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Toonie Newsletter

Different personal finance thoughts for everyone, but occasionally specifically for Canadians.

toonie.substack.comSource feed ↗10 episodes

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Do You Have Everything to File Your Taxes?

The list of required documents to file your tax return seems to get longer and longer each year.

How I Use a Line of Credit to Unlock Deferred Income

It’s Friday friends!

Understanding the Difference Between Deferred and Current Income

Having a combination of deferred and current income is healthy, but you can only live to your current income.

Yes, You Can Save Too Much Money

Though you need to save a good chunk each month to retire one day, I think most people can achieve the savings target. And then some.

You Don't Need 6,500% Returns on GameStop to Reach Your Goals

I genuinely recommend staying away from the short-squeeze circus on GameStop.

How I Budget to Meet My Personal Net Worth Goals

By including all your incomes and understanding how to trim your expenses in the right spots, you can quickly meet your personal net worth goals each year.

What I Include in My Personal Net Worth

By including the right things in your personal balance sheet, you'll be better able to budget your savings and spending.

The Two Pieces of My Annual Financial Plan

When using a budget in tandem with a personal net worth statement, you can unlock a new level of power in your annual financial plan.

A Merry Christmas Letter

It has been an incredible year. 2021 is just around the corner.

Cutting Back Just a Few Subscriptions Can Save You a Bunch of Money Each Year

Before you know it, you'll have saved an extra mortgage payment or two. Or have enough to splurge on a hot vacation in the winter.