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Simplifying Money and Chasing Financial Independence

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Where my money went in 2014

I filled my tax return a few weeks ago and received a small refund of a little over $ 500.…

spending in 2014, where did my money go

Is couponing worth it?

If you live in North America, you have probably heard of the TV show Extreme Couponing. In this program, people…

couponing, extreme couponing, is couponing worth it

Why my home is not an investment

Buying a piece of property is one of largest expenses people face in their lives. Being a home-owner is still…

home-buying, investing in real-estate, selling your home

What I won’t do to save or pay-off debt

There are lots of things you can do to pay-off your debt or save money. However, there are a few…

pay off debt, saving money

Financial rules I like to bend or break

There are many financial rules we hear over and over again, and that we blindly follow. But before following any rule, we need to see if it is actually adapted to our own situation.

emergency fund, financial rules, personal finances

Things I refuse to pay for

We all have our financial pet peeves. Here are a few items I refuse to pay for: Cell phone. A…

thing I refuse to pay for

From saving to investing

I have always been a saver. I understood from a fairly young age that I needed to save money if…

investing, saving, saving vs investing

Mutual funds vs. ETFs: basic comparison

Mutual funds remain Canadians’ favourite investment. It is estimated a trillion dollars sits in mutual funds in the country. Although…

ETFs, Exchange-Traded Funds, Mutual fund or ETF, mutual funds, mutual funds vs ETFs

The case for earning more money

When trying to address a mountain of debt and/or budgeting issues, the first piece of advice people are given is to drastically cut expenses.

cut spending, earn more, make more money

Car refinancing traps

My previous entry mentioned how refinancing has become very common lately. A growing and alarming trend is car refinancing. Just…

car loan, car refinancing, refinancing

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