when do I get my adult certificate?
I’m a big fan of two things: celebrating financial milestones and stickers. It is a fact that everyone loves stickers. The 19-year-olds I used to teach react the same way as the 10-year-olds. So today, I’m combining both together to bring you a sticker set that celebrates the various financial milestones you may or may…
It’s final, I’ve signed the contract with the new school and I’m moving on! I alluded to my job change when I talked about how I only spend $350 a month living in China. I didn’t mention the financial cost of that decision so let’s take a look at what made taking a pay cut…
You’ll notice it’s clearly not April, but hey, #lifehappens. Tax returns came and went, I had some surprise costs, and still managed to increase my net worth, woohoo! Given that I have about 5 months worth of pay still coming in I’m right on track to break over $50,000 net worth by the end of…
April was a heck of a month! I tracked every penny I spent this month to see the cost of living in China – and wow was it surprisingly low, even with some unplanned events. Life decided to really live up to the April Showers theme by a) dumping a Master’s degree application in it,…
Stop me if you’ve heard this piece of financial advice before: “You should save 10% of your income.” It’s one of those general financial guidelines floating around out there most people (i.e. me) have heard of. I wouldn’t call it the worst piece of financial advice but it’s certainly not a good one. Spending 90%…
I’m progressing nicely towards my goal of having over $50k in net worth by the end of this year. The numbers make it look like I’ll reach it in just a few months but there are taxes and exchange costs that will come out. Canada and China changed their tax rules recently and I’m very…
Something something, schools should teach students real finance. Today, I’m going to do a quick overview of what marginal taxes are, RRSPs, and how TFSAs are different from RRSPs. Marginal Tax Rates Imagine your gross income as money pouring out of a faucet and filling up buckets. Once the first one is filled, you get…
For someone who’s planning to retire really early it’s a little weird that I have never used a budget. This may change in the future, but for now, I don’t feel the need to*. My London Finance Review was the closest thing, and I’d recommend everyone should do one of those. I took what I…