About

 

 

 

I am a 30ish-year old with a mission to save my family and friends from the destructive powers of money! (cue theme song and costume change!) No, not really. I just want them to become more financially-savvy and develop a better relationship with money.

I graduated as valedictorian of my high school (which was literally a box in the middle of nowhere east of Calgary), and graduated with a Bachelor of Science degree in Actuarial Science with Honours (or something like that) and spent over 6 years working as a retirement analyst and associate in one of the largest HR consulting firms in the world. I am an associate in the Society of Actuaries (let’s pretend it is so much cooler than it actually is), and am currently spending my “retirement” helping people develop their money knowledge to learn how to harness money’s power for good rather than evil. Aside from teaching them basics about money and budgeting and how to grow their net worth, I currently also manage over $350K in investments.

I <3 math and numbers and spreadsheets (I wonder why I don’t get invited to a lot of parties), and <3 reading about anything to do about personal finance and investments.

Typical disclosure stuff: The articles posted on this blog are my opinion and should not be considered professional financial advice. i.e. Please don’t sue my a**.

I can be reached at vicky@vixmoney.com.

10 Comments

  1. Leigh
    Mar 01, 2012 @ 00:46:21

    I also <3 math and numbers and spreadsheets and don't get invited to a lot of parties! (It does help though that most of my friends are also software developers.)

    Reply

    • Vicky
      Mar 01, 2012 @ 14:26:47

      A girl after my own heart! :) It’s great to have you around!

      Reply

  2. Christine
    Mar 01, 2012 @ 15:00:04

    Love your blog, Vicky! I have learned to love numbers and spreadsheets, and financial stuff is my current obsession. Your blog has provided some of the best, concise, practical knowledge out there for someone like me: just starting out and a little frantic about a looming (in 25 years) retirement.

    Reply

    • Vicky
      Mar 01, 2012 @ 21:53:51

      Thanks Christine! I am glad you are finding it helpful. If you ever have any questions or would like further explanation on any topic, please feel free to fire me an email!

      Reply

  3. Elizabeth
    Jun 22, 2012 @ 19:19:36

    Hi Vicky!
    What’s your take on the rent vs home ownership dilemna? Are there times when you recommend one over the other? Are you a life long renter or short term? Would love to see a post on this subject.

    Reply

    • Vicky
      Jun 23, 2012 @ 08:11:32

      I would recommend renting or owning based on your personal situation. You should take into account how long you are going to stay in a place, what your financial picture looks like, and what the current housing market around you is like. I don’t believe in having all your net worth locked into one illiquid asset. Personally, I would like to eventually own, but the situation has not made sense for me yet. :) Thanks for dropping by!

      Reply

    • Vicky
      Jul 05, 2012 @ 08:40:06

      Hey Elizabeth,

      For an interesting perspective, please check out the comments on my June spending plan update as a reader illustrates the cost of owning a place. See if you agree!

      http://vixmoney.com/june-2012-spending-plan-results

      Reply

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    Jul 01, 2012 @ 13:03:47

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  5. Elizabeth
    Jul 05, 2012 @ 11:36:23

    Thanks for the heads up Vicky!
    Charles makes a strong argument against home ownership for high investment returns but I’m not sure about a property value of $70,000 in 1980 in Toronto only being worth $150,000 thirty+ years later. Sounds a little low.
    If someone paid rent for a comparable property in 1980 and invested the difference in what the homeowner would have had to pay (including all carrying costs), how do the numbers look side by side?
    Need help loving the numbers and spreadsheets. :)

    Reply

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