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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
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. FILING TAXES JOINTLY IN CANADA: WHEN AND HOW TO FILE AS A 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. 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 SAVE AN EMERGENCY FUND: A TRUE FIVE-YEAR STORY If you’re looking for a quick, pithy article about how to save an emergency fund, this is not it. I mean, I can give you the basics, which is to set a goal, save money every month, and then hit that goal—but that’s not all that helpful. 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. 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. YOU DON'T NEED A JOINT ACCOUNT, YOU NEED A JOINT SPREADSHEET 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. 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 HOW MUCH DOES IT COST TO HAVE A DOG PER MONTH? If you’ve been reading the blog for a while, or you know me in real life, you know that I’m a tad obsessed with my dog. “Getting a dog” has always been pretty high up there on my list of life to-dos, and even in the dead of winter, while I’m braving wind chill advisories to take him on his walks, I’m always glad he’s a partof my life.
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
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. FILING TAXES JOINTLY IN CANADA: WHEN AND HOW TO FILE AS A 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. 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 SAVE AN EMERGENCY FUND: A TRUE FIVE-YEAR STORY If you’re looking for a quick, pithy article about how to save an emergency fund, this is not it. I mean, I can give you the basics, which is to set a goal, save money every month, and then hit that goal—but that’s not all that helpful. 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. 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. YOU DON'T NEED A JOINT ACCOUNT, YOU NEED A JOINT SPREADSHEET 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. 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 HOW MUCH DOES IT COST TO HAVE A DOG PER MONTH? If you’ve been reading the blog for a while, or you know me in real life, you know that I’m a tad obsessed with my dog. “Getting a dog” has always been pretty high up there on my list of life to-dos, and even in the dead of winter, while I’m braving wind chill advisories to take him on his walks, I’m always glad he’s a partof my life.
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!) 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 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 EXACTLY HOW MUCH I SPENT (AND SAVED) ON A 10-DAY TRIP TO If you follow me on Instagram, you won’t be at all surprised to hear that I spent 10 glorious days in the Canadian Rockies this month.Trust me, I have the panoramic mountain photos to show for it. Some people commented on the photos that they wanted to add Banff and the surrounding areas to their travel list, or that they were heading there in the next little while. 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. 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. 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.
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.
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 IT COST TO HAVE A DOG PER MONTH? If you’ve been reading the blog for a while, or you know me in real life, you know that I’m a tad obsessed with my dog. “Getting a dog” has always been pretty high up there on my list of life to-dos, and even in the dead of winter, while I’m braving wind chill advisories to take him on his walks, I’m always glad he’s a partof my life.
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 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
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. 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. 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. 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.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 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
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. 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. 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. 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. 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. 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 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 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. 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 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.
HOW MUCH DOES IT COST TO HAVE A DOG PER MONTH? Luckily, I found an insurance option that works well for me and The Dog. It covers 80% of accidents and illness, up to $8000.00, and rings in at $314.75 a year. It’s the perfect complement to The Dog’s emergency fund, and breaks down to a monthly cost of $26.23. 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.
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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
DEBT CONSOLIDATION: DOES IT MAKE SENSE FOR YOU?by Desirae Odjick
| May 27,
2021 | Debt
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
by Desirae Odjick
| Feb 24,
2021 | Investing
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,
2021 | Investing
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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