financial independence

Everyone Needs A Fuck Off Fund: The Relationship Edition

Everyone Needs A Fuck Off Fund: The Relationship Edition

YES, E-V-E-R-Y-O-N-E! Even if you’re in a relationship and you have joint savings, you each still need your own Fuck Off Fund. If you haven’t read A Story of a Fuck Off Fund by Paulette Perhach, it’s a must! Perhach refers to the Fuck Off […]

An Insider Guide To The Instagram Debt Free Community

An Insider Guide To The Instagram Debt Free Community

I owe a lot to the #debtfreecommunity on Instagram. I started an account as an online diary to track my progress and keep myself accountable in paying off six figures of student loan debt. At the time, I didn’t even know that an online debt […]

Confession: I Hide Money

Confession: I Hide Money

Some people love to squirrel money away and enjoy watching their accounts grow. I’ve never been one of those people. Money available meant money to spend – at one point even credit available meant money to spend! While I’ve worked hard over the past few […]

Nobody Should Die For What I Wear

Nobody Should Die For What I Wear

Today marks the anniversary of one of the worst industrial disasters in history – the Rana Plaza building collapse that killed 1,134 and injured another 2,500 on April 24, 2013. Severe cracks in the Bangladesh garment building’s walls compelled police to require an evacuation. Disregarding […]

Credit Scores Aren’t Financial Report Cards

Credit Scores Aren’t Financial Report Cards

Have you ever received one of these letters from a bank? “Congratulations on being a responsible credit user! We’d like to offer you an increase on your credit limit. We appreciate your business and hope you enjoy this extra purchasing power!” Now, to me that […]

Things I Missed When I Quit Shopping

Things I Missed When I Quit Shopping

The novelty of trends and designs The time between unwrapping a perfect object and its first sign of wear, entropy in action The marking of occasions and milestones The feel of soft fabrics running through my fingers The thrill of completing a task that only […]

When Did Living Alone Become The Minimum?

When Did Living Alone Become The Minimum?

One of the opinion pieces that fascinates me every year is the minimum amount it costs millennials to live in my city – Vancouver, Canada. Here’s the breakdown: Housing: $1,929.67 Phone and Internet: $105 Transportation: $133 Groceries: $211.97 Entertainment: $321 Fitness: $75 Insurance: $20 Total: $2,795.64/month, or $33,547.68 annually For most of these […]

You Can Do Anything For 30 Minutes

You Can Do Anything For 30 Minutes

On Monday last week I decided that I would be going to the gym at 6AM. It wasn’t something I’d extensively planned. It wasn’t a ‘new year, new me’ move. It wasn’t even a habit I intended on creating. I just wanted to go to […]

Travelling While Indebted

Travelling While Indebted

Some recommend avoiding all luxuries while paying off non-mortgage debt – no travel, no meals out, no purchases other than necessities. I’m not one of those people. A few of my friends and family members have passed away at young ages, and I know that […]