It started with a belt. I was browsing a thrift store for a simple black belt and found one in my size for one dollar. Since the day I made that purchase, I’ve worn that belt nearly every day. I love how it adds a little something to whatever outfit I wear and how well... The post What a Thrifted Wardrobe Taught me about Spending and Saving appeared first on Money After Graduation ..read more

Making an offer on a home during the current real estate market can feel overwhelming. If it’s not a multiple bid situation, it’s outlandish offers well over market value or people willing to drop all conditions before signing their mortgage on a home. Therefore, you need to arm yourselves with the right tools to manage... The post How to make an offer on a home in a difficult market appeared first on Money After Graduation ..read more

Raising a family is major life goal for many, but the potential costs can seem overwhelming to aspiring parents-to-be. But how much does it really cost to raise a child in Canada? Most estimates peg the cost of raising a child in Canada at $250,000 from birth to age 18. This works out to approximately... The post How much does it cost to raise a child? appeared first on Money After Graduation ..read more

The Registered Retirement Savings Plan (RRSP) is one of the most powerful tax-sheltered investment accounts available to Canadians. The only way to make use of its power to lower your income taxes and boost your retirement security is to make contributions. But how do you do that if money is tight? How does an RRSP... The post RRSP Loan: Does it makes sense to borrow to invest? appeared first on Money After Graduation ..read more

                  Neo Financial is the latest fintech brand to enter the Canadian banking scene, and they’ve put forward an incredible offer: a high-interest savings account and a credit card that earns you a supercharged cash-back rate at partner retailers.                   I’ve been using Neo as my primary spending card for the past month – and... The post Neo Financial Review: The Highest Cash Back from Your Favorite Store ..read more

The RRSP is one of the best retirement investment accounts available to Canadians, but it can do more for you that secure your financial future. You can claim RRSP contributions when you file your income taxes, reducing the amount of income tax you pay. But there’s another benefit: your RRSP contributions lower your taxable income,... The post How do RRSP contributions impact CCB? appeared first on Money After Graduation ..read more

In my ongoing effort to disrupt the overly-frugal and joyless personal finance community, I’ve come up with a new financial practice: unbudgeting. Unbudgeting is exactly what it sounds like: undoing your budget. Instead of imposing restrictions and limits on your spending, you remove them. What does it mean to unbudget? Unbudgeting is the practice of... The post The Unbudget: Giving Up Limits, Getting Back Your Life appeared first on Money After Graduation ..read more

If you’re over the age of 30 and your TFSA and RRSP are maxed out, there’s a good chance you’ve already overshot your retirement. Yes, you read that right. You’re done. If you’re gazing lovingly at those maxed out accounts and counting down the days until the New Year when you can get even more... The post Die With Zero: Your Retirement Savings Strategy is Wrong appeared first on Money After Graduation ..read more

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