What CRM2 Means for Your Investment Statements

Your investment statements are now required to show fees and performance.

I’ve been a little MIA lately so first off let me apologize for that! December is always a busy month, and we are hosting Christmas this year which means I’ve got a long list of things to do before next weekend. I was also flattened by a bad cold last week and am just now feeling human again. Basically, I’ve had zero motivation to do anything but lie on the couch and watch Law & Order SVU on Netflix. Enough for my excuses, let’s get to a real post!    There’s a pretty good chance you’ve never heard of CRM2, […]

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Why I’m a Downtown(ish) Dweller

Why I choose to live downtown instead of in the suburbs.

It might not look like it from the summery looking shot above, but winter struck Edmonton with a vengeance this week, and it doesn’t look like there is much relief in the near future. The one positive is that we got a little bit of snow, so everything is now white instead of brown, but that doesn’t nearly make up for having to suffer through -30 temperatures for the next week or so. I really hate the cold weather…I realize I’m not alone in this and that I did decide to plant roots here in Edmonton but complaining about the […]

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7 Ways to Pinch Pennies

Save money with these 7 simple steps.

Maybe the Christmas season has you seeing red and dreading the January credit card bills, or maybe you want to set some money aside for a new car, fancy vacation or just simply increase your cash flow. Whatever the case, everyone can use a little extra cash in their wallets, especially at this time of year. Today I’m going to share a few of my favourite penny-pinching tips.    If you are dealing with a little (or a lot) of debt, you can check my post here to help you get started on a repayment plan. Every little bit of […]

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Barcelona

Barcelona Trip Guide

I am kind of in shock that it’s already been two weeks since we got back from Barcelona, it honestly feels like we landed two days ago…jet lag is for real folks! I’m finally getting down to business though and have put together the following recap of our trip and to share the wonderfulness that is Barcelona.   First off a quick shout out to AMA for helping us out and organizing a fantastic trip that ran smoothly from start to finish. If you’re a regular follower of the blog, you may remember my moment of rage when initially trying to […]

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Why I Love the Shoppers Optimum Program

Get Free Stuff with the Shoppers Optimum Program

It feels like every single store in the universe has some sort of rewards program they offer, and if you’re anything like me, your wallet is loaded down with all kinds of cards. At least now lots of places have apps, so it’s your phone that gets loaded instead of your wallet (much easier to carry). Of all these programs, though, one of the longest running and most rewarding is the Shoppers Drug Mart Optimum program. I’ve been collecting Optimum points for years and years and have received hundreds (probably even thousands) of dollars of free stuff over that time. […]

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10 Tips for a Money Savvy Christmas

How to do Christmas on a Budget

Christmas is fast approaching, and I don’t know about you guys, but I’m thinking ahead and getting started on my planning. We are hosting this year which means there are more things to prep for so I’m hoping to get most of my shopping done early so I can worry about other things at the last minute. How about all of you? Do you know what you’re doing for Christmas and has anyone started their shopping?  As much fun as Christmas is, it can also be a real drain on your savings so today I’ve got a few tips to […]

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So, Those New Mortgage Rules?

Canadian Mortgage Rules

There’s been a whole lot of chatter going on about the new mortgage rules instituted here in Canada, and I’ve finally had a chance to put pen to paper (fingers to keyboard is more accurate I guess) and share my thoughts with you guys.  The Stress Test Ok, let’s start with the most controversial change. The stress test comes into play for anyone who is getting an insured mortgage. What exactly is an insured mortgage you ask? It is when you are putting down less than 20% down and have to get the extra CMHC insurance. If you are in […]

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Home Buying Series – Closing Costs

How much will the closing costs be on your first home?

Here we go, the last post in my Home Buying Series! If you have missed any of the previous posts, you can find links to all of them at the bottom of this page. Today we’re talking about closing costs…the worst! Those pesky administration fees that will cost you a pretty penny.    So how much money are we actually talking? On average, closing costs will end up being between 2% and 4% of the purchase price of your new home. If you buy a $400,000 house, you could end up with closing costs as much as $16,000. Now don’t […]

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The Dreaded Raise Question

7 Steps to Successfully Ask for a Raise

“Women asking for raises should not only know their value, but they should ask with the confidence that they’re helping the company to be successful.”  –Senator Kirsten Gillibrand   It’s just a few more weeks until I hit my one year mark (how did that happen so fast!) with my no longer new job which means it’s almost annual review time. That dreaded moment in employment where you sit face to face with your boss and look back on all the moments you’ve excelled and also (hopefully very few) moments you’ve sucked. Annual review time also tends to mean it’s […]

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Home Buying Series: House Hunting

The house hunting process: finding your dream home

We’ve spent the last few weeks talking about the process of buying your first home and today we finally get to the fun part. If you want to check out the previous four posts in the series all the links are at the bottom of this page.    You’ve made the decision to buy a house and have your down payment saved up and have pre-approval for a mortgage so now it’s time to find the house of your dreams…or maybe the more realistic house for the current moment. Remember, very few people buy their dream home right off the […]

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