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Opinion Pieces

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Owning your own home is the dream right? Even with the current bloated house prices and terrifying real estate market 86 percent of millennials still consider home ownership important. The problem? It costs a hell of a lot of money to buy a place. The average house price in Canada is sitting at $504,458 (as of June 2017), so even if you put down the smallest possible down payment, that is still going to be over $25,000. If instead, you want to avoid having to pay additional mortgage insurance to CMHC, you are going to have fork over a 20% down payment, and that will cost you over $100,000. That’s a lot of money, and it doesn’t even factor in the additional costs associated with your first home. And I’m going to go out on a limb and guess that you don’t have Rihanna levels of money…you know, since you’re reading…

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 by Sheryl Sandberg and she talks a lot about the importance of having a partner who pitches in. I totally get that! Honestly, I don’t know how some women handle working all day only to go home and have to do the bulk of the childcare and housework. And I don’t even have kids. It’s a much more even split in my house, and I wish that were the norm for everyone.…

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 generations have different views on work and how it fits into their life. Just look around the internet at all the bloggers, social media consultants, etc. who have built up a career for themselves in a field that didn’t even exist a few years ago. Entrepreneurship is at an all-time…

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 charge of making sure you know what’s up! Sure you can blame a lack of education as the reason you are in debt and don’t have a handle on your money, but nobody is going to give you much sympathy. Everyone’s in the same boat. Humans are not built with…

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 finance is that it is dominated by old dudes (especially in the more traditional sense of banks and brokerage houses). This lack of perspective can make us younger, female investors feel left out and awkward about getting serious about our money. There are however some super awesome ladies in the personal…

If you’ve been on the internet at all in the last week you’ve likely heard the debate over millennials, home-ownership and avocado toast. Small sidenote, you know it’s a thing when you can so easily find a free stock photo 😉 Australian millionaire, Tim Gurner, did an interview with 60 minutes and spewed some advice and threw avocados under the bus as the reason millennials can’t afford houses. (Ahem, millennial homeowner over here) He was quoted as saying: “I have seen young people order smashed avocado with crumbled feta on five-grain toasted bread at $22 a pop and more. I can afford to eat this for lunch because I am middle aged and have raised my family. But how can young people afford to eat like this? Shouldn’t they be economising by eating at home? How often are they eating out? Twenty-two dollars several times a week could go towards…

Today I’m taking a little break from talking about money and am instead going to daydream about my travel bucket list (you know, where I would go if I had ALL the money). Lately, I’ve been feeling plagued by the travel bug and have been dreaming up all sorts of places I would like to plan a trip to. We were in Barcelona last November, and I fell in love with the city, and it made a short trip to Europe seem completely doable. Before we went, I was a little hesitant because I didn’t know if it was worth it to go all that way just for a week, but let me tell you…it sooooo was! The one downside though was that a big trip in November meant we were stuck in Edmonton for the whole winter. And by whole winter I am including the April snowstorms that have…

Shit happens… We all have a mortifying story we’d rather keep under wraps, right? Please tell me I’m not the only one! Feel free to share yours in the comments (anonymously if you prefer) and make us all feel a little better about ourselves. Where am I going with this? Well, it’s embarrassing storytime! Last month I was in a minor car accident. That sucks, but what makes it even worse is that I ran into a parked car. Ugh. You might be thinking, how does that even happen, and that is a very valid question. Unfortunately, I don’t have a good answer. I’m not actually a horrible driver, but that doesn’t mean I wasn’t still (at least partially) to blame. Up here in freezing cold Edmonton, we often find ourselves dealing with some pretty treacherous winter driving conditions, and this was one of those days… The Dirty Details I…

I get so frustrated talking to people who don’t know basic things about handling their finances. Now don’t get all defensive if you feel like you are in this situation because I’m not mad at you! What I hate is that we don’t give people the tools to handle money when they are young. Really, what could be more important than ensuring children and young adults know that going into debt is bad and that starting to save early is essential? Apparently learning advanced algebra and who fought who in WWII are higher priorities. Just last week Ontario was making headlines because they are (finally) launching a pilot project to incorporate financial education into their schools. Their hope is to create a new course that will be implemented in the Fall of 2018. Obviously, it’s still a work in progress, and we don’t know what the actual curriculum will be, but…

I was recently listening to the audiobook version of ‘#Girlboss’ (worst title ever) by Sophie Amoruso, and there was a section in the book that talked about stress that stuck with me. The rest of the book was just ok. I liked Sophie’s no-nonsense attitude, but listened to it as an audiobook and found the narrator to be a bit annoying. It was also the very first audiobook I’ve every listened to (I talk about that here), so maybe my lack experience was a factor. Is that a thing…do your audiobook listening skills improve with practice? The quote that got me thinking was actually from a section written by Leandra Medine (an author and fashion blogger over at Man Repeller): “I also think you age a lot quicker if you can’t keep yourself busy and under the right, healthy dose of stress. Too much of anything obviously isn’t a good, but as…