Let's talk about money.

Spending, saving, the dread pirate budgeting, all that good stuff. And yes, it'll be fun—promise.

Do You Have The Right Chequing Account? Here’s How (and When) To Check

There was a day — a simpler time! — when all I needed from a chequing account was the ability to receive direct deposits and a card that let me buy things. Slowly, gradually, that has changed. For a while, I got around it by relying on my business bank account, since...

3 Easy Ways to Decide How Much House You Can Afford

I can’t be the only person who has spent a lot more time scrolling real estate listings on my phone during the pandemic. Now, in my case it’s purely recreational; we love our house and we especially love Not Moving. But daydreaming about moving to a gorgeous stone...

Why We’re Not Paying Off Our Mortgage Early

Paying off your mortgage early is one of those things that sounds impressive and Very Financially Responsible when you hear someone’s doing it. What’s not to like about being truly debt-free earlier, or getting rid of most homeowners’ biggest monthly budget item,...

Should I Increase My Credit Limit?

The easy answer to this question would be a HARD NO. My dad’s warnings about overspending still echo in my head like the Ghost of Christmas Past. But honestly? It depends. When I got my first credit card a couple years ago, I didn’t really care what my limit would be....

Does Your Credit Score Really Matter?

Like most questions in personal finance, this one has a short answer, a much longer answer and in the end it really just depends. To kick things off with the short answer, yes, your credit score matters — but there are some pretty big caveats here. When it comes to...

What Is a Good Credit Score in Canada for a Mortgage?

If you’re planning to get new digs anytime soon, you’ll need to look good for a lender. I mean, real good. First off, you’ll need a lucrative job and big bucks in the bank, especially if you want to buy in a city like Toronto. (A friend of mine recently conceded that...