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How to Navigate the Broken Scholarship System
Earlier this year, ScholarshipsCanada, a site that aims to match post-secondary students with scholarships and bursaries, put out a statement claiming that millions of dollars worth of scholarship money goes unclaimed each year. They cited the main reason for this unclaimed money was that students simply didn’t apply. Other scholarship databases, like yconic, also face…
Warning! 6 Ways Companies Are Pushing Your Spending Buttons
It’s tempting to believe that we make independent decisions, free from outside influence. I’m a grown-ass woman, I’ll tell myself. Ain’t nobody tell me what to do!! But just how true is this? How autonomous am I, really? I’d argue not very, and I don’t blame myself. There are a lot of businesses and organizations…
Cost and Incentives of Canada's Carbon Tax
For many Canadians, there is no more heated topic at the moment than the carbon tax. While there has been much yelling and gnashing of teeth, the actual raw impact numbers have been difficult to come by. The National Post and Globe and Mail recently released their thoughts on the fully-costed numbers arrived at by…
Money Hacking Your Brain: Make Savings a Must-Win Game
For better or worse, I was a competitive young child. I wanted to get the best grades and be the president of absolutely everything. I was a real pain in the ass to play board games with, and at times resorted to yelling and/or tears. Since then, I’ve calmed down significantly, realizing that board games…
Mutual Funds, ETFs, and Robo Advisors in Canada: June 2018 Update
Despite the surge in popularity of robo advisors and cheaper ETF solutions (including Vanguard’s new “all-in-one” passive investing portfolios) Canadians are continuing to invest in the good old-fashioned mutual fund. Rob Carrick recently looked at the track record of the 100 biggest mutual funds in Canada with the help of Strategic Insight and Fundata. **Spoiler…
4 Pieces of Advice for My Freshly Graduated Self
It’s graduation season, which means that young adults are being released into the wild to either continue their studies at university or work in the “real world,” many for whom it will be the first time. For me, it’s a fun time to reflect back on my own life and appreciate how far I’ve come…
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If you are ready to EARN MORE, SAVE BETTER, and LIVE FREE, then you’re in the right spot!
Young and Thrifty has been named the Best Personal Finance Blog in Canada by our peers and we pride ourselves on breaking down confusing jargon into fun, bite-sized chunks. Young and Thrifty posts are basically what should have learned in high school - but didn’t! We have everything from tips on budgeting, to online banking hacks, discount brokerage reviews, and the Ultimate Guide to Canada’s Robo Advisors.
We have painstakingly created 1,000+ on all aspects of Canadian personal finance. Rather than rest on our laurels, we challenge ourselves to produce stay on top of new developments in Canada’s financial world from mortgage rates, to insurance policies, tax savings through new deductions, and investing strategies.
We focus on providing readers with actionable steps. Rather than simply writing “try a robo advisor”, we’ll instead provide full-product reviews on top robo advisors such as Wealthsimple, Nest Wealth, Justwealth, and ModernAdvisor. We also reveal the exact financial products that we use in areas such as online banking, discount brokerages, credit cards, and mortgage comparisons.