From what I've read on forums/internet, the financial advice on buying investment properties is like "take money out of HELOC against your principal residence and use that as a downpayment of another property". However, what I'm not able to understand is how the situation is different to t...
Jun 30th, 2021 6:23 pm
I'm just curious if people consider this or not. Say you're looking at moving to several cities, would you compare their finances? Is there anything in particular that look for as desirable or a red flag?
Dec 30th, 2020 12:24 am
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Aug 11th, 2020 2:55 pm
... people I know *cough* the wife *cough* just want to work work work and have no desire or interest in any thing else in life including tracking our finances. But others on the other hand like myself, do, and I spend up to 1 hour per week tracking my finances. This includes paying bills, banking, ...
Aug 2nd, 2019 10:23 pm
I first want to apologize for my not perfect english, cause its my third official language. I have recently visit 3 "Professional financial planner" at their office... 2 from bank, national bank and td. 1 from sissip financial service... After these meeting, i realise one thing...they just...
I'm a big fan of envelope budgeting and have been using "You Need a Budget" for quite some time now. However, I'm not a huge fan of the lack of tracking when it comes to investments as well as simple things like debt analysis with amortization schedules etc. Quicken's implementation of env...
Nov 27th, 2018 1:36 pm
What do people use to track their investments and various financial matters (mortgages, etc)? I currently use excel but not so happy with my template. -How do other people manage their investments? -Do people actually write up the investment accounts or do they just go according to the bank/investme...
Feb 19th, 2018 8:11 pm
Hi there, I am a 58 year old female living in Toronto and I am having some issues with debt. The monthly statements come in and I can almost not bear to look at them. I was off work for almost a year after being let go from job and have used almost all of my RRSP's to stay afloat. My son said he rec...
Nov 9th, 2017 2:31 pm
We just had a healthy baby boy, but I'm starting to get really stressed about finances. I was just working casually and have asked for a month off. We are trying to economize what to spend but it's quite hard. We're even using cloth diapers but I don't know how ...
Oct 4th, 2017 4:32 pm
My spouse and I got married about 2 years ago, and we just started using the same bank account. Combining our finances is new for us and I am not sure how to properly manage it. For the 3rd time this month, our bank account was overdrawn when a recurring bill was withdrawn from ...
Aug 9th, 2017 8:48 am
Well the time has come, we have decided to pool our finances. We both have jobs, I make more. We are going to get a joint account and pool everything. I am keeping a budget for anything that goes out or comes in. We are basically planning for the future ...
Jul 19th, 2017 4:23 pm
I have about $20k in savings, make around $5k per month after tax. I just purchased a home and my monthly expenses are the following: Mortgage - $1233.60 Car Payment - $173.78 Insurance (auto+home combined) - $545 Utilities (hydro and gas) - $100~ Groceries - $100 Gas - $200 -------------- Total $23...
Feb 13th, 2017 4:14 pm
Jan 28th, 2017 11:03 pm
Hey guys, So I finally want to set some time aside during the holidays to get my finances sorted. I want to figure out what the best way to optimize my accounts, cards, investments, and cash... so here are the details of what I currently have: -3 Credit Cards (BMO ...
Dec 16th, 2016 4:04 pm
hey folks, i'm trying to streamline finances for the wife and I and wanted some opinions. i wasn't sure if this was suitable for this sub-forum, please move accordingly to personal finance if better suited..... Me: TFSA - TD Eseries (plenty ...
I was wondering how much people spend on groceries per week and how many meals you usually purchase for? I know a similar question was asked before but was quite dated from 2013 and I'm specifically interested in groceries alone. I was having a discussion with my wife about our grocery budgets (she ...
May 4th, 2015 9:20 pm
Hey guys, My American girlfriend has been living with me for over a year now and we have applied for permanent residency under family status sponsorship as common-law last November. We still haven't received news if she was accepted, I think it takes 8 months from applying, or at least that's what I...
Mar 1st, 2015 1:25 pm
I just wanted to take a poll of how others handle their finances.How often do you look at your financial statements? And how long did it take you to get comfortable with them?
Oct 9th, 2014 11:11 am
Hi everyone. I am in a bit of a dilemma. I am extremely frustrated and hoping for some advice/next steps. I made a claim for EI in Dec of last year since I work as a supply teacher and am not guaranteed steady work and also I am off during Christmas break/March break/summer. My EI benefits allowed m...
Jul 16th, 2014 11:47 pm
If I bought a $25 rogers top up card how long until it would expire?
Jun 5th, 2014 10:03 pm