Laurentian Bank of Canada has a new account called the Laurentian Bank High Interest Savings Account.  Here’s my Laurentian Bank High Interest Savings Account review.  I previously had an account with Laurentian Bank because of CDIC but when I didn’t need the account I closed … Read moreLaurentian Bank High Interest Savings Account Review The post Laurentian Bank High Interest Savings Account Review appeared first on Genymoney.ca.

Having bought a new car, for quite a hefty price tag, I am determined to earn back the value of the car over it’s lifetime! Since it was an EV, and I am able to claim part of my expenses as a tax deduction, I’m hoping that I will be able to recoup my upfrontContinue reading “EV Savings Tracker!”

If buying a house is on your goals list, I thought I would spend this email walking you through how I would coach someone to do it. For this exercise, we’ll assume that the person I’m guiding has no savings and is in a lot of debt. Of course, you may not be exactly like this person, but I hope that this will give you an idea of how to build financial stability before purchasing a home. […]

New to financial independence (FI or FIRE)? Are you steeped in financial independence, but confused about tax optimization? If so, this is the post for you. It’s not “comprehensive tax planning for FI” but rather an initial primer on some basic financial independence tax planning tactics. I believe the three tactics here are the most […]

February wasn’t such a great month: 1 – I caught the lurgy that’s been going around. It dragged on for over 2 weeks, not quite bad enough for me to be bed-ridden or take time off work but bad enough … Continue reading → The post February 2025 Savings, plus other updates appeared first on Quietly Saving.

Our family lives in plenty of luxury but people who really know our situation sees me as someone who’s fairly frugal. “Why do you sacrifice to save when you can afford more?” is a question my friends often ask me. It’s a pretty pointed question, but what they really want to know is how they can motivate themselves to save more since putting money away seems like such a chore. Do you see saving money […]

It shouldn’t cost $64 to change a lightbulb. Yet that was the quote they gave me when I took my 10-year-old Volkswagen Golf to the dealership for service. Along with another $4,824.56 in repairs of varying urgency. I met this estimate with cool and queenly disdain, declined the repairs, and left with an oil change on the house. (They knew what they did) Because I know I can get my car repaired for cheaper! Like… way cheaper! All it requires is a little time, elbow grease, and good sense. What some dealerships and mechanics charge for car repairs is, frankly, obscene. But it doesn’t have to be that way. Today I’m going to talk about my recent experience with the service department of a car dealership and explain, step by step, how I went on to pay significantly less for car repairs outside the dealership… and how you can too. Gird you loins, people. It’s about to get reeeeeeal fuckin’ spiteful up in here. [embed]https://youtube.com/watch?v=UhjcoBVij2I&feature=oembed[/embed] The expensive world of car dealership service departments My car very helpfully tells me when various lightbulbs are out… and it won’t stop telling me until they’re replaced. Car: “Ding! One of the two little bulbs above your license plate is out!” Me: “Thanks, I’ll take care of that later.” Car: “Ding! That bulb is still out!” Me: “Yeah I know. But as the other bulb is still lit, and my plate is fully visible, I don’t consider this an urgent problem.” Car: “Ding! The bulb! The bulb is burned out!!!!” Me: “Heard. Now please stop dinging at me every 15 minutes.” Car: “Ding! No can do, Bitch! Turning off my little dinging reminders is proprietary corporate information you won’t find anywhere in the manual! My whole purpose is to annoy you into spending money!” Me: “I’m driving off this cliff now.” So that was fun. Because I had two other minor, parts-related repairs, I scheduled service at my local VW dealership. With foreign-made cars (i.e., German, Japanese, or Korean), sometimes it can take a long time to ship spare parts to a mechanic. But a dealership typically has these parts on hand. So I figured, why not see if the parts were in stock and the fixes would be quick and easy? I’d forgotten that in the 3-way Venn diagram of Good, Fast, and Cheap, you may only choose two options. The dealership tax Dropping my car off with the dealership was easy! They were so nice! They even paid Lyft to take me home while I waited. And they definitely had all the parts I needed on hand! All of which was meant to lull me into a false sense of security so they could ROB ME BLIND. Car dealerships make a significant profit margin through their service departments. They’re not just

Gaining control of your finances starts with one critical habit: learning how to track your spending. If you don’t know where your money is going, how can you make informed decisions about saving, budgeting, or cutting back? The answer is “You can’t”. Without a clear understanding of your financial situation, it’s easy to fall into patterns of overspending and financial stress. I know that tracking your spending might seem tedious at first, but it’s one of […]