5 Money Lessons I Wish I Learned Sooner

What I Would Teach My Younger Self About Money

Through my 30 years of living, I’ve had moments where I’ve been great with money and moments where I’ve been down right bad. I don’t have any big ticket purchase regrets, but I’ve bought loads of small items that were a complete waste. And you know why? I didn’t realize the consequences of irresponsible spending until I was much older (and I even had good financial role models in my parents). I was lucky to not get myself into more trouble because of my lack of knowledge. When you’re a teenager you don’t necessarily concern yourself with the future but […]

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Interest Rates are Up, Up and Away

What you Need to Know About Rising Interest Rates

You’ve likely already heard that the Bank of Canada raised their overnight interest rates last week from 0.5% to 0.75%, but do you really know what that means and how it affects you? For the last decade, we’ve been living with historically low rates in Canada. This is the first time in 7 years that rates have gone up. If you’re a millennial like me, you’ve lived almost your entire adult life under these conditions, but that doesn’t mean it’s the norm. Take a look at the graph below; it was way back in 2008 when rates plummeted after the […]

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No, I Won’t Do 61% of the Housework because I’m a Girl

The gender gap at work and at home.

This one is for all the couples out there. I’m intrigued by where you guys and gals sit on the gender division of labour? You know, who brings home the most money and who takes on the bulk of the household chores? Are you even splitters (high five!) or does one person take on the bulk of the work?   I was recently reading (listening – that always feels weird for me to say when talking about books), Lean In (yes, that’s an affiliate link, and you can get more info on my disclaimer) by Sheryl Sandberg and she talks a lot […]

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Keep your Food Budget in Check

Lower your Food Budget without Wasting Time

 Today we’re talking about food…whoop! Eating takes up a lot of my time. That’s kind of embarrassing to admit, but it’s the truth. Not only because there’s the meal planning, shopping for food, cooking and the actual eating part but a lot of my social activities also revolve around food in some way. Whether that’s going out for dinner with friends or going to a baseball game and getting a hot dog (because you can’t not do that). This also means that food makes up a sizable portion of our monthly budget. So, how do we keep that in check? […]

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10 Reasons Why I’m a Proud Canadian

Why I'm Proud to Be a Canadian

If you haven’t heard, it’s Canada’s 150th birthday today! Us Canadians aren’t known for our bragging skills, but I thought I would take a quick minute to put out a non-money related bonus post and do just that.  1. It’s pretty damn gorgeous up here. Between the Rocky Mountains, the never-ending prairies, the small fishing villages, and the good side of Niagra Falls, Canada has pretty much everything you could want when it comes to geography. And the weather really isn’t that bad! Sure our winters are cold, but we’re a tough bunch, and that just makes us appreciate our […]

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Working 9 to 5 is Old News

Millennials want work/life balance

How many of you work a standard 9 to 5 job? And of those who answered yes, how many wish that weren’t the case? I’m guessing there are a lot of hands up to the second question, and I am right there with you. Improvements in technology over the last couple of decades have made it possible for you to keep up with your work and not be tied to an office. As an example, I’m currently sitting on my deck, in the sun, on a Monday while writing this post (thank you laptop, WiFi, and flexible job). The younger […]

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Financial Literacy is Your Responsibility

Take responsibility for your financial well being by using some of these resources.

I hate the fact that you go through 12 years of school and come out the other side knowing little to nothing about finance. You’ll be taught how to solve complex algebra equations but have zero clue how interest rates work and how detrimental credit card debt can be. I promise you, the ability to do algebra has never once helped me get a job or complete a work project, but knowing how to balance a budget sure has. There has been some movement to correct this, but not fast enough. You know what that means though? You are in […]

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How much is that doggie in the window?

The true costs of pet ownership from a two dog, two cat family.

**This post may contain affiliate links, which means I get paid from the company if you purchase the product. For more information, you can check my disclaimer, and I promise to only recommend products I’ve tried and love.** Pets…they are my most treasured possession and the bane of my existence. Ok, maybe that’s a little overdramatic, but they have their moments. The bf and I are the proud parents of two dogs and two cats and, while I love them all to bits, they cost a lot of money and require a lot of time. If you follow me on […]

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All the Finance Ladies ♪

Female personal finance bloggers round-up

When you guys are reading this I’m going to be road tripping across Alberta and BC, and enjoying all the grape inspired beverages that the Okanagan has to offer. You can follow along with my adventure on Twitter or Instagram if you’d like. Instead of a regular post, I thought I would take the opportunity to share a round-up of some of my favourite bloggers. Go check out a few of their posts and catch me right back here next week when I’ll be talking about everyone’s favourite topic (or maybe just mine)…pets!   A common complaint about the world of […]

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What to do with Windfall Income

What to do if unexpected income comes your way.

You’re going along, living your life, and then all of sudden something happens, and you find yourself with extra income you weren’t prepared for. This can occur for a variety of reasons, some great (bonus from work) some horrible (a loved one passing away). Whatever it is though, you should take the time to plan your best course of action and know any tax consequences that might be coming your way. Inheritance Let’s get the hardest one out of the way first. If you are getting an inheritance it means that someone close to you has passed away, so not […]

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