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By Couple of Sense

Sarah and Scott are personal finance bloggers and coaches. They have paid off debt, paid for a wedding in cash, bought a house, completed home renovations, gone back to school and handled everything else along the way without going into debt. They want to share how you can do that as well! When they aren't writing or talking about money you can find them at home, working on their home, in their veggie garden, binge watching some TV and snuggling with their cat.
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Why I Don’t Want To Move Out Of My Starter Home

Starter HomeWe have lived in our house for over 4 years now.  It’s an open concept townhouse in a prime location, with 3 bedrooms and 4 bathrooms. A finished basement, hardwood and stone counters throughout.  Finished backyard with a deck and patio…wait this starting to sound like a listing for the house.

We Like To Move

Did you know that according to a study by comFree 28% of Canadians feel the urge to move every 5 years?  We are approaching that mark in our house.  I have told family and friends that I don’t want to move right now or at all.  Most people look at me with some side eye because we live in a “starter home.”  They say once the house gets too small we might change our mind.  I’m not so sure about that.

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Why It Is Perfectly Normal To Stress About Money

Money Stress – The Human Reaction

Money can be a huge source of stress; that is a truth that is very hard to get away from.  Money causes fights, can split up couples and can truly make or break you.  Having a budget is a great way to reduce the stress about money.  Even with a budget, if something goes wrong inevitably that will lead to stress.  But money hasn’t always existed so why is it a natural reaction to get stressed out when money gets tight?  Why does logic escape us leaving us fighting back freak outs and dealing with migraines?  I have a theory.

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5 Money Tips on Your Baby Checklist

Baby ChecklistHaving a child is a big deal.  I hope you are fortunate enough to be able to make that decision when the time is right for you and your family.  Having a child is also very expensive.  In Canada having a child costs approximately $243,660 from newborn to 18.  Yikes!  And that’s not including post-secondary schooling.

So how can you start planning for this?

Well there are a couple of money tasks that need to be part of your baby checklist.

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5 Things I Learned While Job Hunting

A Job Hunt Review from Someone Who Just Went Through It!

Before I get started on what I learned while job hunting, a bit of a background.  In 2006 I was hired by a small, family-run company to manage one of their larger clients.  By 2008 I was promoted to a position where I managed all the clients, and the suppliers, and the employees.  I held this mystical position known as Operations Manager.  This meant that I did pretty much everything: sales, payroll, scheduling, accounting, hiring, firing…basically everything to do with the ongoing operations of the company.  I thought I was invincible.  With the processes I put in place, 4 people’s jobs became 1 – mine.  Then to my surprise, one spring morning in 2016 the pedestal came crashing down.  I was provided a working notice. It was a pretty bad day, just after a great day.  The day before Sarah and I did our official launch of Couple of Sense.

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What I Think About Women + Money + Sexism

Women and MoneyAre we done yet with the women suck at managing money jokes?  “My wife spends all my money, blah blah blah.”  “Hold your wife’s hand in the mall; it looks romantic but actually economical.”  It’s tired, played out and downright sexist.

Over the last couple of weeks I have heard many people share stories about sexist attitudes towards women and how they manage their money.  For the record these are professional women with jobs being told in their place of work that they need to ask permission to spend money or imply that they are bad with money in some way shape or form.  It doesn’t even matter if it’s a stay at home mom at the receiving end of these jokes.  Not cool either way.

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The Perfect Storm

The Perfect Storm: Instant Gratification Meets Delayed Payment

Buying things you want has never been easier than it is today.  With a few clicks on your phone (or even your watch) you can purchase almost any good or service imaginable.  You can order a pizza, purchase a week’s worth of groceries, buy concert tickets.  You can even get an automatic bonus on Candy Crush.  If you have a “smart home” you can set the program to automatically order certain goods when you run low.

This wasn’t always the way it was done of course.  If you want to go really far back, you’d have to club what you want and drag it back to your cave.  But even in the past 30 years the evolution of payment has sped up astronomically.  The vast majority of these conveniences are linked to credit rather than actual cash (in the bank or otherwise).  This is where we reach the perfect storm – where instant gratification meets delayed payment.

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Engaged? The 5 Money Talks Before You Say “I Do”

EngagedRecently engaged?

Did you know that December is the most popular month to get engaged?  According to a study from Facebook compiling data from over 2.5 Million users Dec 24th is the most popular day to get engaged.  30% of all engagements happen between the month of November and December.

After the excitement and celebration of getting engaged clears there are a couple of money talks that you must have before you say “I Do”.

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Best Wishes to a Wonderful 2017

2017Best for 2017:

Instead of the usual Wednesday post from us we wanted to share with you our best wishes to a happy and healthy 2017.

I know for many 2016 was a very rough year.  But for many of us we still have a lot to be thankful for.  We are still here and have the wonderful chance to make the new year a wonderful one.

I’ve always been a big fan of New Year’s Eve.  I think it’s because there is less pressure on gifts and stress.  It’s about starting a new and looking forward to new possibilities.

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What Is Your Personal Hourly Rate

The Value You Put On Your Time

money-finance-bills-bank-notesI’ve had a few jobs where I got paid by the hour, specifically when I was younger.  I worked at a coffee shop, a summer camp, a movie theatre, a fast food restaurant, a video rental store. There were a few others for a summer here or a weekend there.  It was certainly important to me what my hourly rate was. Though my pay almost always started close to or at minimum wage.  Going from $8.35 to $8.75 an hour was a huge accomplishment.  That meant my time was worth more, a whole forty cents more every hour than it was before.  Something happened as I got older though – time has become a very valuable commodity.  My personal hourly wage has gone up.

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Invest In Yourself

investInvest…

We run a personal finance blog.  I can’t say this enough but saving and investing are important actions to take to grow your net worth and more towards financial independence.  I’m sure you check your accounts, invest on a regular schedule and manage your portfolio with all the tools you have at your disposal.

But how often do you invest in yourself?

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