Money After Graduation

money after graduation

Recent Blog Posts

How to Access Your Online Bank Offline
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Online banking is more convenient and affordable than most brick and mortar institutions. However, many people hesitate to give up traditional banks for their digital counterparts. Consumers are often wary that an online bank will not be able to provide the services and products they need, but on...
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Building Consistent Wealth on an Inconsistent Income
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If you’re a contractor, freelancer, entrepreneur, or seasonal worker, one of your biggest challenges is likely consistently growing your net worth on an inconsistent income. The first challenge of living on an inconsistent income is making it last through the lean months. But once you’...
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Debt is an Income Depressant
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Do you make good money but feel broke? Chances are your debt obligations are what’s cramping your style. We tend to think of debt as it’s own entity and not something that affects other aspects of our finances. Or at least, that’s how we think of it when we’re first borrow...
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How To Pay Yourself When You’re Self-Employed
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In 2015, I left my full-time job to devote all of my efforts to building Money After Graduation. I’d like to say I was organized and top of things right from the get go, but in reality it took me more than 12 months to really get my business working, particularly my business finances. Belie...
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Should You Start Investing If You Have Debt?
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Many people are eager to get started in the stock market, but other financial obligations are holding them back. You can (and should) start investing even if you have debt Paying off debt and building wealth doesn’t have to be an either-or decision. You can do both at the same time, and will like...
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CDIC Deposit Protection For Your Child’s RESP
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One of my first tasks as a new mom is setting up an account to save and invest for my daughter’s post-secondary education. When I attended university, I couldn’t afford to pay my tuition without borrowing tens of thousands of dollars of student loans. This left me deeply in debt at graduation, an...
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How to Get Help Repaying Your Student Loans
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Many of us are annoyed by our student loan balances. It’s frustrating to spend hundreds of dollars each month on old debt for a degree you may or may not be using when you would much rather spend or save that money for something else. We forget that being able to afford our student loan payments ...
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The $20 Emergency Fund
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You might think the title of this post is too good to be true, but I promise: this is the easiest hack to building an Emergency Fund on a tight budget. When I decimated my Emergency Fund in 2016 and immediately added to my state of financial crisis with an unplanned pregnancy, I knew I had to get...
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The Secret Life of the Payday Loan Borrower
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Payday loans are the dirty little debt secret no one talks about, but as many as 2 million Canadians borrow these from these high-interest short-term loans every year. What is a payday loan? A payday loan is a loan for an amount less than $1,500 with a term ranging from 14 to 90 days. They typica...
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Never Pay More Than 5% Interest on Your Credit Card Debt
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When it comes to paying off debt, focusing on ridding yourself of the highest interest balance first. This is often called the Debt Avalanche Method and will save you the most money in the long run. Most credit cards have interest rates of 20%, so carrying even a small balance can be extremely ex...
Published at Money After Graduation