Quote (Secksii @ Dec 11 2020 06:49pm)
no debt, just saving, actually we are shopping for a house since mortgage rates are extremely low atm.
i work for CN, which is an essential service to the country, so i worked throughout the pandemic/full on shutdown. It wasn't bad though, since i bid for a job that is on call cuz i knew it'd be slow and just collect the full guarantee working once or twice a month, instead of the usual 5 times a week for slightly more pay. My wife is a dental hygienist, so she had few months off work and just collected CERB from the government. We already paid off our 1bedroom apartment, so no mortgage/rent to pay, other than the strata fee/utility bills which are low. She bought a kia forte, so no car payments. I lease cuz i like to switch up my rides every few years, and not pay for the car maintenance fees, so i justify leasing on 0% or ~1% interest for my personal reason. We both used credit cards as soon as we were able to since high school dayz, so that we could build up our credit early on, and pretty much used it like a debit card (spend what we only had, never more) except reap the awesome benefits from the card such as 2%+ cashback, travel insurance etc.
We never liked the idea of loans/borrowing money we don't have, nor the idea of living paycheck to paycheck. With exception of mortgage cuz Vancouver is a fucked up housing market, and getting a mortgage is sometimes cheaper to pay off monthly than renting & helping someone else with their mortgage lol. Plus we get the property as investment, whereas rent you get nada.
just put it all on black