Give Me Back My Five Bucks

I’m getting my braces today. Quick, somebody say something encouraging!

From Dream Home to Nightmare Debt My favourite financial personality, Gail Vaz-Oxlade has a new show coming out called Til Debt Do Us Part: Home Edition. I am so excited for this new series because it’s exactly what’s been on my mind for the past few weeks. Here is the blurb about the show from HGTV: Home ownership is one of the biggest and potentially rewarding financial commitments that a couple can make, but there are thousands of homeowners who are now questioning their decisions and financial expert Gail Vaz-Oxlade is here to help. This season of Til Debt Do Us … Continue reading →

After speaking with a mortgage broker, I’m left a little deflated. Apparently when they look at income, they want to average out the income over the last 2 or 3 years (I thought it was just a year). So because I’ve only been at my PT job for about 7 months, and I only just started bringing in decent freelancing income over the past 18 months, none of that matters when it comes to qualifying. They will basically only look at my FT income. And because my PT and freelancing income makes up a huge portion of my overall income … Continue reading →

A lot of things are happening this month: I’m getting braces in just a few days, going home for a weekend, and BF could be leaving any day to go work up north. Oh yeah, and we’re looking for a condo. I’m sure that I’ve accounted for all of my spending this month. But I thought I did that last month, and I ended up going over. So my fingers are crossed. Notable changes to the budget include: Entertainment. BF and I are going out to dinner with friends. It’s kind of a big deal because we rarely go out … Continue reading →