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…

Debt Payoff Report – October 2017

I’ve been looking forward to October for a few months, because some major funds were coming my way. I got a raise last year which was finally added to my salary so I had about a year of retroactive pay on my paycheque. Even after taxes, it was a nice chunk of change! Although I…

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…

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…

The Debt Bonfire Method

Despite what many personal finance experts will tell you, there is no debt repayment method that fits every situation for every person. The ‘do whatever works best for you’ model isn’t going to sell any books though.. I’m not a personal finance expert, so I’m free to share my honest opinion of the two most…

The Map To Riches

Do you know where your money is going, from the time it comes into your life to the time it evaporates into thin air? (A short time, in my case!) I was inspired by Apathy Ends and Budget on a Stick to create a map of my money – where it goes, how it’s spent,…