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Featured personal finance tools. Online savings accounts that pay 1.50% interest with an easy-to-use interface, unlimited Interac e-transfers, and custom goal setting. A prepaid Visa card with built-in features to help you save more automatically. Earn YOU DON'T ACTUALLY NEED TO BUY A HOUSE: HERE'S WHY So yes, I am all aboard team bought-a-house – but you don’t need to buy a house to save money, earn money, or be a “real adult”. I promise. First, let me step back and give you some context on how and why I bought a house, so we’re all on the same page here. HOW TO SPLIT GROCERY EXPENSES WITH ANYONE This system is great because it’s so flexible. It can scale down to accommodate roommates who sometimes want to split cleaning supplies and the occasional Chinese food order, or scale up to accommodate more expenses if you just aren’t ready to open a joint account. If you think this might be a good system for you, here’s what you should HOW TO SAVE AN EMERGENCY FUND: A TRUE FIVE-YEAR STORY Stage 1: The Not-Emergencies Emergency Fund. For a long time, I thought that my early emergency fund efforts were what not to do, personified. I had one, which was a good thing, and it really helped out that time I got fired —but I also raided it for many things that absolutely were not emergencies. It was easily accessible and storedat the
YOU DON'T NEED TO "SAVE" THAT MUCH FOR RETIREMENT Because that’s about 20% of your take-home pay. Luckily, you don’t need to save that much— even if you do want to have $40,000 put away for retirement by the time you’re 30. Nope, you only need to save about $300 a month to hit that goal. Still a stretch goal, especially in expensive cities, but here’s the big difference. HOW TO SAVE FOR A NEW KITCHEN (EVEN IF IT'S YOUR FIRST How to save for a new kitchen. Start early. The process of saving for a kitchen is, ideally, a long one. Even the most basic kitchen updates we looked at were going to cost thousands of dollars, which is not nothing, and not an amount we had lying around waiting to be spent.The earlier you start saving for your new kitchen, the less you’ll have to save each month to eventually hit your goal. CAN I AFFORD THAT LUXURY THING? The most-often cited reason to have one is so that you can avoid high-interest debt in case of an emergency (duh) but there are equally important and positive reasons to have one, too. Your emergency fund can also do things like help you be prepared for opportunities, or even just give you peace of mind in the worst case scenario. EXACTLY HOW MUCH I SPENT (AND SAVED) ON A 10-DAY TRIP TO Because we had a big group together sharing the chalet, it worked out to $191.00 per person for four nights – aka, less than $50 a night to stay in a gorgeous ski mansion. Total Spending on Accommodations: $308.00 per person. Total Saving on Accommodations (Average of $52.00 per night): $205.00 per person. HOW MUCH DOES AN IKEA KITCHEN COST? (PLUS LESSONS LEARNED!) Here’s how much our kitchen cost, all in: $ 14,493.45. And here’s a more detailed breakdown, which links to the explanation of each purchase. If there’s no link, it’s because I literally have nothing to say other than “Yes, we bought this.”. Stove and dishwasher: $ 3,159.48. Cabinets and microwave: $ 7,211.58. SHOULD I USE A LINE OF CREDIT AS AN EMERGENCY FUND? The only way I would see this as feasible is if you used the line of credit as an option only because you didn’t have access to your funds. Like, if you’re a bit of a risk taker and have your emergency fund money in the market, you might need a few days to clear your positions and transfer the funds over, and at that time you could pay off the line of credit.HALF BANKED
Featured personal finance tools. Online savings accounts that pay 1.50% interest with an easy-to-use interface, unlimited Interac e-transfers, and custom goal setting. A prepaid Visa card with built-in features to help you save more automatically. Earn YOU DON'T ACTUALLY NEED TO BUY A HOUSE: HERE'S WHY So yes, I am all aboard team bought-a-house – but you don’t need to buy a house to save money, earn money, or be a “real adult”. I promise. First, let me step back and give you some context on how and why I bought a house, so we’re all on the same page here. HOW TO SPLIT GROCERY EXPENSES WITH ANYONE This system is great because it’s so flexible. It can scale down to accommodate roommates who sometimes want to split cleaning supplies and the occasional Chinese food order, or scale up to accommodate more expenses if you just aren’t ready to open a joint account. If you think this might be a good system for you, here’s what you should HOW TO SAVE AN EMERGENCY FUND: A TRUE FIVE-YEAR STORY Stage 1: The Not-Emergencies Emergency Fund. For a long time, I thought that my early emergency fund efforts were what not to do, personified. I had one, which was a good thing, and it really helped out that time I got fired —but I also raided it for many things that absolutely were not emergencies. It was easily accessible and storedat the
YOU DON'T NEED TO "SAVE" THAT MUCH FOR RETIREMENT Because that’s about 20% of your take-home pay. Luckily, you don’t need to save that much— even if you do want to have $40,000 put away for retirement by the time you’re 30. Nope, you only need to save about $300 a month to hit that goal. Still a stretch goal, especially in expensive cities, but here’s the big difference. HOW TO SAVE FOR A NEW KITCHEN (EVEN IF IT'S YOUR FIRST How to save for a new kitchen. Start early. The process of saving for a kitchen is, ideally, a long one. Even the most basic kitchen updates we looked at were going to cost thousands of dollars, which is not nothing, and not an amount we had lying around waiting to be spent.The earlier you start saving for your new kitchen, the less you’ll have to save each month to eventually hit your goal. CAN I AFFORD THAT LUXURY THING? The most-often cited reason to have one is so that you can avoid high-interest debt in case of an emergency (duh) but there are equally important and positive reasons to have one, too. Your emergency fund can also do things like help you be prepared for opportunities, or even just give you peace of mind in the worst case scenario. EXACTLY HOW MUCH I SPENT (AND SAVED) ON A 10-DAY TRIP TO Because we had a big group together sharing the chalet, it worked out to $191.00 per person for four nights – aka, less than $50 a night to stay in a gorgeous ski mansion. Total Spending on Accommodations: $308.00 per person. Total Saving on Accommodations (Average of $52.00 per night): $205.00 per person. HOW MUCH DOES AN IKEA KITCHEN COST? (PLUS LESSONS LEARNED!) Here’s how much our kitchen cost, all in: $ 14,493.45. And here’s a more detailed breakdown, which links to the explanation of each purchase. If there’s no link, it’s because I literally have nothing to say other than “Yes, we bought this.”. Stove and dishwasher: $ 3,159.48. Cabinets and microwave: $ 7,211.58. SHOULD I USE A LINE OF CREDIT AS AN EMERGENCY FUND? The only way I would see this as feasible is if you used the line of credit as an option only because you didn’t have access to your funds. Like, if you’re a bit of a risk taker and have your emergency fund money in the market, you might need a few days to clear your positions and transfer the funds over, and at that time you could pay off the line of credit. MANAGING YOUR MONEY ONLINE: HOW TO DO IT SAFELY, FROM HOME Set strong passwords—yes, that strong. If you aren’t yet using a password manager like LastPass to generate secure passwords and store them for yourself, starting to manage your money online is the best reason to start. It’s important no matter what, since a lot of your non-financial accounts store your credit card details already, but if THE BEST WAY TO BUILD A PERSONAL MONEY SYSTEM (IT'S NOT A personal money system isn't actually that complicated: It's basically just how money comes into and moves out of your account, AKA cash flow. And yes, cash flow sounds like a business term, but when you think about it, understanding your personal cash flow is most of personal finance. Here's an example. Simple, right? And you could make a (very compelling) case that this graphic is the BEST CANADIAN PERSONAL FINANCE APPS (ALL TRIED AND TESTED!) Tangerine – I use Tangerine for day-to-day banking. Read my full Tangerine review. KOHO – I use it to manage my spending. Read my full KOHO review. EQ Bank – I use them for high-interest savings. Read my full EQ Bank review. Wealthsimple Cash – I use it for joint high-interest savings. Read my full Wealthsimple review. YOU DON'T NEED TO "SAVE" THAT MUCH FOR RETIREMENT Because that’s about 20% of your take-home pay. Luckily, you don’t need to save that much— even if you do want to have $40,000 put away for retirement by the time you’re 30. Nope, you only need to save about $300 a month to hit that goal. Still a stretch goal, especially in expensive cities, but here’s the big difference. YOU DON'T NEED A JOINT ACCOUNT, YOU NEED A Thank you! (And congrats on your newlywed status, btw!) But yeah, it’s always going to be something that needs attention – every time something major changes (getting married, buying a house, changing spending habits, etc.) your budget needs to adjust, and when that budget is between two people, talking about it and tracking it will be a lot more helpful than a joint account, haha. THE REAL TRUTH ABOUT HOW I SAVE HALF MY INCOME It’s one thing to set a goal to save half my income, but actually doing it is an entirely other story. Here’s a (brutally honest) look at exactly how I’ve managed to hit my savings goal over the past few months – because I’ve been consistently hitting it every month since October.. Well, OK, not in January, because January was bananas, but even then I hit a 48.5% savings rate, which WILLFUL REVIEW: HOW TO CREATE AN ONLINE WILL IN CANADA Willful is an online will provider. You can create an account with them, walk through the process of creating a will, answer the relevant questions, and it’ll prepare a full, printable will (and related documents) that you can sign. Basically, they help you do that thing you’ve been putting off forever because it seemed way too hard, by WILL YOU SAVE MONEY BY GOING VEGETARIAN? (I DID, AND HERE The short answer is about $100, or 1/6th of our regular grocery budget. In a typical month, pre-this-experiment month, we’d spend almost exactly $600 on food for two people. This month, we’re well under the $500 mark, and even with one weekend’s worth of grocery shopping to go, I can’t see us going much over $500. HOW MUCH IT COST TO OWN A USED CAR FOR A YEAR I like to consider myself a fairly frugal car person. Probably because as any Real Car Person would tell you, I’m not a car person at all. That factor alone helps keep my car costs way down, but I wanted to know: how much does it really cost to own a used car for a year? Luckily, I've got the numbers to provide an accurate answer to thatquestion.
WHY I'M NOT WEARING THE SAME THING EVERY DAY Yes, of course, wearing the same thing every day was a big ol’ constraint, and probably further than most reasonable people want to go with their clothing choices. But it trickled down into my every day wardrobe, because thanks to the work uniform, I also got very clear on whether something would work with the bulk of my clothing–andHALF BANKED
Featured personal finance tools. Online savings accounts that pay 1.50% interest with an easy-to-use interface, unlimited Interac e-transfers, and custom goal setting. A prepaid Visa card with built-in features to help you save more automatically. Earn THE BEST WAY TO BUILD A PERSONAL MONEY SYSTEM (IT'S NOT A personal money system isn't actually that complicated: It's basically just how money comes into and moves out of your account, AKA cash flow. And yes, cash flow sounds like a business term, but when you think about it, understanding your personal cash flow is most of personal finance. Here's an example. Simple, right? And you could make a (very compelling) case that this graphic is the FILING TAXES JOINTLY IN CANADA: WHEN AND HOW TO FILE AS A There are only a few “musts” when you start filing jointly as opposed to as an individual. You need to file together once you hit common-law at the federal level, which—as we now know—is at 12 months of living together. You’ll need to, at a minimum, add your partner’s identifying details and their net income into yourpersonal tax
YOU DON'T ACTUALLY NEED TO BUY A HOUSE: HERE'S WHY So yes, I am all aboard team bought-a-house – but you don’t need to buy a house to save money, earn money, or be a “real adult”. I promise. First, let me step back and give you some context on how and why I bought a house, so we’re all on the same page here. YOU DON'T NEED TO "SAVE" THAT MUCH FOR RETIREMENT Because that’s about 20% of your take-home pay. Luckily, you don’t need to save that much— even if you do want to have $40,000 put away for retirement by the time you’re 30. Nope, you only need to save about $300 a month to hit that goal. Still a stretch goal, especially in expensive cities, but here’s the big difference. HOW TO SAVE AN EMERGENCY FUND: A TRUE FIVE-YEAR STORY Stage 1: The Not-Emergencies Emergency Fund. For a long time, I thought that my early emergency fund efforts were what not to do, personified. I had one, which was a good thing, and it really helped out that time I got fired —but I also raided it for many things that absolutely were not emergencies. It was easily accessible and storedat the
HOW TO SPLIT GROCERY EXPENSES WITH ANYONE This system is great because it’s so flexible. It can scale down to accommodate roommates who sometimes want to split cleaning supplies and the occasional Chinese food order, or scale up to accommodate more expenses if you just aren’t ready to open a joint account. If you think this might be a good system for you, here’s what you should YOU DON'T NEED A JOINT ACCOUNT, YOU NEED A Thank you! (And congrats on your newlywed status, btw!) But yeah, it’s always going to be something that needs attention – every time something major changes (getting married, buying a house, changing spending habits, etc.) your budget needs to adjust, and when that budget is between two people, talking about it and tracking it will be a lot more helpful than a joint account, haha. CAN I AFFORD THAT LUXURY THING? The most-often cited reason to have one is so that you can avoid high-interest debt in case of an emergency (duh) but there are equally important and positive reasons to have one, too. Your emergency fund can also do things like help you be prepared for opportunities, or even just give you peace of mind in the worst case scenario. HOW MUCH DOES AN IKEA KITCHEN COST? (PLUS LESSONS LEARNED!) We moved the sink and some electrical outlets, including the main power for the cooktopthis added small but expected amounts for the plumberless than $500, and allowed the full pullout drawer under the sink, and a bigger number for the electrician, who had to pull new lines from the panel, and unexpected costs for drywall and painting to deal with some unexpected holes.HALF BANKED
Featured personal finance tools. Online savings accounts that pay 1.50% interest with an easy-to-use interface, unlimited Interac e-transfers, and custom goal setting. A prepaid Visa card with built-in features to help you save more automatically. Earn THE BEST WAY TO BUILD A PERSONAL MONEY SYSTEM (IT'S NOT A personal money system isn't actually that complicated: It's basically just how money comes into and moves out of your account, AKA cash flow. And yes, cash flow sounds like a business term, but when you think about it, understanding your personal cash flow is most of personal finance. Here's an example. Simple, right? And you could make a (very compelling) case that this graphic is the FILING TAXES JOINTLY IN CANADA: WHEN AND HOW TO FILE AS A There are only a few “musts” when you start filing jointly as opposed to as an individual. You need to file together once you hit common-law at the federal level, which—as we now know—is at 12 months of living together. You’ll need to, at a minimum, add your partner’s identifying details and their net income into yourpersonal tax
YOU DON'T ACTUALLY NEED TO BUY A HOUSE: HERE'S WHY So yes, I am all aboard team bought-a-house – but you don’t need to buy a house to save money, earn money, or be a “real adult”. I promise. First, let me step back and give you some context on how and why I bought a house, so we’re all on the same page here. YOU DON'T NEED TO "SAVE" THAT MUCH FOR RETIREMENT Because that’s about 20% of your take-home pay. Luckily, you don’t need to save that much— even if you do want to have $40,000 put away for retirement by the time you’re 30. Nope, you only need to save about $300 a month to hit that goal. Still a stretch goal, especially in expensive cities, but here’s the big difference. HOW TO SAVE AN EMERGENCY FUND: A TRUE FIVE-YEAR STORY Stage 1: The Not-Emergencies Emergency Fund. For a long time, I thought that my early emergency fund efforts were what not to do, personified. I had one, which was a good thing, and it really helped out that time I got fired —but I also raided it for many things that absolutely were not emergencies. It was easily accessible and storedat the
HOW TO SPLIT GROCERY EXPENSES WITH ANYONE This system is great because it’s so flexible. It can scale down to accommodate roommates who sometimes want to split cleaning supplies and the occasional Chinese food order, or scale up to accommodate more expenses if you just aren’t ready to open a joint account. If you think this might be a good system for you, here’s what you should YOU DON'T NEED A JOINT ACCOUNT, YOU NEED A Thank you! (And congrats on your newlywed status, btw!) But yeah, it’s always going to be something that needs attention – every time something major changes (getting married, buying a house, changing spending habits, etc.) your budget needs to adjust, and when that budget is between two people, talking about it and tracking it will be a lot more helpful than a joint account, haha. CAN I AFFORD THAT LUXURY THING? The most-often cited reason to have one is so that you can avoid high-interest debt in case of an emergency (duh) but there are equally important and positive reasons to have one, too. Your emergency fund can also do things like help you be prepared for opportunities, or even just give you peace of mind in the worst case scenario. HOW MUCH DOES AN IKEA KITCHEN COST? (PLUS LESSONS LEARNED!) We moved the sink and some electrical outlets, including the main power for the cooktopthis added small but expected amounts for the plumberless than $500, and allowed the full pullout drawer under the sink, and a bigger number for the electrician, who had to pull new lines from the panel, and unexpected costs for drywall and painting to deal with some unexpected holes. THE BEST WAY TO BUILD A PERSONAL MONEY SYSTEM (IT'S NOT A personal money system isn't actually that complicated: It's basically just how money comes into and moves out of your account, AKA cash flow. And yes, cash flow sounds like a business term, but when you think about it, understanding your personal cash flow is most of personal finance. Here's an example. Simple, right? And you could make a (very compelling) case that this graphic is the PERSONAL FINANCE BLOG FOR MILLENNIALS Let's talk about money. Specifically, how to save more, spend on what matters, and invest for your future, without the snooze-inducing jargon or the guilt-ridden lectures about lattes. BEST CANADIAN PERSONAL FINANCE APPS (ALL TRIED AND TESTED!) Tangerine – I use Tangerine for day-to-day banking. Read my full Tangerine review. KOHO – I use it to manage my spending. Read my full KOHO review. EQ Bank – I use them for high-interest savings. Read my full EQ Bank review. Wealthsimple Cash – I use it for joint high-interest savings. Read my full Wealthsimple review. WILLFUL REVIEW: HOW TO CREATE AN ONLINE WILL IN CANADA Willful is an online will provider. You can create an account with them, walk through the process of creating a will, answer the relevant questions, and it’ll prepare a full, printable will (and related documents) that you can sign. Basically, they help you do that thing you’ve been putting off forever because it seemed way too hard, by HOW TO SAVE FOR A NEW KITCHEN (EVEN IF IT'S YOUR FIRST How to save for a new kitchen. Start early. The process of saving for a kitchen is, ideally, a long one. Even the most basic kitchen updates we looked at were going to cost thousands of dollars, which is not nothing, and not an amount we had lying around waiting to be spent.The earlier you start saving for your new kitchen, the less you’ll have to save each month to eventually hit your goal. THE REAL TRUTH ABOUT HOW I SAVE HALF MY INCOME It’s one thing to set a goal to save half my income, but actually doing it is an entirely other story. Here’s a (brutally honest) look at exactly how I’ve managed to hit my savings goal over the past few months – because I’ve been consistently hitting it every month since October.. Well, OK, not in January, because January was bananas, but even then I hit a 48.5% savings rate, which EXACTLY HOW MUCH I SPENT (AND SAVED) ON A 10-DAY TRIP TO Because we had a big group together sharing the chalet, it worked out to $191.00 per person for four nights – aka, less than $50 a night to stay in a gorgeous ski mansion. Total Spending on Accommodations: $308.00 per person. Total Saving on Accommodations (Average of $52.00 per night): $205.00 per person. HOW TO SAVE MONEY ON GAS IN CANADA (WITH YOUR EXISTING CARDS) More value with your existing cards. On October 31st, RBC and Petro-Canada announced a new partnership to help Canadians save on gas and score additional points using the cards that are already in theirwallet.
WILL YOU SAVE MONEY BY GOING VEGETARIAN? (I DID, AND HERE The short answer is about $100, or 1/6th of our regular grocery budget. In a typical month, pre-this-experiment month, we’d spend almost exactly $600 on food for two people. This month, we’re well under the $500 mark, and even with one weekend’s worth of grocery shopping to go, I can’t see us going much over $500. KOHO VS STACK: WHICH PREPAID CARD IS RIGHT FOR YOU? When you’re looking at prepaid credit cards in Canada, you’re likely deciding between KOHO and STACK. They're the two leaders in the Canadian prepaid card space, and they both come with apps and extra perks to help you manage your spending and save more money. But if you compare just their websites, they seem pretty similar to the averageperson.
HALF BANKED
Being good at money doesn't mean giving up everything you love. Learn how to spend well, save more, budget easily and invest your money toget on
MANAGING YOUR MONEY ONLINE: HOW TO DO IT SAFELY, FROM HOME If your financial institution—bank, federal credit union, online savings account, etc—is a member of CDIC, your money is insured and backed by this federal Crown corporation up to $100,000 in seven different categories. FILING TAXES JOINTLY IN CANADA: WHEN AND HOW TO FILE AS ATAX RATE IN CANADACANADA TAXATION RATECANADA TAXATION RATECANADA TAXATION SYSTEM Filing your taxes as a couple is a big step in terms of feelings—you’re doing money stuff together!—but here in Canada, filing jointly isn’t actually all that big of a step or transition. HOW TO SAVE FOR A NEW KITCHEN (EVEN IF IT'S YOUR FIRSTSAVE KITCHEN SPACEKITCHEN SAVER CABINETSKITCHEN SAVER CINCINNATIKITCHEN SAVER COMPANYKITCHEN SAVERS COSTKITCHEN SAVERS PA How to save for a new kitchen. Start early. The process of saving for a kitchen is, ideally, a long one. Even the most basic kitchen updates we looked at were going to cost thousands of dollars, which is not nothing, and not an amount we had lying around waiting to be spent.The earlier you start saving for your new kitchen, the less you’ll have to save each month to eventually hit your goal. YOU DON'T ACTUALLY NEED TO BUY A HOUSE: HERE'S WHY So yes, I am all aboard team bought-a-house – but you don’t need to buy a house to save money, earn money, or be a “real adult”. I promise. First, let me step back and give you some context on how and why I bought a house, so we’re all on the same page here. FOCUS AREAS, GOALS, AND TACTICS: WHY YOU NEED ALL THREESEE MORE ON HALFBANKED.COMBUSINESS FOCUS GOALSCOMPANY FOCUS GOALSCUSTOMER FOCUSGOALS EXAMPLES
WILLFUL REVIEW: HOW TO CREATE AN ONLINE WILL IN CANADAALBERTA WILL KITCANADIAN LEGAL WILL KITCANADIAN WILL KITLEGAL WILL KIT CANADA Total fun sidebar: Did anyone else read the Shopaholic books by Sophie Kinsella? In one of them, Becky creates a will, and then throughout the book sends her lawyer all these hilarious updates of specific gifts she wants to leave people if she dies—and obviously, because it’s a Shopaholic book, at the end you see her updated invoice from the lawyer for all the changes. WILL YOU SAVE MONEY BY GOING VEGETARIAN? (I DID, AND HERE In our household we have reduced portion size and frequency with which we eat meat. Both our budget and our health benefit. Cutting it out altogether isn’t going to happen because a) I like it too much b) I dislike many protein alternatives and c) I am not committed enough (read: too lazy) to put the effort into giving it a serious try. HOW MUCH DOES AN IKEA KITCHEN COST? (PLUS LESSONS LEARNED!) Pro tip: Once we knew exactly what we wanted, we ordered our stove and dishwasher from Lowes, and we went through Rakuten first. That one extra step earned us an extra 1% cashback on the purchase, which was over $30 we wouldn’t have had otherwise. Sign up for Rakuten now to earn between 1% and 10% cashback at over 750 online stores that ship to Canada, and you’ll get $5 extra cashback KOHO VS STACK: WHICH PREPAID CARD IS RIGHT FOR YOU? When you’re looking at prepaid credit cards in Canada, you’re likely deciding between KOHO and STACK. They're the two leaders in the Canadian prepaid card space, and they both come with apps and extra perks to help you manage your spending and save more money. But if you compare just their websites, they seem pretty similar to the averageperson.
HALF BANKED
Being good at money doesn't mean giving up everything you love. Learn how to spend well, save more, budget easily and invest your money toget on
MANAGING YOUR MONEY ONLINE: HOW TO DO IT SAFELY, FROM HOME If your financial institution—bank, federal credit union, online savings account, etc—is a member of CDIC, your money is insured and backed by this federal Crown corporation up to $100,000 in seven different categories. FILING TAXES JOINTLY IN CANADA: WHEN AND HOW TO FILE AS ATAX RATE IN CANADACANADA TAXATION RATECANADA TAXATION RATECANADA TAXATION SYSTEM Filing your taxes as a couple is a big step in terms of feelings—you’re doing money stuff together!—but here in Canada, filing jointly isn’t actually all that big of a step or transition. HOW TO SAVE FOR A NEW KITCHEN (EVEN IF IT'S YOUR FIRSTSAVE KITCHEN SPACEKITCHEN SAVER CABINETSKITCHEN SAVER CINCINNATIKITCHEN SAVER COMPANYKITCHEN SAVERS COSTKITCHEN SAVERS PA How to save for a new kitchen. Start early. The process of saving for a kitchen is, ideally, a long one. Even the most basic kitchen updates we looked at were going to cost thousands of dollars, which is not nothing, and not an amount we had lying around waiting to be spent.The earlier you start saving for your new kitchen, the less you’ll have to save each month to eventually hit your goal. YOU DON'T ACTUALLY NEED TO BUY A HOUSE: HERE'S WHY So yes, I am all aboard team bought-a-house – but you don’t need to buy a house to save money, earn money, or be a “real adult”. I promise. First, let me step back and give you some context on how and why I bought a house, so we’re all on the same page here. FOCUS AREAS, GOALS, AND TACTICS: WHY YOU NEED ALL THREESEE MORE ON HALFBANKED.COMBUSINESS FOCUS GOALSCOMPANY FOCUS GOALSCUSTOMER FOCUSGOALS EXAMPLES
WILLFUL REVIEW: HOW TO CREATE AN ONLINE WILL IN CANADAALBERTA WILL KITCANADIAN LEGAL WILL KITCANADIAN WILL KITLEGAL WILL KIT CANADA Total fun sidebar: Did anyone else read the Shopaholic books by Sophie Kinsella? In one of them, Becky creates a will, and then throughout the book sends her lawyer all these hilarious updates of specific gifts she wants to leave people if she dies—and obviously, because it’s a Shopaholic book, at the end you see her updated invoice from the lawyer for all the changes. WILL YOU SAVE MONEY BY GOING VEGETARIAN? (I DID, AND HERE In our household we have reduced portion size and frequency with which we eat meat. Both our budget and our health benefit. Cutting it out altogether isn’t going to happen because a) I like it too much b) I dislike many protein alternatives and c) I am not committed enough (read: too lazy) to put the effort into giving it a serious try. HOW MUCH DOES AN IKEA KITCHEN COST? (PLUS LESSONS LEARNED!) Pro tip: Once we knew exactly what we wanted, we ordered our stove and dishwasher from Lowes, and we went through Rakuten first. That one extra step earned us an extra 1% cashback on the purchase, which was over $30 we wouldn’t have had otherwise. Sign up for Rakuten now to earn between 1% and 10% cashback at over 750 online stores that ship to Canada, and you’ll get $5 extra cashback KOHO VS STACK: WHICH PREPAID CARD IS RIGHT FOR YOU? When you’re looking at prepaid credit cards in Canada, you’re likely deciding between KOHO and STACK. They're the two leaders in the Canadian prepaid card space, and they both come with apps and extra perks to help you manage your spending and save more money. But if you compare just their websites, they seem pretty similar to the averageperson.
MANAGING YOUR MONEY ONLINE: HOW TO DO IT SAFELY, FROM HOME If your financial institution—bank, federal credit union, online savings account, etc—is a member of CDIC, your money is insured and backed by this federal Crown corporation up to $100,000 in seven different categories. THE BEST WAY TO BUILD A PERSONAL MONEY SYSTEM (IT'S NOT A personal money system isn't actually that complicated: It's basically just how money comes into and moves out of your account, AKA cash flow. And yes, cash flow sounds like a business term, but when you think about it, understanding your personal cash flow is most of personal finance. Here's an example. Simple, right? And you could make a (very compelling) case that this graphic is the BEST CANADIAN PERSONAL FINANCE APPS (ALL TRIED AND TESTED!) Banking. Tangerine – I use Tangerine for day-to-day banking. Read my full Tangerine review.; KOHO – I use it to manage my spending. Read my full KOHO review.; EQ Bank – I use them for high-interest savings. Read my full EQ Bank review.; Wealthsimple Cash – I use it for joint high-interest savings. Read my full Wealthsimple review.; Investing. Wealthsimple – I invest my RRSP and TFSA YOU DON'T ACTUALLY NEED TO BUY A HOUSE: HERE'S WHY So yes, I am all aboard team bought-a-house – but you don’t need to buy a house to save money, earn money, or be a “real adult”. I promise. First, let me step back and give you some context on how and why I bought a house, so we’re all on the same page here. THE REAL TRUTH ABOUT HOW I SAVE HALF MY INCOME It’s one thing to set a goal to save half my income, but actually doing it is an entirely other story. Here’s a (brutally honest) look at exactly how I’ve managed to hit my savings goal over the past few months – because I’ve been consistently hitting it every month since October.. Well, OK, not in January, because January was bananas, but even then I hit a 48.5% savings rate, which WILLFUL REVIEW: HOW TO CREATE AN ONLINE WILL IN CANADA Total fun sidebar: Did anyone else read the Shopaholic books by Sophie Kinsella? In one of them, Becky creates a will, and then throughout the book sends her lawyer all these hilarious updates of specific gifts she wants to leave people if she dies—and obviously, because it’s a Shopaholic book, at the end you see her updated invoice from the lawyer for all the changes. KOHO REVIEW: BEST PREPAID CARD FOR EVERYDAY USE? A great prepaid card for everyday use. KOHO is a fantastic prepaid VISA for anyone who wants access to cashback on every purchase, excellent savings features to help you save more without noticing it, and a great in-app experience. TANGERINE REVIEW—BEST ONLINE BANK IN CANADA? (2020) Who should use Tangerine: Anyone who wants a great user experience and free daily banking features, with no need to visit a branch to manage your account—you can do it all online. Best features include: Free chequing accounts with all the features you need for daily banking, one of the best cash-back credit cards in Canada, and easy-to-use investment options perfect for beginners. HOW TO SPLIT GROCERY EXPENSES WITH ANYONE Bravo for finding a system that’s working for the two of you! Before we combined all of our finances, we found it easiest to just each pay for certain things (me=car and groceries, mr.=rent, the cable he insisted on at the time, and random stuff), and we didn’t keep tallies, especially because we had pretty sizable income differences. YOU DON'T NEED TO "SAVE" THAT MUCH FOR RETIREMENT Adding to the last comment, salary is changing every year. That makes the numbers worse. Most people’s salary is higher at 30 than at their first job. so in your example you don’t need to save $4ok by 30, you need to save $50k if you average 3% raises.* Start Here
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USE YOUR MONEY TO LIVE A LIFE YOU LOVE. Being "good at money" isn't as hard as it seems—and no, you don't have to give up your lattes to do it. IT ALL COMES DOWN TO DOING FOUR KEY THINGS, AND THEY’RE NOT THATHARD—PROMISE.
SPEND WELL.
Spending money isn’t a bad thing—as long as you’re spending on the stuff you really care about, and balancing it with your goals.Learn more
SAVE MONEY.
Saving is the key to a lot of big goals, like travel, home ownership, getting a dog, and all that good stuff. Find strategies to help you save more, sans stress.Learn more
MAKE A BUDGET.
It’s just a plan for how to use the money you get every month to maximize the happiness and security you can buy with it. Sounds good,right?
Learn more
INVEST YOUR MONEY.
Investing is so important for your future—and it’s not as hard as you think it is, thanks to advances in technology and non-snooze-inducing info.Learn more
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ON THE BLOG LATELY
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A few weeks ago, I got a great question from a reader on Instagram that boils down to, “Does debt consolidation make sense here?” Without getting into the specifics, they were asking whether it makes sense to pay off a smaller, high-interest debt over time, or toroll...
FORGET TRYING TO ‘TIME THE MARKET’: HERE ARE 5 BETTER WAYS TOMANAGE VOLATILITY
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Face it: There’s nothing you can do to prevent the market’s usual ups and downs. But don’t let uncertainty keep you from investing andgrowing your money.
SHOULD YOU INVEST IN BITCOIN? ASK YOURSELF THESE FOUR QUESTIONSby Desirae Odjick
| Jan 28,
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There’s no easy answer to the question of whether Bitcoin is right for you. But there is a process you should follow for every high-riskinvestment.
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