Skip to main content

Writing from a Coffeehouse

Image result for coffee house clip art

Friday night: sitting in a cafĂ© and drinking “gourmet hot chocolate”. 

Fifteen years ago, it would have been the start to an evening, and yet now… it’s going to be the full evening. Oh, but getting older has its benefits. I don’t have to stay awake until the wee hours of the night, drinking and dancing. And yet, I sit here and listen to the younger generation talking about all the conquests of this school year.

It’s unfortunate that our society doesn’t encourage the general population to continue learning after the requisite post secondary education is received. So many times, I think we would learn so much more about ourselves if we continued learning about the world we live in.

I think that my need to learn motivates me to choose different areas of life to immerse myself in, and learn as much as I can. At this point in my life, my interest is in freedom. Financial freedom. I am trying to take in so much information, and yet – much like life – the more you know, the more you “don’t know”.

My brainstorming moment is usually when I shower. Strangely enough, that is when I choose to listen to different podcasts and try to take in as much as I can. I suppose it’s food for thought for the rest of the day.  

I’ve also had a great time exploring twitter lately, and Instagram, and learning the way around tumblr and other social media programs. I have had the chance to speak to some of the iconic bloggers and podcasters of personal finance and hustling on twitter. It’s been pretty great.

Before I sign off, I wanted to leave some important content, especially if you are just starting out like me.

While I am not a true follower of Dave Ramsey, I recently heard about his “7 Baby Steps to Financial Peace”. Here’s a breakdown:

Baby Step 1: $1,000 cash in a beginner emergency fund

Baby Step 2: Use the debt snowball to pay off all your debt but the house

Baby Step 3: A fully funded emergency fund of 3 to 6 months of expenses

Baby Step 4: Invest 15% of your household income into retirement

Baby Step 5: Start saving for college

Baby Step 6: Pay off your home early

Baby Step 7: Build wealth and give generously

I am on Step 2. My plan is to make it to the end of this year, then starting 2018, I will pay off all debts. I will update my taxes (yes, they are a bit behind). I will be deciding between paying off my car or looking at getting into an investment property (house hack). That’s what I am focusing on for 2018.
Where are you? Have you started planning for 2018? Any resolutions?

Until next time… 


Popular posts from this blog


Canadians, rejoice!
The time has come! We finally have an app that does what the coveted Acornsapp does for the people south of us. It’s called Mylo.
Mylo is a Montreal-based FinTech startup that has created the only app for Canadians that mimics the old-fashioned change jar….with a twist.
From their own words: "Mylo is a mobile platform that automatically rounds up every purchase that users make and invests the spare change. Then, once plugged in, Mylo uses its proprietary user transactional data and artificial intelligence to provide personalized insights and recommendations so that users can make better financial decisions. Mylo helps optimize users’ insurance coverage, reduce interest payments, maximize travel points and more." USE CODE BENDNEVERBREAK TO GET $5.00 FREE WHEN YOU TRY MYLO TODAY  NO MINIMUM DEPOSIT TO START  What does that mean and how does it work?
It’s actually pretty simple. If you head to the app store on your phone,…

Vacation Tales #2: More Nostril Flaring Fun!

Part Two of Vacation Tales:
Oh yes, my darling senior dog had indeed marked my bag. He did the same thing one year ago, just prior to our departure, and managed to sneak it by me until I was at the airport and noticed something funky-smelling… anyways, I digress. We caught it early enough that it was cleanable, and off we go.
It’s a short drive to the airport; about an hour or so. We left the house at 2:30 am, and arrived at the location where we park our car for the week. We had a lovely surprise that our coupon from booking with Sunwing afforded us a low rate of parking for the week (only $60, win!) and they shuttled us to the airport in a prompt manner.
We checked in, and all was well. In due course, we were on the plane, and headed to paradise.
So we thought.
Let’s take a quick tally of the flight: *Plane running a few minutes behind? Check. *Full flight? Check. *Baby on board who cries for take off? Check. *Belligerent man sitting behind us who was louder than a demanding child? C…

Vacation Tales 1: Nostril-flaring fun

I am back! We arrived back in Canada last night, and what an interesting time we had. In many ways, it was wonderful. In others, your head will shake, your nostrils will flare, and you will be happy that you are reading about my adventure, and not yours! My last post was written at a coffee shop, and that evening, I returned home to find issues with my internet service. It continued on and off until the weekend of the 11th and 12th. For those of you who follow me on Twitter and Instagram, you may have seen my post about exchanging equipment at the local internet provider’s storefront. To my surprise, I received an actual response from the company via Twitter where they actually made an online attempt to “assist me”. TLDR: nothing was accomplished by switching out the modem, and services were down until the technician arrived on Wednesday.
Thursday morning at 6:15 am we were scheduled Let’s try that again.
After much planning and saving, we were able to book a week away. We chose a 4* t…