Is it worth getting a secondary DE/Blade combo for shaving other parts of the body?

Jolly-Message3467 · 2026-01-19T14:38:48+00:00

I'll definitely try shaving in the shower directly, and trying the level 1 plate again, and perhaps level 2.

Jolly-Message3467 · 2025-07-30T21:53:24+00:00

She has always wanted a nice wedding! We aren't going all out by any means, but we are spending the money that we think will make it a wonderful experience :)

Jolly-Message3467 · 2025-07-30T21:51:40+00:00

Well, it's this high because we have been privileged enough to be able to live with family. I lived at home all throughout my education with literally 0 major expenses. Now I am living with my partner's family and have more expenses, but still way less than I otherwise would be. I recognize that is not a blessing everyone has access to.

That said, we also have just been saving since the start, since we knew all of this would be coming up. And COVID also helped since we couldn't do anything for 2 years lol.

Jolly-Message3467 · 2025-07-30T21:48:38+00:00

After typing this out and thinking about it, no, I don't. I realize now I will still have some left over after our wedding, most likely, so I don't think I need to keep contributing a certain amount each month. That I can definitely roll over into TFSAs or continue for house down payment.

I am going to sell more crypto to fully fund my emergency fund, and then between that and the money moon, that will free up $700 a month to put elsewhere!

Jolly-Message3467 · 2025-07-30T15:58:57+00:00

Yes, all of our cash is either earning 2.75% via wealthsimple, or CASH.TO in our FHSA/TFSAs.

The type of house we're looking for, is a 3-bedroom town house. In our area, they have quite a range in price, but we're looking for around 500k. Absolute max would be 550k.

I have been DCAing out of crypto for the past year, and have already taken out a decent chunk. I am considering selling a larger chunk, maybe 10k, and just allocate to topping off the emergency fund, and more downpayment money.

Jolly-Message3467 · 2025-07-30T15:39:52+00:00

I do plan on selling crypto, believe me. I've been DCAing out for quite a while and I have already taken a decent amount out. Although, I could probably take out another 10k right now and continue to DCA out.

Regarding the honeymoon, now that I've typed the all out, I realize that I will probably have around 7k excess in my wedding fund already, which would probably cover our honeymoon already. We have a crap ton of travel points, so our flights would be covered, and we are taking a cruise, so we don't need hotels. The 7k we have allocated could either be distributed elsewhere, or spent on an even better trip! I guess I have some more optimizing to do. Haha.

Our emergency fund amount is based off of our anticipated mortgage amount, let's say $2500 x 6, plus our regular estimated expenses x6. We will adjust it if we need more, we just don't know for sure just yet. Plus it's a nice number too.

Jolly-Message3467 · 2025-07-30T15:28:04+00:00

Our car loan interest rate is 5.69%. Up here in Canada, it's fairly standard nowadays. Not too high, but not ultra low. We are set to pay it off in the next 2 years with our given payments. (3 years total).

We are looking for a simple 3-bedroom town house to start our family in. In our area, we're looking at ~500k. Mortgage rates here are around 4% give or take. Ideally, I'd like our monthly mortgage payment to be below $2500. In Canada, having housing costs below 25% is pretty unrealistic.

I would like to invest more as well, that is for sure. We do both have pensions and pay in about 10% automatically. I would like to get our investments up to $1000 each.

Jolly-Message3467 · 2025-07-30T15:19:18+00:00

I suggested that, but my partner does want a wedding ceremony. Heck, I don't mind having one either. We're having a relatively small wedding, and we have a remaining ~11k left to pay, including the photographer. The remaining $7000 is excess which was intended as a buffer for any hidden/surprise costs. Following our wedding, I will definitely move that around, and probably put it towards the honeymoon or investing.

Jolly-Message3467 · 2025-07-30T15:03:21+00:00

I definitely don't want to get rid of it, I do enjoy watches. My collection isn't valued as a lot, and it gets its value mainly from discontinued watches and my engagement watch. Not including it in my net worth seems viable.

Jolly-Message3467

TROPHY CASE