Fabz stories

A lot of people think that everything will be awesome when they retire, without getting ready for it. It will just be magic. We live in debts, from paycheck to paycheck, without thinking that we could lose our job one day or have a huge emergency. We build our world on credit cards and “no payments for a year” to get things we can’t really afford, we have 78 monthly payments and we go through our pay like hot water thrown on stove. We say to ourselves, it’s ok, you only live once! Right? I’ve realized that being financially healthy doesn’t happen by luck,

Plusieurs personnes pensent que lorsqu’ils seront à la retraite, la vie sera meilleure de façon magique; sans vraiment prendre le temps de s’y préparer. On vit dans la dette, de paies en paies, sans jamais se soucier qu’un jour, nous pourrions perdre notre emploi ou avoir une grosse urgence. On se fie sur les cartes de crédits et sur les « ne payez pas avant   un an » pour obtenir des choses hors de nos moyens, on a 78 paiements mensuels et on passe au travers de notre argent comme un verre d’eau. Après tout, on ne vit qu’une fois n’est-ce pas?   J’ai réalisé récemment que la santé financière ne s’obtient pas par chance,

So 2013 has passed, and I’m sure that holding on to your resolution list was hard, some even forgot about it.  I was debating if I wanted to even make a list this year since we rarely accomplish it. But 2013 has been a tough year and I’ve had to make some difficult choices. I want to carry on with these decisions and make sure that my life only gets better in all aspects from now on. So here there are! My resolutions for 2014. I don’t have a lot but they are big ones.

After being married 3 years, I have to say it hasn't turned out to be what I imagined it would be. I wonder if young people today are really prepared to share their lives with a person forever. Us girls dream of marriage as a romantic comedy but after the big day, we are hit with a big dose of reality. Here’s what it was for me and how my Cinderella syndrome was shattered. My husband and I had a really rough start. I often felt like our life was a tv drama. We met at his church, where I was helping with their Christmas presentation.

5 Questions to Ask Before Buying a Gift What’s your plan when you head out to go Christmas shopping?Do you sit down with your husband or wife and make a detailed Christmas budget ? Or do you just wing it?Once you have your Christmas budget, how can you make sure you stay within your means? How can you make sure you aren’t dealing with a Christmas debt hangover come January?You need a plan for your holiday shopping. To create that plan,

Plusieurs d’entre vous m’ont dit que vous avez aimé l’article sur gérer l’argent et le budget. Je dois dire que Dave Ramsay et son livre « Total Money makeover » a vraiment changé ma perception de l’argent. J’ai réalisé que l’argent devait travailler pour moi et pas le contraire. Dave Ramsay dit souvent : « Il faut vivre comme personne d’autre pour pouvoir vivre comme personne d’autre plus tard. » Il faut se priver maintenant pour être libre financièrement et vivre sans les fardeaux du stress financier. Je vais publier plus d’articles de lui, n’hésitez pas à commenter ou poser des questions! 1 er pas 1000$ pour commencer un fond d’urgence Le fond d’urgence est pour ces « badtrip » qu’on ne pouvait prévoir : perte d’emploi, grossesse imprévue,

A lot of you were telling me you liked the post on money and budgeting. I have to say that reading Dave Ramsay’s book   “Total money makeover” really changed my way of thinking about money. I realized I could make money work for me by taking simple but hard decisions at the same time. Dave Ramsay likes to repeat:   “live like no one else now so you can live like no one else later”. You have to decide to say no to things you would like now so you can have them later when you can really afford them. I will be posting more posts from him in the future, comment and don’t hesitate to write to me if you have questions! Baby Step 1 $1,000 Emergency Fund An emergency fund is for those unexpected events in life that you can’t plan for: the loss of a job, an unexpected pregnancy,