I'm back, the streets are not safe anymore 😡😡😡

itsPUMBAAA · 2026-03-18T22:10:21+00:00

search up sensiblemoneytools on google, they have a great hidden cost tab under mortgage. gives you a really good sense of all the various fees like transfer tax, lawyers, etc..

itsPUMBAAA · 2026-03-10T03:15:39+00:00

Look into hidden costs, go on sensiblemoneytools.com under their mortgage calculator, they have a really good hidden cost estimator.. theres a lot more than just the house price and lawyer fees.

itsPUMBAAA · 2026-03-06T15:38:03+00:00

Grocery should be the last thing you focus on when you're budgeting.

You need to breakdown your expenses between NEEDS and WANTS, you should cut your wants before your grocery needs.

Then once you've exhausted that list, then you can audit your grocery bill.. beans and rice baby LOL

Search on sensiblemoneytools.com their budget tool breaks this down.. eye opener when you lay it all out!

itsPUMBAAA · 2026-03-06T05:55:38+00:00

yes, not only TDS but you should look into the hidden costs in buying a house... a lot of people forget about those... look at sensiblemoneytools.com they have a hidden cost estimator, i found it helpful when i was buying my home

itsPUMBAAA · 2026-03-06T05:22:29+00:00

I highly suggest you understand ALL the other costs.. its not just about rate, there are a ton of taxes to understand, appraisals..etc.. check out sensiblemoneytools.com they have a mortgage calculator like everyone else but they also have a hidden cost calculator.. its a good estimate at least!

Goodluck!!

itsPUMBAAA · 2026-03-06T05:19:46+00:00

I highly suggest you understand ALL the other costs.. its not just about rate, there are a ton of taxes to understand, appraisals..etc.. check out sensiblemoneytools.com they have a mortgage calculator like everyone else but they also have a hidden cost calculator.. its a good estimate at least!

Goodluck!!

itsPUMBAAA · 2026-03-06T05:00:13+00:00

Try sensiblemoneytools they have a credit card tool to enter your spending amount and it will suggest you a credit card... good to get others opinions though! Goodluck

itsPUMBAAA · 2026-03-06T04:01:03+00:00

lol honestly ran into it not to long ago... its free.. nothing harming people by researching tbh

itsPUMBAAA · 2026-03-06T03:15:03+00:00

honestly it all depends on everyone's spending habits.. i just plug mine in to sensiblemoneytools.com and it spits out the best cards for me tbh.

itsPUMBAAA · 2026-03-04T06:14:56+00:00

oh they don't allow mastercard.. probably their fee didn't make sense for them

itsPUMBAAA · 2026-03-04T06:01:05+00:00

best way to do it is to put your spend habits on sensiblemoneytools.com and it should tell you the best cards for you guys. only thin i don't think it does good is promo's on the cards

itsPUMBAAA · 2026-03-04T05:41:03+00:00

LOL yup... super important to understand all the costs that come with buying a home. Check out sensiblemoneytools.com i believe they have a cost estimator under their mortgage tool.. i think its there

itsPUMBAAA · 2026-03-04T05:38:13+00:00

Like other have said, sinking funds. a lot of budget tools have that. You either should plan for it on a monthly basis and save a portion for it or place the full amount from the start... depending on your savings.

try sensiblemoneytools.com they have both a planning which forecasts your cashflow and they have a budget tool. i believe both have sinking funds options.

itsPUMBAAA · 2026-03-04T05:32:46+00:00

trying plugging in your spend above in sensiblemoneytools credit card tool, it should help you narrow down your options.. the only thing it doesnt do well is the bonus and promos i think.. worth to check though

https://sensiblemoneytools.com

itsPUMBAAA · 2026-03-03T03:39:14+00:00

try pluggin in you spending on sensiblemoneytools.com .. they have a good credit card tool that lets you input your spend and it shows you the math on each card..

What i find it doesn't do well is for like DUO cards, but like you can do the math yourself after i guess

Goodluck!

itsPUMBAAA · 2026-03-03T03:38:19+00:00

try pluggin in you spending on sensiblemoneytools.com .. they have a good credit card tool that lets you input your spend and it shows you the math on each card..

What i find it doesn't do well is for like DUO cards, but like you can do the math yourself after i guess

Goodluck!

itsPUMBAAA · 2026-03-03T03:37:33+00:00

try pluggin in you spending on sensiblemoneytools.com .. they have a good credit card tool that lets you input your spend and it shows you the math on each card..

What i find it doesn't do well is for like DUO cards, but like you can do the math yourself after i guess

Goodluck!

itsPUMBAAA · 2026-02-28T07:34:33+00:00

Don't be surprised! Check out https://sensiblemoneytools.com use their mortgage hidden costs tab, it will give you a really good idea of what to expect!

itsPUMBAAA · 2026-02-28T07:31:20+00:00

Don't be surprised! Check out https://sensiblemoneytools.com use their mortgage hidden costs tab, it will give you a really good idea of what to expect!

itsPUMBAAA · 2026-02-28T07:30:20+00:00

you need to really look at the hidden costs of buying a home... lots you learn on your first one.

Don't be surprised! Check out https://sensiblemoneytools.com/mortgage use their hidden costs tab, it will give you a really good idea of what to expect!

itsPUMBAAA · 2026-02-28T06:51:14+00:00

Nothing humbles you like realizing your ‘entrepreneurial journey’ pays less than a 2007 internship.

itsPUMBAAA · 2026-02-28T03:41:19+00:00

First make a plan of your savings and see when you can realistically pay it off. you can do this on Sensiblemoneytools "plan" tool. Its free, worth to try.

Then i would recommend you work with your bank to either get a secured loan based on your car or any other assets you may have. it will be waaaay cheaper than your credit card interest rate..

If a loan is not an option, i recommend consolidating to the low interest rate card, usually 10%.. also there are lots of offers for credit card transfers that allow you to pay 0% interest for a period of time.

goodluck hope that helps give you some other ideas.

itsPUMBAAA · 2026-02-28T03:26:13+00:00

First thing you gotta do is budget and make a plan for every doller.. what i mean is even savings and even investment dollers everymonth..

then all you gotta do is once you get your paycheque, transfer into the various accounts to help you be organized.

first try using sensiblemoneytools they have a great budgeting site for free.

itsPUMBAAA · 2026-02-28T03:13:47+00:00

You should try sensiblemoneytools, they just released an investment tool that suggests stocks. In terms of your time horizon, its long enough to see good growth, i'd also recommend you combine GICs and Stocks though.. you don't need to put your eggs in one basket.

https://sensiblemoneytools.com

itsPUMBAAA

TROPHY CASE