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
I used to be terrible at keeping a clean house. More than once I've been called a slob, lazy and other things that hurt me, even though I could see for myself why they were said. Recently I've been embracing the way that my brain is different, and understanding that I can not (not don't… Continue reading Lazy Cleaning Strategies
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
When I purchased my house a little over a year ago, I qualified for Nova Scotia Housing’s Down Payment Assistance Program, which provided me with an interest free loan of 5% of the purchase price of my house, to use as a down payment. This program was the biggest factor in enabling me to become… Continue reading Nova Scotia Down Payment Assistance Program – 1 Year Later
I'm not a mortgage broker, banker or financial advisor. I am just a person who's been through this process recently and did a fair bit of research. I'm also a person who interacts daily with people who want to buy a home but don't know if this is a possibility for them or not. I… Continue reading Can you get a mortgage? A numbers break-down.
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