $288.15 CAD in total after taxes.
Then I went online out of curiousity and found it on Nordstrom and Saks 5th Avenue with free shipping to Canada, duties and taxes included, came out to about $9.55 LESS than what I paid at HR.
Plus there was no 40% off sale on any shirt.
O_o
Add on top of that, I get 6% limited cash back in from Ebates Canada for Saks Fifth Avenue and 1% back on my CIBC Dividend, and the resulting price tag makes my wallet slightly less suicidal.
But in reality, the Mulberry is more this muted colour because of the style of silk.
I still like it even if it isn’t as bright, and it is still a saturated jewel toned colour to be flattering (unlike that nasty Nude Pale Blush shade..)

And the regal blue was just as bright, but with that kind of silk, it ended up looking like this, so not QUITE as dark as the picture on the Equipment site, but not too far off like the Mulberry.

Here’s how it looks like in a chart with my savings for one shirt as a comparison:
It’s about $17.93 – $24.62 in savings if you use Ebates Canada or a rewards credit cards.
Of course, I’d save 100% by NOT buying anything, but… ..er… hush!!
Oh, and they both have a (smart) thing where they tell you the duties in advance so you aren’t surprised when you get the item.
This is how much I paid for everything; the shirt is cost about $234.69, which is lower than the Canadian retail price of $255 CAD (plus 13% taxes).
HEY, WHAT’S THE DEAL WITH YOU AND MILITARY SHIRTS?
I’ve been lusting after utility shirts for a long time.
My mother is the one who first got me addicted to the style and look — clean, simple, masculine-y.
Then I put them on and it was a match made in heaven for me.
Plus, look at how many ways Grasie Mercedes wore her Equipment silk shirt!
Ahem.
I already have 3 Facile Camp Shirts in an ivory, khaki green and black from Anthropologie I bought last year or so for about $88 each.
I REALLY like the Anthropologie shirts for the summer.
The material (rayon) is perfect, breezy, and light for humid summers. Plus it has more of a casual look, military gold buttons, and sleeves that are best kept at 3/4 length (I sewed them to keep them in place and to stop unfurling).
I’ve also been stalking Equipment because they’re also known to have amazing utility shirts, and totally in silk.
Therefore you may ask why would I really need a BRIGHT WHITE classic silk shirt, if I already have ivory, khaki green and black?
Trick question…. Er… I don’t really need more shirts.
But I really wanted it and I like the colour as a classic bright white button-up. It had a nice drape, flow, feeling, warmth… everything was working nicely.
I also really liked the Mulberry and Regal Blue colours.
Now it is on my perpetual Wardrobe Wish List to look out for more colours from Equipment as they look good on me.
I saw the nice nude-coloured pale peach version in a consignment shop for about 40% off, but alas, it makes me (and plenty of others) look sickly — see below for what I tried:
DIANE VON FURSTENBERG KALEY LILY CREPE ROSEBERRY SILK TOP — $200 (ON SALE)
…Original retail price was $400

It’s LOVELY.
A beautiful fuchsia colour, an interesting pattern in front but it isn’t see through, there’s a transparent cloth behind the cutouts, and it looks GREAT.
Took it in a Size 4, but the 2 fit as well, just a bit tighter around the neck, armholes and longer in length. It will look awesome with my blazers.
It feels and fits like a dream. Looks amazing alone, and under jackets.
ANTHROPOLOGIE CARTONNIER WAVED PLACKET JACKET — $178 — RETURNED
The shopping did NOT stop there because while I was waiting for a friend, I browsed Anthropologie in Yorkville *slaps hands*…
I saw this grey, wool-tweed-y kind of jacket and immediately thought:
Kind of weird on the hanger, let’s see how it looks on me.
Fell. In. Love. In. The. Store.
Let this be a lesson to all of you (and to me.. sort of…), to NEVER. EVER. just “try things on” to see if you like it or not.
Just.. avoid temptation. (Advice best said, hardly followed…)
Anyway, I love that it looked like a 3-piece suit underneath:
Anthropologie, alas.. is not online via Ebates Canada, so I am only going to get 1% back because I used my CIBC Dividends card.
Size 4, is my real size right now, and that’s the one I got that fit like a charm without feeling tight, although I will mention that I am in inverted triangle, so you may have to try a Size 2 to see if you like it better.
I had on the Size 0 before, and couldn’t really move my arms (felt like a real blazer), and it barely buttoned.
Size 2 was better for the buttons, but Size 4 was the best for my slightly larger shoulders.
UPDATE AND REVIEW ON WHY I DECIDED TO RETURN THE ANTHROPOLOGIE CARTONNIER OPEN PLACKET JACKET:
I loved it on me in-store, and even liked the idea of it, but ultimately I ended up returning it because of my body shape (inverted triangle, large broad shoulders, straight waist, very small bottom half).
- The tiny shoulder pads are noticeable enough to add bulk to my already defined shoulders
- The slight twisted bump on the shoulder pads didn’t help either
- In contrast, my much smaller bottom half looks toothpicky. Very disproportionate. Think of a body builder who only worked out his upper half, and that’s what I felt I looked like.
- I also think it’s meant for bustier girls, because the one-button is flattering, and it gaped open in the front on me when I buttoned it
- It also didn’t have a deep enough V in the front to draw attention to my waist, and in contrast, my shoulders looked huge (plus the gaping at the bust didn’t help)
I have learned my lesson from the last time. If I don’t LOVE IT, I should return it.
So instead, I picked up this Wilfred Chevalier Shrunken blazer I didn’t buy the first time around:
WILFRED PETIT CHEVALIER SHRUNKEN JACKET IN BIRCH -$198

I didn’t buy it the first time around about a year ago or so, because the original cut looked so strange on me, it was originally called the “Shrunken Chevalier” before, but the name has changed to “Petit Chevalier”.
I had put on the Shrunken Chevalier, but the lapels were too far off, almost falling off my body. I liked the textured look of the double-cloth Japanese fabric (sourced from Japan, sewn in China), and I even liked the pockets, but I felt like it was a constant battle to keep it on my body.
I tried on the Petit Chevalier recently in a 00 instead of 0, and this time I don’t know what they did, but it stayed on my body.
They must have switched up the design to make it more fitted in the shoulders, and added more fabric structure in the front and a better curved lapel.
NOW, it looks awesome on me.
Not too loose, doesn’t fall off… an instant buy. It looks exactly like the picture above on me.
Update: Should have waited for Boxing Day, I would have gotten $23 off the price, as it went for $175.
GRR! I’ll know for next time.
Extremely flattering for an inverted triangle body shape because the lapels are loose, not too structured, absolutely NO shoulder pads (thank goodness), and it hangs just right with a bit of a dip in the back like this, which looks very cool and covers the bum:

RAG & BONE SKINNY JEAN LEGGINGS IN GUNMETAL — $210

They look black here in the photo, but they’re not. It is more like this HEX web code shade, almost black: #333333 like this 
I also saw these jean leggings, made out of cotton twill instead of raw denim, and they do NOT look like tights or leggings on me because they have pockets, a zipper, and the whole belt loophole detail.
I had NOT planned on buying them (just to try them with the jacket), but I fell in love with them.
(DAMN IT. AGAIN.)
Mid-rise, super soft and almost velvety, thin, and extremely flattering for flat butts. I picked it up in a 26, but I normally wear a 27 which fit me perfectly, but the salesgirl told me to size down because they stretch.
I REALLY like them, and gunmetal is a nice colour to have for skinny pants that is not black or a dark rinse jean. A good neutral.
Update:
If I had waited for Boxing Day, I could have saved $10, but I may not have gotten the pants.
This time around, yes my size was available, but I wanted the black ones from Rag and Bone, and all they had left was a tiny 24. I’m a 26.
It’s hard to take chances on sales when you aren’t sure.
THRIFTED RICH & SKINNY BLACK MID-RISE JEANS — $80
…Original retail price was $200

Yep. Thrifted. Scored a great deal. They look almost new, still very black, and weren’t a legging (although I could have settled for the Rag and Bone same legging above but in a black as well).
$80!
I’m so thrilled that they fit so well.
I also checked the makeup of the jean, and it is 95% cotton, and only 5% lycra, which is a PERFECT fabric mix for small, flat butts (won’t flatten out and look weird).
I will need to take them into a tailor because a 27 in these pants is not a 27 in Citizens of Humanity, they’re larger.
I knew that when I tried it on, but just a little fix in the waist for $30 and I’ll have the perfect pair of black jeans for a price still well below the retail cost of around $200/jeans plus 13% tax.
THRIFTED STUART WEITZMAN NAPPA LEATHER SQUARE-TOED BOOTS — $150
…Original retail price was $495 USD

Square toe is also a departure for me. I’m used to pointy-toed things.
Size 8, they’re quite new because at a Size 8 they should fit well, but they are tight, as if they haven’t been worn very much (soles and the leather look barely scuffed). I’m going to take them into a cobbler to get them a good cleanup, but I’m quite pleased.
They’re shorter mid-calf boots which I can wear under pants for work (FINALLY!), they’re flat with only about 2″ of heel, and they look amazing with skinny pants tucked into them.
I thought about this the other day — this is my first real pair of ‘covered shoes’, otherwise all I own are ballet flats, heels or tall boots, or sandals. Nothing in between!
I can finally wear these out when it rains with socks and with pants at any time of the year, and not worry about my flats getting wet and soggy.
Update:
Wow are they new.
At a size 38, I should not be feeling any kind of pinch at all (I’m a 37), but after walking around in them for about 5 hours, I felt it. I’m going to need to shoe-stretch these suckers.
Otherwise, they look great.
Update 2:
I stretched them with a $30 contraption from Moneyworth’s Shoe Shop, and they are BEAUTIFUL now.
Well worth the money I paid! They feel like butter on my feet.
THRIFTED DIANE VON FURSTENBERG PANEL BLACK MARTA SKIRT — $79
…Original retail price was $365
A perfect classic pencil skirt fit at a size 2, is high-waisted, paneled, adds a little something to my hips.
It also won’t slide around because the waistband is not stretchy, it’s a tight no-give sort of waistband that will hold on tight to me.
I could only find a photo of the exact skirt in navy, but close enough!

And it even showed up on Gossip Girl..
I’ll give it a whirl in the Spring, but I can tell that it will not likely shift and twist around the way most pencil skirts do on my hipless body. *cough* J. Crew *cough*
THRIFTED 100% SILK DIANE VON FURSTENBERG JESSICA GINGKO PRINT WRAP DRESS — $103.99
….Original retail price was $400, on sale for $129.99 and then I got another 20% off!
The original thrift price was $129.99 and with a 20% off for pre-Boxing Day, it was just over $100!!!

I find most DVF dresses tend to not have enough fabric in the front to compensate for my larger shoulders (inverted triangle shape), and the cut is to show off cleavage (which I am not a fan of), so I take a US 4 or a US 6 instead of a US 2 which is my size.
Still going to wear a slip underneath this.
J. CREW STUFF — MAY NOT KEEP IT ALL …. AM NOT KEEPING ANYTHING EXCEPT THE ON-SALE SHIRT
..then J. Crew came along with their sexy 30% off, free shipping, and Ebates Canada was offering a whopping 6% back.
36% OFF! Time to experiment and try new things, half of which I will most likely return.
Note: Let this be a warning to all of you shoppers:
DO NOT EVER BUY ANYTHING ONLINE FROM J. CREW AND TRY TO RETURN IT IN-PERSON IN CANADA!
It was a huge hot mess.
Everything is charged in USD and you get screwed royally.
In the U.S., you can buy items and return them easily. No big deal, you even get a box to do free return shipping in.
In Canada? Forget it.
They can’t do anything right with J. Crew items for returns, and even the in-store prices are not the same as online even in CAD ($93.99 CAD as opposed to $81.99 CAD online), and I was overall quite annoyed with the whole deal.
They returned the items as USD, which made me lose out on the currency exchange (good thing I checked, it was off by $5!), and then they were all confused…. no. No way.
DEFINITELY KEEP: J. CREW BLACK AND IVORY COLOUR BLOCK SILK SHELL — $57.39
Original retail price was $82, and I got 30% off

This is the original shirt I wanted to buy on sale.
I could have bought it in-store, but it was more expensive at $93.99 instead of online at $81.99!!!
What. A. Scam.
OF COURSE I am going to buy it online!
The thing with J. Crew is if you buy anything on sale, it’s considered FINAL SALE and you cannot return it in-store.
Back to the shirt. It is loose (size 0), so the neck fits perfectly and so do the sides.
I also love that it has a black block down the middle, and it actually gives an illusion that makes it look like I’m wearing a black tank top (with all the comfort and looseness), while still being a chic, easy-to-wear top to wear over anything, and under any blazer.
Update:
I got the shirt, and I am keeping it because it is as cute as when I tried it in-store.
I made sure I ONLY bought what I had tried on and liked in-store, and the rest are just to see if they’re nice or not. If they’re not, expect all of the following to be returned..
Spoiler Alert: Yes, I returned everything J. Crew below!
J. CREW LEGGINGS IN BLACK, NAVY AND CARBON GREY — $33.25 EACH (30% off) — RETURNED
These would be great to hang around the house in.
I repeat: Great to hang around the house in and not leave the house in them.
My $10 Dynamite ones are starting to fray and turn transparent. I NEED to replace them with thicker, more opaque leggings just in case I need to answer the door once in a while.

UPDATE AND REVIEW OF J. CREW SIGNATURE LEGGINGS:
The marketing genius who coined the phrase referring to cotton as the fabric for our lives, was not referring to these J. Crew leggings.
Turns out, I like them cheaper, and stretchier to lie around the house.
More of a jersey, less of a stiffer cotton; after all these are NOT PANTS FOR ME.
They aren’t comfortable at all, and I prefer Jacob leggings, so I may end up going to buy a replacement pair now that things are 40% off.
I found them tight, too thick, and strange. Took them in an XXS, because that’s what I thought a 00 would take (I am a 00 in the Minnie Cotton Twill Pant).
Probably could have sized up more, but then they would have stretched out, being cotton and all, and looked saggy.
J. CREW PIXIE JODHPUR PANT — $140 (30% off) — RETURNED
They looked interesting and weren’t in-store.
I just had to buy them to try them. I am not sure I’ll like them, but hey.. you never know. 30% off.
I find it interesting. And I don’t have navy skinny pants.

UPDATE AND REVIEW OF THE J. CREW LEATHER JODPHUR PANT IN NAVY SIZE 00:
Yeah so they aren’t blue like in the picture. At first I thought they sent me the black version which I didn’t want. Then I realized I could barely get my feet into them because of the leather patches on the side.
I managed to wiggle them on (Size 00, which is my Minnie Cotton Twill Pant size), and they fit to a T. A little TOO to the T, if you know what I mean.
I couldn’t get the back hook, hooked up because I can’t twist my head 180 degrees, and I couldn’t feel for where to catch the hooked edge. I can do my necklaces without looking, but this was a feat.
I hated the leather sides on them once they were on, because it felt like I was wearing off-kilter knee-pads, plus the leather looked cheap and was not at all soft like I had expected them to be.
A total, utter, disappointment…. although not really because I’m happier having the money in my pocket than having spent it on these misleading pants.
J. CREW MIDRISE SEA SALT CORD PANT — $124.60 (30% off) – RETURNED

Again, another curious purchase at full retail price with 30% off. Just want to see if it fits well… and I don’t have any cords or any skinny white/ivory pants in my wardrobe.
UPDATE AND REVIEW OF THE J.CREW MIDRISE CORDUROY CORD PANTS IN SEA SALT:
Their sizing confuses me. I’m normally a Size 26 in pants, so I took a Size 26 in these cords. Turns out, I probably need a 25 or a 24, because they were quite baggy in the waist, and had too much excess fabric (although it could just be the cord fabric itself).
I found them extremely UNflattering, and although I liked the higher mid-rise, it gave me an overall “blech” feel when I wore them, especially for $125.
It also did my flat butt NO FAVOURS WHATSOEVER.
No, I think Rag and Bone leggings would top this in a heartbeat. I’d rather pay an extra $80 and get an amazing pair of pants, than buy these corduroy mishaps again.
Maybe corduroy is not my fabric.
For all the BR purchases below, I used my 4% cash back in from Ebates Canada, so whatever I end up keeping, they will give me 4% back in cash.
BANANA REPUBLIC SAUCY RED V-NECK PONTE KNIT DRESS – $50!
…(Originally $150, marked down to $99.99 and then it was another 50% off!)

“Saucy red” is the name of the colour, and not my own naming convention. It isn’t too orange or too blue-red. I tend to prefer the blue-red spectrum and it actually matches perfectly with the Rudsak Red Leather Obi Belt I bought last month (SCORE!).
The Size 2 fit perfectly (what luck, I bought it without trying it on..), as I had a feeling the Size 4 would be too big for me, as retailers seem to be doing yet another round of vanity sizing where I am now a 2 or a 0.
The fabric is soft, comfortable, a great zipper up the back, and perfect for my inverted triangle shape (adds a little drape to the hips, and I need it!)
For $50, I can’t say anything, because it was originally $150.
I was tempted to pick up the white ponte v-neck dress as well but I already have 2 great dresses in white, so I didn’t bother getting yet another staple white dress.
BANANA REPUBLIC HERITAGE BASKET WEAVE TUNIC — $50 – RETURNED

I liked the look of it, the style, it had a nice metallic thread front, while the sites were matte and it felt soft…. until I put it on.
It was too itchy, the Medium was the perfect slouchiness (XS would have been tight and probably shorter), and I don’t know what’s up with the reviews online about it being too short, but it came down to just past my hips.
Disappointing.
I would have kept it otherwise, but my eczema and general dislike for itchy sweaters made me put it back.
ARITZIA PETIT SHRUNKEN CHEVALIER IN CELESTIAL — $140
….Original retail price was $198, this particular colour was 30% off…
There aren’t ANY returns or refunds at Aritzia, so I had to be sure I wanted all these items (and I did).

Glad I waited (read: I couldn’t find it in stores in 00
so I got it online).
Really, really really happy.
No returns or refunds at Aritzia.
ARITZIA T. BABATON SABRINA BLACK TRIMMED BOW AND WHITE BLOUSE — $99
…Original retail price was $115, on sale for $99

I’ve tried this on and eyed it quite a number of times in the past 2 years.
They had a nice navy and white version before, but alas, I didn’t keep track of it to see if it would ever go on sale.
I’m thrilled I picked it up in black and white!
ARITZIA T. BABATON LIAM BLOUSE — $75
…Original retail price was $125, on sale for $75

I just like the look of it. Very sleek, simple, and with the sleeves folded up, it will be quite versatile.
I have a blousier version of a pussybow blouse I bought in Paris (Gerard Darel), and the collar is removable on that, and is much more pirate-y, for lack of a better descriptive term.
And that’s all I bought. STILL WITH ME? NO? .. Er… Go have a lie down.
Carnivals I submitted to this month:
- Carnival of Wealth with this post: What should you have saved for retirement so far?
- Carnival of PF with the same above post, and this one: Let’s blame Santa for all our debt!
- Carnival of PF with the post: Would I ever use an Amex Express Platinum or Centurion Card?
Posted in Shopping, Style & Beauty
Also tagged All Marketers are Liars, Amazon, Anthropologie, Aritzia, Basket Weave Tunic, Birch, Black, Books, Bright White, Carbon Gray, Cartonnier Jacket Wide Placket, Celestial, December 2012, Diane von Furstenberg, DVF, Equipment Silk Shirt, Good to Great, Ivory and Black Silk Color Block Silk Shell, J. Crew, Jean Leggings, Jessica Gingko Navy White Wrap Dress, Kaia Bamboo Biodegradable Makeup Wipes, Kindle, Kirkland Costco Makeup Wipes, Leggings, Liam Blouse, m0851, Marta Black Pencil Paneled Skirt, Midrise Cord Skinny Pants, Minnie Pant, Mulberry, Navy, November, November 2012, Petit Chevalier Shrunken Jacket, Pixie Jodhpur Pant Navy, Pleat Button Front Tuxedo Tank, Rag and Bone, Regal Blue, Review, Sabrina Blouse, Saucy Red Ponte V-Neck Dress, Sea Salt, Shearling Gloves, Signature Leggings, Subliminal, Swagbucks, T Babaton, The Antidote Happiness for People who can't stand positive thinking, What I bought, Wilfred
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2012 Final Year End Budget Roundup = Net Worth +44,928.58 or 29% increase from 2011

All of the following was tracked on a daily basis for the entire year of 2012 with my budgeting and expense tracking tool.
When I finish a year, I prepare for the new one, and copy the old values over so I keep building a nice archive of all my expenses. I especially like seeing my history dating back from 2006. I wish I had started this sooner!
On to the numbers!
(You can click on any image to biggify.)
2012 INCOME = $130,210.69 for 10 actual weeks worked
I made more as a gross income, but as I’ve prepaid my income taxes, that’s pretty much my net income not counting any taxes that might arise from my investments (dividends for instance).
I’m rather surprised at this number, because I always had it fixed in my head that I didn’t work much…then I realized it was because I was thinking of actual HOURS I worked (you know, 40 a week?)
See, I only worked 10 actual weeks this year, which is why I felt unusually (usually?) lazy this year, because it was only 400 hours of brain power spent, versus the 2000 in a typical full-time job for a year.
If we average that, I made about $13,000 a week for actual weeks worked although $45,000 of that was not related to actual hours of work in 2012, so if we take that out of the equation, I made about $8500 a week in 2012 for actual weeks worked.
2012 EXPENSES = $52,043 or about 39.97%
I spent $52,043 which does not include savings or charitable donations. I took those out as “expenses” because they’re not actual lifestyle expenses.

I had a pretty eventful year if I say so myself.
I went for about 4 weeks to Hong Kong and Macau for ~$3000.
I moved to New York City about a block from Times Square, and a few blocks from Central Park for most of this year.
I am not too upset about this being over my projected “ideal household budget” which is in the $30,000 – $40,000 range because I spent a lot of money moving from one country to another, about $15,000 at a minimum by my estimates.
Note: Around $15,000 were all put into categories like “Rent“, “Transportation“, “Travel“, “Fees“, etc, because I didn’t make a separate Moving category..
Also, I let myself be a little too liberal with the Wardrobe spending this year especially near the end, with spending in December 2012 because of all the deals, the sales and discovering Ebates Canada, but I’ve mentally re-adjusted myself.
I am going to clamp down on this in another way for 2013, rather than trying my stale old methods of banning or restricting myself which never work.
(Funny how a fresh fiscal year will make you say all these wonderful things and feel like you mean it!)
2012 SAVINGS = $62,167.69 savings or 47.74%
I saved a solid amount this year, considering I didn’t work much and felt like the whole year was a vacation….. which it kind of was, if I’m being honest.
I don’t think that’s too shabby for net savings, even though my net worth begs to differ (glad the market jumped a little, however!).
I have also recently completed the rest of my donations to various charities this year which will help offset any investment taxes. So that has lowered my net worth as well, but in a good fuzzy way.
2012 END OF YEAR NET WORTH = $200,145.63
I prefer looking at net worth to see how I did, over actual dollar amount savings, because even though I save money, I am more interested if that savings stuck and my net worth increased or not.
Otherwise, I can say that I saved a ton of money, but if my net worth didn’t go up, it isn’t good enough for me. It means that I am not putting my money to grow in the right places if I am always saving a lot, but not getting ahead.
My net worth stands at: $200,145.63 for the end of 2012.
Here are the past 12 months of only looking at 2012 from January to December.

COMPARING FROM 2011 TO 2012
To know whether or not I’ve done well this year by my standards (versus last year), I always ask myself 3 major things as a personal benchmark:
Did I save at least 25% of my income?
Did I save at least $36,000 this year?
Has my net worth gone up this year? By how much?
As long as I am going in the right direction (up!) by at least $36,000 net a year (the minimum reasonable amount calculated at $3000 saved per month), I have at least met my goals.
Then it’s a question of meeting my other secret goals, like saving 50% of my net income and trying to stay within $30,000 – $40,000 for life spending.
I should try much harder for 2013 and I have a plan to do just that.
What’s that you say?
I could have actually made my $40,000 net expenses goal, and I could been more in the black if I had just not bought any clothes or wardrobe-related things this year to the tune of about $9000?
Yeah you’re right… but be quiet you.
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I’m not a miser.
There’s nothing wrong with a little shopping, especially having met my goals. I’m mildly disappointed but not angry at it, and I wouldn’t return anything I bought that I haven’t already.
No point in not wanting to live for the sake of reaching some mythical $1M savings goal before I even want to retire.
2011-2012 YEAR FOR MY NET WORTH CHANGE
Increase +$44,928.58 or a +29% increase
I started at $155,217.05 at the end of December 2011, and I finished at $200,145.63.

I saved $62,167.69, but my net worth only went up $45,000 or so due to the following:
- charitable donations
- investments going south then going north, then going south
- investments held in USD, waiting for a rise, which is making me very frustrated
These are all numbers that look just about right to me.
Almost all of my funds are currently a BIT below market value, and on top of that, the bulk of my assets are held in USD, so it doesn’t look so hot at the moment.
As for the currency exchange: I don’t want to convert my balance of USD to CAD and lose money, quite yet.
I’m holding out and hoping for 2013 and I will make a call either in June on what to do. I mean, c’mon! The rate is currently 0.97 CAD to 1.00 USD? I can’t stomach that loss.
If the stock market does better in 2013, it’d be great, but I’ll just focus on net savings and staying in one country.
2011-2012 MONTHLY BUDGETING EXPENSES AVERAGED OUT

That looks about right, all things considered.
Everything went up except for:
- Groceries — went down by $472.51 (surprisingly!)
- Grooming/Spa — went down by $72.66
- Electronics — went down by $1686.96 (didn’t buy a new laptop this year)
- Books & Gifts — went down by $2363.49 (didn’t buy my parents expensive gifts)
- Entertainment — went down by $294.40 (was absorbed into other areas like Eating Out)
- Website — went down by $108.50
MORE NOTES
Rent really went up because I stayed in hotels when I moved, and paid 100% of it, rather than sharing the cost (50%) with BF.
Groceries – I’m kind of surprised Groceries went DOWN this year, by about $472, we’re buying smarter I think, and it helps rather than just eating mindlessly.
Cellphone went up because I got a smartphone (iPhone 4) and then I got rid of my smartphone because I saw no value in it. My cellphone bill will be about $13 a month going forward (my half of the bill).
Car/Gas went up because when I moved, I had to rent cars to get around (no one can really walk in the U.S., as everything is so far apart) and that was not cheap.
Household was nasty this year, moving to another country and back. We re-bought all the stuff for the kitchen, but then the Boxing Day sales hit in December for Boxing Day… yadda yadda. Laundry also got lumped into this category.
Toiletries/Makeup will not be this high next year. I have most of my stock for 2013 bought during sale days, and I don’t need anything else. I have all of my favourite beauty items for 2012 which I will continue to use for 2013. No more experimenting!!!!
Eating Out still looks reasonable to me, but I should probably scale back.
Wardrobe/Jewellery is still not reasonable, but I have a new way to stay in line rather than overspending.
Electronics is an area I’m quite proud of. I didn’t buy much this year because I have everything I need! I’m eying the Kobo Glo, but I don’t want to pay too much for it. I’m willing to wait, to get it at a good price.
Books/Gifts stayed nice and low because I’ve been using Swagbucks to get them for free, and I didn’t buy my parents any fancy $1000-gifts this year.
Entertainment is now a defunct category that I am removing for 2013. My entertainment is eating, traveling or buying cute things. I don’t go to the movies, or do “entertainment” (vague) things.
Travel & Accessories stands to reason to be lower than last year. I took off most of last year to travel around Europe, Asia and the U.S., and I only went to NYC and Hong Kong and Macau this year for a month. Next year, I want to go back to France, and visit other regions of France.
Website – it costs money to maintain a blog, which I am hoping will be covered by Google Adsense for 2013. Still, it is a very low amount for a time-consuming hobby, which is exactly what blogging is to me.
Work/Office – Buying office supplies, mailing things, or anything related to WORK as an expense got thrown in here.
Miscellaneous — Stuff that crops up. Legal bills are here, as are bank fees (currency exchange or wire fees for instance). I’m creating a new category for this.
2011 VERSUS 2012 CHART

NET WORTH TO DATE
MY NET WORTH SINCE NOVEMBER 2006
Hey, as long as the trajectory goes up, I’m happy.

So pretty, even with all the bumps.
I am hoping to have a nice big spike in 2013 from working (more).
MY 2012 MONEY GOAL = Stay @ $200K net worth
It was originally to save $250,000, and then a lot of changes happened, and at the end of the year, I just wanted to stay above $200,000 for my net worth.. WHICH I ACCOMPLISHED!
I ACCOMPLISHED IT!
(Yes, I had to dig through my purses for each country and count money like Euros and my emergency $20 bills, but I MADE IT!!!!)
REVIEW OF BLOG FOR 2012
I started this blog literally in the first days of January 2012 after I decided that I missed it too much, but I needed to be more realistic by scaling back on my expectations and to just relax about it.
It’ll now be permanent, I promise.
As I am sure you certainly find this as boring as I do, I will spare you the pain and just do a blog update once a year for the sake of my records.
BLOG INCOME FOR 2012
I started Google Adsense literally on November 1st 2012, and it’s my only real steady blog income which I keep and use to cover the cost of the blog (web hosting, domain name registration), and gives me a little back for the time I put into it (even though it’s really a hobby…!)
November 2012 Blog Earnings: $317.10
- Google Adsense Earnings: $17.10 with 17,095 page views
- Sponsored Link: $300 (one-time)
December 2012 Blog Earnings: $70.07
- Google Adsense Earnings: $70.07 with 21,848 page views (WOO HOO!)
It almost covered this year’s website costs.
I hope next year will be more fruitful.
RSS FEED SUBSCRIBERS = Went from 0 to 244
Started the blog around the early days of January with 0 RSS Feed subscribers.
Ended 2012 with 244 RSS Feed subscribers.
Thank you!
TWITTER FOLLOWERS = Went from 0 to 253
Started the blog with 0 Twitter followers.
Ended 2012 with 253 followers.
Thank you again!
MY 5 BEST POSTS OF 2012
- What should my net worth be?
- How much money should you have saved for retirement so far?
- Almost Rich: Earning $160,000 – $200,000 a year and barely making it
- How do fashion bloggers afford all their spending?
- Are single women too successful to find love?
MY 5 TOP REFERRERS OF 2012
- The Star (because of David Graham’s: Meet Generation M – Minimalists Article)
- Fabulously Fru-Girl
- Financial Uproar
- Shopping Detox
- The Asian Pear
MY 5 TOP SEARCH TERMS OF 2012
- household budget spending ideal = 828
- monet water lilies = 697
- mochi and macarons = 438
- the budgeting tool = 319
- shopping = 244
Budget + Shop + Eat.
Yep, that sounds like it describes my blog perfectly.
NOTABLE 2012 BLOG FEATURE:
- Meet Generation M — minimalists trying to live better by cutting clutter, consumption (David Graham, The Star, December 4th 2012)
MY NEW 2013 TRICK TO SPEND LESS ON CLOTHES
I’d like to do the same things as 2011 and 2012, and I always re-iterate that I should change:
- Stop spending so much money on clothes, toiletries and makeup
- Work more than 2 months of a year..
- Save more money to reach a higher net worth
- Bla bla bla….
In reality, I do want to do those things (the working and saving is a given)…. but as I don’t spend in other big-ticket areas (like having a car, furniture or a home), I feel like clothing is something I should allow myself, and to set a more REALISTIC-for-me budget in that area and/or change those stale limitations.
I don’t want to keep setting the same old stale goals that I keep breaking every year.
It just isn’t working for me.
I have gotten rid of so much stuff that didn’t add value or look great in my wardrobe, that it started to look a little bare so I’ve been carefully replacing items with higher-quality things that are cut better and flatter more…. but also cost more (as evidenced by last month’s December 2012 Shopping Spree).
I’ve noticed that I have been thrifting a lot more, and enjoying the hunt, so my changes for 2012 will be:
- Do more thrifting/consignment shopping than new retail shopping – at least 50% of my purchases?
- 100% avoid being tempted by cheap stores like Zara, H&M, Mango, Forever 21 and so on (easy..)
- Being pickier — I’m getting so much better at this!
- Total, and utter ban on new makeup purchases — I really have every beauty/toiletry thing I need
- Only allowed to buy refills
The above will make more of a difference in my budget than putting a ban or a vague “stop spending..” limitations on myself.
Have to get creative if I want to embrace and internalize the change!
OVERALL SUMMARY OF 2012
Overall, I think I did better-than-I-had-expected this year.
- Made $130,210.69 net (taxes prepaid already) for 2012, working 10 weeks this year
- Saved $62,167.69 net or 47.74% of my income
- Spent $52,043 (lifestyle only; net of prepaid taxes and savings), or 39.97% of my income
- Net worth went up $44,928.58 or 29% from 2011
- Met my 2012 goal of staying above $200,000 net worth
- Met my general money goal of saving a minimum of $36,000 a year
- Met my general money goal of saving at least 25% of my income
Could I have done better?
Well, I didn’t do as well as I had hoped but I know exactly why and where I didn’t push myself to save more, and 2013 will not be a repeat of this (it’ll be better).
Luckily the financial start to my year was great and it cushioned all the things I had to pay for.
I did all right for myself.
Not fantastic, but all right.
LOOKING TOWARDS 2013
MUST-READ BLOG TO START THE NEW YEAR: GREY CAVALIER
I have sort of a soft spot for seniors, especially really kind, subsitute-for-Grandpa-or-Grandma types. You just can’t refuse them anything, they’re so adorable and full of interesting tidbits!
I love that they remind me to take life less seriously (it isn’t a race to the end), to enjoy it, and have lots of rich, full experiences.
So I was especially pleased to find this blog: Grey Cavalier (quite aptly named), written by George White, a 92-year old man who just lost his wife Mima of 67 years. (Okay, so I teared up…)
He started the blog to feel better at the end of it by sharing how the world looks through his eyes.

Photo via Grey Cavalier
“I intend to make the best of things, try to forget my pains (at least for a while), and visit some of the lovely scenery and mountains in that country [Switzerland]. I’ve seen many photographs, now that I received my first ever passport a few weeks ago I can now experience it for myself.
I would like to share my adventures with you, and at the end of it I hope to feel a lot better. I hope you enjoy what follows.”
I don’t know if I ever recounted this, but I met a lovely French couple (seniors) from Burgundy, and they were so full of stories and life, after 15 minutes, I almost invited them to visit us in Canada.
I’ve considered volunteering for those retirement homes where you go and chat with them on a regular basis, and I may do that in 2013 if I can find a place to settle down and stay for more than a few months.
2013 PERSONAL GOALS
- Avoid buying so much plastic — or at least, if I buy it, be able to recycle it in the Blue Bin
- Avoid buying things Made in China — the plastic fumes make me nauseous & the quality is low
- Read more books, or rather, read ALL the books I’ve been getting for free with Swagbucks money
2013 MONEY GOALS
- Reach at least $250,000 in my net worth by the end of 2013
- Spend no more than $30,000 net on living expenses this year (including travel) — budget coming up!
- Do freelancing for some side income of at least $300 a month on average (separate from my career)
2013 CAREER GOALS
- Work more than 10 weeks in 2013 — har har…
- Continue learning French — the worst for me are all the le and la ‘s in front of words… GAH!
- Think about getting a very expensive certification that may be helpful (have to do the ROI on this)
I hate doing too many goals I’ll never reach, but these are things I’d like to get done this year or at least think more about as I go about 2013.
Only a few are concrete and measurable like the money ones.
That does it for my 2012 year in review! I hope you enjoyed it, and I hope you had a fruitful 2012 as well.
Hello 2013!

THANKS FOR ALL THE SUPPORT!
December 2012 Budget Roundup = -($3206.63) or a decrease of -1.58%
LOOKING BACK
This aptly named “Time to Prioritize” shirt pretty much says everything about my life post-college so far:
INCOME = $492.11
Not a pathetic $0!!!!! Hahaha. Okay, I know. I have to work in 2013, but I need contracts first.
- $17.10 — November 2012 Google Adsense Income (sorry, I didn’t even realize I made any money)
- $70.01 — December 2012 Google Adsense Income (whoa… that escalated quickly!
) - $300 — Did 3 hours of freelancing on the side
- $105 — Sold a few things
EXPENSES = $5058.67 (Eeep!)
- I spent a lot. A lot.
- Savers will have to avert their eyes when I post what I bought this month.
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PIE CHART FOR THE EXPENSES
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TOP 5 CATEGORIES OF SPENDING
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NET WORTH = $200,145.63 or a -($3206.63) decrease or a -1.58% drop
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I MADE IT!
I MADE MY 2012 NET WORTH GOAL TO TREAD ABOVE $200,000 WATER FOR MY NET WORTH!
Of course, this would have been better if I didn’t shop so much, but you say tomayto, I say tomahto…
My investing however, not so hot because this market is making me #$*&!#&@$^@$.
*stays calm*
Overall the year has been decent.
My net worth went up and I met all my minimum goals, so that’s what matters.
NET WORTH FROM THE PAST 12 MONTHS
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LOOKING FORWARD
Taxes. Finding a contract. Taxes.
That about sums it up.
Hope you had a great December.
My Favourite Beauty Items of 2012

I think it’s safe to say I don’t need to try any more products. I have everything for makeup and skin now.
My skin has never been smoother, softer, and more even-toned in my life. Diet had a big thing to do with it too!
I’d only like to change my makeup wipes to something more eco-friendly, Josie Maran or Korres maybe?
CLEANSERS & EXFOLIANTS & MOISTURIZERS FOR SOFTER, SMOOTHER SKIN
- Korres White Tea Fluid Cleansing Gel - On my 4th bottle now!
- Clarisonic Mia Brush – Best purchase ever, my skin is smooth & exfoliated
- Dr. Dennis Grossman Extra Strength Alpha Hydroxy Wipes – Use once bi-weekly & LOVE IT
- DDF Ultra-Lite Moisturizing Dew - Super light, used as a base moisturizer year-round
- 100% Argan Oil – I like using a bit of this on my hair, and also on my face once in a while
- Yu-Be Cream – This is THE BEST for eczema, no silicones, petroleums; Used on body AND face
- Kirkland (Cost-Co) Makeup Wipes – Also the best makeup wipes but I’m looking for eco-friendly
SPF CREAMS SO YOU DON’T GET WRINKLES & LEATHERY SKIN
- Skinceuticals Physical Fusion SPF 50 – You will not burn; No white cast; I use it alone sometimes
- Suhadafit Skin Milk SPF 50 – Absolutely ZERO white cast; Super light; Fruity & Great in summer
MAKEUP FOR THE EYES
Annabelle is a Canadian brand, so you won’t find it in the U.S.
- Annabelle Eyeshadow Pots (Gleam = Gold) – Perfect for work, not too shimmery or matte
- Urban Decay Naked Eyeshadow Palette – Bestselling neutral shades of all time for work and play
- Urban Decay Liquid Eyeliner – I like their deep dark navy blue Sabbath, a bit too wet sometimes
- Urban Decay 24/7 Pencil Eyeliners – They stay on and last all day
- Dolly Wink Liquid Eyeliner – Found in Asia, it draws the thinnest lines & is easy to use
- Annabelle Smoothliner Pencil Eyeliner - Their Brownie (Brown) colour is my favourite, super smooth
- Annabelle Le Big Show Mascara – Still one of the best drugstore mascaras I’ve ever used
- Benefit Bad Gal Lash Mascara – Got this as a sample, and I liked the really fat brush
MAKEUP FOR THE FACE AND CHEEKS
- Tarte Amazonian Clay Blush in Exposed – Longwearing, smooth & super easy to apply in layers
- Makeup Forever HD Microfinish Powder – Best powder to set & banish shine; AWFUL for cameras
- Annabelle Haute Zebra Bronzing Powder – Light gold shimmer, sometimes I use this as a blush
- Time Balm TheBalm Concealer – Still one of the best creamy concealers I’ve ever purchased
- AmazingConcealer Concealer – This one is a lot thicker & more opaque than Time Balm
- Kate Kanebo BB SPF30 – Found only in Asia; Was a fan of Smashbox but this goes on better
LIP BALM
- Fresh Sugar SPF 15 Lip Balm – Smells great, SPF 15, and moisturizes well
- Maybelline Baby Lips – Hate the name, but it moisturizes really well with a slight colour tint
MAKEUP TOOLS
Sonia Kashuk is only in Target, mostly in the U.S., but it’s coming to Canada!!
- Sonia Kashuk @ Target Makeup Brushes — Amazing and a great quality for the price
- Shu Uemura Eyelash Curler – Can’t beat it. Bought a Koji No. 70 in Asia, but wasn’t the same
- Tweezerman Tweezers – Slanted tweezers are expensive, but they do the job easily
- Urban Decay Eyeliner Sharpener – Does the job, doesn’t complain!
HAIR STUFF
- 100% Argan Oil - I rub it on the ends sometimes or to smooth down my hair
- Paul Mitchell Tea Tree Oil Shampoo/Conditioner – Killed my dandruff, leaves my hair super soft
NATURAL PERFUME
- Bulgarian Lavender Oil – Essential Goodies – I don’t really like perfumes, essential oils are my thing
What are some of your favourite things?
Posted in Shopping, Style & Beauty
Also tagged AmazingConcealer, Annabelle, Annabelle Eyeshadow Single Pots, Annabelle Haute Zebra Gold Bronzer, Argan Oil, Benefit Bad Gal Lash Mascara, Bronzing Powder, Clarisonic Mia Brush, Concealer, DDF Ultra Lite Moisturizing Dew, Dolly Wink Liquid Eyeliner, Dr. Dennis Grossman Extra Strength Alpha-Hydroxy Wipes, Essential Goodies, Eyeshadow Palette, Favorite Makeup, Favourite Beauty Products, Fresh Sugar SPF 15 Lip Balm, Kate Kanebo BB Cream, Kirkland Cost-co Makeup Wipes, Korres White Tea Fluid Cleansing Gel, Lavender Oil, Le Big Show Mascara, Makeup Brushes, Makeup Forever HD Microfinish Powder, Makeup Review, Maybelline Baby Lips Lip Balm, MUFE, Paul Mitchell, Review Beauty, Shu Uemura Eyelash Curler, Skinceuticals Physical Fusion SPF 50, Smoothliner Eyeliner, Sonia Kashuk, Suhadafit Skin Milk SPF 50, Target, Tarte Amazonian Clay Blush, Tea Tree Oil Shampoo and Conditioner, The Balm, TimBalm, Tweezerman Tweezers, Urban Decay 24/7 Pencil Eyeliners, Urban Decay Eyeliner Sharpener, Urban Decay Liquid Eyeliner, Urban Decay Naked, Yu-Be Cream
24 Comments
November 2012: What I Bought
I call this the month of Winterizing.
I bought stuff for the long, cold Canadian winters ahead, which kind of look like this….
CANADIAN POLICE CAR CHASE
Also, has everyone met my new pet baby seal, Fluffypants??
She only knows one trick right now, but I’m working on teaching her more.
But isn’t she just ADORBS!? SOOOOO fluffy!!!
On to what I bought.
!!! FREE !!! E-BOOKS FROM AMAZON VIA SWAGBUCKS
I forgot to mention this in my previous roundups, but I’ve been buying e-books on Amazon with giftcards I’ve been earning via Swagbucks so far:
- Freakonomics
- You are what you wear: What your clothes reveal about you
- Millionaire Teacher
- Personality: What Makes You the Way You Are
- The Signal and the Noise: Why So Many Predictions Fail-but Some Don’t
- The Hunger Games Trilogy
- The Complete Memoirs of Casanova (Unexpurgated Edition)
- I’ve Got Your Number: A Novel
- Eyewitness Travel Guides: French Visual Phrase Book
- Le Petit Prince: la meilleure vente de l’histoire des enfants (illustré)
- The Power of Habit: Why We Do What We Do in Life and Business
- The Consuming Instinct: What Juicy Burgers, Ferraris, Pornography, and Gift Giving Reveal about Human Nature
- The Boxcar Children Mysteries Box Set: Books One Through Twelve
- Snoop: What Your Stuff Says About You
- Priceless: The Myth of Fair Value (and How to Take Advantage of It)
- Sway: The Irresistible Pull of Irrational Behavior
Also, I ran the numbers, and getting $5 Amazon gift cards works out to be a better deal than spending all my points and getting $50, so that’s what I’ve been slowly doing.
If you want to earn Swagbucks and get stuff for free, you can use my Swagbucks referral code here.
I highly recommend it especially if you live in the U.S., and can buy STUFF online too.
MINI TOOTH BRUSHES
There’s a little secret that I’m actually quite obsessed with dental health.
Not with the whole getting your teeth as white as a porcelain toilet bowl, but more with actual dental HEALTH.
I brush, I floss, I try things to try and keep my teeth and gums healthy, because I read somewhere that it all starts in the mouth.
You can prevent a lot of diseases and problems, if you just take care of your teeth.
So I was super pleased when BF found these mini tooth brushes (literally), and you can use to clean in between you teeth in addition to flossing.
You’d be surprised what floss CAN’T bring out of your teeth sometimes, and these little brush things are incredible, or maybe you can use them in place of flossing (although it won’t fit into some super tight spaces).
I really like them. I just wish they weren’t plastic.
The white things are the caps…
THRIFTED ANTHROPOLOGIE EVA FRANCO ORAYA DRESS — $65
It looks brighter in person, less dark and drab.
More like this!
I had no clue this was an Anthropologie dress. It originally retailed for $188 USD, which means in Canada it would have been $228 CAD or more.
I got it for $65!
The print looks like this up close in some areas:
It didn’t fit perfectly in the back, but that lovely proprietress of Kensington Market’s Kali Maa SEWED IT FOR ME.
She seriously did the tailoring for me in half an hour, FOR FREE so that I would consider buying the dress for $65. Otherwise I would have left it, because tailoring would have cost $65 in and of itself.
All I knew was I liked the print on it (someone described it as fabric on acid), which turned out to be some trippy desert cacti print with an overlay of cartoon-y dots.
I am not entirely in love with the bright orange sash (the colour jars me a little), but I figure if it really bothers me, I’ll just wrap it around myself, and put another belt over it.
Maybe a dark red, or a leather obi belt, which I incidentally did NOT have in my belt wardrobe, and ended up purchasing!
THRIFTED CASHMERE SWEATERS — $30-$40 each — $100 total
Some of you are very grossed out by wearing secondhand items, but I’m not.
I wash everything before I wear it, and I even throw a little tea tree oil in there for a bit of disinfectant.
IVORY SUTTON STUDIO SHAWL CASHMERE SWEATER — $30
It’s from Bloomingdale’s (it’s one of their brands), but it is so soft and cuddly… fabulous.
It looks like this:
RALPH LAUREN CASHMERE T-SHIRT SWEATER — $30
It’s a t-shirt rather than a long-sleeve sweater. Feels great! It looks kind of like this:
NEIMAN MARCUS CASHMERE SWEATER (GREY) — $40
It was a larger-sized men’s sweater that I think was accidentally shrunk in the wash which is why the tag said 2X (as in XL times 2), but the cuffs were tighter so it fit better and doesn’t feel too loose and floppy like it’s too big for me (as it did with the other men’s sweaters).
Looks sort of like this but in a darker heather grey..
MINI POST: WHY I BUY CASHMERE SECONDHAND @ COURAGE MY LOVE
What I can see, is that if I were to buy that cashmere sweater (a nice one), at retail in a store, it would cost me about $300 – $800.
$300, is if you buy it from J. Crew, where the cashmere is just a teeny bit itchy because it isn’t the super best quality of cashmere no matter what they say, and $500 – $800 is if you buy it from The Cashmere Shop in Yorkville, where they make all the goods by hand with the finest cashmere from Mongolia (no goats are harmed, just their nice soft, warm coat is taken each summer).
….but I am NOT willing to pay those prices quite yet.
I can pay $200 MAX at retail it for a cashmere shawl or $150 retail for a scarf from White + Warren who makes incredible cashmere pieces, but that’s my limit.
(Even White & Warren sweaters are a teeny bit itchy because they don’t seem to use the same cashmere in their sweaters as they do in their shawls and scarves, or they don’t do them as nicely. I don’t know what it is.)
So I buy cashmere secondhand for $30 – $40 per sweater from Kensington Market at Courage My Love, I wash it once before I wear it, and check it before I wash it again to get that slight incense/sandalwood smell out of the clothes.
Labels don’t matter much to me.
What I care about is thickness (ply), softness and how NOT itchy it is.
It should never feel coarse (sometimes manufacturers mix camel hair in there), and the hair should not come off in your hand like crazy.
It should always feel like I’m cuddling with 48 puppies minus the allergies when I put on a cashmere sweater on bare skin.
These cute little furry guys snuggling with you x 12 = how a cashmere sweater should feel on your skin
I go through each sweater with a fine tooth comb to check for stains, flaws, pilling and other things I don’t want to even waste $30 on (there’s always another cashmere sweater around the corner).
Sometimes I find a great cashmere sweater, and sometimes I don’t.
I just keep checking back regularly. So far I like Lord & Taylor, Ralph Lauren and Sutton Studio as cashmere brands.
UGG TALL ADIRONDACK OTTER BOOTS — $361 — RETURNED
It ended up being $361 taxes included, after a 30% Friends & Family discount from SoftMoc.
I figure I have 75 days to think about them without wearing them, so I went to Montreal to see what other boots they have available to BE SURE they’re what I want.
I went all around Montreal, looking at boots, touching everything, but nothing came close to the soft, furry, loveliness that is an UGG specialty.
Sold. I also really like the Vibram sole, it’s super durable and tough, which is great!
UPDATE: I basically returned them, and I am now $361+ into the black.
Why?
- They were really comfortable and I liked how sturdy and light they felt
- They’re nice and high, with a great sole
….. But then:
- It looks like another warm winter this year, I can get by without warm boots I think
- It took me 5-10 minutes to get in and out of the boots, and I AM NOT a patient person
- I was thoroughly, 100% ANNOYED with SoftMoc Canada’s customer service on all fronts
- So annoyed, I didn’t want to keep them 25% because of my experience with them
CHA-CHING! $361 back in my pocket.
RUDSAK RED LEATHER OBI BELT — $50
I need a red leather belt. I don’t have one in the perfect deep red (not too dark, not too orange), and when I saw this, it reminded me of the perfect red of my Samsara vegan leather bag.
It looks like this.. sorta.
They don’t have any pictures online (WTF), but here’s a similar one by a seller on Etsy by larimeloom, which is not made of leather.
TRIED A FEW NEW DAVID TEA’S TEAS — $6
I’m glad I didn’t buy any more than some samples.
I tried these three new teas:
- Vanilla Orchid Oolong — It was nice, and the best of all the three teas, but too subtle for me
- Organic Banana Dream Pie — Their Banana Nut Bread is far better than this tea
- Cookie Dough — This one was the worst and tasted nothing like cookie dough for me
MACARONS
Lastly, some macarons.
Okay, A LOT OF macarons at La Maison du Macaron. About 48. I ate them all and they were yummers.
Each is about half price (around $1.33 each) versus Laduree ($2.65 each), and tastes decent enough.
November 2012 Budget Roundup = +$1336.56 or +0.66%
LOOKING BACK
HEALTH SNAFU
Apparently low blood pressure was the only cause of my health problems this month (nausea, dizziness, fatigue), and otherwise I am in tip top, perfect shape.
Got my free checkup and free blood test (thank you universal Canadian healthcare!), and a Post-It prescription from my doc to take omega-3 pills and folic acid.
Will be back to see him for another blood test in 3 months.
I also went in to see a massage therapist for my slightly pinched nerve who told me to heat my right shoulder and side, because it’s stiffening and could use something to help the muscles loosen.
She told me to heat pack it and stretch that side more during yoga (cheaper than weekly massages).
NOT WINTERIZING ANY MORE
I just realized that the less I work, the cheaper I become with my expenses.
There’s no need for me to do this because I am beyond financially comfortable for my age, but I’ve noticed a pattern in myself: every time I stop working for more than 2-3 months, my mind starts ticking and slowing down on the spending.
BRING IT ON GRANDPA WINTER!!!!!!
I get cheaper, I don’t want to buy or pay for anything that is not absolutely 100% amazing or tasty, and I don’t even want to hear the word “vacation” come out of BF’s mouth.
It’s kind of awesome in a ridiculous way.
Even for 2012, I wanted to buy:
- a hat ($200)
- boots ($400)
- gloves ($200)
- a super warm coat ($700) for -35 Celsius degrees days
But I’ve decided against all that.
I went from giving myself a budget of $1500 for everything in total to $100 because I’m still considering a non-cloth/fabric hat of some kind, and I want to replace the insoles on my old winter boots to sexy Birkenstock ones.
(Note: The big fat budget is because I like to buy things once and not buy them any more.)
- Boots: Returned UGG boots because of price; Will keep old ones & wear 2 layers of socks
- Gloves: On hold for now and will just put my hands in my pockets all winter if I get cold
- Coat: Keep my old coat, wear THREE layers of cashmere and deal with it
Purse & Bank Account = Happier.
FEELING THE BURN OF CASH?
Gail says:
Our insula (associated with pain) is activated by prices that seem too high.
…and she also notes that if you spend in CASH rather than on credit, you don’t feel any pain, hence why if you want to find money to save, you have to buy everything in cash so you’re in pain every time you fork over a penny.
That doesn’t seem to apply to me. (See above: Not Winterizing Any More)
I buy everything on my credit card, but I still feel the pain when I see the receipt and the amount, because I treat my credit card like a cash card.
INCOME = $729.95
Surprisingly (or not), I made a little bit of money this month!!!
- Advertising: $300 (1 advertiser, one-off deal)
- Consigning/Selling stuff: $429.95 (still have some stuff out on consignment)
It doesn’t cover my expenses by a long shot, but at least it wasn’t a pathetic $0 this month.
I also can’t really call consigning/selling stuff “income” as it is really lost income in the form of a previous frivolous expense, but it does make my wallet feel better.
Note: I can’t realistically make any money until 2013, as there are no contracts because most of the company budgets have been used up, and they have no money left for freelancers.
Nice excuse right?
Too bad it’s true. *sigh*
EXPENSES = $3000.16
Almost right on the nose..
So pretty………
Aside from rent, I was partly in Hong Kong for this month, so I put my Hong Kong spending here, which inflates it slightly by about $264.81.
We also went for a little Montreal jaunt to tie up loose ends (I owed $11 from my driver’s license payment, what’s up with that!?), got my license changed to QC, and picked up macarons, which ended up costing me about $400 for the whole time there.
I also paid a few $*#&#*@ bank fees because I always forget that when I write a cheque that I shouldn’t be paying off my credit card as I spend money on it — it’s my habit to make sure I keep my credit card at $0 balance and I can watch out for any fraud.
I should WAIT UNTIL THE CHEQUE CLEARS before paying off my card!!
I never learn my lesson, on the rare 4 times a year I write a cheque to someone. Out $15.
#@$*!&$.
TOP 5 EXPENSES THIS MONTH
NET WORTH = $203,252.26 or an increase of $1336.56 or +0.66%
NOT IN THE NEGATIVE!!!!!!!!
- The stock market gained a bit.. THANK ALL THINGS FINANCIALLY HOLY…
- I think I’mma make it after all with staying above $200,000 in my net worth for 2012 *fist pump*
NET WORTH FROM THE PAST 12 MONTHS
LOOKING FORWARD
Not much happening.
I’ll spend December looking for a winter hat, and hassling Nelson to give me those Amazon.com or Future Shop gift cards he has in his current giveaway, and the new $20 bills he has lying around and has no idea what to do with.
(Hey Nelson, make sure you mark this post down as 2 entries in that contest! I need to stay above $200,000 so I can’t spend like crazy…)
I have a few dinners coming up, which I am budgeting for, but otherwise, I don’t expect to really be spending much.. but you know. I’m an impulse shopper.
Gotta stay out of those stores and focus on thrifting instead of buying retail.
October 2012: What I bought
THERAPIK: MY NEW BEST FRIEND ON TRIPS
The best $12 I’ve ever spent.
I bought this device a while back but didn’t have the opportunity to use it until a huge insect bit my ankle in the hotel room.
I was itching it like mad until I realized I packed the Therapik.
I put it on as directed, for about a minute or longer, and felt a little pain from the heat like an insect sting but as my bite was so itchy, it kind of relieved it.
…and it worked.
IT WORKED.
I can’t believe it worked!!!!!! I do NOT need to worry about getting bitten any more and suffering the itch a thousand times worse than chickenpox.
This is also not a placebo situation as I have extreme eczema and when it itches, it itches. I never pretend that anything works when it doesn’t, especially for itches.
So remember how I wanted to spend $0?
My budget increased to $100, but then as I mentioned an enabler on Twitter made me realize there were some Asian brands I had to try!
Here’s what I bought:
ISEHAN SARASARA DAILY MILK SPF 50 = $15 EACH
I bought 2 bottles, and I wish I bought 6 (I didn’t have the space). I LOVE this SPF lotion.
It’s like a milk.
It is as loved as my Skinceuticals SPF 50 cream, but it is even better to wear in the summer (I think), under makeup.
It doesn’t leave a sticky, greasy film, it isn’t tinted (AT ALL! No white cast from the zinc oxide), and it has made my skin feel softer.
I’d definitely consider buying this in bulk once I run out.
KATE KANEBO BB CREAM = $15 EACH
I bought 2 bottles of this, in the darkest shade they had OC-D (which will be too light when summer comes around).
It blends nicely onto my skin, feels light, dries to a powder and has a sheer coverage, nothing too fake or makeup-y.
I have to learn how to use a light hand, however.
KATE KANEBO UV MINERAL BASE SPF 30 (CLEAR) = $15
Yes it does feel a bit like eyelash glue, and it DOES smell a little, but it’s a clear, SPF 30, UV mineral base, and it does the job in a pinch.
It is not as loved as the Isehan Sarasara Daily UV Milk, but it’s a makeup primer with SPF 30. SPF 30!
KOJI NO. 70 EYELASH CURLER = $6
$6!!!
I can’t say it is as well-made or as comfortable as the Shu Uemura eyelash curler, but it was $6 and great for in-a-pinch moments.
It curls my eyelashes better, if that helps. I notice that it grabs more of my lashes as well.
DOLLY WINK LIQUID EYELINER = $15 EACH
Amazing. I suck at liquid eyeliner application, and this is more like a felt tip pen. There’s not too much liquid, and it draws a fine, thin, precise line.
KEANA PATE SHOKUNIN PORE PUTTY POWDER = $15
Kind of hate this.
It is way too drying for my face. Even over an SPF lotion it is TOO DRY.
Not sure what to do with it.
KEANA PATE SHOKUNIN PORE PUTTY BB CREAM PACT = $15
It’s BB cream, in a pact. I was suckered in, what can I say?
It is a bit light, but enough for a quick cover.
TANK TOPS = $75 WORTH
Just like what the old men wear here in Asia!
No seriously. I bought lots of tank tops and long-sleeved basic tops in white, black and grey. They’re great to wear under clothes or just around the house.
I must have spent close to $75, and picked up about 15 tops at about $5 each.
2 JADE MARKET NECKLACES = $10 EACH
Faceted beads, the only colours I don’t have.
NEOGENCE HYALURONIC LOTION = $3
The Yu-Be cream was too moisturizing (made my skin very congested) for the humid heat here, so I was desperate to find another option.
Found this kind of watery-ish liquid that had hyaluronic lotion in it which helps grab moisture from the air onto your skin.
Can’t say I hate it, but I also don’t love it either. Doesn’t feel moisturizing, but it did help relieve my tight skin.
That’s it for October and the first half of November.
Posted in Shopping, Style & Beauty
Also tagged BB Cream, BB Pact Cream, Dolly Wink, Face Powder, Hong Kong, Jade Market, Kate Kanebo, Keana Pate Shokunin, Koji Eyelash Curler No. 70, Liquid Eyeliner, Neogence Hyaluronic Lotion, October, October 2012, SPF, Suhadafit, Therapik, UV Daily Milk, UV Mineral Base, What I bought
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Hong Kong and Macau 2012 Total Cost and How We Saved Money
As promised in an awesome infographic that I spent a lot of time on.
(Gawrsh those things take a long time!!)
Update: It is actually 24 days, because in addition, 4 days were spent traveling (time zones) which makes it 28 days, or 4 weeks.
It isn’t exactly 5 weeks (as in 35 days), but it was the tail end of one week, and the beginning of another, so I thought of it as 5 calendar weeks in my head, when the actual weeks by numbers is really 4.
I am making this long-winded note because I don’t want to redo the infographic. *sigh*
Update 2: Damn it. DAMN my OCD self. I updated it to say 4 weeks.
Here’s what the budget looks like in terms of percentages:
As you can see, flights and hotels obviously cost a lot more than everything else.
SAVING MONEY ON FLIGHTS = $800 SAVED
We took flights that had a stopover and that was about $400/ticket in savings.
Actually, this is probably better than a direct flight because it gives you a break from the plane.
Our flights were basically 2 legs: 15 hours, 3 hour stopover, 1 hour flight from somewhere in the U.S. back to Canada.
It gave us a nice break from the airplane, a chance to stretch, and either the first or the last leg was very short.
SAVING MONEY ON HOTELS = $720 SAVED
As mentioned, we stay in cheap hotels like Ibis.
There were two of them in Hong Kong — Ibis North Point and Ibis Sheung Wan, with the Sheung Wan location costing about $30 more per day.
We didn’t stay there because it was new and we didn’t know how big it would be (almost double the size of the Ibis North Point, and the size of an American-normal-sized budget hotel room).
As a result, we saved a lot by sleeping in a 120 square foot closet, also known as the Ibis North Point hotel.
SAVING MONEY ON FOOD = $935 SAVED
Food is the third biggest cost, and it could have easily been double if we had not been avoiding restaurants, and eating pre-made meals and buying fruit from a grocery store instead.
The hotels we stayed in also had mini fridges, so we bought milk for the morning and were able to keep small things in there.
A typical breakfast would be about $10 per person, and lunches and dinners are $20 per person, so had we been going out to eat every day for 24 days, it would have been $50/day per person on average.
24 days x $100 (for 2 people) = $2400 which is a reasonable budget for what we consider good food
(Also, we don’t like cheap or junk food when we go to restaurants because it’s crap, and if I’m going to a restaurant, it had better serve real food.)
Instead, we bought everything we wanted to eat (fancy yoghurts and sushi), and spent only $30.51 per person, or a little over half.
24 days x $61.02 (for 2 people) = $1464.48 is what we really spent
We saved about $935 doing that, although BF was getting antsy about the food costs near the end and wanted me to stop stuffing my trap so much.
SAVING MONEY ON TAXIS = $1000+?
We used the handy Octopus card, and spent $252.39 for the two of us to travel pretty much anywhere we liked in Hong Kong.
In contrast, taking a taxi would have probably tripled that budget, to about $1000. Or more.
$1000 / 24 days = $41.66 per day for transportation.
(We have no clue what it costs, as we don’t take taxis even in our daily lives, but if the prices are anything like in Toronto, it’s an expensive luxury.)
Cabbing to and from the airport, to and from sights and back and forth from the hotel adds up.
Anyway, the tram was way more fun and a great, cheap way to tour the city for the low price of $2.30 HKD or $0.29 USD!!!!!
TOTAL SAVINGS = ~$3455
Not too shabby.
Every little bit and every little sacrifice adds up to significant savings when you travel. That amount that we saved above, is enough for another week or two weeks somewhere.
Posted in Budget Roundups
Also tagged Budget Roundups, Cost, Expenses, Hong Kong, Macau, Money, Spending, Travel
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October 2012 Budget Roundup = -$(5019.16) or -2.42%
LOOKING BACK
This update is late because I spent most of it in Hong Kong, and whenever you’re overseas, it is a huge PAIN in the butt to access your online financial accounts without them thinking you’re some spammer or hacker.
Hong Kong Wet Market Vegetable Stall (2011 Photograph)
The good news is I got a lot of photos, and we can say we’ve seen everything in Hong Kong, and I bought all I wanted to buy.
The bad news is that Hong Kong Airport, and my flight back home was delayed for an additional 6 hours, which added a little sourness to the trip.
Not to worry, I’ve been complaining left and right today.
INCOME = $0
- Need. To. Work.
- Need. To. Work.
- Need.
- To.
- Work.
EXPENSES = $635.08
IF ONLY I could stay like this for November and December, I would be DAMN HAPPY.
I don’t have many Hong Kong expenses here, because I did most of my spending in November, the week before I left.
I don’t like to buy things ahead of time, because I ALWAYS run out of money (*ahem*) and I always end up seeing something I want to buy at the last minute.
I ended up spending about $267 on various gifts and things, which I will post about later.
My original Hong Kong spending budget was $0.
Then I decided $100 was a good idea.
Then a certain enabler on Twitter, made me realize I might as well buy some different Asian makeup brands as I won’t find them in Canada.
So my budget went up to $300.
YARRRRRRGH! *pirate face*
TOP 5 EXPENSES
Hey not bad. Rent was $300 to my parents, even though I spend 3/4 of October away from home.
NET WORTH = $202,015.70, a decrease of $(5019.16) or -2.42%
- &^#$@* stock market. That’s all I can say right now.
- I really didn’t spend $5000+ worth, but my net worth took a huge dive this month because of the economy
- At least this is an opportunity to pick up funds for cheap. I won’t be selling until I retire anyway, which is a long ways off (35+ years)
LOOKING FORWARD
The main thing on my mind is working, tying up loose ends and getting organized.
Oh and this beauty:
What? WHAT?
No, I don’t need an Apple iPad Mini (who does?), but I’m seriously considering it, because the iPad is really too heavy to carry around on a daily basis, but the size is awesome for magazines, books and sheet music.
I’m considering it for reading on the train (I have books in no less than 4 apps — Kobo, Kindle, PDF Expert and iBooks), and using it like an effing, massive iPod Touch.
First things first — Need. To. Work.










































































