Why My Mortgage Isn’t The Enemy

In terms of debt, your mortgage is good debt. Find out why I think that and how you can use it to your advantage.

As you guys know, we recently bought a new house. And a new house means a new mortgage. And a new mortgage means debt. And debt is bad, right? Well yes…and no. If you can pay cash for something (and by that I mean charge it to your credit card for the points and pay it off stat), then you should. Paying the bank to charge to lend you money is a loss, there’s no arguing that. But very, very few of us would ever be able to afford to buy a home if we always stuck […]

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We Bought A New Home!!

We're moving! How we (unexpectedly) bought a new home and why is was the right decision.

If you follow me on social media, you may already know this, but I have some exciting news to share. The bf and I have bought a new house!!! We’re going to be packing up and moving a whole three blocks from our existing place to a house that’s more suited for the long term. To say we’re committed to the neighbourhood doesn’t quite do it justice. I’m thrilled about the new place but also anxious about the whole thing because it was completely unexpected. Our original plan was to potentially move or rebuild on our existing […]

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Have We Forgotten How To Save?

Finding saving money hard? You're not alone. Let's talk about the why and the how to fix that!

It’s no secret that we’re not saving money at the same rate we used to. In fact, in the 80s (not that long ago!), Canadians used to save twice as much as Americans. Today, however, household savings rates in our country have fallen to only 4.2% of disposable income, compared to 5.5% among U.S. households. Let’s be honest, neither of those numbers are great, but that’s a significant drop in the past few decades. Competition with our southern neighbours aside, this is cause for concern because a lack of savings can mean having to work longer and […]

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The Call That Saved Me $1,200

How to negotiate your recurring bills and save money every month!

You’ve probably heard that it’s a good idea to contact your service providers every year or so and negotiate your rates. It’s good advice, but how many of us actually do it? I try to stay on top of it, but it’s a chore that I often procrastinate about. A couple of months ago the rates for my TV and internet jumped up because an existing promo rate expired. I know, I know…I should have called months ago. Bad personal finance blogger! I also still pay for TV so you might as well take away my PF […]

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The Best Money Apps For Canadians

Want to save money with your phone? Try these ten budgeting and money saving apps!

There is hardly a moment in the day when my phone isn’t within a few feet of me, and that’s hardly mind-blowing. I’m sure 90% of you are the same. Our phones have become the way we stay connected, keep our schedule, get our news, play games, track fitness milestones, pay bills and so much more. Today I want to put that little device to use for the good of your finances with a round-up of the best money apps for Canadians. Sometimes us Canadians get the short straw when it comes to tech and online services. We’ve […]

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Road Trip 2018 Recap

Road trip through Drumheller, Yellowstone National Park, Sandpoint, Banff and Jasper

Anyone else find it impossible to get back in the groove after vacation? That’s so me right now! I was only away for just over a week and then had a few extra days off work (brilliant idea past self) but I’m still getting back into a routine. As many of you will already know, the bf and I hit the road to explore a few new to us spots in Canada and the US. I will say I was a little hesitant to travel south of the border, but luckily everything went smoothly. We had the trip […]

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Why You Should Start Planning for Christmas Now

Did I just say Christmas? Yes, yes I did. You’re probably saying ‘TOO SOON SARAH’, and I get it, trust me. Summer has hardly even started, and I already want you to start thinking ahead to winter…gross! But that doesn’t mean I’m not right. Christmas can be hella expensive, but planning ahead can save you time, money and stress. So yes, we’re talking Christmas planning today folks. I have been the person frantically running around the mall the week (the day) before Christmas attempting to grab some not terrible gifts. Usually, this happens because I was unprepared […]

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Blogger Round-Up: Who’s On My Reading List

Expand Your Reading List with Ten Of My Favourite Personal Finance Bloggers

As you read this, I will be exploring all that Yellowstone National Park has to offer. The bf and I headed out on a road trip this past weekend and headed South into the states to check out a few points in Montana, Wyoming, and Idaho for the first time. If you’d like to follow along on the adventure, then hit up my Instagram where I’ll be sharing a few pictures and stories. While I’m away, I wanted to point you in the direction of a few of my favourite personal finance bloggers so you can still […]

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Canadian Mortgage and Housing Corporation (CMHC)

What Canadians need to know about CMHC and their mortgages.

If you own or are planning to buy a home in Canada you have likely heard of the Canadian Mortgage and Housing Corporation (CMHC). They are a crown corporation that is assigned the task of maintaining Canada’s housing market on behalf of the federal government. It has been around since 1946 and was initially created to help house veterans returning from WWII. While the creation and maintenance of affordable housing are still one of the mandates of CMHC, they have also branched out into insuring mortgages and developing policy. The reason we’re talking about CMHC today is […]

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Investment Principles for the Uninterested Investor

Know you need to start investing but just not that interested? Check out my 8 investment principles for beginners!

Sometimes I wonder how it’s possible I ended up blogging about personal finance. There is so much of it I find incredibly boring! I don’t like math, I like the results of investing but the process is a drag, and I would way rather spend money now than save it for later. Stick with me though…I don’t think it’s a bad thing. In fact, I think it’s relatable. I might be in the minority when it comes to personal finance bloggers, but outside of our community, there are a lot of people who lack an interest in […]

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