Our Financial Path.

Live a Better Life with Knowledge and Financial Independence

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Happy and Saving

When I was a child, my mom always used to tell me to go play outside. I went outside, picked up a stick in the woods, and could play for hours with my friends and our newly found treasure!

Now, as an adult, I notice that having fun has, somehow, become much more expensive. All my friends buy stuff to have fun.
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Dude, Where’s my Returns?

In recent years, bond yields have gone from the Good, the Bad, and the Ugly. In most of Europe and Japan, negative yields have been introduced and bonds are now in an unforeseen territory. There is now over $11.7 TRILLION dollars worth of bonds with negative yields out there and, surprisingly, there is always buyers for them.

To get this straight, you would now need to pay someone to lend them your money.
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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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Interview with Gwen from Fiery Millennials

Today we have an interview with Gwen from Fiery Millennials. This is the first time we made an interview but we’re hoping you learn a little from it and enjoy it as much as we did.

 

Who are you and what do you do? What is your story? Where did you start, where in the journey are you, and where do you ultimately want to end up?


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Maximize Home and Happiness

In some cities across America and in most of Canada, our generation is having a really hard time finding affordable housing. Rents have gone up faster than wages and housing prices have risen even faster with the advent of low-interest rates and the overflow of foreign buyers. In Canada, for example, the average house price has not dropped in the housing crash that the U.S.
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How To Invest In Uncertain Times?

This post comes from Jon, who blogs over at PennyThots. There he talks about all things financial and tries to help readers improve their finances one day at a time.

 

We have never been in a period of more uncertainty. We just experienced an election where the result surprised most people. Had you told someone two years ago that Donald Trump would be President, they would have thought you were crazy.
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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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Should I Change My Asset Allocation?

Today I have been reading a bit on approaches Financial Planners are taking when advising their clients. I was surprised to learn that most planners are now advising to shift investment strategies towards U.S. equities and bonds have deeply fallen out of favor. In the chart below, you will notice how U.S. equities recently saw a large influx of cash after the elections.
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Open Book – How Much Are You Spending?

This is part of our Open Book series, you can start here if you did not read our first post.

 

With today’s online tools like Mint or Personal Capital, it is super simple to track a budget and hopefully, to follow it. We have been tracking our finances for a few years now and our most recent focus is our savings rate.
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Travelling Through South-East Asia on a Budget

Way back in 2009, before I had met my wife and way before I discovered the early retirement concept, my parents took us (me and my sisters) to a long trip in South-East Asia. During this trip, we travelled through Japan, Thailand, Cambodia, Myanmar, and Laos, flying through continents, walking trough borders, and backpacking across mountain ranges. Travelling there and meeting the locals and ex-pats really opened my eyes to what I would later label as; Financial Independence.
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