The Working Millennial is an online platform providing resources and information for career development and employment news within the Greater Toronto Area
  

Can your bank account survive the summer?

Well that’s up to you.

Summer is here and the city is alive and moving! The sun is out, patio’s are open and there is no shortage of things you can do during a Toronto summer. The only question is, can you afford the plethora of activities your city has to offer? Of course!.. within moderation.

Like any good thing, too much can be damaging and that’s exactly my perspective on summer spending. If you’re a Torontonian like I am, you probably have spent the winter thinking about all the things you’ll get to do in the warm summer months. The question remains though..How do I survive summer without going broke?

The quick answer to that question is will power and determination, BUT for times when that fe...

So true story, this year I went a little wonky and didn’t set a budget for the holidays. Call it forgetful or just being too excited not to be stuck to a wedding budget, but I went full on Santa Claus and Martha Stewart this Christmas. Between the gifts, potlucks and holiday party’s I did the most. The bigger joke is that I did this all while quietly convincing myself that I wasn’t doing that much damage. 

Fast forward to December 31st when it was time to do my budgeting and face the damage.It was at this point that if our credit card statements could have jumped out the screen and slapped me, my inner finance knowledge would have fixed its lips, shook its head and said “mhmmm GOOD FOR YOU.” It seriously sucked to look at what was done....

December 5, 2018

IT'S THE MOST WONDERFUL TIME OF THE YEAR……

*Record scratch*.....and the most expensive.

With the holidays fast approaching, whether you participate or you don’t, Christmas time is arguably the most expensive time of year. Mom, dad, your new boo and even your sister all need presents and lets be real…nothing is cheap anymore.

So after a brief hiatus I’m back and I feel inclined more then ever to help you build and maintain your budget. After having one of the most expensive years of my life, I’m coming out on the other end unscathed and ready to share. Weddings aren’t cheap, honeymoon’s definitely aren’t cheap either and rent and hydro bills don’t stop because you decide to throw the MOST expensive party ever.

I could not have done all of t...

I want to talk about that evil four letter word that sinks stomachs everywhere.

The thing that elicits perpetual discomfort and anxiety out of almost everyone.

You know that thing that sits at the back of your mind. 

The thing you’re reminded of every time you swipe your debit or credit card.

You know exactly what I’m talking about. 

DEBT.

Wait don’t click out yet.

We can get through this. Together.

If you haven’t read my first blog here at The Working Millennial, I’ll give you time to catch up. 

Don’t worry I’ll wait. 

If you have, we can proceed.

Assuming you’ve followed through on lesson one and two, at this point you should know all your debts. As scary as that is at least its done. 

Self-evaluate 

Pick the category that fits you best below, do...

Taxes.

Now this is something that stumped me. How did they not teach this in school? This information is actually something I would use in my adult

life.

So what did I do? How did I file?

Well like most teens do, I asked my parents. Not long after that we were on our way to H&R Block. For five years. While the tax

representative that serviced me for all five of those years was kind to me, the first three times I was charged $40 and the last two was upward of $100. In the final year of doing my taxes with H&R block I received a letter from CRA asking for more information. Long story short one very long mix up and four phone calls later I felt taken advantage of. 

There’s a saying that goes “If you knew better, you’d d...

January 28, 2018

Twenty-five. 

Quarter century. 

Learning, living and figuring out one day at a time that ignorance is not in-fact bliss…especially when it comes to your money. I’ve thought long and hard about the three most important money lessons I’ve learned by twenty-five; and I’ve come here to share them with you.

The world is constantly changing. We don’t have the same opportunities our parents did.

Millennials. We’re forging our own paths, in different ways and trying times. The old ways aren’t working anymore. It’s time to be intentional with our choices, our money and our financial literacy. Knowledge is power, so let me share some of mine with you.

Lesson One: Face the music.

It’s time to look at the statement. Open up your app or web browser…whate...

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