Throughout my journey towards financial independence, I’ve made a deliberate effort to stick to good financial habits. Nonetheless, like it happens to everyone, there have been periods in my life when my time was more limited and I simply couldn’t keep up with it all. As I work with my coaching clients over a four… Continue reading 3 Financial Habits to Stick to When Your Time is Limited
September always feels like a great time to double down on my yearly goals. That back-to-school feeling combined with the fact that there is still a quarter of the year to make things happen seems to give me some extra motivation to make the most of this time. This year is a little different though.… Continue reading Yearly Savings Tracker – September Update
In the uncertainty of the current times, I’ve been so grateful that we have been tracking our expenses so diligently since at least 2014. Thanks to this habit, we have a pretty good idea of a simple bare-bones budget that we could implement by reducing certain expenses that we consider as discretionary expenses should we… Continue reading A Simple Bare-Bones Budget
To manage our money, every December or January, I’ll prepare a yearly savings plan. This plan is simply a spreadsheet to project out week by week the money that comes and goes from my checking account. It’ll help me plan and keep track of the total amount I’ll be saving in my TFSAs as well… Continue reading My Yearly Savings Plan Worksheet
When you establish a realistic budget, you increase your control over your finances and your ability to reach any financial objective. Whether it be to reach financial independence like us, get rid of debt or to save for a specific expense like a trip, down payment or other, your budget will help you determine how… Continue reading Establish a Realistic Budget by Tracking your Expenses
