Tia Things

 Hey gems! I am back with a bit more detail on how we budgeted and paid for a 300 person wedding (A BIG ITALIAN ONE LOL). I get asked often how we managed and there are a few key items to note! 1. Research: I knew what florist, photographer, etc. I wanted but we still sent out emails and did some research with a variety of options in order to understand budget ranges, offering, etc. This meant we were able to at a minimum create a budget with ranges and desired spend on each vendor. This was key to having a starting point to work off of.  2. Prioritize: Once the research was completed, we sat down to review the tasks to do, vendor options, etc. and assigned a priority to each. Those with higher priority meant we were open to spending a bit more, versus lower priority meant using the least budget possible because to us they just were of lesser importance.  3. Overshoot: When creating your budget, always round tot he higher end of the budget. For example, if a vendor is cha...

 Hey gems,  Since we bought our house I've been getting tones of questions about how we did that at the ages of 24 & 25. I was raised to talk about money and savings openly, to ask all the questions and learn. So here are some of my biggest tips for all of you saving for either a home, large investment, or simply growing your saving account.  1. Know your accounts and what they are for:  Depending on where you live some of these may vary, but TFSA is a key for all round adults and of course saves you from being taxed. This is my #1 priority to fill every year and from there I go to my second savings such as RRSP and others. RRSP is a huge priority for me as I have no pension at my job, those who do, may not feel the need to invest this way, but it is essentially saving for the long haul. Every day checking accounts for me are my spending money, I move anything needed away from them because knowing me- it won't be there long! 2. Auto transfers : Automatic transfer...