Our Financial Path.

Live a Better Life with Knowledge and Financial Independence

Category: Credit Cards

Travelling the world, priceless

In the year of 2016, we optimized our spending and coordinated multiple credit card applications to maximize our travel rewards. Over the year, we applied for multiple TD cards, each a CIBC card, multiple American Express cards (including two Starwood Preferred Guest cards to stay at hotels for free), and an MBNA Alaska Airline card each. (Using these affiliate links will give you a bigger welcome bonus or cash back.
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We Only Spent $2,359 on our Honeymoon

Last September, we got married and waited until the winter to go off on our honeymoon. After much consideration, we decided to escape the snow in Mexico. All through our trip, we have kept a tab and tracked our expenses to share with you guys. To make it easier for everyone, prices have been roughly converted CAD to USD at 1.3, CAD to MXN at 15, and USD to MXN at 20.
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Travelling Through Italy Frugally

In July 2015, we travelled to Italy for a conference held in Turin. Fortunately, Mrs. Xyz travelled for free since it was for her work so we only had to pay for my ticket.

We usually use our business travels as an opportunity to extend our stay and cut vacation expenses. This time around, we extended a 5-day business trip to Turin into an 11-day trek around northern Italy!
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The Secure Way to Bank Online

As I already said time and again, tracking your finances is the number one step to financial freedom. Once you know where all your money is going, you can then start cutting down your spending and increasing your savings. Using free tools like Personal Capital allows you to not only track your banking but all your investment accounts too. That’s where it gets interesting!
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My First Step to Financial Freedom

If you are like me and you want to achieve financial independence, you need to know where your money is going and you need to know how you are investing your hard earned dollars. I suggest you use the best online tool available today and sign-up for free with Personal Capital. Their free tools aggregate all your accounts in one spot and will help you optimize your spending and investing.
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How to Become Debt-Free within a Year?

 

For the average american, debt is normal, debt is good; debt is a way of life.

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That is not the way of life I desire and I chose to not live with any outstanding debt except for my mortgage. If you currently have issues with your personal finances and have student debt, unpaid credit cards, or outstanding loans; you are at the right place to take the step towards a better future.
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