Why I Need Money in My Own Name to Feel Safe

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Money in My Own Name to Feel SafeLast week on Twitter I said that women need to have their own money and credit cards in their name only. Lots of people were telling me that in the event of divorce assets would be split in half regardless of which name was on the account. That is unfortunate but not unsolvable. A prenup/postnup could be put in place to keep assets secure. But that wasn’t what I was talking about. I believe that women should have their own money so they are able to feel safe and have money that no one else can access should she need to leave the relationship quickly. Read more

Do You PF In Your PL? Giving Financial Advice to Friends, Family & Co-Workers

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Do You Provide Financial Advice to Friends, Family & Co-Workers?

As a personal finance blogger, and a part of the GPF (Greater Personal Finance) community I am surrounded by tidbits of advice on how to save more, spend less and achieve your financial goals.  Sarah and I have our own opinions on what “the best way to go” is. These opinions are deeply rooted in what works for us.  We acknowledge that what works for us, won’t necessarily work for other couples or singles.  Personal finance is part of my life, but it isn’t all that defines me.  A few close friends are aware that Sarah and I created this blog.  For the most part it remains separate from the rest of my life.  This is a personal choice that I have made for several reasons.

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Life With A Baby: Month 7

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Life With A BabyLife With a Baby Month 7 we went through new teeth, trying to crawl and planning for the baptism.

Monster Baby:

Ava is a bigger than average baby. She is very long and we are often in different size pants vs tops. By 4 months she was wearing 6 month clothing and by 5.5 months she was wearing 9 month clothing. She wasn’t even 8 months and was in 12 month clothing! By this time she was the size the average 1 year old! My poor back! Read more

Female Personal Finance Bloggers You Need to Be Reading

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female personal finance bloggersHappy Birthday to Us!

Yesterday was our 2 year blog anniversary. So much has changed in our life in the past 2 years. Between Scott’s job loss, reduction in pay, my promotion, baby Ava and my maternity leave we have been through a lot personally. But I don’t see much value in sharing about writing about the blog and how that has changed us. Instead I’m going to share with you the female personal finance bloggers that inspire me every day. Read more

Cheating on Your Financial Diet

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If you’ve ever been on a diet, especially one of those fad diets, you know all about cheat days.  These are the days where you deviate from your regular diet and eat pretty much whatever you want.  If you are really disciplined, you can have these moments where your choices aren’t the healthiest and then immediately revert to your plan.  Unfortunately this isn’t always the case and weeks or months of hard work can be erased.  It can happen fairly quickly with a weekend of going to town on junk food.  The same goes for a budget, which can be a sort of financial diet.  Just like a diet, there is a potential to cheat on it.

 

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Mistakes I Made In My Career

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Mistakes I Made In My CareerIn 2018 I celebrated 10 year at my company. Well not exactly, since I’m currently on maternity and not there at the moment, however it counts all the same. I have been thinking about what I accomplished in 10 years and what I have to look forward to in the future. I feel that I have been in the workforce long enough to dish out some advice to you. Regardless if you are just starting out or have been there for a while take a look at the list below and don’t make the same mistakes I made in my career. Read more

Should Your Income Influence Your Politics?

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There is no getting away from it the Western world is more politicized than in previous years.  All you need to do is tune into any late night talk show and you’ll have almost every bit centered around politics.  This is especially valid in the United States where the politic atmosphere has been bouncing between a nightmare and a farce.

Until a few years ago, I wouldn’t even bother casting my vote for any political race.  Now I very much want to cast my vote.  The reason I wouldn’t vote before is still part of my viewpoint.  I don’t believe my vote can influence the outcome.  For our Canadian elections your area is Liberal, Conservative or NDP more or less.  If I go against the grain my vote only moves the needle by a fraction of a percentage point.  I vote now because I feel it is irresponsible not to.

What party I back is my business, but there is no doubt that the political parties vary on many different platforms.  For finances, typically one party favours the rich while the other favours the working class.  The question is that as your financial situation or income stream improves, should that be enough to sway you one way or the other?

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Whats The Point of Point Cards: How Gift and Point Cards Get Ignored

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Cards are worth as much as the plastic they are made out of if they don’t get used!

There is no doubt that you’ve witnessed or done it yourself – points cards gathering points that never get redeemed or gift cards that never get used.  If you look in my wallet on the main side I have my payment cards and my identification.  Flip over to the other side and you’ll find a treasure trove of points/loyalty cards.  We have an envelope at home with a dozen or so gift cards from places we don’t go to that have been given as gifts over the years.  These go unused and are wasted.

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Use Your Benefits or You Lose Out

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Use Your Benefits I have a confession. This is really the first year that I’m using my extended health employer benefits. Other than getting glasses and going to the dentist I don’t use my benefits to the fullest potential. Each year I get $1000 to use on paramedical expenses including massage, chiropractor and physio therapy among other things.

Scott has had a couple of pain issues that the doctor recommended going to a massage therapist. After a couple of months of him going and having a good experience I decided that my back pain was enough for me. Babies are heavy and the muscle spasms in my back since almost 2 weeks postpartum were causing discomfort. While I was lying on the table I kept thinking about how much money I had wasted by not using these benefits that were provided to me free of charge. If I got an extra $1000 a year I’m sure I would find a way to work that into my budget without an issue. Why are extended health benefits any different? Read more