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Opinion Pieces

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There’s no quick win when it comes to getting rich. And don’t even come at me with that ‘but you could win the lottery’ BS! It takes time to pay off debt, create good budgeting habits, and build your investment portfolio. That’s just life, but it doesn’t exactly encourage good behaviour. Spending money gives you instant gratification. You see people around you doing things you want to be doing (hello imposter syndrome!), and it’s hard to feel like you’re missing out. Saving money doesn’t give you that same instant boost. Sure, it will be great when you’re retired, but that’s SO FAR AWAY. The hardest part of your journey towards financial independence will always be the beginning. You’re motivated and ready to jump in with both feet, but you probably don’t have the high income or the pre-existing investment base to fuel instant returns. It’s slow, and that motivation can…

Frugal living is a trendy topic, especially if you linger around the personal finance community for any length of time. It’s promoted, judged, and debated on almost a daily basis. In the Rockstar Finance Directory alone there are almost 100 personal finance bloggers who categorize themselves primarily as ‘frugality’ bloggers. This list includes blogs like Frugalwoods, How to Save Money and Keep Thrifty. That list does not include me. As many of you who follow the blog will know, I’m a spender. I like doing things, buying things, eating things, and drinking things. And that’s ok. There’s this misconception that being good with money and living frugally go hand in hand. They can, but they don’t have to. It depends on what your goals are. What Does Frugal Mean? You could ask one hundred people to define frugal, and you’d likely get one hundred different definitions. If you ask Google,…

Last month I celebrated my 32nd birthday. I’m not a big birthday person. My usual celebration is dinner at an upscale restaurant with the boyfriend and my folks and then a girls night with a few glasses of bubbly. Birthdays do get me thinking about where I’m at and if I’m happy. Reflecting on the good and the bad from the past year helps make sure I’m on the right track with my finances, my career and my personal life and set goals for the upcoming year. And because I’m a blogger, I figured hey, why not write a list of goals for your 30s for myself and you guys. All of these are things I’m working on, so join me and let’s nail this whole 30s thing. 1. Pay Off Debt It’s time; debt was so last decade. Whether you have high-interest consumer debt or are plugging away at your…

Today is International Women’s Day, and to celebrate I’m joining the #WomenRockMoney movement. The mission? Get more women involved in money and work towards equality. My contribution? I want to let all you ladies off the hook and motivate you to close the investing gap. For more inspiring posts head over to the WomenRockMoney headquarters, and get involved by sharing your money wins using the #WomenRockMoney hashtag. There’s this mentality that women need to be kind, nurturing, and accommodating, while also running the world from the backseat. This piles on the pressure and makes us feel like we need to do it all. But guess what? You don’t! There is nothing wrong with being a master at some things, mediocre at others, and even downright bad at something else. Everyone has strengths and weaknesses (that makes you human), and there is no shame in asking for help. Offloading the tasks you…

Ok ladies and gents…we’re talking about periods and the tampon tax today. I feel like I need to put a disclaimer on that so if my Dad ever stumbles across my blog, he can stop reading. I consider myself a feminist, but there are specific details about my leak week that I’d rather not share with certain people. Clearly that’s not internet strangers! If you don’t like where this is going then feel free to bow out (but also realize that you might be part of the problem, just saying.) Recently there have been reports about the outlandishly high cost of feminine hygiene products in some of Canada’s largest airports (Calgary and Vancouver). It’s ridiculous to charge $15 for a box of pads or tampons, and the stories have stirred up the debate about women having to pay for their periods. Apparently, only bread gets its own price-fixing scandal. In…

You know how people always preach about the importance of goal setting? Especially at this time of year when New Years Resolutions are flooding your feeds. Well, I have a confession…I am terrible at goals. I’m terrible at setting goals, and I’m even more terrible at following through with them. I’m working on it though. I guess you could say that one of my goals is to be better at goals. The Goals This year I’ve got five goals I’m going after, and they cross most sectors of my life. Some of them are big important goals and others, well…not so much. None of them are incredibly lofty, but I’m trying to set myself up for success here. Workout Four Times a Week Ok, this is one of those resolutions I make every year that ends up being a fail. Exercise and I are not BFF’s. I go through spells…

Instead of rounding up a bunch of my favourite personal finance posts from this past year, I thought I would put the pressure back on a few of my fellow bloggers and make them choose one of their own. Some found it more challenging than others (Liz compared it to choosing a favourite child), and others cheated and gave a couple of options 😉 Overall though, there were some great submissions, and I found it interesting to see what people chose in comparison to which of their posts stuck with me. How I Became the Dumpster Dog (or, How I Saved $30,000 in 8 Months) by Amanda from Dumpster Dog Blog I could (and would) have chosen any number of posts from Amanda because she has been killing it this year, but she went with her origin story. If you ever wondered how the ‘Dumpster Dog’ came to be, well,…

Is university useless? If you’re considering attending post-secondary then you’ve likely asked yourself this very question. And you’ve probably gone back and forth between yes and no. There are a growing number of career paths you can choose that don’t place the same value on a university degree as others did in the past. This means the answer is very specific to what you want to do with your life, and with the growing cost of education, that’s an important thing to figure out before forking over the big bucks. 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…

As many of you will know, I have a house full of pets. Two dogs and two cats to be exact. But one thing I’ve never done is take them on a trip. Finding a pet sitter can be a challenge but I’m lucky to have my parents nearby and they always take care of the gang when we travel. This year though, the boyfriend and I wanted to give travelling with pets a shot and packed up our easiest to manage pup for a weekend getaway to the mountains. Just one?! (Insert shocked emoji face here)  I know, I know, bad pet parents. Our dogs are wonderful, and honestly, if I had to play favourites, the one we left behind would actually be number one in my heart. Sorry Bree, but you did get to come to Jasper. Our Boxer (Baxter), is very sweet and cuddly, but also a…

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 me through my math homework and me having multiple meltdowns because he didn’t do it the same as my teacher. That’s how math brains work; they can just figure out complicated problems. For me, it was more about memorizing steps than ever actually understanding what I was doing. I went to University without…