My Husband and I just moved into our new home together last month and I want to take you through all the icky nitty gritty of home buying today while it’s still fresh in my mind. As mentioned in a previous post, while it wasn’t my first house, it was my very first home buying experience. While I knew it was going to be a process, I didn’t realize how much of a royal pain in the butt it was going to be! Today, I’m sharing with you some lessons learned for those of you thinking of buying your first home in the hopes that you’ll have a smooth-as-butta kind of move. So here are my top tips for buying your first home in Canada. And don’t worry… I have tips for my self-employed friends covered in here too 😉
We’re talking about credit scores today. Scary, I know! But don’t worry, just like always, I gotchu. I’m here to tell you and show you how you can have a good credit score even if you have a bad financial history.
First, let me be real with you. When I initially started this project with Servus Credit Union, I didn’t feel as though I were qualified. I mean, you now know about my (less than stellar) financial track record and all the mistakes I’ve made along the way. But the more I research and write about financial fitness and the deeper I look into my own financial journey, the more confidence I gain. I’ve been tentative with each consecutive step in the financial fitness plan and this week is no different. I’ve never had the guts to look into my credit score. With my history, I was convinced it was going to be downright sh*tty.Read on
When we hear the word ‘relationship’ we often think of our spouses or partners. And while that’s accurate, we have a million other relationships in our lives. Along with a ton of other areas in our lives, things change in a major way when we have kids, especially relationships. Here’s a look at four types of relationships that are bound to change after we have children, for better… or worse.
How are we already in week three of this Financial Fitness plan? If you’re following along (which of course you are because you’re awesome) you know that this week is all about reviewing your credit cards and debt. I talked about the scary “B” word last week, but this week we’re talking about the big scary “D” word. Debt. Dun dun dunnnn. Seriously, all I can think of are those desperate-looking lawyers on TV, money loan sharks and bills stamped in red ink.
Just like I had done with the word “budget”, I had to change my mentality when it came to debt. Or rather, just educate myself a bit more. Servus Credit Union has been awesome in teaching me all things ‘money’ without making me feel stupid. Just like fat and cholesterol, there are good types and bad types of debt. Good debt is pretty much any money you have tied up in an investment, like an education, your own business or a mortgage. Bad debt, on the other hand, is having your money tied up in something that won’t generate an income or appreciate over time. These are things like cars (<< I’ve been totally guilty of this one), credit card debt (<< also… totally guilty of this one) and pricey consumables like clothes or eating out (again… TOTALLY guilty). I know, I’ve been guilty of pretty much every bad debt sin out there, so who am I to talk to you about money? Well, like most success stories, there are a lot of failures along the way, and I’ve had more than my fair share when it comes to finances.Read on
When I decided to not return to a comfortable steady income, I had to get serious about money. Saving it, making it, and keeping track of it. Today, we’re talking about cash flow, ways to save money, and of course, an update on my fitness goal! And don’t worry, this won’t be like all the other do-this-don’t-do-that posts on budgeting and saving money. I’ve always taken more unorthodox approaches to achieving my goals and I’d like to share those with you 🙂
The word ‘budget’ scares me. It makes me feel like I have my hands tied and takes all the fun out of, well, anything that costs money. I decided a while ago to not use that big scary word, and instead, chose to shift my mentality and focus on keeping track of money. That’s all. No cash envelopes. No recording latte purchases in an app. Just a simple reflection on where my money is coming from and where it’s going.Read on