Use your money to live a life you love.

Being "good at money" isn't as hard as it seems—and no, you don't have to give up your lattes to do it.

It’s all about doing four things well (and they’re not too hard, promise).

Spend well.

“Um, isn’t this a personal finance website? Isn’t spending bad?” Not on your life. Spending money is a key part of managing your money well, and I don’t mean in the don’t-spend-it way. Figuring out how you’re currently spending your cash, and whether it’s making you happy, is the best first step you can take to getting great with your money.

Do You Know How Much You Spent on That?

You Can Have Your Latte and Your Money Goals

Why & How You Should Track Your Spending

How to Choose the Best Credit Card (for You)

Save money.

Saving is the key to all the big, fun, exciting things you want to do, whether it’s buy a house, get a dog, take a big vacation… I could list these all day. And sure, it’s not the easiest thing to do, but there are strategies you can use to get started no matter where you’re at—and future you will be so happy you did.

How to Avoid Spending Your Savings

The Case for Multiple Savings Accounts

How I Actually Save Half My Income

How to Save a 5-Figure Down Payment

Make a budget.

Once you’ve got a handle on your spending and saving, this is the easy part—and budgeting doesn’t mean depriving yourself of anything. It’s just a way to figure out how you’re going to use the money you have to live the life you want, usually on a monthly basis. See? Not so bad!

How I Built A One-Category Budget

This is Why Your Budget Isn’t Working

In Defence of the Fun Budget

These Three Words are Budget Magic

Invest your money.

This is a non-negotiable, pals, even if you’re convinced investing is too hard, or that you don’t have enough money. Investing your money is the best way to build wealth and retire a rich human, and there are totally approachable options available that you can start with as little as $50 these days.

Does Your Savings Rate Matter in Investing?

What to Know Before You Start Investing

How to Choose the Right Robo-Advisor

A Millennial’s Guide to the TFSA

As seen on

A personal finance blog for millennials who want to do money guilt-free.

Who am I to talk about money?

My name is Desirae Odjick, and I’m on a mission: help you use your money to live a life you love, because yes, it’s totally possible.

If you’ve ever felt like you have no idea where your money has gone at the end of the month, or been so overwhelmed by financial jargon that you were like nope, better not even look into this stuff? Friend, you are so in the right place.

I know, because I was you. (I still am in a lot of ways, I just have cheaper car insurance because I finally learned how to compare my rates, and I figured out how to invest my money with the help of my pal Google.)