| Currency |
|---|
| Canada Dollar - CAD |
| Date Joined |
|---|
| 8/26/2023 |
| Salary Range |
|---|
| 20,000 - 29,999 |
| Occupation |
|---|
| Internet/Web/E-Commerce |
| Age Range |
|---|
| 35-39 |
| Cost Of Living |
|---|
| Very High Cost Of Living (VHCOL) |
| About Me |
|---|
| I'm pursuing financial independence living with a disability, eligible for Ontario Disability Support Program (ODSP) and other Candian disability benefits. |
| Why I Joined |
|---|
| To keep myself accountable as I become financially independent and transition off Ontario Disability Support Program (ODSP) and become millionaire. Very inspired by Dave Ramsey baby steps and proven results from hundres of families. |
| Best Financial Decision |
|---|
| Sticking with the Dave Ramsey 7 Baby Steps Plan and creating a zero-based budget. |
| Worst Financial Decision |
|---|
| Listening to broke people, or people who have an opinion about Ontario Disability Support Program or people who think you can only be wealthy from family money. |
| Current Investing Strategy |
|---|
* Understand all the financial limitations created by Ontario Disability Support Program
* Create and stick with a Zero Based Budget
* Keep debt at a Low or Zero balance.
* Save and invest Monthly
* Max out Investments (RDSP, RRSP, TFSA and FHSA)
*Invest in non-registered, taxable account |
| How do you manage your finances? |
|---|
Monthly I create a zero-based budget before the month begins.
Budget categories
* Business
* Housing
* Lifestyle
* Transportation
* Savings
* Investing
* Debt
I work with a certified financial planner who reviews the performance of my portfolio regularly.
I educated myself on the Canadian financial system, and understood I would need credit to enter into home ownership. |
| What tools do you use? |
|---|
I have multiple GoogleSheets (Budget, Net Worth Tracker, Commission Income Tracker)
I track my spending using the app Every Dollar, I file my taxes using TurboTax Full Service Self-Employed. |
| I need financial help with... |
|---|
Navigating financial stability and transition out of ODSP is something I do on my own, but I've recently interviewed financial coaches I think one can help guide me through the process.
Too many people who don't live with a disability have no idea what it means to live low income and still be expected to be financially self-sufficient. |
| Favorite Authors |
|---|
| Suze Orman, David Bach, Gail Vaz Oxlade, Dave Ramsey, Ramit Sethi. Brain and Preston - Money Guy Show, Brand Bruchard Growth Day Masterclass |
| Favorite Books |
|---|
| Everything Gail Vaz Oxlade, and Dave Ramsey, You are a badass series. and more. |
| Favorite Movies |
|---|
| TV Series, Nip/Tuck, Grimm, Lucifer, and there is more. I read and watch tv. |
| Website |
|---|
| https://www.youtube.com/@MinnieOnCam |
| Last Login |
|---|
| 8/31/2024 |
| Budget |
|---|
| This user has not created a budget |