My $19,000 credit card is almost paid off. I am slowly but surely managing to get ahead on a low income. Looking back at how far I've come, it's hard to believe that I now own a home, that I have investments, that I am easily keeping up with my budget. And I don't feel… Continue reading Getting Ahead on a Low Income
20 years ago, I went to the DMV and wrote my drivers test. Then I lived in a city for 12 years which I found prohibitively expensive to own a car. I worked downtown, where parking was incredibly expensive, so I took the bus, and was pretty content with that for many years. When I… Continue reading Owning a Car – The Pros and Cons
Most lower income earners recieved bi-weekly pay cheques, so typically get paid twice a month. Most of the year we use these to cover all of our expenses and try our best to stay on top of things as best as we can. But about twice a year the stars align and we get a… Continue reading 6 ways to use an extra pay cheque
Remember that financial plan I wrote last month? The one where I said I was going to pay off all my debt, then start investing. Well I didn't. I just couldn't wait to get started for even one more day. Sticking to a plan can be hard sometimes, and I'm just as guilty as anyone.… Continue reading Investing Mistakes and Lessons
Listing price, mortgage rate, down payment, taxes, fees, insurance. There is so much more to the cost of home ownership than people often stop to think about. Sorting through all the information can be challenging, especially when resources from Nova Scotia are pretty hard to come by, and most examples feature houses that are double… Continue reading The real cost of home ownership
