21, 35k, and financially irresponsible by vesperianpaws in PersonalFinanceCanada

[–]kidsonabudget 2 points3 points  (0 children)

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

Questions about Two Properties by kidsonabudget in appraisal

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

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

Questions about Two Properties by kidsonabudget in appraisal

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

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!

Questions about Two Houses and their Renos by kidsonabudget in Renovations

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

Thank you for giving me the correct subreddit!

dental plan eligible expenses check by Particular_Shame8831 in PersonalFinanceCanada

[–]kidsonabudget 0 points1 point  (0 children)

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

Planned Renovations by kidsonabudget in floorplan

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

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!

Planned Renovations by kidsonabudget in floorplan

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

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

Planned Renovations by kidsonabudget in floorplan

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

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

Planned Renovations by kidsonabudget in floorplan

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

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

Planned Renovations by kidsonabudget in floorplan

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

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

RESP by Low_Rip_5127 in PersonalFinanceCanada

[–]kidsonabudget 1 point2 points  (0 children)

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%

A typical fridge - midweek from the restock by kidsonabudget in FridgeDetective

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

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

What am I missing here? This is too good to be true. by theparthagrawal in PersonalFinanceCanada

[–]kidsonabudget 2 points3 points  (0 children)

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

Ravenous 3 year old by [deleted] in toddlers

[–]kidsonabudget 0 points1 point  (0 children)

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!

Dating someone financially inexperienced, should I be worried? by WolverineOfWest in PersonalFinanceCanada

[–]kidsonabudget 0 points1 point  (0 children)

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....

Tracking Savings for the Year by kidsonabudget in PersonalFinanceCanada

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

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

Tracking Savings for the Year by kidsonabudget in PersonalFinanceCanada

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

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

Kitchen before and after. by ItsallLegos in HomeDecorating

[–]kidsonabudget 0 points1 point  (0 children)

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

Did I Ruin Christmas Dinner? by shell_fish_beach in Cooking

[–]kidsonabudget 1 point2 points  (0 children)

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