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The Financial Graduate

Financial Insights for the Real World

Baby chick running
Insights for the "Real World"

Am I Cheap or Frugal?

by JJ /

Since high school I’ve been a diligent saver. Like a squirrel socking away her acorns for a brutal Canadian winter, I stash my hard earned dollars in case of emergency! Although I come from a middle class family, have consistently had a roof over my…

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Get Fit for Free
Insights for the "Real World"

How to Get Fit for Free

by JJ /

You don’t need a personal trainer or a gym membership to get fit. You don’t need a new wardrobe from lulu lemon, a Fit Bit or a fancy fanny pack to carry your water bottles. In fact, you don’t need to spend any money to…

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Insights for the "Real World"

Why I Will Never Buy a New Car

by JJ /

I recently sold my 2002 Volkswagen Passat. I didn’t want to do it. The car was in great shape for her age (my car was a lady) and she was a smooth ride. Although my car had been very well maintained she was pushing 300,000km…

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paper heart
Insights for the "Real World"

A Valentine’s Poem From a Frugal Female

by JJ /

  This Valentine’s Day please save your money, I don’t need a present to prove you’re my honey. I don’t care about flowers or chocolate or rings, I’m all about experiences and memories, not things.

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Lawn mower
Insights for the "Real World"

How to Make Money as a Teenager

by JJ /

The year was 1996. I was 11 and I wanted a job. So, I picked up the phone book and started flipping through the yellow pages to find a suitable employer. What’s that you say….a phone book??? Yes, this was back in the old days….

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yellow wall and person
Insights for the "Real World"

19 Principles That Will Help You Succeed in the “Real World”

by JJ /

Okay, so here is a list of 19 principles that I have accumulated over the years. These are things that I wish someone would have shared with me when I was ready to graduate high school and enter the “real world.”

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light bulb
Insights for the "Real World"

Do You Have a Fear of Failure? How to Overcome Fear and Turn Failure into Success

by JJ /

My whole life I’ve had a fear of failure. It has paralyzed me, caused me to procrastinate and sit on the side lines. Years ago a friend asked me if I would sub in on a game of ultimate frisbee. It was a coed team…

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