Category Archives: Budgeting

New Monthly Budget Effectively September 1st, 2011

Posted on August 5, 2011 by besmartwithyourmoney

By the time this post release, I should be on the greyhound bus heading to Montreal for a two nights, three days weekend. I didn’t bring my laptop with me since I will be too busy sight-seeing in Montreal. So … Continue reading →

Posted in Budgeting, Emergency Fund | 3 Comments

Finally Debt Free! :):):)

Posted on July 28, 2011 by besmartwithyourmoney

July 28, 2011 is the day that I officially achieve debt freedom 🙂. I still can’t believe that it’s actually happening. I am completely debt free. All the earnings I make from now on will be mine instead of going … Continue reading →

Posted in Annually Goals, Budgeting, Debt Reduction | 5 Comments

Debt Free Count Down: 6 Weeks!

Posted on June 16, 2011 by besmartwithyourmoney

Today is payday at Parmalat, so that means the whole pay cheque ($1,000) will go toward the student loan debt. As of today, my student loan debt is reduced to $3,150.75 from the original $20,000 student debt. There’s exactly 6 … Continue reading →

Posted in Annually Goals, Budgeting, Debt Reduction | 1 Comment

My Student Debt Update!

Posted on May 6, 2011 by besmartwithyourmoney

So yesterday, I got my pay cheque from Parmalat and without any hesitation I transfer my Parmalat pay cheque of $1000 to my student loan account. If it was the old me, I know I wouldn’t even think about using … Continue reading →

Posted in Annually Goals, Budgeting, Debt Reduction | 4 Comments

How to eliminate your student loan quickly?

Posted on May 4, 2011 by besmartwithyourmoney

One of the most difficult task that university student have to face after graduation is to accept the reality that they have to start repaying their student loan. I couldn’t come into reality myself when I graduated in June 2009 … Continue reading →

Posted in Annually Goals, Budgeting, Debt Reduction | 3 Comments

What are you doing in your 20’s?

Posted on April 29, 2011 by besmartwithyourmoney

Your 20’s are exciting time, you might just started university or just landed your first full-time job. On the other hand, you might be like me in your late 20s who has been working for a while and are ready … Continue reading →

Posted in Annually Goals, Budgeting, Debt Reduction, Saving | 1 Comment

Basic Facts on TFSA

Posted on April 26, 2011 by besmartwithyourmoney

A TFSA can be a great saving vehicle for reaching your goals and dreams. TFSA is referred to as the tax-free saving account. This means that any interests you accumulate in this account, it would be tax-free. For so long, … Continue reading →

Posted in Budgeting, Investments, Saving | Leave a comment

My Frugal Life

Posted on April 22, 2011 by besmartwithyourmoney

When people ask me how I plan to achieve financial independence, I tell them I simply adapted living frugally. When people hear the term “Frugal”, the first thing that comes to mind is cheap, deprive, and anti-social. They think people … Continue reading →

Posted in Budgeting, Debt Reduction, Necessity, Saving | 4 Comments

How to save money on your first date?

Posted on April 17, 2011 by besmartwithyourmoney

Going on your first date must be very fun and exciting, but it can also break your wallet depends on what you want to do with your date. Most guys try to impress the girl on the first date by … Continue reading →

Posted in Budgeting, Coupons, Entertainment, Relationship | 7 Comments

Wants Vs Needs

Posted on April 14, 2011 by besmartwithyourmoney

Every penny counts when you are serious about achieving financial independence. Being able to differentiate between a want and a need can potentially save you a lot of money. Wants are basically something that you would like to have just … Continue reading →