My Heisenberg Moment

Facing a desperate situation – a six figure student loan debt with no six figure income – I did what many graduates do at first.. I ignored it. I decreased my spending enough to make slightly more than the minimum payments. In some months I relied on the credit card float and then paid it…

I Love My Job / I Hate My Job

My emotions surrounding my career are all over the place. Sometimes, I’m proud of my accomplishments and excited for the future. Sometimes, I want to curl up in a ball under my desk and sob until I pass out. Sometimes, I swing between these two polar opposites in the same hour. Writing about financial independence…

Dynamic Timelines Of Financial Independence

Starting on the path to financial independence (FI) was hard. I had to come face to face with the consequences of my past decisions, including six figures of student loan debt. At the beginning, it was all overwhelming. When I first read about FI, I panic closed the browser and dismissed it as something that…

Sunday Dread

If you’ve ever had a weekday work schedule, you’ll know the barrage of feelings that Sunday brings. You wake up Sunday morning with your heart beating a little harder, your chest constricting a little tighter, and your mind running a little faster. The task list starts to creep back in as the weekend hours wind…

Everything I’m Not

Labels are tools that help us make sense of the world, and the links we create between and among us. These defined categories are one of the ways we cultivate belonging, but they’re also one of the ways we promote othering. When we mentally classify individuals or groups as ‘us,’ we automatically create the opposing…

Debt Payoff Report – September 2017

Did September even happen this year? I think I missed it. The only thing I remember about last month is that the Bank of Canada raised interest rates again. It’s always stressful when the amount of interest on your debt increases. It feels like you’re climbing up a hill of sand and suddenly you slide…

I’m Still Living Paycheck To Paycheck

I no longer have any credit card debt. I have an emergency fund. I’m paying down my six figure student loan debt and increasing my net worth at a decent pace. Even though I’ve made massive changes, you would never know it from my thoughts or activities. I still check my accounts multiple times a…

Your Personal Finance Unicorn Does Not Exist

When I started paying back my debt at a faster pace than the absolute minimum that my lenders required, I got really excited about it. In my eagerness I started talking to friends about this radical practice, thinking that they would be grateful for the life changing shift in perspective. These conversations, for the most part, didn’t…

Financial Ruin Is Not Empowering

If you think your finances are entirely ruled by careful consideration and freewill, riddle me this: Why does consumer research show the exact opposite? Why do marketing budgets show the exact opposite? Why are lenders making serious cash hand over fist? The emotions behind spending are complex, and a shift in technology and communication means…