Are you over 18 and want to see adult content?
More Annotations
![A complete backup of installitdirect.com](https://www.archivebay.com/archive/23752ec1-1e7f-453b-93bb-f684221abbbe.png)
A complete backup of installitdirect.com
Are you over 18 and want to see adult content?
![A complete backup of placement-international.org](https://www.archivebay.com/archive/91bb19ba-66d2-4c15-9dc0-503bb61a9eb6.png)
A complete backup of placement-international.org
Are you over 18 and want to see adult content?
![A complete backup of netoffersonline.info](https://www.archivebay.com/archive/2f673e2b-aec7-47e6-a921-9f3bf6ea9c67.png)
A complete backup of netoffersonline.info
Are you over 18 and want to see adult content?
![A complete backup of flowerchilddancinginaminefeild.tumblr.com](https://www.archivebay.com/archive/7e9e9180-5458-4fb2-b3f3-8d79b0270de0.png)
A complete backup of flowerchilddancinginaminefeild.tumblr.com
Are you over 18 and want to see adult content?
![A complete backup of yourdailydance.com](https://www.archivebay.com/archive/b847a8ea-e016-4373-968f-6524eeac6b82.png)
A complete backup of yourdailydance.com
Are you over 18 and want to see adult content?
![A complete backup of emeraldbayalumni.org](https://www.archivebay.com/archive/d1985f2e-4442-4d89-8115-0ebf390c5f51.png)
A complete backup of emeraldbayalumni.org
Are you over 18 and want to see adult content?
![A complete backup of world-nuclear.org](https://www.archivebay.com/archive/d7964643-496c-4489-bafd-afdb22d7d1ed.png)
A complete backup of world-nuclear.org
Are you over 18 and want to see adult content?
Favourite Annotations
![A complete backup of https://mymagicfundas.com](https://www.archivebay.com/archive6/images/2cba627c-64d3-454f-9cf9-043ab86639be.png)
A complete backup of https://mymagicfundas.com
Are you over 18 and want to see adult content?
![A complete backup of https://ss396.com](https://www.archivebay.com/archive6/images/cba3e0a8-802c-4857-b1e1-7a382b242efb.png)
A complete backup of https://ss396.com
Are you over 18 and want to see adult content?
![A complete backup of https://supla.fi](https://www.archivebay.com/archive6/images/8af2deb7-7f65-43f3-8641-f732eb270d03.png)
A complete backup of https://supla.fi
Are you over 18 and want to see adult content?
![A complete backup of https://commercialinteriordesign.com](https://www.archivebay.com/archive6/images/f5b09851-ffbc-48c0-9fb4-d951f33c7ace.png)
A complete backup of https://commercialinteriordesign.com
Are you over 18 and want to see adult content?
![A complete backup of https://visitwichita.com](https://www.archivebay.com/archive6/images/bd50d20f-5fa6-4324-94e5-977a078587f2.png)
A complete backup of https://visitwichita.com
Are you over 18 and want to see adult content?
![A complete backup of https://fiestasanantonio.org](https://www.archivebay.com/archive6/images/f28e45d0-c603-4f9a-b4a5-8362f0d71aed.png)
A complete backup of https://fiestasanantonio.org
Are you over 18 and want to see adult content?
![A complete backup of https://weddings.nl](https://www.archivebay.com/archive6/images/af71b1df-f173-49f0-953a-494e46e18795.png)
A complete backup of https://weddings.nl
Are you over 18 and want to see adult content?
![A complete backup of https://palais-des-papes.com](https://www.archivebay.com/archive6/images/87ac181c-f94c-4b6c-a371-15fd32a53d6b.png)
A complete backup of https://palais-des-papes.com
Are you over 18 and want to see adult content?
![A complete backup of https://horando.de](https://www.archivebay.com/archive6/images/3b5bed29-0a22-4adb-959e-aeb4e7513ce0.png)
A complete backup of https://horando.de
Are you over 18 and want to see adult content?
![A complete backup of https://indosport.com](https://www.archivebay.com/archive6/images/177834e8-d6dd-4cdb-be00-d4af6cdc7d4f.png)
A complete backup of https://indosport.com
Are you over 18 and want to see adult content?
![A complete backup of https://modeneseinteriors.com](https://www.archivebay.com/archive6/images/b48e6eb6-b03c-4184-b58b-baef9de1a32b.png)
A complete backup of https://modeneseinteriors.com
Are you over 18 and want to see adult content?
Text
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 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 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
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. 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. 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
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 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. CAN I AFFORD THAT LUXURY THING? The most-often cited reason to have one is so that you can avoid high-interest debt in case of an emergency (duh) but there are equally important and positive reasons to have one, too. Your emergency fund can also do things like help you be prepared for opportunities, or even just give you peace of mind in the worst case scenario. HOW MUCH DOES AN IKEA KITCHEN COST? (PLUS LESSONS LEARNED!) We moved the sink and some electrical outlets, including the main power for the cooktopthis added small but expected amounts for the plumberless than $500, and allowed the full pullout drawer under the sink, and a bigger number for the electrician, who had to pull new lines from the panel, and unexpected costs for drywall and painting to deal with some unexpected holes.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 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 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
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. 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. 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
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 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. CAN I AFFORD THAT LUXURY THING? The most-often cited reason to have one is so that you can avoid high-interest debt in case of an emergency (duh) but there are equally important and positive reasons to have one, too. Your emergency fund can also do things like help you be prepared for opportunities, or even just give you peace of mind in the worst case scenario. HOW MUCH DOES AN IKEA KITCHEN COST? (PLUS LESSONS LEARNED!) We moved the sink and some electrical outlets, including the main power for the cooktopthis added small but expected amounts for the plumberless than $500, and allowed the full pullout drawer under the sink, and a bigger number for the electrician, who had to pull new lines from the panel, and unexpected costs for drywall and painting to deal with some unexpected holes. 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 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. 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 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. THE REAL TRUTH ABOUT HOW I SAVE HALF MY INCOME It’s one thing to set a goal to save half my income, but actually doing it is an entirely other story. Here’s a (brutally honest) look at exactly how I’ve managed to hit my savings goal over the past few months – because I’ve been consistently hitting it every month since October.. Well, OK, not in January, because January was bananas, but even then I hit a 48.5% savings rate, which 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 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.
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.
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 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. 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 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 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. 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. 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. 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. 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.
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 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. 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 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 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. 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. 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. 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. 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.
MANAGING YOUR MONEY ONLINE: HOW TO DO IT SAFELY, FROM HOME Set strong passwords—yes, that strong. If you aren’t yet using a password manager like LastPass to generate secure passwords and store them for yourself, starting to manage your money online is the best reason to start. It’s important no matter what, since a lot of your non-financial accounts store your credit card details already, but if 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 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 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. 6 KEY QUESTIONS YOU NEED TO KNOW ABOUT CMHC AND CLOSING COSTS According to CMHC’s website, if you put down between 5% and 10% of the purchase price, you’ll need to pay 4% of your home’s value in CMHC premiums. If you make it into the 10% to 15% down payment range, that CMHC premium goes down to 3.1% (which is still a big amount on a hundreds-of-thousands-of-dollars purchase). 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. 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
HOW TO CHOOSE A CREDIT CARD (THAT FITS YOUR ACTUAL LIFE) 2. Know your income. After selecting the credit card perks that you’re most interested in, the next step in choosing the right credit card for you is to know your income—both your personal and your household income. Many credit cards use your current income as a factor in determining if 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. DO YOU NEED MORTGAGE INSURANCE? NO, AND HERE'S WHY NOT Yes, it is expensive. Since mortgages are unquestionably A Very Big Deal, it’s easy to think that insuring them is a good thing, and to feel overwhelmingly guilty when you’re sitting in the bank, telling your mortgage broker or salesperson that no, you won’t be needing the mortgage insuranceHALF 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 MANAGING YOUR MONEY ONLINE: HOW TO DO IT SAFELY, FROM HOME Set strong passwords—yes, that strong. If you aren’t yet using a password manager like LastPass to generate secure passwords and store them for yourself, starting to manage your money online is the best reason to start. It’s important no matter what, since a lot of your non-financial accounts store your credit card details already, but if FILING TAXES JOINTLY IN CANADA: WHEN AND HOW TO FILE AS ATAX RATE IN CANADACANADA TAXATION RATECANADA TAXATION RATECANADA TAXATION SYSTEM 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 FOR A NEW KITCHEN (EVEN IF IT'S YOUR FIRSTSAVE KITCHEN SPACEKITCHEN SAVER CABINETSKITCHEN SAVER CINCINNATIKITCHEN SAVER COMPANYKITCHEN SAVERS COSTKITCHEN SAVERS PA 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 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. WILLFUL REVIEW: HOW TO CREATE AN ONLINE WILL IN CANADAALBERTA WILL KITCANADIAN LEGAL WILL KITCANADIAN WILL KITLEGAL WILL KIT 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 SAVING FOR RETIREMENT WON'T WORK. HERE'S WHAT TO DO INSTEAD. According to this calculator, you’d need to invest $1000 and earn 6% interest on your investments over 30 years to end up with a million dollars. Which is still a lot, but it’s about $1,777.78 less than our previous heart-stoppingly large example. And yes, this is asimplified example.
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. 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.
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 MANAGING YOUR MONEY ONLINE: HOW TO DO IT SAFELY, FROM HOME Set strong passwords—yes, that strong. If you aren’t yet using a password manager like LastPass to generate secure passwords and store them for yourself, starting to manage your money online is the best reason to start. It’s important no matter what, since a lot of your non-financial accounts store your credit card details already, but if FILING TAXES JOINTLY IN CANADA: WHEN AND HOW TO FILE AS ATAX RATE IN CANADACANADA TAXATION RATECANADA TAXATION RATECANADA TAXATION SYSTEM 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 FOR A NEW KITCHEN (EVEN IF IT'S YOUR FIRSTSAVE KITCHEN SPACEKITCHEN SAVER CABINETSKITCHEN SAVER CINCINNATIKITCHEN SAVER COMPANYKITCHEN SAVERS COSTKITCHEN SAVERS PA 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 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. WILLFUL REVIEW: HOW TO CREATE AN ONLINE WILL IN CANADAALBERTA WILL KITCANADIAN LEGAL WILL KITCANADIAN WILL KITLEGAL WILL KIT 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 SAVING FOR RETIREMENT WON'T WORK. HERE'S WHAT TO DO INSTEAD. According to this calculator, you’d need to invest $1000 and earn 6% interest on your investments over 30 years to end up with a million dollars. Which is still a lot, but it’s about $1,777.78 less than our previous heart-stoppingly large example. And yes, this is asimplified example.
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. 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.
MANAGING YOUR MONEY ONLINE: HOW TO DO IT SAFELY, FROM HOME Set strong passwords—yes, that strong. If you aren’t yet using a password manager like LastPass to generate secure passwords and store them for yourself, starting to manage your money online is the best reason to start. It’s important no matter what, since a lot of your non-financial accounts store your credit card details already, but if 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 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. 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. THE REAL TRUTH ABOUT HOW I SAVE HALF MY INCOME It’s one thing to set a goal to save half my income, but actually doing it is an entirely other story. Here’s a (brutally honest) look at exactly how I’ve managed to hit my savings goal over the past few months – because I’ve been consistently hitting it every month since October.. Well, OK, not in January, because January was bananas, but even then I hit a 48.5% savings rate, which 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 KOHO REVIEW: BEST PREPAID CARD FOR EVERYDAY USE? A great prepaid card for everyday use. KOHO is a fantastic prepaid VISA for anyone who wants access to cashback on every purchase, excellent savings features to help you save more without noticing it, and a great in-app experience. TANGERINE REVIEW—BEST ONLINE BANK IN CANADA? (2020) Who should use Tangerine: Anyone who wants a great user experience and free daily banking features, with no need to visit a branch to manage your account—you can do it all online. Best features include: Free chequing accounts with all the features you need for daily banking, one of the best cash-back credit cards in Canada, and easy-to-use investment options perfect for beginners. 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 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.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 MANAGING YOUR MONEY ONLINE: HOW TO DO IT SAFELY, FROM HOME Set strong passwords—yes, that strong. If you aren’t yet using a password manager like LastPass to generate secure passwords and store them for yourself, starting to manage your money online is the best reason to start. It’s important no matter what, since a lot of your non-financial accounts store your credit card details already, but if FILING TAXES JOINTLY IN CANADA: WHEN AND HOW TO FILE AS ATAX RATE IN CANADACANADA TAXATION RATECANADA TAXATION RATECANADA TAXATION SYSTEM 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 FOR A NEW KITCHEN (EVEN IF IT'S YOUR FIRSTSAVE KITCHEN SPACEKITCHEN SAVER CABINETSKITCHEN SAVER CINCINNATIKITCHEN SAVER COMPANYKITCHEN SAVERS COSTKITCHEN SAVERS PA 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 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. WILLFUL REVIEW: HOW TO CREATE AN ONLINE WILL IN CANADAALBERTA WILL KITCANADIAN LEGAL WILL KITCANADIAN WILL KITLEGAL WILL KIT 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 SAVING FOR RETIREMENT WON'T WORK. HERE'S WHAT TO DO INSTEAD. According to this calculator, you’d need to invest $1000 and earn 6% interest on your investments over 30 years to end up with a million dollars. Which is still a lot, but it’s about $1,777.78 less than our previous heart-stoppingly large example. And yes, this is asimplified example.
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. 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.
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 MANAGING YOUR MONEY ONLINE: HOW TO DO IT SAFELY, FROM HOME Set strong passwords—yes, that strong. If you aren’t yet using a password manager like LastPass to generate secure passwords and store them for yourself, starting to manage your money online is the best reason to start. It’s important no matter what, since a lot of your non-financial accounts store your credit card details already, but if FILING TAXES JOINTLY IN CANADA: WHEN AND HOW TO FILE AS ATAX RATE IN CANADACANADA TAXATION RATECANADA TAXATION RATECANADA TAXATION SYSTEM 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 FOR A NEW KITCHEN (EVEN IF IT'S YOUR FIRSTSAVE KITCHEN SPACEKITCHEN SAVER CABINETSKITCHEN SAVER CINCINNATIKITCHEN SAVER COMPANYKITCHEN SAVERS COSTKITCHEN SAVERS PA 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 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. WILLFUL REVIEW: HOW TO CREATE AN ONLINE WILL IN CANADAALBERTA WILL KITCANADIAN LEGAL WILL KITCANADIAN WILL KITLEGAL WILL KIT 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 SAVING FOR RETIREMENT WON'T WORK. HERE'S WHAT TO DO INSTEAD. According to this calculator, you’d need to invest $1000 and earn 6% interest on your investments over 30 years to end up with a million dollars. Which is still a lot, but it’s about $1,777.78 less than our previous heart-stoppingly large example. And yes, this is asimplified example.
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. 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.
MANAGING YOUR MONEY ONLINE: HOW TO DO IT SAFELY, FROM HOME Set strong passwords—yes, that strong. If you aren’t yet using a password manager like LastPass to generate secure passwords and store them for yourself, starting to manage your money online is the best reason to start. It’s important no matter what, since a lot of your non-financial accounts store your credit card details already, but if 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 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. 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. THE REAL TRUTH ABOUT HOW I SAVE HALF MY INCOME It’s one thing to set a goal to save half my income, but actually doing it is an entirely other story. Here’s a (brutally honest) look at exactly how I’ve managed to hit my savings goal over the past few months – because I’ve been consistently hitting it every month since October.. Well, OK, not in January, because January was bananas, but even then I hit a 48.5% savings rate, which 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 KOHO REVIEW: BEST PREPAID CARD FOR EVERYDAY USE? A great prepaid card for everyday use. KOHO is a fantastic prepaid VISA for anyone who wants access to cashback on every purchase, excellent savings features to help you save more without noticing it, and a great in-app experience. TANGERINE REVIEW—BEST ONLINE BANK IN CANADA? (2020) Who should use Tangerine: Anyone who wants a great user experience and free daily banking features, with no need to visit a branch to manage your account—you can do it all online. Best features include: Free chequing accounts with all the features you need for daily banking, one of the best cash-back credit cards in Canada, and easy-to-use investment options perfect for beginners. 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 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.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
MANAGING YOUR MONEY ONLINE: HOW TO DO IT SAFELY, FROM HOME If your financial institution—bank, federal credit union, online savings account, etc—is a member of CDIC, your money is insured and backed by this federal Crown corporation up to $100,000 in seven different categories. FILING TAXES JOINTLY IN CANADA: WHEN AND HOW TO FILE AS ATAX RATE IN CANADACANADA TAXATION RATECANADA TAXATION RATECANADA TAXATION SYSTEM 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. HOW TO SAVE FOR A NEW KITCHEN (EVEN IF IT'S YOUR FIRSTSAVE KITCHEN SPACEKITCHEN SAVER CABINETSKITCHEN SAVER CINCINNATIKITCHEN SAVER COMPANYKITCHEN SAVERS COSTKITCHEN SAVERS PA 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 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. FOCUS AREAS, GOALS, AND TACTICS: WHY YOU NEED ALL THREESEE MORE ON HALFBANKED.COMBUSINESS FOCUS GOALSCOMPANY FOCUS GOALSCUSTOMER FOCUSGOALS EXAMPLES
WILLFUL REVIEW: HOW TO CREATE AN ONLINE WILL IN CANADAALBERTA WILL KITCANADIAN LEGAL WILL KITCANADIAN WILL KITLEGAL WILL KIT 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. 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 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 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.
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
MANAGING YOUR MONEY ONLINE: HOW TO DO IT SAFELY, FROM HOME If your financial institution—bank, federal credit union, online savings account, etc—is a member of CDIC, your money is insured and backed by this federal Crown corporation up to $100,000 in seven different categories. FILING TAXES JOINTLY IN CANADA: WHEN AND HOW TO FILE AS ATAX RATE IN CANADACANADA TAXATION RATECANADA TAXATION RATECANADA TAXATION SYSTEM 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. HOW TO SAVE FOR A NEW KITCHEN (EVEN IF IT'S YOUR FIRSTSAVE KITCHEN SPACEKITCHEN SAVER CABINETSKITCHEN SAVER CINCINNATIKITCHEN SAVER COMPANYKITCHEN SAVERS COSTKITCHEN SAVERS PA 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 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. FOCUS AREAS, GOALS, AND TACTICS: WHY YOU NEED ALL THREESEE MORE ON HALFBANKED.COMBUSINESS FOCUS GOALSCOMPANY FOCUS GOALSCUSTOMER FOCUSGOALS EXAMPLES
WILLFUL REVIEW: HOW TO CREATE AN ONLINE WILL IN CANADAALBERTA WILL KITCANADIAN LEGAL WILL KITCANADIAN WILL KITLEGAL WILL KIT 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. 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 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 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.
MANAGING YOUR MONEY ONLINE: HOW TO DO IT SAFELY, FROM HOME If your financial institution—bank, federal credit union, online savings account, etc—is a member of CDIC, your money is insured and backed by this federal Crown corporation up to $100,000 in seven different categories. 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 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 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. THE REAL TRUTH ABOUT HOW I SAVE HALF MY INCOME It’s one thing to set a goal to save half my income, but actually doing it is an entirely other story. Here’s a (brutally honest) look at exactly how I’ve managed to hit my savings goal over the past few months – because I’ve been consistently hitting it every month since October.. Well, OK, not in January, because January was bananas, but even then I hit a 48.5% savings rate, which 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. KOHO REVIEW: BEST PREPAID CARD FOR EVERYDAY USE? A great prepaid card for everyday use. KOHO is a fantastic prepaid VISA for anyone who wants access to cashback on every purchase, excellent savings features to help you save more without noticing it, and a great in-app experience. TANGERINE REVIEW—BEST ONLINE BANK IN CANADA? (2020) Who should use Tangerine: Anyone who wants a great user experience and free daily banking features, with no need to visit a branch to manage your account—you can do it all online. Best features include: Free chequing accounts with all the features you need for daily banking, one of the best cash-back credit cards in Canada, and easy-to-use investment options perfect for beginners. 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. 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.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
MANAGING YOUR MONEY ONLINE: HOW TO DO IT SAFELY, FROM HOME If your financial institution—bank, federal credit union, online savings account, etc—is a member of CDIC, your money is insured and backed by this federal Crown corporation up to $100,000 in seven different categories. FILING TAXES JOINTLY IN CANADA: WHEN AND HOW TO FILE AS ATAX RATE IN CANADACANADA TAXATION RATECANADA TAXATION RATECANADA TAXATION SYSTEM 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. HOW TO SAVE FOR A NEW KITCHEN (EVEN IF IT'S YOUR FIRSTSAVE KITCHEN SPACEKITCHEN SAVER CABINETSKITCHEN SAVER CINCINNATIKITCHEN SAVER COMPANYKITCHEN SAVERS COSTKITCHEN SAVERS PA 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 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. FOCUS AREAS, GOALS, AND TACTICS: WHY YOU NEED ALL THREESEE MORE ON HALFBANKED.COMBUSINESS FOCUS GOALSCOMPANY FOCUS GOALSCUSTOMER FOCUSGOALS EXAMPLES
WILLFUL REVIEW: HOW TO CREATE AN ONLINE WILL IN CANADAALBERTA WILL KITCANADIAN LEGAL WILL KITCANADIAN WILL KITLEGAL WILL KIT 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. 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 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 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.
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
MANAGING YOUR MONEY ONLINE: HOW TO DO IT SAFELY, FROM HOME If your financial institution—bank, federal credit union, online savings account, etc—is a member of CDIC, your money is insured and backed by this federal Crown corporation up to $100,000 in seven different categories. FILING TAXES JOINTLY IN CANADA: WHEN AND HOW TO FILE AS ATAX RATE IN CANADACANADA TAXATION RATECANADA TAXATION RATECANADA TAXATION SYSTEM 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. HOW TO SAVE FOR A NEW KITCHEN (EVEN IF IT'S YOUR FIRSTSAVE KITCHEN SPACEKITCHEN SAVER CABINETSKITCHEN SAVER CINCINNATIKITCHEN SAVER COMPANYKITCHEN SAVERS COSTKITCHEN SAVERS PA 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 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. FOCUS AREAS, GOALS, AND TACTICS: WHY YOU NEED ALL THREESEE MORE ON HALFBANKED.COMBUSINESS FOCUS GOALSCOMPANY FOCUS GOALSCUSTOMER FOCUSGOALS EXAMPLES
WILLFUL REVIEW: HOW TO CREATE AN ONLINE WILL IN CANADAALBERTA WILL KITCANADIAN LEGAL WILL KITCANADIAN WILL KITLEGAL WILL KIT 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. 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 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 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.
MANAGING YOUR MONEY ONLINE: HOW TO DO IT SAFELY, FROM HOME If your financial institution—bank, federal credit union, online savings account, etc—is a member of CDIC, your money is insured and backed by this federal Crown corporation up to $100,000 in seven different categories. 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 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 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. THE REAL TRUTH ABOUT HOW I SAVE HALF MY INCOME It’s one thing to set a goal to save half my income, but actually doing it is an entirely other story. Here’s a (brutally honest) look at exactly how I’ve managed to hit my savings goal over the past few months – because I’ve been consistently hitting it every month since October.. Well, OK, not in January, because January was bananas, but even then I hit a 48.5% savings rate, which 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. KOHO REVIEW: BEST PREPAID CARD FOR EVERYDAY USE? A great prepaid card for everyday use. KOHO is a fantastic prepaid VISA for anyone who wants access to cashback on every purchase, excellent savings features to help you save more without noticing it, and a great in-app experience. TANGERINE REVIEW—BEST ONLINE BANK IN CANADA? (2020) Who should use Tangerine: Anyone who wants a great user experience and free daily banking features, with no need to visit a branch to manage your account—you can do it all online. Best features include: Free chequing accounts with all the features you need for daily banking, one of the best cash-back credit cards in Canada, and easy-to-use investment options perfect for beginners. 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. 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.* Start Here
* Resources
*
* Blog
* Saving
* Spending
* Investing
* Budgeting
* All Posts
* Work With Me
Select Page
* Start Here
* Resources
* Blog
* Saving
* Spending
* Investing
* Budgeting
* All Posts
* Work With Me
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
__
ON THE BLOG LATELY
LESSON LEARNED: WHY (AND HOW!) I TOOK A REAL VACATION THIS SUMMERby Desirae Odjick
| Oct 23,
2019 | Tools
This summer, I did something that according to a poll by CIBC is pretty odd for someone who runs a business.I took a vacation.
THE MOST IMPORTANT THING FOR BEGINNER INVESTORS (IN MY OPINIONANYWAYS)
by Desirae Odjick
| Oct 16,
2019 | Investing
This post is a paid collaboration with Tangerine, but all opinions are my own. I’ve been investing my money in the stock market for over four years now, which both seems like a Very Long Time and no time at all. Over those four years, I’ve written a lot about it,... EXACTLY HOW TO TRACK (AND MANAGE!) YOUR SIDE HUSTLE INCOMEby Desirae Odjick
| Oct 2,
2019 | Budgeting ,
Investing , Spending, Tools
Whether your side hustle is a few bucks here and there, or a more structured, consistent source of income, you need to manage it (and you definitely need to track it for tax time!). Here’s a system I use to do exactly that.Older Entries
FEATURED PERSONAL FINANCE TOOLS Online savings accounts that pay 2.3% interest with an easy-to-use interface, unlimited Interac e-transfers, and custom goal setting.Sign Up
A prepaid Visa card with built-in features to help you save more automatically. Earn an extra 1% cashback for 90 days with codeHALFBANKED.
Sign Up
Get cashback on the online purchases you're going to make anyways, at companies like Amazon, Sephora, lululemon, Lowes—and many more.Sign Up
HI, I’M DESIRAE!
I’m the brain who thought writing about money on the internet was a _totally normal and cool_ thing to do once upon a time. If you’re moneyed out for now, but want to keep in touch, I’m on Instagram, and even Facebook
sometimes. If
you want to take this party to your inbox, you can sign up to trackyour spending
, figure
out your budget , or learn how to start investing (as a total beginner). And if you just
want a clear place to start? I’ve got you fam.
Search for:
SUBSCRIBE
Just want to get new posts by email? All set! Check your email for a final "oh hey" to confirm your address (plus a little bonus for ya.) There was an error submitting your subscription. Please try again.Email Address
Subscribe
* Contact
* Media
* Privacy Policy
* Terms and Conditions Wondering how I built Half Banked? Blog CreditsDetails
Copyright © 2024 ArchiveBay.com. All rights reserved. Terms of Use | Privacy Policy | DMCA | 2021 | Feedback | Advertising | RSS 2.0