The best place to start when you commit to your FI journey or just want to save money is to look at recurring expenses. For us, one bill that seemed high was our internet. We were paying over $100/month which at the time, didn’t seem to be bad. When I asked other people what they…
How much of your life do you spend commuting?
I had never given much thought to this question before. I thought that commuting was just one of those things people had to do. The majority of people that I know commute. It is something we have just accepted as an absolute in life. If you have to commute to work, you pay with two…
How An Early Morning Routine Can Change Your Life
I feel like I’ve snoozed the best years of my life away. Being a naturally lazy person, I’ve filled my life with t.v., eating, alcohol, screen time, and sleeping. For as long as I can remember, mornings have never been pleasant, except the weekends of course. My routine went something like this. Sleep in as…
Everyone Remembers their First Stock
I first became interested in stocks during the winter of 2015. Shortly after my daughter was born, I began subscribing to Money Sense Magazine. Back then it had a print version that could be sent to your house. I loved reading through all the articles on saving such as car insurance and cell phone plans….
How to Get Started with a TFSA
One of the greatest vehicles Canadians have to grow their wealth is a Tax Free Savings Account (TFSA). The TFSA began in 2009 for Canadian residents and every calendar year since, Canadian residents have had an opportunity to invest a growing amount into their TFSA. Year Contribution Limit 2009 $5000 2010 $5000 2011 $5000 2012…
Everything You Need To Know About iShares All-in-One Portfolios
When I first started investing, I had no idea what an exchange traded fund (ETF) was. The only investment vehicle I was ever taught about was mutual funds. My financial advisor would recommended mutual funds but I had no idea what they meant. They had fancy names like Strategic Income Fund and Global Infrastructure Fund….
How to Save $40 000 On Your Cell Phone Bill!
When I was growing up, there was only one place you could reach someone… and that was through their home LAN line. I’m not sure what my parents paid for it but I’m positive it was less than the standard cell phone plan. And I’m also sure my parents’ LAN line phone didn’t cost close…