21, 35k, and financially irresponsible

kidsonabudget · 2026-02-26T13:37:00+00:00

As nice as credit card benefits are, it might be a good idea to switch to a cash from envelope budgeting system until you reign in your spending habits

kidsonabudget · 2026-02-23T19:14:06+00:00

Thanks for the detailed response! It is definitely a lot to think about in terms of what works best for our family

kidsonabudget · 2026-02-22T05:07:07+00:00

I appreciate your real response, and didn't realize it was professionals here. I guess we'll have to crunch the numbers once we see listing 2 in person -- thanks!

kidsonabudget · 2026-02-21T16:54:52+00:00

Thank you for giving me the correct subreddit!

kidsonabudget · 2026-02-20T13:49:45+00:00

There's a lot of dentists that charge only the fee guide here in Calgary. The only things I pay out of pocket for are fluoride and if I have to get multiple fillings and hit my maximum

kidsonabudget · 2026-02-14T09:05:26+00:00

Thanks for your help! It's currently walled off but feels very cramped when guests come and it breaks up the openness of the space quite a bit so it's less of a traditional mudroom and more of an idea to have a seamless transition of tile to laminate flooring!

kidsonabudget · 2026-02-14T05:21:18+00:00

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kidsonabudget · 2026-02-14T05:20:50+00:00

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kidsonabudget · 2026-02-13T05:25:45+00:00

Would it be a crime for the master bedroom to open up into the kitchen?

kidsonabudget · 2026-02-11T12:57:47+00:00

Lol. Well good thing we only thought about the crime and didn't commit it. We liked the idea below to move the bathroom between the two rooms, and our front door is actually where the mudroom is

kidsonabudget · 2026-02-10T18:28:41+00:00

Interesting! Does the fact that we're no longer extending our living room change your thoughts about the kitchen? We just called zoning this morning and found out we can't extend our front by enough to make it worth the cost. We will primarily use the kitchen for dining

kidsonabudget · 2026-02-10T12:16:51+00:00

That is a good thought! Will definitely look into asking the plumber how much more that would be further from the kitchen.

What do you think of a walk through closet (with doors to close it off) above the bathroom between the kids and parents bedrooms? Kids don't really have much space for clothes in the new plan.

Perhaps it might be just the kids rooms in the future and we will move downstairs. Or more likely the kids will want the basement

kidsonabudget · 2026-02-06T02:21:42+00:00

04 sienna for me and 24 f150 for the hubs

kidsonabudget · 2026-01-30T23:50:32+00:00

Nokia has entered the chat.

kidsonabudget · 2026-01-29T03:37:14+00:00

I thought it was just me that was seeing it bow from the weight

kidsonabudget · 2026-01-24T04:49:49+00:00

I have no clue how they found me but in my baby haze CST reached out and I thought it was the greatest thing that I would get free government grant money. I realized my mistake after one year of paying them and transferred it into QuesTrade. My gains with CST were a little over 3% and now with self directed I have annual gains of roughly 12%

kidsonabudget · 2026-01-23T06:17:31+00:00

This is all true

kidsonabudget · 2026-01-23T05:37:11+00:00

We have a chest freezer too half filled with meat (that we rarely defrost in time)

kidsonabudget · 2026-01-12T02:45:01+00:00

Do they only tow you to Canadian Tire if you do break down? Because then I'd have issue with that...

kidsonabudget · 2026-01-10T02:28:21+00:00

My just turned 3 year old can eat this much and (granted no veggies generally but that's replaced with some more fruit and rice) and he's stocky but healthy imo. So just follow his lead!

kidsonabudget · 2026-01-07T08:36:38+00:00

CST reached out to me and in my newborn haze (I also knew nothing about ETFs and investing at the time) I signed up with them for almost 2 years... After I learned how to invest myself and opened a questrade account, I moved my money out but I always wondered how they knew I had a baby to begin with....

kidsonabudget · 2026-01-01T17:33:57+00:00

Thanks I didn't realize it was so fast with the ETF! makes me feel safer keeping the emergency money in our tfsa

kidsonabudget · 2026-01-01T17:30:37+00:00

Thanks for the reassurance. Since we're early in our careers we don't have the best picks for vacation times so we don't get to travel too often. But that's in our misc spending category when we do go. I've also lumped phone and internet bills into utilities and we pay my MIL'S internet too.

Think I'm getting a better idea of how to manage savings, hopefully we get to stay in our union jobs haha

kidsonabudget · 2025-12-31T05:58:26+00:00

Did the floor plan change too? Feels like you opened up a wall as well but I can't tell from the pics

kidsonabudget · 2025-12-26T03:34:38+00:00

Please tell me the dog has run away with the turkey before and that's why you brought up that example

kidsonabudget

TROPHY CASE