We have heard a lot about the American Dream so much that it's part of the United States' identity. And lately, we have heard that the American Dream now is turning into the Canadian Dream.


But, what the American Dream is? If you google it, there are certainly many different definitions of the American Dream. How people define it depends on their own set of beliefs and experiences. So before we give you a definition, we want to hear from you. How would YOU describe your own American or Canadian Dream?. Let us know in the comments. 


So let's start with a little bit of history here: 


In 1931, historian James Truslow Adams first publicly defined the American Dream. In his book "Epic of America" he referred to the American Dream as "the dream of a land in which life should be better and richer and fuller for everyone, with opportunity for each according to ability or achievement."


And lately, people are referring to the Canadian Dream as the new...

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If you are trying to make any improvement in your life, you certainly have received many "pieces of advice" from friends, family and even from random people you don't know.  And yes, most of those opinions are not helpful at all and you didn’t even ask for them. Let me know in the comments if you received those annoying advice.


So how can you listen to those opinions without getting off your track or getting all defensive? 


This is what we have figured out:

Most people's opinions come from a place of fear

Yes, people have their own issues, their own experiences, their own set of beliefs and most of the advice you will get comes from mainly two fears. The fear that something terrible can happen to you. Or the fear of realizing that they were wrong.


Let me give you some examples.

My parents have always shared their opinions with me, and most of their thoughts are about what if… what if something bad happens to you? What if you lose all your...

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Do you want to know how credit cards helped us to reach our financial freedom in a new country? 

I know. Credit cards are scary because of their relationship to debt. But actually, using credit cards can be very beneficial if you want to establish a solid foundation in your new country. Why? Because credit cards help you create a financial history so in the future you can buy your dream home, start a business, etc.

And if you are like us and immigrated to this country in your mid 20s, 30s, or more… you really need to create an excellent credit history fast so you can build that dreamed life you have in mind before you get too old and tired to achieve it. 

Your credit history will show the bank if you are responsible enough to commit to a big debt like a mortgage… they will check your level of debt, if you pay it consistently, if you carry a balance every month, etc. So with this information, they will define how risky you are for them. If you have too much...

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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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