Early Christmas Shopping

It’s the time of the year that many of us are gearing towards the holidays. It is always one of the special months of the year, if not the most. December is the single month that we tend to spend the most in the entire year. In our homes, we…

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Should I Pay Off My Mortgage Early?

A question I hear a lot from many homeowners is, “Should I pay off my mortgage sooner?”. Unfortunately, there are no straightforward answers. Ultimately, It all comes down to your personality, risk tolerance, and personal goals. Reasons for paying it sooner If debt and financial obligations cause a lot of…

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Living Less is More

A year ago, the excitement of having our own home again was very noticeable as soon as we went past the hump of all the paperwork and documents. Obviously, we can’t wait and are so keen to get the house keys from our realtor. Thus, we booked ourselves a ferry…

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Make Money Simply by Using Credit Cards

I used to think that credit cards are sources of financial trouble and will drown you in debt if you are not financially literate.  In fact, that was very true at the beginning when unknowingly I accepted and applied for every credit card the banks offered me. What makes matters…

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Buying Our Home with No Money Down

This Covid-19 global pandemic has spoiled a lot of people’s long term goals. While I was ready to go on a semi-retirement stint and do more traveling yet remain working part time or in a casual position – the world has come to a standstill.  Prior to this pandemic, we…

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How We Cut Down Our Phone Bills Down to Zero $$$$?

Communicating with our loved ones or someone these days is far easier compared  to 2 or 3 decades ago. Most of us now carry a cellular phone or a smartphone. It is now becoming a basic necessity. It is now a part of life that many of us can’t live…

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My Top Canadian Tandem No Fee Bank Accounts

Access to banks is essential to almost everyone. Not to mention, we need bank accounts for our salary, emergency funds, savings, investment accounts, borrowing money (loans), mortgages, and etc. At the minimum, we have checking or savings accounts and own a plastic card (debit card) to have access to depositing…

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Generate Multiple Sources of Income

Active income or working as an employee is probably the easiest way to earn a living. Employers pay us either weekly, bi-weekly, twice a month or monthly. Additionally, there are great benefits one can receive as an employee depending on our employer such as overtime pay, paid vacation, sick leave,…

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How to Save Money as a College or University Student?

I am proud to introduce my first contributor to my website, no other than my only daughter – Samantha. Take it away Sam! Hello! My name is Sam, the daughter of this blogger’s site! I am currently finishing my 3rd year of my Bachelor of Science in Nursing (BScN) at…

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Simple Money Saving Tips During These Difficult Times

The world we live in has experienced an unprecedented crisis battling for an invisible enemy. This pandemic has already claimed thousands of lives and a staggering infected individuals reported every day. As countries around the world scrambled to contain the spread of the virus, it has led to difficult decisions…

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