Learn how to identify and work toward your Financial Goals.
New Years Goal Setting
Canadian Budget Blog Posts
2021 Year In Review
Looking back at the past year, in review, there have been many challenges of course. COVID continued, work was a never ending challenge to keep up with constant changes in plans, and personally, we lost my father in law unexpectedly. Top 10 wins of 2021 I want to focus on my wins of the past […]
Baby is born… Now what?
Baby is born… now what? On top of the oodles of love, dozens of appointments, bazillions of pictures, stress and sleepless nights, what are the things you need to do now in terms of paper work, registrations, and RESP’s once baby is born? In Ontario, Service Ontario has a bundle arrangement where you can get […]
Planning for Maternity Leave
So you are expecting a baby, and now need to plan for maternity leave. Deciding how long you will be off work may depend on what coverage (if any) you may have for income while on maternity leave. How long of a maternity leave to take I live in Canada where we are entitled to […]
Learnings from an unexpected loss in the family
Unexpected Loss in the family Last year we tragically and unexpectedly lost a close family member, my father in law. As tough as it is for anyone to deal with a loss in the family, there are so many tasks that need to be done, logistically speaking, after someone passes away. Someone needs to make […]
How to Level Up Your Budget
How To Level Up Your Budget We have all heard the saying, you can’t track what you don’t measure, so how do we know how well we are doing on our budgeting goals if we aren’t tracking it well?? Here are 4 tips to level up your budget! It’s not enough to just set a budget […]
Why Debt Avalanche is Underrated
Why Debt Avalanche is Underrated Paying down debt is a really important step in everyone’s financial journey, and you may not know it, but Debt Avalanche is underrated for accelerating your debt payoff. When it comes to well known debt repayment strategies, Debt Snowball gets the most press. But have you heard of the Debt […]
ETF’s vs Stocks
Comparing ETF’s vs Individual Stocks Want to start investing, but have no idea where to start or what investments to choose? Choosing between ETF’s vs stocks is one decision you may need to make. If you are turned off by the high cost of the top stocks to purchase just a single share, you are […]
Budgeting for Beginners
Budgeting For Beginners Today I want to start with the basics of budgeting for beginners. Before we dive in, a big CONGRATS to you for starting to take steps toward improving your financial literacy and skills! Its not easy to try something new and step outside of your comfort zone, but this is where growth […]
4 simple ways to get a financial head start
4 ways to get a financial head start on the year! We all have resolutions and goals for the new year! Some are around fitness and health, but others can be about being smarter with your money! If managing your finances is one of your goals this year, here are some steps to give you […]
Selling on Facebook Marketplace
Selling on Facebook Marketplace In organizing the house for our upcoming move, hubby and I realized we had a lot of books we feel comfortable selling or donating. So I decided to get rid of them by selling on Facebook Marketplace and a few days later I made a sale! When I first moved in […]
Good Reads: Work Optional
Work Optional Book Review Have you ever dreamed of a work optional life? I love reading books on personal finance. I have read quite a few and always take out multiple books from the local library any time I go. The Work Optional book stood out for me among the books I have read, so […]
New Year Goals!
My Goals For the New Year With a new year always comes resolutions and goals. Right now its difficult to put a finger on my financial goals since we have sold our condo and are looking for our next home before we close in March. So we don’t know exactly what our expenses for the […]
Selling our home in a Pandemic
Home selling in a pandemic Well, We did it!! We sold our Condo! Selling our home in a pandemic was not easy. But I think it was the right decision for us at the time. Why did we decide to sell? 1. Mortgage was coming up for renewal, seemed like a good time to try.2. […]
Good Reads: Millionaire Teacher Review
Millionaire Teacher Review Just finished this great book that I had seen and heard a lot about, and I’m glad I did. I saw another Millionaire Teacher review and was intrigued to pick up the book. Becoming a millionaire on a teacher’s salary is just what author Andrew Hallam did. Reading just the title I […]
Bank Rates and Fees
Understanding bank rates and fees for Canadians. How to lower your bank fees. Are online banks legit?
Learning about Money
Learning about money What is the earliest memory you have when it comes to learning about money? A lot of us don’t get a lot of exposure to education around money and personal finance until we are already adults and our money habits and associations have already been formed. Most Canadians learned their money habits […]
When is the right time to move?
The right time to move My Husband owned the condo we lived in before I moved in, and we married. Now that there are two of us here, I work from home, and we are planning for the long term. We need more space and want an area that can work for us for years. […]
September Diet: How Diet and Savings are tied
As a serious coffee drinker, I didn’t think I could undertake this challenge. My husband and I decided to do a 30 day diet plan to try and shed the quarantine 15! Part of it includes cooking/prepping all meals and snacks from real whole foods, and NO CAFFEINE! First 2 days there were caffeine withdrawal […]
My Experience using a Roboadvisor
What is a Roboadvisor? A Robo advisor is an investing service which relies on algorithms to build a portfolio for you based on your risk tolerance and investment time horizon. There are no individual humans picking the funds for you, so there is lower cost, and its very easy to use for beginner investors. The […]
50% savings rate
How we achieved a 50% savings rate A bit of background: We are DINK’s from Canada (Double Income No Kids). We own a condo and purchased our car outright. We have no consumer debt, only our Mortgage. We are not specifically aiming for FI/RE but I am a bit obsessed with Retirement Savings. I admit […]
7 Hidden Fees To Avoid
7 Hidden Fees To Avoid As Canadians we pay a TON of fees, make sure you are aware of these 7 hidden fees to avoid in your every day life! High Interest rates and hidden fees eat away at your hard earned savings! How can you make sure that your gains aren’t being eaten up […]
How do you Spend and Track your money?
How do you spend and track your money? Are you someone whose wallet or pocket always has Cash in it? Or are you strictly plastic – whether that be debit or credit cards – for purchases? I am the latter, for two reasons: first because I find it easier to track since you don’t have […]
Paying down debt
Paying Down Debt Carrying debt can feel like carrying a ball and chain around your neck. You feel heavy, stressed, and anxious about life. If you are ready to make a change, there are several ways you can focus on how to become debt free. For most of my early adult life I was focused […]
I Love Budgeting!
It’s TRUE, I love budgeting. Budgeting is something that puts me in my happy place! Many people strongly dislike the word budget and what it brings to mind. People think of harsh restrictions and micromanagement of their spending. But it doesn’t have to be that way. If you prefer, you can call it a spending […]