A Mortgage: The Largest Loan a Bank Will Give You, Without a Business Plan

For some people, the idea of a "mortgage" can be overwhelming and a little scary. If you are anything like I was in my twenties, my initial reaction to any talk of mortgages was simply "I don't get it and I will always be a renter in Toronto". I never thought I would own property…

Part 1: Let’s Talk about Debt, Baby

Freedom is defined by you!The life you want to live is yours to decide and control. Your goals are personal and specific to you. Everyone's idea of freedom is different, and that is okay. But it is very important that you define freedom to yourself and that you are taking the steps in life to…

Part 2: Let’s Talk about You and Me

By the summer of 2015 I had consolidated my debt to a lower interest Credit Line, and paid off my OSAP loan. My RBC Visa was still open and I still carried a balance on the card - usually around 5K but that amount was still slowly increasing as each month passed. I had been…