Howdy Babes! We hope that you are surviving quarantine and all the ‘delightful’ parts that come with it. Us babes have to stick together to survive this hard time and push through all the economical problems that will shockwave after. Don’t fear babes, there’s always a solution or help that can be found in a problem. We are working hard at the Budget Babes headquarters to keep the gears turning, and the content churning. Right now we’re hoping to release a new episode that related directly to Canadians and the COVID-19 virus in true self-isolating fashion; through the internet. Seeing we Erin and I cannot SEE each other, we needed to make a quick plan to ensure content was still coming out. We took a little time to adjust to the hard parts of quarantine and getting life set up for isolation, but now, we’re ready to talk! This episode is an oldie, but a goodie. Today we are chatting with Leila’s mom about her tea addition (LOL) and how she kicked her overpriced habit! We discuss the numbers and how to actually help your coffee/tea habit with some legitimate advice to reduce the spending without removing the vice. Here are the numbers we used for all our calculations: $3.50 – STARBS $7.90 – $0.79 a CUP $10.98/Bag STARBS – $0.31/cup $16.97/Tin – $0.16 cents a cup One good thing about isolation: the coffee is cheaper!

Welcome to Budget Babes episode about Tax Season in Canada! Today we are exploring the in’s and out’s of tax season. In addition to what you can do (as a Canadian) to reduce the amount of tax or owe, or even maximize your refund! KEEP IN MIND, WE ARE NOT TAX PROFESSIONALS! Where is my tax season money actually going? However, we are hoping to arm you with some tips and tricks for your tax claim this year. We are determined to get the best refund. Tax Season in Canada is sometimes stressful, but we want to make it fun! Currently, you can use graduate retention (province dependant), moving expenses, unclaimed student amounts, and even depreciating assets! As a result, we made a list of what we do for tax season to help you get the best refund. Check here to find out what tax bracket you’re in and check out TurboTax or SimpleTax to make it easier. For some more tips and tricks (and to calculate your taxes throughout the year) check out Neuvoo! In addition, if you’re making more money you can calculate how much taxes you will have to pay in the upcoming season! Welcome to the Tax Season in Canada! Keep in mind, if you do end up owing, the best way to reduce the amount to owe is adding contributing your RRSP (Register Retirement Savings Plan) before March 1st. This way you can pull the money out when you are making less money (aka in a smaller tax bracket). Additionally, check out IF you’re wondering where your tax money is going check out revenue Canada’s website with delightful images with the breakup of tax revenue. Right now it is broken up as follows: major transfers to persons: 29.2%major transfers to other levels of government: 22.1%public debt charges: 7.7%operating expenses of departments and agencies (excluding National Defence): 16.7%National Defence: 8.2%consolidated Crown corporations: 2.7%other transfer payments: 13.4% If you like our content check out the rest of our Podcasts Here!

Hello Budget Babes! Erin and Leila back at it with another installment of the Budget Babes Podcast regarding remote work in Canada and today we are interviewing Josh from iTalki regarding his experience the Pros and Cons. Josh is living in Vancouver Canada and works remotely at his home office teaching ESL (English as a Second Language). Arguably, this is tough work although Josh has the right talent for the job being a recent graduate from UBC’s Linguistics department. Thanks RemoteHub for the awesome Image We decided to call up Josh because of his experience working from home in the bustling metropolis of Vancouver. He has lived in Vancouver for over 4 years and has seen an increase in the cost of living and ridiculous commute times. With this experience, Josh thoroughly discusses the pros and cons of remote work as an ESL teacher. Josh explains how working from home has changed the amount he spends on ‘going to work’ and how much he saves. However, it’s not all sugar and roses, there are of course certain characteristics you must have to work from home. Thankfully, both Erin and I live in Saskatchewan where there are short commute times and resources are cheap! Thank you WanderDolls for the image! All in all, after our conversation with Josh, we believe that working from home can be a great way to work both economically and mentally. Be prepared to work hard if you are to work from home! Depending on your industry and job, working from home can alleviate stress and work time by allowing your disciplined self to work steadily without burning out in the office. Keep in mind, allowing employees to work from home can also save companies money by reducing the need for expensive office space. Listen HERE when you’re ready to learn! Keep tuned for more episodes of the Budget Babes coming in the near future! Next, we are going to tackle coffee and what it really means to buy it and yet another Millennial Moment!

Welcome to the first segment of Millennial Moments podcast. We are chatting today about moments for yourself and reflecting financially, emotionally, and physically. Today we asked you via Instagram “what is your guilty spending pleasure” and waited for responses from our listeners. Because of the amazing responses, we decided to make a 10 minute segment that share what we learned. As a result, we developed this mini-series called “Millennial Moments” to give you a moment learn simultaneously! IF you want to get in on our next Millennial Money segment please send us responses to our Instagram or Facebook at BudgetBabes_SK or facebook.com/BudgetBabes. Erin and I put a story out that will ask a question about how you feel about money and we pick which answers (or combine most popular responses) and talk about them live. When you’re avoiding taking responsibility for buying your third Timmies of the day Above all, we hope that these updates will help our listeners not feel alone! Therefore, we hope you enjoy listening and comment on our next millennial moment when we have it up. UP AND COMING Our next episode – the infamous number 10 – we will be joined by a guest! Our additional person is Skyping in from Vancouver for a short segment related to working from home. Evidently, Erin and I have different experiences working the ‘9-5’ and gradients of working from home. Erin is currently able to work flexibly, and I am at an office from 8:30 – 5. However, our guest is completely working form home on his own schedule! Tune in next episode to hear his take on working from home. IF you are looking for more, check out our other podcasts! We are looking to update listeners more frequently and add an official podcast schedule. Currently, we are aiming to send out 2 Podcasts and Month and only add more from there! We are looking forward to our next episode and will continue to budget hard!

Today we are reviewing popular financial advice we found (rather spur of the moment) online via Pinterest. Unfortunately we had a hard time finding only Canadian financial advice, so we looked to our neighbors to the south…USA. We know there’s a lot of information out there and hope you are able to make the right choices and take everything you read/hear with a grain of salt! We are reviewing some info-graphics and put forth our critiques that will hopefully help you make the right choices. We will be linking information about our ‘finds’ on our Instagram and Facebook. Hopefully our Canadian financial advice will help you on your money journey! Until next time ~ Keep fit and Have Fun! Budget Babes LINKS THANKSTIPS: http://budgetbabes.ca/wp/thankstips/ Pinterest: https://www.pinterest.ca/search/pins/?q=Financial%20Advice&rs=typed&term_meta[]=Financial%7Ctyped&term_meta[]=Advice%7Ctyped SWEET SITE: DOPEDOLLAR.COM

Hello Budget Babes! We are back answering a question that has plagued our generation: how to get a mortgage effectively! Granted, it’s incredibly complicated in places where houses prices are averaging $500,000; however, that makes these tips that much more important! Make sure to look into your financial store and take note of some of our tips to help you on your way to financial freedom and security in one of the biggest purchases of our lifetime! Links: Canadian Mortgage Calculator: https://www.ratehub.ca/mortgage-payment-calculator American Mortgage Calculator: https://www.mortgagecalculator.org/ Credit Karma: https://www.creditkarma.ca/

Howdy Babes! Today’s episode is focused on good eating and how to keep it up when the seasons change. This can be difficult in Canada as we have many seasons and food prices fluctuate. As budgeting fans we take care in making sure we are purchasing food in season to boost our wallets and our nutrition! Take a look on this food guide to find out what is in season!

We are finally getting our buns in gear and launching our Podcast + Video on Youtube for all you fine viewers! In today’s episode, we are tackling the rudimentary forms of budgeting and how to stop ‘leaking’ in your bank accounts. We go through some tips and tricks – even personal tracking tools! We’re also speaking from a Canadian perspective which may change a few things regarding app availability. Links: Mint: https://www.mint.com/ Credit Karma: https://www.creditkarma.ca Check out our equipment and toothpaste: Apagard (toothpaste) : https://amzn.to/2YMhTpn Our Microphone: https://amzn.to/2Y0NXbN Our Laptop: https://amzn.to/2Sgsx5i Our Website: Budgetbabes.ca Insta: budgetbabes_sk

Good Morrow Millenial Money Makers! Today we are chatting about how eating out can seriously damage your pocketbook and budget. We talk stats, make some real-world examples, and even challenge ourselves to only eat out TWICE in July. No worries babes – we will be updated you on our progress in Episode 5! STAY TUNED FOR MORE!

Today the Budget Babes are investigating what a good work/life balance looks like and what it actually looks like in society!