It’s Time To Get Your Financial Sh*t Together.

With 2018 right around the corner, don’t you think it’s time to get this adulting thing under control? It’s time to start thinking about your personal finances, and it all starts with a budget. Let me be your personal trainer for your bank account.

If you’ve been following the blog since it launched in January, you probably remember me saying that budgeting is one of the most important aspects of my personal finances. Budgeting was how I was able to save $20,000 in one year while living in Toronto to travel the world for 6 months. And it’s how I continue to live and SAVE in this so-called “expensive” city.

Have you ever thought that maybe you’re making your life more expensive than it needs to be?


Everyone who makes money should have a budget. It helps you figure out how much money you make, spend, and can ultimately save for short/long-term goals.

If you find yourself with any of the following, you definitely need a budget.

  • You have troubles paying your bills and are in debt.
  • You have zero savings at the end of each month. Can I get an Amen?…. No. This is bad.
  • You have no idea where all of your money is going. You’re good at making it, but you’re better at spending it. You know who you are…
  • You want to plan for a big purchase such as a car, a home, or to go on a big trip.
  • You want to start putting money aside for important life events such as having children, going to school, getting married, and retiring.

let me help you!

Since launching the blog in January, I’ve helped over 50 clients in creating a budget, learning the basics of investing, and making a plan to pay off debts. I offer one-on-one consultations that can be done in person, or through video/phone call if you don’t live in Toronto.

I’ve helped clients with the following:

  • Managing personal finances by creating a personalized budget. I have my clients track their budget after our consultations.
  • Reduce monthly costs with easy to follow tips and tricks that put more money in your pocket at the end of each month.
  • Find ways to get rid of your debts (credit card, automobile, student debt etc.) and offer alternatives to lower your interest rates.

What are your consultations like?

Thanks for asking! It all starts with a conversation. I need to evaluate where your so-called “pain points” lie and what your future goals are. Once I have a better idea of that, we get into the nitty-gritty dirty bits of your finances; looking at your credit card/debit statements, reviewing your current debts/investments (if you have any), and setting you up on a plan that is easy to follow. These plans will work if you stick to them. Promise.

What Past clients have said:

Ready to go?

It’s as easy as sending me an email through the contact page or by emailing me at [email protected].

It’s time to stop stressing over your finances. Start living debt-free. Let’s get you set up on a plan that is easy to follow, non-threatening, and let me help you understand where all of your money is going. Thanks for all of the support and love over the last year. I can’t wait for what’s in store for 2018, and I can’t wait to help you get your finances on track.



What’s Up With These “Robo-advisors”

You’ve probably been on Facebook, Instagram, or Twitter in the last 24 hours and have come across an ad for a company called Wealthsimple – Investing on Autopilot. Or maybe you’ve just heard from friends, family, and coworkers about these new Robo-advisors. So while you sit there, scratch your head, and wonder what this new type of tech is, I’ll explain it to you. As easily as possible.

What is a Robo-Advisor

A Robo-advisor is a new class of financial advisor. It uses algorithms to provide investment management and/or advice with little human supervision. Continue reading

How to Make More Money Meow

Do you know what makes me want to do the Cha-Cha Dance like this cute little kitten?

Alternative streams of income!


I’ve struggled with the idea of a 9-5 job for a large part of my adult life. I’ve tried it before, but I just don’t think it’s for me. When you don’t have a steady income, it’s important to work as much as possible so you can financially support yourself. Since returning from my 6-month journey to South America and Southeast Asia, I have been predominantly working part-time at a restaurant so I can direct my energy on other passions (like this blog).

With this choice, I had to figure out alternative ways to supplement my income as the restaurant gig was only bringing in $2000-$2500 each month. I’m going to share some of those alternative streams of income with you in case you’re looking to make a couple extra bucks to help with bills, savings, or anything else you’re interested in purchasing.  Continue reading

Planning a Trip? Leave Your Financial Stresses on the Runway

Greetings from Wiesbaden, Germany! I’ve been here for the past week and a half for my Oma’s 80th birthday. This is me stuffing my face with the Thanksgiving dinner that we prepared for our German family. Do you know how hard it is to find a Turkey in this country? It’s not easy – let me tell you!

Travelling is an important part of my life, and it’s something that I try to do at least once a year. However, it can get expensive, and it’s something that definitely needs to be budgeted for. I’ve met lots of travellers who end up stressing during or after a trip because they’ve dug themselves so deep into debt.One of my personal goals is to help others create and manage their personal finances and budget for short or long-term goals. So, this post is a list of some handy tips to ensure that you have financially stress free travels.

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My Favourite Apps and Websites For Free Stuff and Discounts!

As The Budget Babes, I’m constantly on the lookout for apps and websites that will allow me to save even more money while living in Toronto. I’ve come up with a list of my top 5 apps and websites that are free, and give me rewards just for using them. I hope you benefit from the list below as much as I have. I’ve saved a lot of money with very little effort. And because of that, it’s got me dancing like this….


This is for all of you cyclists out there! Continue reading

A Quick and Dirty Overview of Bonds

No, no. Not James Bond silly. C’mon now….

I’m talking about the financial term bond, and why you should have these types of investments in your registered and/or non-registered accounts.

WHAT IS A BOND and how do they work?

  • When you buy a bond, you are basically turning yourself into a bank. You loan your hard earned cash to the government, a city/province, or a company for a set period of time at a variable or fixed interest rate. The interest rate that goes along with a bond is often referred to as the bond’s yield. Continue reading

Credit Cards: The Good, and The Not-So-Good

Do you remember signing up for your first credit card? I do. It was at Queen’s University during frosh week. I was walking around campus, checking out all of the little booths they had set up for newbie students, and I got sucked in. And all I got was a crappy oversized t-shirt and a $10,000 credit card limit. WHAT KIND OF 19-YEAR-OLD NEEDS A $10,000 CREDIT CARD LIMIT?

Luckily, I was educated by my parents about how credit cards worked and didn’t take advantage of this $10,000 limit. I knew that this money was not “free”. Some other friends’ in her life did not understand how they worked and got caught up in a bit of credit card debt.

So for all of you readers who may have never thought about that little piece of plastic that sits up front and centre in your wallet, this post is for you.

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What’s the deal with Index Funds?

Have you heard of these things? Hmm’ing and haw’ing over what they are? Well, hmm and haw no more! I’ll give you the scoop on Index Funds, and explain why these types of mutual funds may be some of the better fund picks for your portfolio if you’re a newbie investor.


Remember those days in high school when you had that massive 400 page Chemistry text book and you needed to find information on some crazy chemical like uranium? Where did you flip to?

Probably to the very back of the book – where the INDEX was. In book terms, the index is where ALL of the book’s content lies. It’s all-encompassing.

Continue reading