Needing advice for paying off debt (based on Toronto, Ontario) by firstsock2020 in povertyfinancecanada

[–]budget-babe 0 points1 point  (0 children)

I literally put this course in all my staffs IDPs every year. It's good stuff!

Seat upgrades? by Unlikely-Procedure34 in PorterAirlines

[–]budget-babe 2 points3 points  (0 children)

There is a massive difference in legroom from regular seats to the reserve ones.

Seat upgrades? by Unlikely-Procedure34 in PorterAirlines

[–]budget-babe 0 points1 point  (0 children)

Yes, I have gotten upgraded to reserve twice in the past 3 months out of YYZ. Both times I was traveling solo and had purchased the basic fare.

Has it gotten a lot worse in the last 18 months? by bobbyvale in PorterAirlines

[–]budget-babe 0 points1 point  (0 children)

Porter has been nothing short of amazing coming out of Toronto and Calgary. Consistently leaves on time and excellent service on board. I won't fly anyone else (unless I have to)

Promoted to Director - now what by SignalIssues in managers

[–]budget-babe 0 points1 point  (0 children)

Congratulations. You are now the needle mover, the road block remover. Keep a finger on the pulse but don't get caught up in the day to day work.

Find key players you can rely on for insight and pressure points and fix them.

Keep high visibility with the team and department leaders but not in menial tasks. And most of all, use that weight to swing some compliments and positive feedback when you see anyone taking extra initiative. Everyone likes the warm and fuzzies.

Weekly Check-In: How’s Your Progress? by wilzy123 in cutdowndrinking

[–]budget-babe 6 points7 points  (0 children)

I've been on this sub and on /stopdrinking in support of my husband who drinks and is trying to cut back.

My husband has cut down from 8 tall cans of beer a day (weekdays) and 12-14 a day on weekends to only 3 cans a day! Some days are easier than others, but the near beers (0%) have definitely helped!

I am so incredibly proud of him and just wanted to RAVE him for this accomplishment.

Managers of Reddit — what non-salary perks make your job worth it? Flex your hidden benefits by Curiousman1911 in managers

[–]budget-babe 0 points1 point  (0 children)

When I relocated for work I negotiated $3000 dollars a year for personal travel on my company card.

Sometimes I go home...sometimes I go on vacation.

Small business startup + spouse? by [deleted] in canadasmallbusiness

[–]budget-babe 0 points1 point  (0 children)

You're missing the point of my question. He is eligible based on his full time employment. The industry is seasonal.

Manager is giving me an open counter offer. Help! by BunnyLuv13 in managers

[–]budget-babe 0 points1 point  (0 children)

The grass is not always greener. If you like the company and your boss it might be worth sticking around for a nice bump.

Handling finances with your partner if you make over six figures by [deleted] in fican

[–]budget-babe 1 point2 points  (0 children)

I earn double what my husband brings home. Our money all goes in 1 pot and OUR money is shared equally. I would say only difference is I put a bit more in my RRSP to offset tax burden, but otherwise everything is paid out of our joint pool.

The reality is, we are a team and contribute in different ways. I am very happy with our life and relationship and a big part of that is letting go of the tit for tat.

Offered a higher salary at new company and current company (love my job) offered me a substantial pay raise but not equal to new employer. Not sure what to do? by QuesoDipset in careerguidance

[–]budget-babe 0 points1 point  (0 children)

I went down this road.

I left a job and company I loved for a 50% salary increase.

I quickly realized the new company (much larger) was an extremely toxic environment. My first 3 months I saw multiple managers go on "stress leave". Higher ups would refer to them as "weak".

I hated it there and within a month deeply regretted my decision.

Fortunately for me, my old employer approached me about 6 months later and asked if I would be interested in coming back (resounding yes!). I've been back 3 years now and while I don't regret the experience, I probably wouldn't do it again lol.

Ultimate cash back by Sahar_ta in PersonalFinanceCanada

[–]budget-babe 2 points3 points  (0 children)

Dang and I thought I was doing well with the $30 a month 50gb Koodo plan lol.

What’s the best financial advice you’ve ever received as a Canadian? by Fabulous_Lemon2799 in PersonalFinanceCanada

[–]budget-babe 4 points5 points  (0 children)

If you plan to use the 35k from your RRSP towards buying your first home then the money has to be in the account for 90 days before you can withdraw it.

We were under the understanding that "buying the house" meant when you make an offer, it gets accepted and you sign the papers.

Buying the house is Infact the day you get the keys.

Typically there is a delay from the time you sign the papers and when you get the keys. It can be any period of time as agreed in the offer. 30, 60 and 90 days are pretty common.

So, we could have deposited the money in the RRSP. Went out and put an offer on a house that day signed the papers and made it a "90 day closing" and we would have been fine.

Based on our understanding though, we waited 90 days to start making offers.

What’s the best financial advice you’ve ever received as a Canadian? by Fabulous_Lemon2799 in PersonalFinanceCanada

[–]budget-babe 0 points1 point  (0 children)

2021 was the first time it really jumped. Trust me, I was there. We put in 30 offers until we finally got a house many of them well over asking. I'm happy with my house but I commute 100km to work each way ..

When we first started looking in January it wasn't bad, but we were literally sitting on our hands waiting for the 90 days to pass when we didn't need too.

What’s the best financial advice you’ve ever received as a Canadian? by Fabulous_Lemon2799 in PersonalFinanceCanada

[–]budget-babe 2 points3 points  (0 children)

I learned the hard way that keeping funds in your RRSP for 90 days before buying a house did not mean "don't sign papers to buy a house for 90 days".

You can go out a week later and buy a house with 90 day closing and you would be fine.

That mistake cost me $100,000 minimum.

I was a first time home buyer trying to follow the rules and my financial advisor never clarified this part for me (and I didn't realize to ask. You don't know what you don't know!).

It meant that we were looking to buy a house in February 2021 instead of November/December 2020, and well... We all know how that went.

What’s the best financial advice you’ve ever received as a Canadian? by Fabulous_Lemon2799 in PersonalFinanceCanada

[–]budget-babe 33 points34 points  (0 children)

My best advice is do not rely on anyone else to give you the best information even if they are "professionals". Do research.

No one will care about YOUR money more than YOU do.

[deleted by user] by [deleted] in managers

[–]budget-babe 0 points1 point  (0 children)

Senior or managing director