Pet Insurance

Today I want to talk about pet insurance. It’s kind of a divisive topic, some people swear by it, and other people hate it with a passion. I guess I fall somewhere in the middle of the spectrum. It has become much more common in recent years, and today we’re going to talk about my experience and why exactly I chose to get insurance coverage for my furry friends. I’ve talked about my critters on the blog quite a bit, but for any newbies, I’ve got two dogs and two cats. I actually only have insurance for […]

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Prioritizing Your Money

What to tackle first? Pay down debt or build savings?

Save, spend or pay off debt? Where do you start when you’re finances are a bit of a mess, and you are determined to get back on track? It can be completely overwhelming trying to get started, and I think that’s why so many people delay taking that first step or fall back on bad habits after a setback. What you should know though, is that it really doesn’t need to be complicated. Yes, turning around your financial health will be tough and you’ll have to make some sacrifices, but the actual system is straightforward. There are […]

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Why Owing at Tax Time is a Good Thing

Why it's not such a bad thing to owe money at tax time.

If you’re like me and haven’t filed your taxes yet there’s probably a pretty good chance it’s because you owe money to good old CRA. When I was just out of school and had all those education credits to claim I always had my taxes filed within days of receiving all my slips so I could get that refund. These days I seem to owe every year, so I procrastinate for as long as possible. Now, who hates having to pay up come tax time? Everyone right…my hand is raised. The thing is though, it’s actually a […]

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