It almost feels wrong to write a post for February because I went absolutely bonkers at the end of the month from my vacation to Japan & Taiwan. During the first couple of weeks, I spent next to nothing other than the essentials because I wanted to save up for my trip. I tried to … More February : Low Buy – The month that should not have happened | Minnamalism
Restarting the No Buy Challenge for 2019 with the rules of the game. … More Rules of the Game | No Buy 2019
I calculate the costs of moving out in the city of Toronto for an average earning Millennial. … More How much does it cost to move out in Toronto?
*Side note: I decided to not call this a ‘No buy’ as I am I still purchasing things. Maybe Low Buy? Yeah, that doesn’t have the same ring to it. Will update with a new title when I have a better name for it. March has been one of the most stressful seasons I have … More March 2018: What did I buy.
“Thank you, OSAP, for my education. I don’t think I could ever pay you back.” – Broke, unemployed 22-year old me, fresh out of university. Here is the magic formula: 1. Switch to a low to no interest loan You will never pay your principle amount if you keep accumulating interest and you would end … More What I did to pay off $28,300 worth of student loans in less than 2 years.
This post is to officially announce that I paid off my $28,300 loan on March 15, 2018! FREEDOM never tasted so sweet. I woke up exactly at 5AM to check my paycheck deposited in my bank account. Then, made the final transfer of $1,800. In all honesty, I did not feel any different. It didn’t … More Loan Payment #22
Yes, I pay rent when living at home and I think it is the right thing to do. No, the money is not going back to me sometime in the future. My folks are not holding it for safe-keeping for me. Two main reasons: 1. I am a working adult who has a job and … More Why I pay rent when living at home.
February 2018, DONE. Now, I only have $1 800 left to pay in March. This has been a long time coming and I can’t believe that now I can say I only have ONE MORE PAYMENT TO GO.
Mint. Adaptu. HelloWallet. All great budget and spending apps. But. I will still keep all my physical receipts, manually input my expenses, and plan out my budget through the good ole Excel spreadsheet. Why though? Why make an extra step in your weekly routine to do book-keeping? Because I want to literally be hands-on with … More Why I manually input my expenses.
And another one bites the dust. I never thought that I would be able to say this. Now, there is only $3,600 remaining of my $28,300 student loan! My goal is to pay it off by my 24th birthday in March, making the payback period a little less than two years since I graduated … More Loan Payment #20