How to Save a Five Figure Down Payment (And What To Do After That)

DesiraeGoals, Saving, Strategies7 Comments

How to save a five figure down payment if you're trying to buy a house.

In order to buy a house, you’ll likely need to know how to save a five figure down payment, and that’s if you’re in an affordable housing market. With a minimum (Canadian) down payment of 5% of the house purchase price, even a $200,000 house will require a minimum down payment of $10,000. (The required down payment jumps to 10% … Read More

The Real Truth About How I Save Half My Income

DesiraeBudgets, Lessons Learned, Saving53 Comments

How I've managed to save half my income - and how you can too.

It’s one thing to set a goal to save half my income, but actually doing it is an entirely other story. Here’s a (brutally honest) look at exactly how I’ve managed to hit my savings goal over the past few months – because I’ve been consistently hitting it every month since October. Well, OK, not in January, because January was bananas, … Read More

How to Spend (or Save!) Your Tax Refund for Maximum Happiness

DesiraeLessons Learned, Saving, Spending24 Comments

Hundreds – or thousands! – of dollars is about to hit the bank accounts of tax-filers everywhere over the next two months. That’s right, it’s tax return season – and it’s time to make sure that you spend (or save) your tax refund for maximum happiness. Pre-S: Still haven’t filed? Check out Simpletax, the tool I use + love to … Read More

Manage Your Money Like a Pro – Even If You’re “Not” One

DesiraeBudgets, Goals, Lessons Learned, Saving, Spending4 Comments

Manage your money like a pro - here's how to start.

Managing your money can sound like this Big, Scary Thing – I get that. There’s acronyms, and experts, and a whole complex industry around it. Sometimes, things do need to get that complicated, but if you’re just getting started – or even if you started managing your money a few years ago – trust me when I say things do … Read More