You may see this saying scattered throughout my posts. I am referring to the years 2007 to about mid 2012. These were the times when I made a lot of really unwise financial choices. Especially in 2010. If I could have that one year back, I would make some very different financial decisions. I also want to point out the I am strictly referring to the financial aspect of my life, as I had some other pretty big life events during these years, which were pretty awesome.
What turned it around for me in 2011 you ask? Well I was actually laid off from my job in mid 2011, and something happened, no, actually nothing happened. I was collecting my generous EI check every 2 weeks for a period of about 6 months, and we seemed to still be getting along ok financially. My wife was still working of course, and she was still making her RRSP contributions. I was still making my RRSP contributions (you should have seen the look on the bank reps face when he saw this) as well. All this lead me to ask…where the hell does my money go when I’m working? I didn’t really seem to have more money left over from my work cheques, and it quite a difference between my monthly work net and my EI net amount. I found work again in spring 2012 and I started to really clamp down and watch my dollars, it was also about this time I started reading personal finance blogs, which shed further light to help me out of the darkness and emerge as The Fake Cheap.