How to Choose Between a Fixed & Variable Mortgage Rate
We've put together a framework to compare fixed and variable mortgage rates, including a calculator and a summary of what the experts are saying.
Derek Hopfner
How to Die With Zero - A Helpful Way to Approach Life & Money + A Workbook Guide
"Rather than just focusing on saving up for a big pot full of money that you will most likely not be able to spend in your lifetime, live your life to the fullest now: Chase memorable life experiences, give money to your kids when they can best use it,
Magazine
Asking Rents in Canada Have Decreased for the First Time Since 2020. Here's Why (and What It Means)
Has there ever been a better time to... rent? It's not the headline we were expecting in this housing market era of perpetual sticker shock, yet here we are. According to the latest data, average asking rents for residential properties across Canada have dipped to a 17-month low.
6 Practical Ways to Save Money in 2025
Another year has rolled in, and while we might’ve hoped 2025 would bring a little relief from the cost of living crunch, our wallets are still under pressure. But here’s the silver lining: small, deliberate steps now can add up to big savings by the time we’re
Canada's mortgage renewal wave is coming. How to prepare if this includes your home.
"I took off on a wave, went down the side, popped out the other end, and went, shit, I'm still alive!" - Greg Noll Over 4 million Canadian homeowners are approaching a big moment: mortgage renewals in 2025 and 2026. Rates have cooled a bit recently,
2024 Black Friday Shopping Guide: Start With A Plan & Come Out With a Good Deal
Black Friday (November 29) and Cyber Monday (December 2) can be a prime time to snag deals, whether you’re looking for high-end headphones or tackling your holiday shopping list. However, these days can also feel overwhelming, with endless offers and limited time to sort genuine bargains from mere marketing
Easy Savings: Fall 2024 Edition
The best WiFi, mobile, and technology deals of the season. We're excited to bring something new to this week's newsletter: a curated list of the best deals and savings opportunities for Fall 2024. Inside, you'll find our top picks for Wi-Fi plans, mobile data
Kakeibo - The Japanese Art of Mindful Money Management 💸
After spending the last two weeks immersed in Japan, I was pleasantly surprised by the ubiquity of fantastic $10 lunches, refreshing $4 draft beers, and perfect $1 onigiris. In a country known for its innovation and efficiency, the accessibility of such delightful experiences got me thinking: How do the Japanese
New 🇨🇦 Mortgage Rules💰 & What a $4,000 Budget Gets You 🏠
This week, we're exploring the Canadian Government's new mortgage rules in more detail and comparing what a $4,000 monthly budget gets you in Toronto vs. Calgary, both as a renter and first-time home buyer. New 🇨🇦 Mortgage Rules The Canadian Government introduced new mortgage rules on
The Economy Starts All Over Again When It Gets Crisp in the Fall
As the leaves turn and a chill enters the air, signalling the onset of fall, the economic landscape seems to be undergoing its own seasonal shift. Long-held beliefs about homeownership and market stability are being questioned, making this an apt moment to reassess where we stand financially and where we&
Supermarket Sweep #2
Understanding Grocery Price Trends Welcome back grocery store aficionados, we're back with another deep dive on grocery prices. Our shopping list remains consistent, with one minor tweak noted below. This time, we're comparing Loblaws and Farm Boy. Let's unpack the carts. 🛒The Grocery List
Do Falling Interest Rates Mean It's More Affordable for Canadians to Buy a Home?
Let's start with the good news. Interest rates have been falling, which, on the surface, lowers the cost of borrowing money. The tricky part is to determine whether, over the medium term, lower interest rates will make it more affordable for Canadians to buy a home. The Interest