I go with the wad of cash
How much do you know about financial independence?
^Could be a solid option.
What is the catch? How can it be free?
Why slag free swag?:rolleyes:
ummm, as your doctor i recommend against riding with a scaphoid fracture.
Mint or the wad of cash?
Money grows on trees.
Mint.
Why slag free swag?:rolleyes:
ummm, as your doctor i recommend against riding with a scaphoid fracture.
Mint.
Ad partnerships with third parties. They'll recommend various credit cards or bank switching based on your habits.
My wife was talking to someone at work about our budgeting and tracking. Apparently the person laughed and jokingly asked if we have a year end review too? My wife replied "Yeah. Of course." :lol:
Best part about tracking all your data is that you can make choices based on it. Analyzing your own spending habits is incredibly powerful.
Best part about tracking all your data is that you can make choices based on it. Analyzing your own spending habits is incredibly powerful.
Also incredibly uncomfortable.
Also incredibly uncomfortable.
Sounds like someone invested more in carbonz bike parts than sound investments.
We do some pretty serious budgeting via a Google Spreadsheet. By we I should really just say my most awesome better half stinky_rider.
Budgeting on food expenses is where she really kills it. We eat like kings for the cost of peasants.
Meals are planned weekly around what is on sale. Capitalize on larger sale items when possible, like pork shoulder, and stretching it out as far as possible.
The real estate price run up has ruined everything. You guys that bought houses in early 2000's and have seen your values triple is like hitting the fu**ing lottery! So lucky.
No amount of budgeting or saving can make up that amount of money for those that are on the outside looking in. I'm fu**ed! Wife wants to buy an 850K home in port moody which means we'll have a mortgage until we're in our 60's. Disastrous. :crazy:
I find the RBC finance tracker handy and depressing at the same time.
The real estate price run up has ruined everything. You guys that bought houses in early 2000's and have seen your values triple is like hitting the fu**ing lottery! So lucky.
No amount of budgeting or saving can make up that amount of money for those that are on the outside looking in. I'm fu**ed! Wife wants to buy an 850K home in port moody which means we'll have a mortgage until we're in our 60's. Disastrous. :crazy:
not sure what your income is like but mortgaging 850K is crazy if you ask me. especially if you dont have kids yet and you plan on pumping a few out. they will suck major cash out of you.
my self imposed rules
on real estate - min 10% down and max 25 year Amortization. if thats out of my budget then I cant afford it. you need some cushion in case interest rates escalate.
Dont buy toys with credit
put away the 18% allowable on RRSP , if its just deduct it from you paycheck you wont miss it.
not sure what your income is like but mortgaging 850K is crazy if you ask me. especially if you dont have kids yet and you plan on pumping a few out. they will suck major cash out of you.
my self imposed rules
on real estate - min 10% down and max 25 year Amortization. if thats out of my budget then I cant afford it. you need some cushion in case interest rates escalate.
Dont buy toys with credit
put away the 18% allowable on RRSP , if its just deduct it from you paycheck you wont miss it.
Wise words.
I'd add the following: if that 18% RRSP is your only investment too, max out your TFSA before buying toys (bikes, boats, beer or boobs).
"I know that heroes ride bicycles" - Joe Biden
Has anyone used RBC's myFinanceTracker and compared it to mint?
No, but can it automatically access BMO bank, Investorline, Amex, Visa and Sunlife accounts? Mint can, and many more.
Wise words.
I'd add the following: if that 18% RRSP is your only investment too, max out your TFSA before buying toys (bikes, boats, beer or boobs).
no I put toys ahead of TSFA's and RESPs, I have too much fun on them. if I get unexpected bonus and my toy garage is full then I put away the extra cash. thats just where my priority's are. I always buy used though and the dont feel the need to have the latest greatest thing when it comes out
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