My family and I are generally very frugal. We keep our basic expenses as low as possible, to make room for the things that matter most to us, and one of the things that is important for all of us is technology. We use a mix of desktops, Surface tablets, and smartphones to stay in… Continue reading How we use Microsoft 365
Category: Money & Finances
Financial Resolutions for 2022
In honour of it being New Years Eve, I wanted to share my financial resolutions for 2022 and the future beyond. In 2020 I bought my first home. In 2021 I paid off my credit card debt. And what exciting progress will 2022 hold for me? I can't wait to find out! I've been giving… Continue reading Financial Resolutions for 2022
Breaking Dave Ramsey’s Baby Steps
Is breaking Dave Ramsey's baby steps a better way to financial freedom? For me, it might have been. I think almost everyone who is interested in personal finance or paying off debt has heard of Dave Ramsey and his baby steps. He's a financial guru who's program has undoubtably helped a lot of people get… Continue reading Breaking Dave Ramsey’s Baby Steps
Debt Free! $19,000 in 19 months!
Today is the day I have been working so hard to get to. It is the day that the bad choices of my past cease to hold me back. It is the day that my goals shift towards the future. Today is the day I paid off my credit card! Today I am debt free!… Continue reading Debt Free! $19,000 in 19 months!
Getting Ahead on a Low Income
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
Owning a Car – The Pros and Cons
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