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Rakuten Canada Review: Earn 1-10% More Cash Back

This Rakuten Canada review is long overdue, because any time it comes up in conversation in real life, I cannot shut up about how much I love it.  And honestly, I really slept on it for a long time! Rakuten Canada (formerly ebates.ca) has been around for a while,...

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How to Save Time Managing Your Business Finances

This blog post is sponsored by CIBC but all opinions expressed are my own. I haven’t been shy about sharing that one of the most impactful things I’ve ever done for my personal finances is starting a business—even if it did kind of happen by accident. When I first...

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Why I’m Not Saving Half My Income Anymore

When I started this blog, it was for a simple reason: my goal was to save half my income, and I thought it’d be interesting to write about. While I’ve never shared exact numbers on my income, I like to think I’ve always been transparent about what has worked—and...

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How to Save for a New Kitchen (Part One)

If you’re wondering how to save for a new kitchen, the best advice I can give you is this: start now. (And no, not only because kitchens can come with a hefty price tag!) As you might have seen on Instagram, we’re in the early stages of a kitchen renovation. However,...

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The Case for Multiple Emergency Funds

This post is sponsored by Alterna Bank, but all opinions, stories, and emergency fund anecdotes are my own. “Multiple emergency funds? But I’m having trouble even saving up one emergency fund.” If that’s what you’re thinking when you hear “multiple emergency funds,”...

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8 Actually-Easy Ways to Save More Money

I spoke at an event last week, and the moderator asked a great question: “What are some easy ways to save more money?” I say great question, but I completely blew it in person, and was like “Uuuhhhhhh track your spending?” Which is a great way to save more money, but...

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What You Should Read While I’m Away

As a lot of you know, I'm taking a few weeks off to celebrate my wedding this summer (here's a post about how we budgeted for the wedding, and the best wedding budget tips I've found this year!). That starts today, and I'll be back on August 20th with a new post! But...

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5 Thoughts After One Year of Home Ownership

In honour of the one-year anniversary of moving into our house (this Friday!) I wanted to share some thoughts I have about our first year in the house has been like, and on home ownership in general.  The type of house you buy will impact your lifestyle a lot. The...

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Saving For Retirement: Is It Even Possible?

The internet is so mad! Again! About retirement guidelines! If you’ve seen the “by 35, you should…” meme out of context, it’s all based on an article in MarketWatch that recommended—accurately—that you should have 2x your salary put away for retirement by the age of...

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What Tracking My Calories Taught Me About Money

You would think, for all the articles I’ve written about tracking your spending, that I wouldn’t be so surprised at the power of tracking, right? Like “Desirae, you’ve been talking about this for almost three years. You are the annoying cheerleader for tracking that...

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Paying Off Debt: Did I Miss The Panic Memo?

I have debt. A few years ago that sentence would have sent me into a total tailspin. I was always so adamant about not carrying credit card debt (still am, btw) and I even bought my first car in cash. Debt was not a part of my financial life. But right now, it is....

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How Much Does It Cost to Sell a House?

When we sold our place, I kept track of everything we spent on the process—and spoiler alert, it was not cheap. (And that’s not even counting the sheer stress of the process, although I did count some of the convenience purchases we made to alleviate the stress!)

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Or, And, If: Three Magic Words for Your Budget

This is not some “The Secret” post about how if you just think magically, money will show up in your life. Nope, it’s much more focused on how to make choices and think of options you had never considered—especially not when every piece of standard wisdom says you can’t do this stuff.

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How to File Your Taxes Online in Canada

Wondering how you can possibly do your taxes yourself? Trust me, it’s not as hard as Tax People make it seem (especially not with my one true tax love, SimpleTax, made by Really Great Tax People Who Want You to Be Happy.) Here’s everything you need to DIY your taxes this year.

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How Not To Choose Between a TFSA and an RRSP

It’s been a while since I shared a hilarious tale of the times I did the opposite of what standard financial advice - whether my own or someone else’s - would have recommended in that situation. For reference, the things I’ve been an example of how NOT to do include...

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How to Budget for Non-Monthly Expenses

The one thing that can really throw a wrench in your monthly budget? Irregular expenses. Whether it’s an insurance payment, a medical purchase, a vet bill or something else entirely, here’s how to plan for them so you can handle them with ease.

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Why I Wear The Same Thing Every Day

This one time, I went full Steve Jobs and decided to wear the same thing every day to work. Here’s why, what happened, and how much it cost (and yes, I’m a woman, and yes, it is possible for us to do this too).

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