The Finance Diaries: Recent Episodes
Stephanie
No one teaches us about money in school: taxes, budgeting, mortgages, salary negotiations, investing, and other money-related topics. I'm here to help give you the personal finance education that you never got to have, and to help you feel empowered and good about your finances. Everything in this podcast is broken down and easy to understand, and can be listened to by anyone of any age!
My dearest TFD Baddies,
We haven’t talked real estate in while so we are soooo due.Today we’re diving into everything real estate: becoming an agent, being successful AND buying/selling real estate in today’s market.
Special Guest: Estevan Ouellet of REMAX Nova Find Estevan here on Instagram and here on TikTok
Yours in financial empowerment always,
Stephaniexoxoxo
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit thefinancediaries.substack.com
Hello my dearest TFD Baddies,Today I wanted to discuss a major topic in personal finance: what we spend money on. This is 99% of every finance issue I’ve ever consulted on, and I want to tell you everything I’ve learned!
BTW, here’s the link to the budget tracker: https://www.etsy.com/ca/listing/1498517759/the-best-and-only-budget-tracker-andYours in financial empowerment always,Stephanie
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit thefinancediaries.substack.com
My dearest TFD Baddies,It’s been a little bit. But I come to you with important information.
Links as promised:
https://secure.money.com/pr/se78f4e9a300
https://secure.money.com/pr/qe5c0a8a5bcb
Love,Stephanie xoxox
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit thefinancediaries.substack.com
My dearest TFD Baddies,
Oh this one is a doozy. I didn’t realise until the last year of my life quite how much this has impacted me in so many ways: wasting time, wasting money, wasting energy, losing sleep… and so much more.Does it impact you too? Let me know!
Yours in financial empowerment always, Stephaniexoxox
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit thefinancediaries.substack.com
My dearest TFD Baddies,This is one of my favourite topics because we can go sooo deep. I’ll leave it at that!
Budget Tracker on Special: https://www.etsy.com/ca/listing/1498517759/the-best-and-only-budget-tracker-andYours in financial empowerment always,Stephaniexoxoxox
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit thefinancediaries.substack.com
My dearest TFD Baddies,
We’ve talked about how to learn when someone is trying to sell something to us. We talked about budgets. But how do we stop ourselves from buying things we don’t need?Well the answer is that it’s all related.
Let’s dive innnnnPS here’s the budget tracker link I promised: https://www.etsy.com/ca/listing/1498517759/updated-2025-budget-and-sinking-fund
Love,Stephaniexoxox
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit thefinancediaries.substack.com
My dearest TFD baddies,There are no more excuses. We’re getting to tackling that debt right now, today. I believe in you and you’ve got this.
Budget Template found here: https://www.etsy.com/ca/listing/1498517759/updated-2025-budget-and-sinking-fund
Love,Stephaniexoxo
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit thefinancediaries.substack.com
My dearest TFD Baddies,Welcome BACK. Look at me consistently posting and doing my best (almost like it’s been my goal lately…)
Today is Goal Talk. We’re talking about making goals, accomplishing them, or even CANCELING them and pivoting…which is totally okay to do.Here are a few things I referred to as affiliate links:Budget Tracker: My Budget Tracker TemplateAmerican Express Marriott Bonvoy: Only Apply If You Responsibly Use Credit Cards
Rakuten (cash back on online shopping): Canada Link, US Link
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit thefinancediaries.substack.com
My Dearest TFD Baddies,Health is something that can be controlled, and also something that cannot be controlled. It’s essential to do everything we can to live long healthy lives, taking preventative measures and good care of ourselves. This includes getting disability insurance. Get Disability Insurance here (affiliate link with trusted partners).
Let’s dive into today’s episode on controlling allll we can control when it comes to our health!Love,
StephanieXoxoxox
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit thefinancediaries.substack.com
My Dearest TFD Baddies,
One thing I’ve learned in my life is that someone is always trying to sell you something. Personally, I’m always making disclaimers and letting you know when I’m sharing an affiliate link, but not everyone does. So how to recognise these instances and know WHEN to spend your money, and when to say “no thank you” and move on? Let’s dive in.
Yours in financial empowerment alwayssssss,
Stephanie xoxoxoxox
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit thefinancediaries.substack.com
My dearest TFD Baddies,
When you’re learning about financial education, there are just so many resources. There are sooo many opinions (none of which are not necessarily wrong!), but how do you decide what you want to pursue?
I love learning new perspectives, but it does get confusing. I love my Ramsey Show, but I also love listening to those pursuing the FIRE movement. Those are two pretty conflicting perspectives, so how do I deal with it?
Listen to today’s episodes and find out!
Yours in financial empowerment always,Stephaniexoxox
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit thefinancediaries.substack.com
My dearest TFD Baddies,You guys are alwayssss asking me how to make crazy Airbnb money. The thing is, it’s definitely stressful. But it’s also very rewarding at the end of the day.Here are my secrets on how to succeed, including a less successful story of where things can go wrong.
Enjoy!
Stephaniexoxoxoxo
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit thefinancediaries.substack.com
My Dearest TFD Baddies,It sounds like it’s impossible, doesn’t everyone go over budget?Well with my formula, it’s entirely possible. Share this with a friend getting married, it will definitely help them!
Weddings don’t need to break the bank.
Yours in financial empowerment always,Stephaniexoxoxox
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit thefinancediaries.substack.com
Dearest TFD Baddies,We aren’t making excuses anymore. We can’t afford to.
Instead, we’re taking control of our life and future and diving in on ways to overcome setbacks and obstacles.You’ve got this <3
Yours in financial empowerment always,
Stephanie xoxoxo
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit thefinancediaries.substack.com
My Dearest TFD Baddies,The last year has been… transformative to say the least. While things in my life have been changing, it’s been important to work on feeling happy, peaceful, healthy and wealthy.That can be easier said than done, but I am sharing my tips on how I have laser-focused on working on each of the cogs in my life.All my love,Stephanie xoxo
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit thefinancediaries.substack.com
My dearest TFD Baddies,Travel season is upon us (did it really ever end? idk). Something about Summer and the warm weather gets everyone wanting to zip in an aeroplane to somewhere great.Let’s jump into how exactly to do this, while saving loads of money along the way.What’s on your Summer travel list?
Yours in financial empowerment always,Stephaniexxoxoox
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit thefinancediaries.substack.com
My Dearest TFD Baddies,We are back with another podcast to help you stay on track with alllll of your goals. The financial goals as well as the personal (relationship, friendship, social, life, etc.) can all be so overwhelming, so here is my method of dealing with them!
Yours in financial empowerment always,Stephaniexoxoxox
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit thefinancediaries.substack.com
My dearest TFD baddies,
Here we go again with a popular topic: choosing investments!
I obviously cannot tell you WHAT exactly to invest in, but I sure can help guide you in finding the best investments for your own portfolio.What’s been your favourite investment?
Love,
Stephanie xoxo
ps: here is the house i’m talking about: https://www.zillow.com/homedetails/34507-Venturi-Ave-Beaumont-CA-92223/95906782_zpid/?utm_source=txtshare_v1a
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit thefinancediaries.substack.com
My dearest TFD baddies,
Have you been struggling with kicking off improving your money situation? Look no further, I’m here to help <3
Love,Stephanie xoxox
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit thefinancediaries.substack.com
My dearest TFD baddies,
I’m back. Delayed but back (haha - oops sorry!)
We’re so looking forward to our wedding this summer, and I’ve gotten soooo many questions about the planning process, the budgeting, the details of it all. So without further ado: here it is ! The wedding tell - all
Love,Stephanie xoxoxoxo
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit thefinancediaries.substack.com
My dearest TFD baddies,
It has been oh so long.
But here we go, let’s dive right into it: how do I know without a shadow of a doubt that my goals and dreams will be accomplished?
Enjoy.Love,Stephanie xoxo
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit thefinancediaries.substack.com
Including the link to the article here about how we don’t just buy one luxury good.
Stephanie xoxo
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit thefinancediaries.substack.com
My dearest TFD Baddies,
Ohhhhh the things we look back on and wish we did differently.
Well, I made the mistakes so you don’t have to.Hope you enjoy this episode, let me know what you wish you’d done sooner in the comments!
Love,Stephanie xoxo
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit thefinancediaries.substack.com
My dearest TFD Baddies,Jordan and I are BACK for another duo-hosted podcast about other people and OUR money.Let us know what you think in the comments!
Stephanie and Jordan
xoxo
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit thefinancediaries.substack.com
Dear Diary,
I’m so excited to feature my new (temporary - maybe permanent??) podcast co-host Jordan!
I love this story because it’s exactly my goal I had in mind when I started The Finance Diaries: to create a place where you’re encouraged to grow in your personal finance journey. Jordan is the perfect example of this.
I’m not going to spoil any more of it because you can tune in and hear for yourself… but here we go for Money Lessons We Wish We Knew Earlier.
Enjoy this slightly choppy podcast as I took some back rest breaks along the way. Editing will get better over time (hopefully)
Yours in financial empowerment always,
Stephanie xoxo
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit thefinancediaries.substack.com
Helloooooo. I am so late on posting a podcast and I will explain why you haven't heard from me in a bit.
This episode is essentially a 30 min look into my ADHD brain.
Let's dive in!
As always, you can find more here on Instagram @thefinancediaries and on TikTok @thefinancediaries
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit thefinancediaries.substack.com
Dearest Finance Diaries baddies,
We find themselves in a world filled with diverse opportunities and challenges. This podcast/blog post aims to provide a quick overview guide on setting realistic and measurable [financial] goals.
How To Set Goals You’ll Actually Accomplish:
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Decide on Your Values and Priorities:
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Begin by reflecting on your values and priorities. Consider what matters most to you – whether it's spending time with a family, a huge investment portfolio, travel, entrepreneurship, or philanthropy. Aligning your goals with your values ensures meaningful pursuit.
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Categorise Your Goals:
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Categorise your financial goals into short-term, medium-term, and long-term. Short-term goals might include building an emergency fund or paying off high-interest debt, while long-term goals could involve saving for a home or retirement.
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Make Goals SMART:
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Apply the SMART criteria to your goals – Specific, Measurable, Achievable, Relevant, and Time-bound. For instance, instead of a vague goal like "saving money," specify "saving $5,000 for an emergency fund within 12 months."
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Consider Your Financial Situation:
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Be realistic about your current financial situation. Assess your income, expenses, and existing commitments. Setting goals within your means ensures a higher likelihood of success.
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Prioritise Goals:
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Prioritise your goals based on urgency and importance. Addressing high-priority goals first establishes a strong foundation for your financial journey.
You’ve got this, I believe in you!
Product of the week: This incredible renter-friendly wall sconce set (USB chargeable). My rental lacked a light in the laundry room and this was the perfect addition. I got it last week and it saved me from a veryyyy expensive electrician job.
Love,Stephanie
PS: Tell me in the comments what your first short term SMART goal is!
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit thefinancediaries.substack.com
What's In and what's Out in 2024? No no no, that's just too much.
Let's learn how to set yourself up properly to accomplish (or make steps towards) the impossible goals of 2024 and beyond.
As always, you can find more here on Instagram @thefinancediaries and on TikTok @thefinancediaries
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit thefinancediaries.substack.com
How is debt so incredibly common but so uncommon to talk about?
It can become so debilitating to even THINK about the amount of debt hanging over us, but it is possible to get rid of it...and fast.
Let's dive into what seems like an impossible idea: getting rid of debt ASAP.
As always, you can find more here on Instagram @thefinancediaries and on TikTok @thefinancediaries
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit thefinancediaries.substack.com
Season of "The Impossible" Episode 3, featuring the most EXCITING fun happy business and business owner you could find.
Diving into how Denver found the inspiration, motivation, marketing, and mentorship to have the happiest work she could have...while working to financial freedom!
Follow Denver on all socials at @CalledToParty
As always, you can find more here on Instagram @thefinancediaries and on TikTok @thefinancediaries
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit thefinancediaries.substack.com
I thought self-managing 2 STRs was tough. I couldn't even imagine 3....yet Connor Cushman self manages FIVE short term rentals.
Today we talk buying, scaling, and management tools with Connor. Yet another investor who defies the "impossible"
Find him on socials @CushmanHomes
As always, you can find more here on Instagram @thefinancediaries and on TikTok @thefinancediaries
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit thefinancediaries.substack.com
The Finance Diaries Season 4 focuses on all things considered "impossible". From getting out of debt, to starting successful businesses, to doing things out of the norm. This season takes the "im" out of impossible, let's dive in.
Jordan is the kind of real estate investor that doesn't have any fear or doubts. His personal motto is to forge ahead with full steam and never take no for an answer, what a perfect first guest to kick off the series!
As always, you can find more here on Instagram @thefinancediaries and on TikTok @thefinancediaries
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit thefinancediaries.substack.com
Coming in as a very belated Part 2 of the Relationships and Finances podcast (re: episode 22), here is a discussion on planning relationship goals!
As always, you can find more here on Instagram @thefinancediaries and on TikTok @thefinancediaries
I heard the expression "biting off more than you can chew"?
I'd heard it plenty but never found it relevant...until now.
Let's dive in
As always, you can find more here on Instagram @thefinancediaries and on TikTok @thefinancediaries
Diving into why I decided to invest in Nova Scotia / Halifax / HRM, and why I continue to feel good about investing there.
We can't invest in something just because someone told us to. We always need to draw our own conclusions and gather as much information as possible.
As always, you can find more here on Instagram @thefinancediaries and on TikTok @thefinancediaries
Have you ever wondered how someone can start investing locally and grow to investing internationally? How they get the money? Do they do it alone? With partners?
Manny Shiferaw did this, and is an amazing story to listen to!
Tune in to hear about
- Nursing turned investor
- Growing real estate from a house hack to an international investor
- Property management
- and more tid bits!
@shifproperties on Instagram
@mannyshif on TikTok!
As always, you can find more here on Instagram @thefinancediaries and on TikTok @thefinancediaries
Big or small project: you want someone reliable, with any applicable license, and someone honest.
Learn from my mistakes...
Hello, it's me: your seasoned STR professional.
I'm here to help you navigate the things that it took me a while to learn and perfect in order to be a top-performing Short Term Rental host!
Being a bridesmaid is EXPENSIVE, getting asked is a huge honour... but do you have to say yes?
Talking all things wedding finances:
- Wedding Budgets
- Wedding Gifts
- and Saying no to attending Bachelorettes / Bridal Showers / Weddings
I decided to go with a tenant that doesn't fit my typical criteria.
How do you pick a tenant?
What is the typical criteria?
How is this situation different?
Tune in to find out
Barely able to afford your own house, or even think of it? How ON EARTH is anyone able to buy more than one? Well, it's somewhat easy.
Maybe easier said than done, but definitely easy to understand!
Let's dive in
Revisiting the concept that "you are the average of the 5 people you spend the most time with" using some concrete examples of both my good and bad experiences.
How can you apply this to your life? Let's dive in
You asked, I tell!
Have any questions for the next Q&A?
Send me them on Instagram (https://www.instagram.com/thefinancediaries/?hl=en) or by email thefinancediaries@gmail.com
As promised, here is my referral link: https://my.wealthsimple.com/app/public/trade-referral-signup?code=I68_3Q
One day, I had a realisation about my finances. It was truly the moment that altered my financial future entirely. I realised that what I was doing wasn't sparking joy, and it left me feeling like I was on autopilot.
I didn't like the feeling, so I changed things.
Sometimes we just have these moments: thoughts and/or feelings that alter the path of our lives.
How can we have these feelings? How can they change us?
Let's dive in
We all have some degree of privilege yes. Some more than others, yes.
BUT that being said, privilege doesn't mean you'll be successful. Just the same as having less privilege doesn't mean you'll be unsuccessful.
While privilege certainly does help tremendously (like starting a race earlier than your competitors), it doesn't mean you'll get ahead (especially if you're not even starting the race haha)
Let's talk about the kind of work you can do to "be lucky" and what I've done to "be lucky" (while taking my privilege into account)
Okay, so I've been telling you all I'd try to piece my opinion together on Nova Scotia's rental increase caps, fixed term leases, and the short term rental ban in Halifax.
I had to take some time to get my opinion together and make it (somewhat) cohesive.
The truth is, I've seen the end result in Halifax for the rental/housing market.
I'm not clairvoyant, but I've seen Montreal experience the same thing, with a sad sad ending for landlords, homebuyers AND renters.
Any sort of financial change might make you nervous:
- Changing your financial habits to address debt
- Starting to invest in the stock market
- Buying your first rental property
- Etc. etc. etc.
But how do some people just thrive at the thought of change and stay calm, cool and collected? Find out in today's podcast
Whyyyy so much stigma on trades?
Here's the tea. Trades are:
- Lucrative
- Stable
- Needed EVERYWHERE
Should you go to uni? grad school? trade school?
Let's talk about it!
The concept of "paying yourself first" isn't new, but it comes up a lot recently on social media!
It is infrequently applied, but is it worth it?
I think so!
How do I deal with feeling unmotivated (yes, it happens to me frequently)? How do you get back on track, or even pivot towards a new goal?
Let's discuss
Do you spend every cent you make? Or do you invest every dollar you make?
There's a happy medium that I have found.
Let's dive in
Everyone has heard financial advice from someone.
Whether its good advice or not, that's up to you to find out.
Let's look into a few I've heard and that I practice, and learn how to be more critical before accepting "advice"!
Why do we spend money?
Have you ever wondered why your credit card bill is so high, or why you have no money in your bank account? Maybe you make good money but don't understand where it's all going.
Let's talk about that
It's something we probably all thought about: what would I change if I could go back in time?
Truth be told, I don't actually want to change anything because it led me to where I am today, and I am so incredibly happy and bless in my life BH.
BUT...things I'll teach my kids one day to be aware of? Things I wish I knew sooner? Things that might be helpful to another person? This is the podcast for you.
As always, this is merely my own opinion and not financial advice. Enjoy :)
Do you ever stop and ask yourself "What On Earth Am I Doing?"
Do you make yourself panic so much that you give up, or don't even try at all?
Well, you're not alone because me too!
This applies to pretty much every aspect of life...especially finances. How do we get over it? Tune in to find out
Have you wanted to buy some sort of investment and gotten stuck in your analysis? Do you feel like you missed out on an opportunity? Or even worse, do you feel like you bought something you shouldn't have?
Next time you're considering a purchase, think about these things to never have regrets!
Taking a moment to recollect the last few months of 2022 financially and personally, and setting the scene for financial goals in 2023.
New houses, new airbnbs, new cities, new everything!
Do you wonder how some people can come from nothing and become so successful? Or how people from prominent family can be...not so successful?
The answer is in staying hungry for more.
This week, I talk to you about how to make financial decisions (student loans, mortgages, car financing, etc.) in the most educated and thoughtful way, even if you don't understand anything.
30 + years in real estate, Karen Kurtz has seen it all.
Today we are doing a deep dive into the real estate market and how to come out on top in a Buyer's Market
Okay okay okay. I know what you're going to say about a podcast on the drawbacks of financial success. BUT there are some, and I wasn't expecting them to be such big things to think about.
As always, for the purpose of transparency, I'm sharing it alllllllll with yall
Have you ever wanted to do something and pushed it off mentally? Do you get overwhelmed with all of the things that you need to do to actually accomplish your goals?
Better yet, do you find yourself taking risks without thinking things through?
Achieving your goals has components of risk and fear, but planning it out and thinking everything through will help you squash that ASAP
I get A LOT how I manage to juggle a lot of stress at once.
I have a simple strategy that I use to help manage myself, my emotions, and my anxiety when taking on new financial projects.
This strategy works for everything financial and otherwise. Are you stressed that you're never able to balance your budget? This strategy works. Are you nervous about getting into a new financial endeavour? This strategy works. Are you scared to change jobs? This strategy works.
It's been a year since I moved to a new province for my REI journey.
I've learned a lot: through good choices and bad choices
Let's dive in
Have you ever tried so hard, but feel like you're not getting anywhere?
In budgeting, business, relationships, in everything in life.
Let me share what I do.
Feelings of self-doubt? Inadequacy? Jealousy?
I have it too. We all do,
But how can we ignore it, or better yet, make it constructive?
Do you think that someone who makes $1,000,000 a year is wealthy?
What is wealth anyways?
Is there really such thing as true failure? Spoiler alert: I don't think so.
You only fail when you stop trying
Unless you've been on a media cleanse, you've probably heard a lot about interest rates. They're up, which is no surprise.
But to some, it is a surprise. Possibly a very expensive one.
Ouf it's been a year! So many things have happened to me since that faithful RV trip, but let's deep dive into how I got here and how you can do the same for yourself!
No no not just a vision board. How to truly visualise your dreams and goals to inspire you to achieve them.
After the sudden passing of my friend and mentor, I share with you the most important things she taught me in life, in investing and in real estate.
זיכרונו לברכה
May her memory be a blessing
Okay okay it's been a minute. But I've been busy.
Let's catch up, go over lessons learned and let me tell you about finding VALUE
Jack of all trades, master of none. If you try to get everything done at the same time, you'll find yourself failing or being mediocre at everything.
So how do you prioritise?
Does skipping out on your daily latte or weekend brunch avocado toast make a difference?
Could you in fact buy a house if you skipped out on them?
Do you remember last year's podcast about being the average of the five people you spend the most time with?
Here is my one year update, as well as the formula I used to start living my best life in every way
This is a lesson we should learn early on, but for some reason we don't.
The amount you generally should spend on a car is shocking to some, and a real eye opener on our financial situations.
Do you think it's impossible to do? It is absolutely possible!
I just did it three times (and I didn't overpay!)
Have you ever thought about doing something, but you can't figure out if you're making the right decision?
Yeah, me too. That's why today we're diving into decision analysis through opportunity cost!
Is there something that you want to do, but you can't stop thinking about how difficult/complicated/annoying/etc. it is to get there? Yeah, me too.
Let's talk about putting things into a different perspective, and to start doing what you've been putting off!
Have a potential new or existing property you are looking to make improvements on? There is a quick way to determine if the project is worth it, and then a more detailed way!
Let me go through the steps I go through, whether a project is small or a massive undertaking, and whether I'm doing the work myself or contracting it out!
Are you a people pleaser? Are you not sure if you're a people pleaser?
People pleasing is not just mentally taxing, but it costs you a lot of money!
How transparent would I really be if I never told you about financial mistakes I've made?
Talking about our mistakes helps other people not make them too!
Sharing is caring
Are you looking at buying a property?
Have you considered all of the costs?
Let's dive in to what you might have forgotten!
Everyone makes goals, resolutions, decisions and commitments. But how many people actually stick to them?
Not that many
Here is a tried and true technique to accomplishing your goals for 2022!
Time management is the key to being able to handle your personal finances (and anything else in life really!)
Are you frequently or even always ending up in the red with your budget?
Let's talk about some common issues and of course how to fix them!
Today I'm talking to you about the FIRE movement, something that motivates me very strongly.
Note that this is not financial advice and is simply a financial principle.
Have you ever lost motivation?
Sure you have. It's completely normal.
Let's talk about how to find it again.
Have you ever experienced Imposter Syndrome.
Spoiler alert: I know you have
This is how you can overcome it
Making your dreams come true and being financially on point aren't two different things!
There are ways to do them together!
Here is a little life update showing you just that
Are you someone who thinks that Real Estate Investing in Canada is just impossible? How can you even make money in real estate with this insane housing market?
Tune in to hear Will MacLean talk about his real estate investing projects and how to find profitability, determine a strategy and build an effective team.
Looking to get into REI but not quite ready yet? Find Will on copperco.co where you can link up with him as an investor in his next projects: a complete hands-off experience for you.
You can also find him on Instagram to follow along on his REI journey @copperco.co !
Okay. Restrictions are being lifted, and you're ready to start going out and doing things again: restaurants, bars, travel, events.
This is about to cost you your budget you've been working on for the last 18 months. Or is it?
Here are some tricks I use to save money in small ways, without compromising on the amount of fun that I'm having.
Have you ever thought about an opportunity and told yourself you can't do it because of X,Y,Z reason? Have you ever looked at someone else's financial success and thought that you can't do it yourself because of X,Y,Z?
This ends today
Learn to stop limiting yourself, change your mindset and to get ahead in your finances
If I could take a time machine back to talk to my 18 year old self, what would I say?
In this podcast, I talk about things that I wish I had considered earlier in my life.
So whether you're 18 or 80, the best time to start was then, but the second best time is now.
I absolutely love traveling. I have been to 37 countries and all 7 continents. How?
Tune in to find out
Sometimes, we need to take a step back.
Whether its in our career, finances, relationships or elsewhere, taking a step back can help us figure things out, regain our passion, rest, and recalibrate.
There is no shame in taking a step back.
There is only shame in not knowing when to take a step back!
The world is going/has gone back to normal, but what about your finances?
Let's talk about how to make the absolute best situation for yourself, and how to be the most prepared possible for any other financially difficult times that could arise in the future.
You've defeinitely heard of meme stocks. They're everywhere.
Even if you know absolutely nothing about investing, I'm sure you've heard something about Gamestop and AMC in the past few months.
The landscape of investing is changing, but should you buy into it?
How do you handle finances in relationships? Who pays what? How do you split the bills? Should you have a joint account? PRENUPS??
It isn't necessarily an easy topic to first approach, but I promise it's not as bad as you think!
In this episode, we see it all come together. Interviewing Melanie Chabot of (@extensionsMTL on Instagram) who turned her lifelong passion for hair into her full time job.
Leaving the corporate world behind, Melanie has been consistently growing and expanding her business. In today's episode, she shares her tips and secrets to how she got to where she is today, and how you can grow your side hustle as well!
Okay now that you have the passion, the idea and the plan....I want you to make it happen!
Now that you have your skills and potential skills list with each having a passive and active income, we do the fun part!
Planning!
The first step we need to take in making more money is to find something that we will actually enjoy working on. That step is slightly easier said than done!
How do you figure out what exactly to do that can make you more money?
The first step is here!
The month of May is going to focus on generating additional income!
Making more money is important because you can have unlimited income, while there is only so much of our expenses that we can realistically cut back on!
Tune in to hear more about how to find new ways to make more money!
Have you thought about an income property? Like a duplex or a triplex or a multi-family?
Here we are talking about what exactly you will need to consider before you become the landlord of one of these:
- The Qualities You Need
- The Considerations for Purchase Price
- The Costs and Expenses To Consider
How often have you compared yourself to others, or even compared yourself to what you could have been if you made different decisions?
Every day we see people: on social media, on the news, in movies, around us, etc. that made different decisions at different times in their lives. Does comparing ourselves to them, or what we could have been benefit us in any way? No, it doesn't.
Unless you haven't been keeping up with events in the last six months, you've probably seen some real estate markets become actual insanity.
Properties are selling for insane prices. But does that mean you should buy the hype?
A look into the dangers of overpaying for properties!
Have you thought about buying a new build for any reason? Maybe you like the appeal of something new, maybe you're fed up of ending up in bidding wars, maybe you like the idea of potentially building value by going to a developping/gentrifying neighbourhood!
Whatever the reason is, let's talk about different things to consider: the pros and the cons.
Like any pros and cons list: everyone will weigh them differently and everyone will come to a different conclusion. This is just an overview of things to think about!
Don't forget to follow/like/share/subscribe to keep this content coming!
Today's episode features Mama K (aka Karen Kurtz), real estate extraordinaire.
We do a deep dive into the preperations you should take into considerations before buying your first property.
While this podcast focuses generally on Quebec and Canada, Mama K can help put you in touch with a professional from your region that will help you prepare for your property purchase, sale or exchange.
Karen Kurtz, Remax Performance Inc.
karen.kurtz@remax-quebec.com
514-779-8161
I was gifted a dog as a very young adult. It taught me a lot about responsibility, caring for others and gave me a great hiking buddy. But before you go out and get a dog (or a pet) of your own, there are a lot of costs associated that we need to think about.
Can you really truly afford a pet? Or are you not in a financial position to do so? A pet is definitely not as expensive as a child, but there are many costs you will need to be able to afford as a pet parent.
Have you ever found that you might have an excessive shopping problem? Or maybe you just want to cut back your spending so that you can save more. Or maybe your life is changing in some way that requires your financial situation to change.
Whatever it is, the Stephanie Double method is perfect for you!
In life, we have the optimists and pessimists.
Surrounding yourself with constant negativity will end up holding you back because you will have so much fear within yourself that you will never do anything new or take any chances.
This week, we are looking at mortgages and how to make your mortgage preapproval work best for you. Mortgages can help get you ahead or help contribute to keeping you in a less-desirable financial situation.
There is a lottttt of wiggle room with your mortgage rather than just buying a single-family dwelling and spending the next 25+ years paying it off.
Debt has suchhhh a bad reputation. The word "debt" genuinely scares so people, and there can be such an unwillingness to take it on, or get rid of it as soon as possible.
Debt has ways of being able to get you ahead, and to achieve things that you couldn't have done without it. You just need to know how to distinguish good debt from bad debt and how to use it to get you ahead!
Thank you for subscribing/following and leaving me reviews, I love to see it!
A somewhat startling piece of information is that those closest to you actually determine the person that you are. How does this translate into how well you will be with personal finances, or how likely you are to accomplish your goals?
Tune in to find out more!
Don't forget to subscribe/follow and leave a review and rating!
Follow me for more content on Instagram and TikTok @TheFinanceDiaries
You might shy away at the word "budget". It's associated to limiting yourself, or even being boring. That's why The Finance Diaries is rewording it to Financial Framework, because frameworks can be adapted and modified for each individual.
Introducing an easy rule of thumb to follow, and how to make it work for!
Don't forget to subscribe/follow to stay up to date and leave a rating and comment!
Follow me on instagram and tiktok @thefinancediaries
Credit scores are the number one topic that someone should understand before they turn 18, because that is typically when you (should) start building your credit.
Your credit score will go on to determine a lot of things for you: if you can rent that apartment, get that mortgage, lease or buy that car, get a credit card, the terms of a loan, sometimes your credit score is even needed to apply for a job.
I am here to help you understand the components of your credit score so that you can master it and improve your credit to the best of your ability.
Do you know someone who should hear this? A friend, a niece or nephew, your cousin or children? Send them this episode so that they can understand how credit works!
Using some real life examples (athletes and lottery winners), we see the importance of having sound money management abilities.
COVID19 has brought the point home: at any time, we can expect our circumstances to change and that they can disrupt our lives tremendously.
Money management has defined everyone this year: whether it meant realising our emergency savings are insufficient, or being able to pivot and adapt what we had.
Personal finance knowledge through money management has proven to be essential, as it will continue to be for the rest of your life.
Thank you for tuning in!
Welcome to The Finance Diaries, I'm so excited that you came by!
Starting the very first podcast is an episode on UNlearning:
We all learned some things about finances when we were growing up, whether it was on purpose or not. You might have heard it from a parent or a relative, maybe a teacher or a friend.
We need to start by unlearning these things before we can get into more important topics, because these are what is holding us back and giving us a negative perspective of money.