I'm going to stop investing for one year. WHAT!? You say? Let me explain... For the last couple years, I have been taking the approach of investing, saving, AND paying down my student loan. I was paying a lot more toward my student loan (1100/month) than I was toward investing for retirement (600/month) or saving … Continue reading To Invest or Pay my Student Loan?
I am jealous of people who are naturally good with their money. We always hear about how there are "savers" and "spenders". I am a spender. I was raised in a household of spenders, most of whom continue to be spenders to this day. I have said it before and I'll say it again, I … Continue reading Confessions of a Spender
In honour of Credit Education Week 2018 ( #CEWC2018 ) and their theme of #MoneyMindfulness, here are easy directions on how and why to practice mindfulness. Activity: Mindfulness of Sensations and Thoughts Why should I do this exercise? This exercise is effective for learning to observe the thoughts, reactions, and actions that we have in … Continue reading A Guide to Trying Mindfulness
So one of the podcasts I listen to is the YNAB podcast by Jesse Meecham, the creator of YNAB. YNAB, if you're not familiar with it, is a budgeting software (short for "You Need A Budget") that can be used across platforms like your cell phone and computer. Anyway, in this specific episode of the … Continue reading Why I’m Going to Stop Planning Ahead
In this post, I will talk about some of the reasons you should decide to feel good about the fact that you might suck at budgeting (for now). That’s right: You’re supposed to suck at budgeting when you first start out, and you will keep on sucking at it for a while, and that’s okay. … Continue reading 6 Reasons Why SUCKING at Budgeting is the Key to Success
In this post I talk about incorporating personal finance values into your dating life. So now that personal finance has become one of my central values, it is something I have begun to weigh as an important aspect of many, if not all of my decisions. Also recently, I have begun to venture back into … Continue reading Dating: How Do You Find a Frugal Partner?
Hi there, This is just a quick update to share with you that I have been interviewed about my financial journey and the best ways to get out of debt by the folks over at Mespo! In case you aren't familiar, Mespo provides a platform to reduce your monthly costs, manage your money across all … Continue reading Debt Dummy Update: July 31, 2017
So yesterday I decided to look at my historical spending trends in YNAB (my budgeting software) in order to see where I am doing well and where I could do better, and what I came away with was this: I am spending way too much on groceries. I think this has been sort of a … Continue reading Overspending on Groceries (Whole Foods is my Kryptonite)
Here are a couple updates from me, Debt Dummy! Update 1: In case you missed it last time I shared, I am excited to announce that I will be featured in Canadian Budget Binder's Making a Difference series as part of their Saturday Weekend Review, on July 22! This will share a little bit about who … Continue reading Debt Dummy Update: June 30, 2017
In this post, I will talk about the addictive nature of shopping, and how to manage impulses to shop. This post is a follow-up to my recent post: The YNAB Glitch: What Happened When the Budget Went Down (a.k.a. Self-Control or Lack Thereof) . I wanted to follow-up on some more after-shocks I experienced from my spending … Continue reading 5 Ways I am Kicking the Urge to Shop (Shopping Addictions and Motivational Enhancement)