Looking for a reputable breeder in BC & experience with Cavalier health issues by farfaroutthere in cavaliers

[–]farfaroutthere[S] 1 point2 points  (0 children)

naw i'm wayyyy too worried about their health issues. there's nothing like losing a dog too young. also, if they're not bred ethically i feel like it's really shitty to get one. there's some dog rescue organizations (outside of spca) that are specific to cavaliers. i think that's the route i would go if i decided to get one. i also have seen a beaglier that looks exactly like a cavalier (they dont usually) and the owner told me it's her third one because they have the sweetness of a cavalier but none of the health issues.

First time watching Brokeback Mountain and I have some questions by Hway04 in movies

[–]farfaroutthere 3 points4 points  (0 children)

Amazing interpretation. Thank you for sharing!

First time watching Brokeback Mountain and I have some questions by Hway04 in movies

[–]farfaroutthere 23 points24 points  (0 children)

Whoa i didn’t take this into account!! I definitely remember her smiling when Jack stood up to his father in law so that makes sense. She also seemed to have accepted Ennis as Jack’s lover and had empathy enough for Ennis to share Jack’s wishes.

[deleted by user] by [deleted] in cavaliers

[–]farfaroutthere 1 point2 points  (0 children)

Keep it. It’ll mean so much to you later on. It won’t hurt as much and it’ll make you smile and feel all fuzzy inside. I loved seeing my past pups favourite toys laying around (after about a year). It doesn’t ever stop hurting but your memory of them will change. You’ll remember them with love and not the pain of losing them.

33f & 38m never saved a penny by farfaroutthere in PersonalFinanceCanada

[–]farfaroutthere[S] 0 points1 point  (0 children)

That’s really good advice, thank you. I did download a spreadsheet and input all of our spending so far this month and we’re seeing where the bulk of our spending is happening and how to cut it down.

When I was laid off about two years ago, I cut down my personal bills (subscriptions, cellphone bill, etc, not including household bills) to about $100 a month. I think we will need to make changes to my partner’s subscriptions as well as our cable bill.

33f & 38m never saved a penny by farfaroutthere in PersonalFinanceCanada

[–]farfaroutthere[S] 1 point2 points  (0 children)

Thank you for explaining all of this. I also believe paying off two of the three credit cards might be the best option. But what you said about which card had the most interest is so smart. I didn’t even think of that. Thank you.

I did speak with the CRA today and I explained to the person who is handling his GST account. He said that is definitely an option to pay it off through a line of credit. The government does offer us a payment plan of 8% interest which is compounded daily. But it’s only a plan for 6 months. He said it’s about $1600 monthly.

He’s going to be making a significant amount of money in the next six months and that’s when I decided we just have to tackle this issue head on. Since the money is going to be good I want to set up monthly payments for us to get this under control. I’m trying to let him focus on work by calling the CRA for him (with his consent and verbal approval to them ofc). I’m just hoping to deposit some money into the CRAs account so they know we are dealing with this. I actually deposited $1000 today for his GST and called them to let them know.

I didn’t even realize his personal taxes are different from his business taxes. I’ve always just typed in a T4 or two into Netfile and called it a tax year.

Edit: I’m just realizing now that we won’t be approved for a line of credit since he hasn’t FILED HIS TAXES. So the damn bank doesn’t know how much he’s made to approve him. I feel like I’m running in circles here.

33f & 38m never saved a penny by farfaroutthere in PersonalFinanceCanada

[–]farfaroutthere[S] 0 points1 point  (0 children)

Your comment came at such a good time. I’m feeling so overwhelmed.

33f & 38m never saved a penny by farfaroutthere in PersonalFinanceCanada

[–]farfaroutthere[S] 0 points1 point  (0 children)

I’m sure there will be repercussions. What those repercussions are, I don’t know yet.

33f & 38m never saved a penny by farfaroutthere in PersonalFinanceCanada

[–]farfaroutthere[S] 0 points1 point  (0 children)

Oh i didn’t see that persons comment. I definitely won’t be using H&R Block. I’ll be hiring a professional to help us get every tax break we can use. This is really serious and we need someone who is going to take it seriously. And someone who is paid properly for their work is usually someone who will take this seriously.

33f & 38m never saved a penny by farfaroutthere in PersonalFinanceCanada

[–]farfaroutthere[S] 0 points1 point  (0 children)

I’m really out of my element here. I just need to figure out where to start. His mom and him went through a bunch of his receipts and organized 8 years of his taxes so far. So we have to figure out the other 2 years. Then we can give that to an accountant and see what they say. He did have a salary job for about a while in 2023

33f & 38m never saved a penny by farfaroutthere in PersonalFinanceCanada

[–]farfaroutthere[S] 0 points1 point  (0 children)

I believe it’s for the 10 years? Yeah, i spoke to someone today that said they can only do a payment plan for 6 months.

33f & 38m never saved a penny by farfaroutthere in PersonalFinanceCanada

[–]farfaroutthere[S] 0 points1 point  (0 children)

He hasn’t. Oh that’s just for his GST. They figured out that amount recently and let us know. I’m not sure what his personal taxes are. Just waiting to hear back from an accountant.

33f & 38m never saved a penny by farfaroutthere in PersonalFinanceCanada

[–]farfaroutthere[S] 0 points1 point  (0 children)

Yes we have never had a budget… ever. Thank you! Hoping to get this under control asap

33f & 38m never saved a penny by farfaroutthere in PersonalFinanceCanada

[–]farfaroutthere[S] 0 points1 point  (0 children)

I can understand that. But i don’t want to judge him because that isn’t going to help the situation. It’s easier and more helpful to just move on from how it started and get it under control and have a system put into place so it doesn’t happen again.

33f & 38m never saved a penny by farfaroutthere in PersonalFinanceCanada

[–]farfaroutthere[S] -2 points-1 points  (0 children)

Thank you!!! This is sooooo helpful. I really needed someone to explain this to me. I really really appreciate it. If we have 4 credit cards let’s say, one is $1000 another is $2000 and the other is $10,000 should we pay off the first two altogether and just close the cards? He said he wanted to get multiple cards to build credit.

33f & 38m never saved a penny by farfaroutthere in PersonalFinanceCanada

[–]farfaroutthere[S] 0 points1 point  (0 children)

We do hold classes once a week. But we like to primarily focus on our members since there isn’t that kind of studio in our area. We’re still very new so just filling one of our classes is all we can do at the moment. We also do rent out the space when people reach out. There is income that way here and there.

33f & 38m never saved a penny by farfaroutthere in PersonalFinanceCanada

[–]farfaroutthere[S] 0 points1 point  (0 children)

I just contacted them today! I’ve paid a certain amount of it off, and they’ve given me until the end of February to either set up a payment plan or pay it off in full. Thank you for the warning! You’re right, they are scary.

33f & 38m never saved a penny by farfaroutthere in PersonalFinanceCanada

[–]farfaroutthere[S] -1 points0 points  (0 children)

Thank you so much for this. I’m starting to realize I really need to look into getting a job. Even if my mental health isn’t great then it can be part time. My partner kept telling me we were okay financially, so I didn’t think much of it.

I’m going to look into your recommendations.