What exactly is ambition intermission? It’s a term I made up; I’ve been running in circles finding a way to express what’s on my mind and haven’t been able to describe it without a wordy explanation.
There are blogs dedicated to figuring out what your goals are, how to achieve them. Self help books on motivation, passion and skills to help you get to where you want to go. Happiness, ambition and passion are all interrelated into making your dreams and goals come true. I’ve found accomplishing a goal is a moving target. Not in the sense that you’re never satisfied once you accomplish what you set out to do. We naturally set goals based on what we perceive is possible. As we grow along the way, through new perspectives and skills learned, our ambition or goals grow with that new understanding.
Growing up as a kid, I loved to play in the water, make sand castles, mud pies and pick fruits or veggies that happened to be ripe in the garden. How about you? I’ve gotten used to a lot of things moving to the city but having a garden is probably the hardest thing to replace. Container gardening is a great option and one I was able to do in the last 3 years. Seven years after moving to the city, I finally had a good combination of a little space that got some decent sunshine. It was about the same time I found out about city allotment gardens. Basically you get rent a small piece of land where you can plant flowers or fruits/vegetables. They’re in high demand with a wait list you need to apply for on a specific day every year. After 3 years, I finally got one! So in honour of that, I’ll be posting monthly garden updates! Continue reading “Garden Adventures – May Edition”
This blog has made it halfway into spring. I started it in December as a New Year’s resolution to no longer let my clever scheming brain prevent me from hitting publish. I have major imposture syndrome. In person, when certain subjects came up, like surprise surprise!, personal finances, I found myself excitedly talking with too much to say. Not push my opinions down your throat kind of way, but more like being excited to share what I had read, learned, did, thought, with the intent of having an exchange on what other’s thought. Because I REALLY wanted to see through another person’s eyes.
So in honour of still having fun with this blog, and hopefully giving some worthwhile content, I’m taking a break from the usual and getting a little more personal. I feel like I don’t inject enough of my personal side into it. So I thought I’d do that in a fun way with 5 random facts about me. Continue reading “Five Random Facts About Me”
This article has been sitting in my drafts for a few months now with nothing more than three names: Heimo Korth, Chris McCandless and Jim Dutcher. What do these three random names have in common? I couldn’t put my finger on it. But there was an elusive idea there that I couldn’t just quite catch. That is until Mr Whymances sent me a video on Ikigai. Then it all fell into place. Continue reading “What Gets You Out of Bed In The Morning?”
How do you track your money? Detailed budget? Pay yourself first? Wing it? There are as many ways to budget as the stars you can see in the sky. And I don’t mean on a cloudy or light filled city night. There are some common threads among them all: know what’s important to you, spend your money according to your values and what brings you happiness, spend less than what you make and make the rest of your money grow.
It really boils down to figuring out what works for you and run with that. It’s really that simple. I started with making a budget with amount to spend in each category, and meticulously tracking my spending. That was super important when paying back debt. I could never have been that aggressive otherwise. After that, I switched to pay yourself first method. Continue reading “Pay Yourself First On A Monthly Paycheck”
Time for some financial voyeurism! I’ve enjoyed reading financial expenditures and net worth updates the past few weeks. I don’t feel we’re at a point in our journey where it’s super interesting for others to hear about it every month as I don’t share detailed monthly spend and we’re not close to FIRE. Having said that, it’s been a few months and so feel an update is warranted. There are a few great reasons I like doing this:
If our focus has strayed, it’s a great way to ensure our gaze doesn’t stray for too long.
It helps us get back on track sooner, if that’s needed
Celebrating milestones and online community support is great to keep momentum going
And certainly not least, accountability. Sharing creates a public commitment and thus more likely to keep things honest and provide motivation to accomplish it.
Death and my mom are never far from my mind around this time of year. Five years ago, we removed my mom from life support after she suffered a cerebral hemorrhage. To say that it was a hard decision and it sucked was an understatement. I sat by her side until she passed. This is also what kicked off my biggest financial lesson.
This article isn’t about how she died though, it’s about everything else that happened after. You see, after a bedside vigil for 14hrs, I was exhausted and even felt a bit of relief that it was finally over. But as it turns out, I couldn’t have been more wrong. There’s A LOT that needs to be done. And what you do now will help determine how much harder, or easier, it will be for your family. Continue reading “What I Learned From My Mom’s Death”
When I started learning about personal finance, I felt accomplished opening my no fee chequing account and first credit card. I was a student then. I graduated, got my first apartment, then bought a house. We’re familiar with all those things growing up, if only indirectly. It’s exciting opening a bank account — to deposit your first pay check. You want to build up your credit score — credit card is an excellent starting point (let’s assume happy path and you don’t carry a balance). Purchasing your first house is the next logical step in society — we’re familiar with mortgages. Sure there’s a lot more to it. But those first steps aren’t scary. We’ve understood the concept, if at a high level since childhood and they’re attached to exciting things in our lives.
Memories of my first foray into finances, beyond the few exciting events, is generally associated with stress and anxiety. Stressed about filing taxes incorrectly. Anxiety I’ll owe more than anticipated. What about you? Most of us have had no exposure. Most adults in our lives don’t understand it, or don’t talk about it and it’s not taught in schools. So it feels like you’re walking through a fog. You can’t see where you’re going. If you’re about to trip on something. Sound travels differently and can be distorted… Continue reading “Is Investing and Retirement Planning Scary To You?”
Are you dreaming of spring? I know I am! This past weekend we were hit with another two day winter storm, which brought 2 inches of freezing rain, snow and winds. I grew up north of the city, so snow in April is hardly unusual. But I’m not living further north anymore, and even for Toronto, this is a bit ridiculous. My instagram feed is filled with wintry pictures from other bloggers. Normally it’s comforting knowing you’re not alone. But this time, no dice. So I’ve resorted to ridiculous, fun cocktails and daydreaming of container gardening. If you’ve ever wanted to try your hand at gardening, but are limited on space, or don’t have a yard, you’d be amazed at what you can do with containers! Continue reading “Daydreaming Of Container Gardens”