The Mentality of “You Got This”

I have this mantra, whenever things go wrong in my life.

It’s nothing fancy – I just say to myself over and over, “you got this”.

(In my head, just btw. My coworkers don’t need to hear that every time my computer shuts down or every time a client freaks out).

It always seems to work for me, whether it’s just the kind of meditative process of thinking one thing over and over, or if there really is some kind of magical property to that phrase that makes things turn out for the best.

You might have your own phrase or your own strategy to deal with things when they get crappy, but no matter what you’re dealing with and how you’re dealing with it, you are going to be okay.

It’s so easy to panic and get stressed out about money. Seriously. People don’t talk about it, but everybody has money worries. They’re not always the same worries, of course, but everyone you meet has some kind of money anxiety at some point.

Mine is rooted in the scarcity mentality. I fight this daily.

Continue reading “The Mentality of “You Got This””

Money Lessons for a Younger Me

My office window overlooks one edge of the university campus in my city, which means that in the month of September, I have a front row seat to all of the students returning to campus and new students arriving.

(It also means it takes me 45 minutes to get out of my building because OMG all these students have cars for some reason and seem to enjoy sitting in traffic outside my office when they should be getting off my lawn).

Every year, when I see the students come back, I think of my own university experience and the things I know now that would have helped me then. Continue reading “Money Lessons for a Younger Me”

How to Avoid the Christmas Spending Binge

It’s Labour Day! But can we talk about Christmas for a minute?

So, hi. I am that person that starts counting down to Christmas by like… July. I know, I know, SO ANNOYING, right? But it’s cool, guys. The Christmas spirit sustains me through your side-eye.

bai

I start decorating November 1st every year.

My (two) tree(s) is up for at least a month.

Bronner’s (the world’s largest Christmas store) is legit one of my favourite places on earth.

My satellite radio is tuned to the “all Christmas all the time” channels from the day they go on air to the day they go off. That’s like 2 straight months of carols.

I’m that person. Continue reading “How to Avoid the Christmas Spending Binge”

The 2016 Home Buyers’ Plan

You’ve heard of the Home Buyers’ Plan, right? That thing that helps you buy a home by letting you use your RRSP as part of your down payment? Sure you have. But do you actually know how to use it? And if you did, did you know the plan changed when the Liberal government took over last year?

Let’s say you’ve looked at whether renting or owning is best for you, you’ve calculated the up front costs, you’ve figured out the continuing costs as part of an ongoing budget, and you’ve decided you want to join the world of home ownership. Yay you!

That’s a huge decision and you probably put a lot of thought into it. So now that you’ve decided to become a home owner, how do you actually get there?

One of the ways is by taking advantage of the Home Buyers’ Plan, which is available to first time home buyers in Canada. Continue reading “The 2016 Home Buyers’ Plan”