Credit Score

Credit Score

Many personal financial bloggers talk about the importance of a good credit score. And usually everything they say is true.

But what if you don’t currently need your good credit?

Why I didn’t need my credit score to be high

In 2014 I got divorced, and luckily I didn’t have any debt and left the marriage with my investments in-tact. Plus I had a large chunk of money from the marital home sale.

So in September I bought a house, had no other debt, good investments plus cash savings and three good credit cards.

So I was in a rare position where I wouldn’t need access to new credit for probably 5 years.

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Track your Savings Rate

Track your Savings Rate

So I read a lot of personal finance blogs, and apparently all the rage these days is comparing penis size…. oups, I mean personal savings rates 😉 lol

So since we are all copy-cats and no one wants to be left out in the cold I figured I had a duty to calculate and track my savings rate.

That being said, this topic doesn’t really interest me, so if you want to actually read a decent article about it check out the following article Why Should You Track Your Savings Rate?

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Secret to loving winter

Secret to loving winter

I know what you are thinking, isn’t winter over? Well it kind of is, that being said I saw some little flurries this morning :(

Being Canadian I get a lot of winter, and surprisingly there are lots of Canadians (not me) who don’t like winter

I always ask them the same thing,… don’t you know the secret to winter?

What is the secret to loving winter?

Finding an outdoor winter activity that you love!

Snowboarding

Snowboarding

© John Lemieux - Flickr.com

For me personally, I love snowboarding. I try and get out at least once a week in the winter. I enjoy it so much that the first day in the fall when you can smell winter coming gets me very excited!

By finding an activity that you enjoy doing gives you something fun to do instead of sitting inside by the fire complaining about how cold it it.

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His Needs Her Needs Priority List

His Needs Her Needs Priority List

When my marriage was falling apart I tried to do almost everything to try and save it.

One of the things I did was read every book about marriage I could find, I probably read at least 10!

At the end of the day it was a fruitless exercise since my wife had no desire to work on things and just wanted out (she had other things that interested her at that point)

Regardless, I did learn a lot from those books and the effort I put in will probably help me in the long run. I came out of it with a much better understanding of my own needs, wants, strengths and weaknesses.

My Greatest Take Away

Of all the books I read and all the things I learned, the one that expanded my mind the most was probably Dr. Willard F. Harley, Jr.’s His Needs, Her Needs.

The way he explained how a couple’s core needs can be so different yet so valid and important really struck home with me since this was a huge issue in my marriage.

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50 Things By 50

50 Things By 50

While making my earlier list of #40ThingsBy40 I thought of a bunch of things that I doubted would get accomplish in the next 6 years. So I decided to make a second list. This list would contain 50 things by 50!

My List

I’ve separated my list into sections to make it easier to read. Some of these goals are going to be really easy to reach, like surfing, since I’m going visiting Auntie Dani in Vancouver with the Kids. Others will be much harder to reach in the allotted time, like the $1,000,000 net worth goal.

Wish me luck!

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