The #1 Way to Make Managing Your Finances a Cinch

Automation is the key to get your money working for you.

I am lazy. There are very few things that sound better to me than ordering in dinner, pouring a glass of wine and sitting in front of the TV to binge watch a new show. Even if I make plans, I very often dread them until I’m actually out the door and on my way. I know this about myself. I will put things off until the last possible second…you can call me the Queen of procrastination. I’m also a rule follower, so missing a deadline would be worse than doing the work. My life is basically […]

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Balancing the Splurges with the Scrimps

Where I Splurge and Where I Scrimp to Keep My Budget Balanced

This post is inspired by one of my favourite fellow finance bloggers, Lily from The Frugal Gene. She writes a recurring series about her frugal wins and frugal fails, and it got me thinking about where I spend and save my money. You guys know that I’m not going be winning any awards for my frugality, I’m a bit of a spender. I counteract those spendy habits by finding things I’m willing cheap-out on. Balancing the splurges with the scrimps keeps me on track with my savings goals while still having fun in the present. The Scrimps 1. […]

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Why I Don’t Regret My ‘Useless’ Degree

After graduating from high school, I did what many privileged kids do when they’re not sure what’s next…I went to university. I was 18, a good student, and completely clueless when it came to a career path. Some of my friends knew exactly what they wanted to do; be a firefighter, a teacher, an engineer just like their Dad or a nurse because the parties were better. Then I had friends who had no plan…I fell squarely in that group. I also had parents who highly valued education, both had university degrees, and saved up money in an […]

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How to Christmas When You’re Broke

Christmas is supposed to be fun. Families getting together, exchanging gifts, sharing laughs, and eating way too much…good times. If you’re struggling to make ends meet though, Christmas can be incredibly stressful. You’re supposed to decorate your house, host elaborate dinners, buy gifts for friends, family, co-workers, neighbours, and basically everyone you’ve ever met. It’s a lot! I get it, I used to be a broke college student and didn’t have much left in the bank to cope with Christmas. And I was lucky, I only had a small family to deal with. Let’s try to eliminate […]

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Travelling with Doggo

A few weeks back we packed up the car and headed to the mountains for the long weekend (it was Thanksgiving for us Canadians). There’s nothing unusual about that. We’re lucky to have both Banff and Jasper about 4 hours from Edmonton and try to make it out once or twice a year. For some reason, everyone always thinks Jasper is so much closer, but they are almost the same distance (per Google driving directions). Anyways, this time around we hit up Jasper and decided to bring one of our dogs with us. Just one?! (Insert shocked […]

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Choose Your Budgeting Adventure

Which budgeting style is right for you?

There is nothing I recommend more to people wanting to understand their finances more than a budget. Seriously, it is an essential first step. Budgeting, Really? Yes, really! What’s the first thing you think of when you think of budgeting? Unless you’re a fellow personal finance geek, you probably had words like ‘boring‘ or ‘uncool‘ or ‘not my thing‘ cross your mind. It gets a bad rap, but that’s just not fair. Nothing can turn your financial life around faster than the right budget. Notice how I said the right budget? I truly mean that. Your budget can […]

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You Don’t Need to Love Math to Love Finance

Can you hate math and still get rich?

Confession: I hate math… And right now you’re all sitting there thinking ‘But Sarah if you hate math so much then how the heck did you end up working in finance and writing a blog about money?!’  You’re not wrong to be a little confused, but let me try to justify my life choices. For as long as I can remember, math was always my least favourite subject in school. I struggled through, but my brain just wasn’t built to comprehend algebra and trigonometry. I have memories of my engineer (aka math brain) Dad attempting to patiently walk […]

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Is Investing Scary?

Why aren't millennials investing as much as prior generations?

Are you saving money every month? If yes, where does that money go? Into a savings account at the bank or into an investment account like a TFSA, RRSP or trading account? Do you buy stocks, mutual funds, or ETF’s? Or do you stick with the security of cash, money market funds, or GIC’s? Or are you sitting there reading this wondering what the heck I’m even talking about? There are no wrong answers, but let’s be honest, some yeses are better than others. Millennials Aren’t Investing Even though many millennials have started saving for retirement, the […]

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10 Free Things I’m Loving Right Now

You don't have to spend money to find something you love.

I have a bad habit of spending money online when I’m bored, and this becomes more noticeable when the weather cools down, and I spend more time indoors (browsing the internet). Anyone else have the same problem? I also find that this time of year has me craving a wardrobe refresh, even though I don’t need new clothes. To keep myself from spending money I try to distract myself with things that are free. I’m kind of like a dog. If I’m kept busy and entertained, then I won’t get into trouble. (cue cute dog GIF) In […]

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Some Jerk Stole Your Identity…What Now?

The recent Equifax hack has plenty of people concerned about identity theft and curious to know what steps they can take to keep their information protected. I’ve been lucky (knock on wood) and have never had to deal with a serious case of identity theft. I have had fraudulent charges on my credit card, but that’s so common now that it almost feels like a right of passage. Those are fairly easy to deal with. In my experience, I was able to contact my credit card company and have the charges overturned within a week. That meant I was […]

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