The Finance Diaries

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!

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

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.
[email protected]
514-779-8161

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 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.

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

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!

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

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. 

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

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. 

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

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!

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

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

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

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

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

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!

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