KATE & VAL'S BLOG

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How a Young Immigrant Couple Used Credit to Build Their Financial Freedom

Many people out there are against the use of credit. They say that it's an evil tool that brings people to devastating loads of debt.

We don’t agree at all with them; the credits are not the problem. The problem is that nobody taught us how to use credit and all the sellers out there take advantage of this lack of knowledge.  

We are Kate and Val, and we both immigrated to Canada with a couple of dollars in our pockets. Kate is originally from Chile, and Val is from Ukraine. We both come from blue-collar families where money was the killer of all our dreams. We couldn’t have the latest toys, and most of the time we were stopped to dream big because we didn’t have the money to make those dreams come true.

When we met, we were both working and studying. Money and time were very tight, so our first date was to the supermarket… and you know what? It was super romantic! For years we struggled with the extremely low income we were able to make.  

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6 MONEY MISTAKES COUPLES MAKE

We all make mistakes in our lives, and we make them for different reasons like lack of knowledge or lack of resources. But the main reason is being scared… scared of facing the ugly truth.

We are so scared of looking at our finances that we start avoiding it and making a bunch of bad decisions. 

These bad decisions will turn into big mistakes and sooner or later it will affect the loving relationship you have with your partner. And if you do nothing to repair it... All the trust, respect, commitment and LOVE will disappear.

                             

We don’t want it to happen to you! So pay attention to these 6 money mistakes that you have to avoid

  1. Keeping Secrets, or even worst… lying! about your spendings.

    Honesty is the key to a loving relationship. And if you really can’t control your compulsive spendings, say it!! Talk about it with your partner so together you...
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WHAT'S A MONEY DATE?

 

You might hear us talking about having money dates, but what exactly does it mean?

Basically, a money date is the time of the month in where you plan and get ready for the next month’s expenses.

Some bills are the same every month, but there are a lot of variable expenses like birthdays, weddings, Christmas and some less fun like taxes.

Some months you will spend very little and some others you will spend a lot. So you have to get ready… how? Having a monthly money date to go through all the expenses and incomes you will be generating the upcoming month. So we avoid surprises!!

We know, money is already a complicated topic and you don’t want to have a big fight every month…

                             

So this is what we do!! We make it a real date, we prepare special food, we drink something special too, and we dress nice.

You don’t have to spend extra money on it,...

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HOW TO STOP FIGHTING OVER MONEY?

 

 

Let’s be real, when you had a hard day at work and came home tired and hungry the last thing you want to talk about is Debt, Bills, Money… you just want to turn on the TV and relax.

But let me tell you, sooner or later you will have to have the “talk,” and I can promise you, it will not end up very nicely.

Well, what would you say if we tell you that you can talk about money without fighting? Yes, it is possible... we talk about money every single day, and in our many years together we have never fight. Yes, we have disagreements, and it is not easy to keep it cool when you are overwhelmed with bills to pay, a job you hate, and kids screaming in the background all the time.

The key to stopping fighting is to have a firm purpose, a unified goal… so every conversation and decision will be towards that goal.

Here are 3 steps to set your minds to a common goal:

1. SHARE YOUR DREAMS.

Imagine money would not be the problem, what would you...

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Take Control of Your Money and Live The Life You Dream

That day when you say I DO is the start of your dream life. And then the family grows and your life is complete.

The family you dreamed!!!

You got that beautiful home, that modern furniture, that nice comfortable car.
You did it! you built the life you dreamed of together.

But why you don’t feel happy, calm and fulfilled?
Why did those lovely good night hugs turn into fights?

Is the debt overload affecting your happiness?

 

The mortgage, car loan, student loan, and good education for your kids are keeping you awake at night?…. Is this the life you want to live?

Always worried, scared, tired, frustrated and hopeless. And let your love fall apart because debt has turned you into the worst version of yourself.

 

Don’t let this happen.

You can take control of your life right now!
The only thing you need is to take action and commit to fixing it yourself.

Don’t rely on someone else to fix your life. You can learn how to handle your own money, create your...

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