08 May 2013 3 Comments
April ended up being a decent month for us, although boy’s favourite thing to say these days is “we can afford it now.” For some reason, he seems to think that because I am back at a full-time job, my spending habits would automatically change overnight. Silly boy. AND there are some exterior influences that [...]
by Vicky in Level 1: Cash Flow, Personal Finance, Spending Plan updates
02 Jan 2013 9 Comments
I hope everyone enjoyed their holidays!! I was a bit nervous about the budget as I haven’t kept track of the numbers for the last few weeks in December, and although there are some items we definitely overspent on, overall, the damage wasn’t too bad. Phew! The following is my combined expected and actual household [...]
by Vicky in Level 1: Cash Flow, Spending Plan updates
22 Nov 2012 9 Comments
Excuses. I hear them all the time. “I would totally start investing in my company plan, but the forms are somewhere in my house.” “I was charged overdraft fees because I didn’t realize that my other bills came in at the same time.” “I would definitely figure out how much debt I had if I [...]
by Vicky in Financial Well-being: The Game, Level 1: Cash Flow, Resolutions
23 Oct 2012 13 Comments
It is no secret that I love my MBNA Mastercard. Well, I did. The stupid-heads over at TD, who bought out MBNA last November, have made a change. The MBNA Smart Cash Platinum Plus MasterCard carries no annual fee. (Of course!) Unfortunately, the cash rewards that is provided has changed a bit: Get 5% cash [...]
by Vicky in Credit, Favourite products, Level 1: Cash Flow
20 Sep 2012 22 Comments
One of the reasons why I do the spending updates each month is to see where I can cut expenses and get it down to the elusive $2K a month that I would love to hit. Although we do have a decent bottom line each month, I am always on the look out to reduce [...]
by Vicky in Level 1: Cash Flow, Personal Finance
06 Mar 2012 6 Comments
“But I’ll be too old to enjoy anything by the time I retire!” “But it’s on sale and it’s SUCH A GOOD DEAL!” “How much SHOULD I be saving?” Want to know the secret to becoming wealthy? You ready for it? Are you sure? Spend less than you make. Oooh. Ahhh. Let that sink in [...]
by Vicky in Level 1: Cash Flow
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