TFSA 101

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Hello my dear readers! Today feels like another personal finance day. I’d like to take this opportunity to demystify TFSA, a great savings vehicle that the government of Canada has provided to its residents since 2009. It is a vast topic, so I’d like to first focus on what this vehicle is and its benefits … Read more

Credit Cards: Pros and Cons

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What are credit cards? Credit cards are ubiquitous nowadays. What are credit cards? You may ask, if you are new to the financial world. Simply put, credit cards are cards that allow you to borrow money to buy things. This is in contrary to debit cards, which you can only use if your bank account … Read more

Reflection on COVID-19

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Today I’d like to share with you my personal reflection on COVID-19 pandemic. I’d like to touch on how it has changed my perspective on my surroundings and my circumstances. COVID-19 is still impacting our everyday lives. It is unfortunate that COVID-19 still firmly has its clutch tightly around our waists. Stay home. Practice safe … Read more

Credit Card Annual Fee Spreadsheet

Hello my readers! Today, I’d like to share with you a simple yet effective spreadsheet for personal finance. It helps you assess whether you should pay the annual fee on a credit card or not. For starters – free is the way to go There are a myriad of credit card options available for us … Read more

Painless Everyday Savings Tips

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Would you be interested in learning some painless savings tips for everyday items? Well, this article has you covered. Why we trim There are many ways to save money. Some advocate for spending less by buying fewer lattes and avocado toasts, while others advocate for various financial diets such as a cash diet. These methods, … Read more

Millionaire Spreadsheet

Hello my dear readers! Would you like to know what it takes to be a millionaire? Well, you can now use my simple spreadsheet to find out! This spreadsheet contains two calculators: one will show you at what age you will become a millionaire, and the other will show you the annual savings needed if … Read more