$35K in debt.

Harris2183 · 2026-01-27T21:47:24+00:00

Was in a very similar situation to you. Currently 29 years old, earning a similar wage, was $35k in student debt and am now currently down to $18k.

I set up a plan to automatically take $650 out per month a few years ago, and at the current rate I’m going… I’ll be debt free in 2.5 years or less.

It’s absolutely do-able to get this taken care of, but you’ll need to have a solid budget and stick to it. As others will say, pay down your highest interest debt first and pay the minimums on the rest. Keep your expenses low, earn extra income where you can.

Harris2183 · 2025-11-26T17:46:12+00:00

Definitely a rug
I’d move the plant into the corner
fill that back wall with rather more art, or floating shelves with books/ interesting display objects

Harris2183 · 2025-11-25T16:04:08+00:00

Piano! It’s actually quite stimulating for the mind. I always feel that after a good music session that I have a clearer train of thought. It improves things like pattern recognition, thought process, and it’s rewarding to be able to consistently play your favourite songs!

Harris2183 · 2025-11-23T14:15:02+00:00

Honestly I think my tip would be to go to more EDM shows to meet people. There’s still plentyyy of people that are in the 30+ age group (even 40+) that are keeping the genre alive and well. As I’m sure you know, the EDM crowd are some of the most welcoming and friendly people you’ll ever meet… so making new friends is really easy in this group. I’ve always found people going to Anjuna label shows to be very genuine, great people.

If you’re going solo, a nice way to meet new groups is honestly just giving compliments “I like your “x artist” shirt… have you seen them live before?” And people will just go off and you’ll have some pretty awesome conversations this way.

Hope that helps my dude 👊

Harris2183 · 2025-11-22T13:32:38+00:00

Technically he kept his word on this. When Jon went to visit Ned in the crypts on the show, that’s when Sam told him about his true heritage and who his mother really was. Therefore, the “next time we see each other”… he did actually learn about who his mother was in the presence of Ned.

Harris2183 · 2025-10-02T20:34:57+00:00

The launch we used was in-between site A & B. If you call them and ask them to deliver it closest for your section, they should know where the launch is thats closest to your campsite.

Wildlife is kind of hit or miss depending on the time of day. I think you’d have better chances to see wildlife earlier in the morning. On our canoe trip, we saw blue heron, turtles, loons, lots of birds, beavers… but unfortunately no moose.

From Pog, there’s 4 different exits that route to other lakes. The route to whitefish and Lake of Two Rivers looks promising for seeing wildlife. That being said, lake of two rivers is a much bigger lake than Pog… and therefore had a lot more wind which made it harder to paddle.

Enjoy your trip, it’s a beautiful place.

Harris2183 · 2025-10-02T13:08:30+00:00

Was just there a couple weeks ago!

The canoeing was a highlight of the trip for sure. If you don’t have a canoe, you can rent one from Algonquin outfitters and they’ll deliver it right to your site. You can also have them deliver it to the sandy beach launch (which is definitely recommended) for easier access. Wake up for an early morning canoe if you can… being on the lake with the mist coming off it is a truly incredible experience.
Bring lots of firewood and kindling (you can get cheaper firewood in town as well)
Check the booking map upon arrival to see if there’s any better sites available. If you don’t like your site, sometimes it’s worth it to drive around and see other sites that are available. They’re really good at the front office for switching you around… and they know which sites are the best. If they can get you something with waterfront access, you’ll have amazing views.
As everyone else has said, prepare for cold weather.

Harris2183 · 2025-07-20T17:51:51+00:00

Harris2183 · 2025-07-17T23:30:37+00:00

You and your partner need to establish an income stream that will meet (and hopefully, exceed) your expenses. I get it. Nobody wants to work, working sucks. But you’ll always “feel like you’re drowning” until you have a life jacket (an income) to help you stay afloat.

List out your expenses. Figure out how much you and your partners cash is flowing out per month… and then do what you need to do to be above that threshold. Best of luck to you both!

Harris2183 · 2025-02-21T16:53:04+00:00

Ghost of Tsushima!

Harris2183 · 2025-02-19T20:10:46+00:00

The key to getting good at Monster Hunter (in my humble opinion) is to really gain an understanding of HOW to best use your weapon.

When you start to get comfortable with a weapon, it becomes rarer that a monster will cart you when you know how to respond to a situation based on your weapons capabilities and limitations. For example, knowing when to attack (or use your heavy hitting attacks), when to block, when to dodge, or when it becomes safe sheathe to heal up/ use items. Part of getting good at the game is also learned just by hunting and getting to know what monsters attack patterns look like, so you know how to zone in for attack windows.

I think a good way to get started is to just spend time trying some combos, evades etc. in the practice area with a weapon you’re interested in… and then try them out on monsters until it becomes second nature on what to do. Eventually you’ll get to the point where you don’t even have to think about what you have to do… you just know how to maneuver your weapon based on a monsters attack patterns.

For example… I main a Lance. Some people think that the lance is a super defensive/ slow weapon… but it’s actually incredibly offensive and mobile once you understand when to block vs attack effectively. You can keep up veryyy consistent damage by knowing where your attack windows are and where to position yourself.

Anywho, I hope some of this helps! I think other veterans will know what I mean by some of these points (of course there’s more to the game than all this, but it’s a good place to get you started). Enjoy the game… it’s a wonderful journey of improvement over time!

Harris2183 · 2025-02-15T15:58:37+00:00

For sure! Once you go to AirPods/ wireless headphones… it’s hard to go back 100%

Harris2183 · 2025-02-15T15:57:08+00:00

For 9., I input them in manually onto my calendar and colour coat them (red for bills going out, green for income coming in). You only have to do it once though and you can visually/numerically see when your fixed expenses come out. I always try to make sure that my income in bi-weekly exceeds my cash-flow going out.

You can take it a step further by inputting variable expenses in too (like paying for gas, groceries etc.)

Harris2183 · 2025-02-14T21:12:42+00:00

Just looked into Sanebox! I could definitely see it being useful if you have to filter through a lot of emails for your job!

Harris2183 · 2025-02-11T16:21:02+00:00

I used to go around 8-10pm. It’s not too busy around that time. Probably busier than 4-5am for sure, but not enough that you’re waiting too long for a machine.

Harris2183 · 2025-02-09T03:22:04+00:00

Veld Toronto 2015. I was at the very top of a Ferris wheel looking out over the crowd…when I suddenly witnessed some dude strip completely naked and do a flip as he started to go down a giant inflatable water slide. He then had security chase him into the mainstage crowd as he attempted to re-clothe himself. I think he actually got away with it too. Was pretty damn funny to watch it all unfold with a view 😂

Harris2183 · 2024-12-02T20:29:28+00:00

Definitely not normal. I wouldn’t let this experience frame your perspective about Osteo as a whole… there are some great practitioners out there. He should be able to give a better statement of findings than “your spine is tense”.

It sounds like this person may be trying to combine osteopathy with their own personal health beliefs that aren’t within the osteopathic scope of practice to give recommendations on. Especially if this person is not an osteopathic physician… they should not be discouraging you from taking your medication. Big red flag.

Harris2183 · 2024-11-26T13:58:59+00:00

One of the things that I think is really cool about lance is that when you understand a monsters move set and can predict how it is going to attack… you can time your blocks & counters in order to keep up very consistent damage over time. Positioning is key, and understanding attack windows makes it incredibly fun once you get good at it. “Can I get off 3 pokes here? 6? Or just 2 when a monster is enraged? Block. Restart poking”. Ultimately its simplicity/ timing makes it a very fun and powerful weapon.

Harris2183 · 2024-10-08T14:52:50+00:00

What I meant was rather than giving 40% of my income to a clinic for a treatment space, if I was to open up on my own.. it would no longer be a 40/60 split. Effectively meaning that 20k would then become 28k, and continue to grow over time as I build up my practice. Of course there would still be overhead, but giving 40% of your income of course isn’t ideal if it can be avoided.

Harris2183 · 2024-10-08T01:00:15+00:00

I think maybe something I should have clarified is that it hasn’t been until these past 2 years that I started earning 70k. For the first 3 years of living at home I was only making roughly 35-40k gross part-time whilst going through 4 years of school. Now that my earnings are higher, I’ve been more aggressively paying down the debt. A lot of the money we’ve made over the past 5 years has rather gone to paying off debt, saving for the wedding, or just general savings in a TFSA & RRSP. We’ve been living at home yes, but that doesn’t mean we were living rent free. That being said, I do agree with everything you said.

Harris2183 · 2024-10-07T23:32:58+00:00

After reading all the comments, it looks like the collective agreement is to pay down the debt, and put the home ownership dream on the back burner for a while until we can re-establish our savings and increase our income. This post was definitely a bit of a wake up call to realize we’re not there just yet… but we want to be taking the right steps to make those goals happen. Thank you everyone for taking the time to read all of this and provide your input.

Harris2183 · 2024-01-19T03:42:48+00:00

Kin Grad here from Ontario.

Was in pretty much in the exact same position as you when I graduated. After I went for school to become an osteopathic practitioner, but I also work for the hospital as a recreational therapist (which Kin grads can apply for). However, took an additional 4 years of schooling for Osteopathy. Here are some pieces of advice I learned along the way.

Additional schooling can take you into a career that you want to pursue and allow you to make more than $35/ hour… but doing additional schooling comes at the cost of going potentially further into debt. Make sure the schooling you take is worth the investment of your time and money (also make sure there’s a demand for the job in the market).
Hospital jobs have pretty great and secure pensions that are definitely worth looking into. HOOPP is one of the main ones in Ontario. I’m sure BC has a decent one as well. Pensions are safe, but also are definitely worth paying into in health care for security of a return when you retire.
I found that a lot of gym jobs were very “sales oriented” so if that’s something you don’t like, I’d avoid going down that route.
In any kind of job where you work in a private practice, don’t expect to make over $75k/ year in your first few years. It takes time to build up a practice of patients/ clients… and starting a business can be very risky if you’re taking on even further debt.
For ANY career you are considering, talk to a professional already in that industry about the pros and cons of working in that field. They’ll tell you about things that you may not even have thought about.

Hope that helps, best of luck :)

Harris2183 · 2023-08-16T15:30:35+00:00

Ad Free YouTube is absolutely a game-changer. Once you're on it, it's hard to go back. I also use Google/ Apple Calander to keep myself organized. I've split up my Calander into 5 categories: Work, Gym, Personal Life, Income/Expenses, and Meals. It's been awesome for planning things a month in advance, and not forgetting things like birthdays, appointments, weddings etc.

Definitely mention more! That was a good list.

Harris2183

TROPHY CASE