The Joy of Living Within Your Means

When's the last time you had this much fun?

It’s been close to a year since I last posted on this blog. Without getting into too much detail; lots of life changes and a lack of motivation were at play. To be honest, I had accomplished a lot of what I had set out to in my two years of blogging, and I wasn’t going to force content. However, ... Read More »

Embracing Investment Performance

fund performance

For all intents and purposes the success or failure of personal investments hinges on four factors: Savings rate Fees paid Return on investment Taxes paid Taxes become much less of a factor when investments are held in non-registered accounts such as RRSPs and TFSAs. In terms of importance, I would rank in order presented but have come across many persuasive ... Read More »

Moving Musings

Real estate

Next month I’ll be moving to a new home. It’s an exciting time for my family, but it comes with a lot of work, and of course, money. The new house is a bit of an upgrade from my existing home. On this blog I’ve always preached trying to keep a low cost of living overhead, so what gives? First ... Read More »

September 2015 Net Worth Update

fall

Great to be back after a one month hiatus. There’s been lots going on at work and home, so writing on the blog took a back seat for a while. We’re officially 75% of the way through the year, which is an excellent time to take a look at where I stand on some of my 2015 goals. I haven’t ... Read More »

Pension Annuity Advice

annuity retiree

The aim of this post is to explain what exactly a pension annuity entails and lay out the upside and downside of ownership. In October’s post, I’ll provide an opinion on the viability of annuities and drill down on a few key characteristics. In its simplest form (and for purposes of this post), an annuity involves: Handing over a lump ... Read More »

August 2015 Net Worth Update  

wayne's world

What the hell is going on in the stock market these days? Within one week the S&P 500 index dropped over 11%, however a few days later it recovered to cut that loss in half. Below S&P chart for the month of August – note the ass whoopin’ at the end. It’s times like this I wish I didn’t check ... Read More »

How Little Could You Live Off?

make ourselves rich

Extreme frugality is a force to be reckoned with. Those welding it can quickly amass a small fortune in a short period of time and enjoy an early retirement. However, for many frugality is not a choice, it’s a necessity. Consider the minimum wage in Ontario, Canada is $11.00 per hour. Assuming someone earning minimum wage works 35 hours a ... Read More »

Job Salary Negotiation

Pay raise

The quickest way to increase your earning potential is to ask for a pay increase at your current job, or negotiating your salary at a new job you’re starting. Sounds like a pretty easy get rich fix, right? The truth is most people are completely terrified to ask for a raise and often take whatever is given to them by ... Read More »