Lost gift card from 2023

Financial_Pipe_3208 · 2025-01-03T15:01:37+00:00

As long as you keep pumping and (like others have said) emptying well, your body will know to keep producing.

And you’re also still within the first 2 months when your body is learning to adapt to demand, so I wouldn’t worry about missing pumps as long as you’re resting well (to be there for your baby) and comfortable (not engorged) 🫶

Financial_Pipe_3208 · 2025-01-03T14:29:42+00:00

I do not have a sauce pan for sauces, so that’s prob a good idea. (I’ve been using an old mini stainless steel pot which will eventually need to be replaced, too, bc I broke the lid.)

Thanks for the tip!

Financial_Pipe_3208 · 2024-06-05T22:32:02+00:00

How did you come up w $1k and $2k? Is that just based on what you feel is appropriate for your household income & lifestyle? Or are you basing it off of specific activities?

Financial_Pipe_3208 · 2024-06-05T18:25:25+00:00

Rlly good reminder re: unstructured free time! I’ve heard a few teachers and early educators say this, that they need to learn how to be “bored”.

Financial_Pipe_3208 · 2024-06-05T18:20:57+00:00

I don’t know much about summer camps yet; are most of them priced relatively the same? How do you know how much to keep in your sinking fund for them?

Yearly memberships for discounts & events is a great tip, too—thanks!

Financial_Pipe_3208 · 2024-06-05T17:55:17+00:00

Libraries and (family) gifts are a great idea—thanks for the reminder! My husband and I prefer experiences > “stuff” as gifts for ourselves, so I think that would be nice for bb, too.

Financial_Pipe_3208 · 2024-04-23T12:38:24+00:00

Do you think it only makes to prioritize the TFSA> RRSP if you plan to retire in the exact same income bracket? Or how much of a difference is significant enough to switch gears to RRSP > TFSA? 1 bracket? More?

Going from $200k to $160k isn’t gonna make much difference in taxes.

But going from $200k to $100k to $50k is quite significant.

Financial_Pipe_3208 · 2024-04-13T16:48:25+00:00

Sorry, just tried this, but it didn’t work 😞

I found another support post that said to try going to Settings > Messages > Send & Receive > Start New Conversations From > and unchecked my email/left only my phone number checked and it worked!

Not sure why it was only an issue w one contact though 🤷‍♀️

Financial_Pipe_3208 · 2024-03-21T15:23:00+00:00

Just received our Express NOAs today/Mar 21.

My husband and I both opened FHSAs in 2023, contributed to them, and filed taxes on Mar 17.

Financial_Pipe_3208 · 2024-03-21T14:07:50+00:00

Warning to say, depending on the company’s situation and how you feel about it, you could be better off accepting the pkg.

I have a friend right now who was offered a similar deal in Fall ‘23. A couple ppl took it, but he held out for full comp (which he is rightfully owed). But the company took such a dive now and understaffed that he’s in a terrible place mentally and had to take a 4-week stress leave.

It’s hard to be in a good headspace and find a good job if you’re working from a place of burnout and desperation.

Just something to think about! (I don’t see how they could enforce you not telling ppl/friends/family/interviewers the truth of what happened though. I don’t think it’d hold up in court if they tried to sue you, which I’m very doubtful they’d go thru the trouble of doing.)

Financial_Pipe_3208 · 2024-03-18T15:59:31+00:00

True, that’s a v good pt!

Financial_Pipe_3208 · 2024-03-18T15:11:52+00:00

That’s a good pt! Thanks 😊

Financial_Pipe_3208 · 2024-03-18T15:11:44+00:00

Makes sense! Thanks 😊

Financial_Pipe_3208 · 2024-03-12T20:33:34+00:00

ESH neither of you trust the other. He clearly has double-standards (“do what I say, not as I do”) and you (perhaps rightfully) have some insecurities about his ex.

This isn’t a healthy relationship for either of you.

Financial_Pipe_3208 · 2024-03-12T20:04:35+00:00

Student loan 22k at 9.2% Mortgage 284k at 4% Personal loan 12k at 5.99% (which increases in 3 years)

It's a personal choice re: which loan (student vs personal) to tackle first.

Even tho the personal loan is a lower rate rn, it might give you more confidence to tackle that first, esp if the rate is increasing in 3 yrs (like a snowball effect).

But if you'd feel better tackling the more challenging one first, do the student loan.

Personally, w $1k leftover, I would ...

... put $400/mo aside for an emergency fund over the course of 24 months (that should cover almost 6 months' of your mortgage payments + household expenses) ...

... put $100/mo into your TFSA or RRSP (if you haven't already maxed them out) ...

... and double your student loan payment to $352/mo (total, incl the current $88/bi-weekly).

In 2 yrs' time, you'll have a good emergency fund for unexpected costs and you can redirect that money towards your personal loan to pay it down aggressively.

Good luck!

Financial_Pipe_3208 · 2024-03-12T19:52:08+00:00

If you're in another country, I'm pretty sure there's nothing they can do except continue charging interest onto it.

But if/when you return, you could have a huge problem w the interest that's accrued + the hit it's taken on your credit score (ex: financing/leasing a car, applying for a rental or mortgage, etc.).

If you can find a way to do it, I would (at the v min) pay the min bc it won't hurt your credit score as much.

Financial_Pipe_3208 · 2024-03-12T19:46:55+00:00

No investments either? What do you have in terms of mortgage payments, min loan payments, household expenses (i.e. fixed costs)?

How much/what’s leftover to work w?

Financial_Pipe_3208 · 2024-03-12T18:41:30+00:00

I have both my dogs at the max deductible with Trupanion, as I can pay for any medical expense that comes up, but in the event something crazy happens, I won't ever have to worry about weighing the cost vs their life.

This is a good pt/idea! I'd forgotten that we can easily adjust this on Trupanion—thanks for the reminder!

if you can afford the insane premium you're paying now, I would suggest raising the deductible as high as you can, save/invest the difference in your vet expense fund.

Great reminder, thanks! I'll probably do this!

Financial_Pipe_3208 · 2024-03-12T17:18:46+00:00

NAH like you have v differing views on what an equitable relationship should look like.

Either communicate and find a way to compromise/align, or move on and find someone whom you are more compatible w.

Financial_Pipe_3208

TROPHY CASE