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Million Dollar Journey
Frugality, Investing
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Net worth:
St. John's, Newfoundland, Canada
Life stage:
SIK (Single Income, Kids)
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Latest Blog Posts

In the Summer of 2017, the Canadian government dropped a tax bomb on Canadian small business owners with changes to how they are able to split their income.  While they had some vague guidelines, they did not have concrete rules to wrap our heads around.  All we had was speculation.  However, they have recently provided […]Related Posts:Strategies to Reduce the Damaging Changes to Private…Reduce your Taxes – Income Splitting StrategiesEarly ...
Posted: Feb 12 2018 @ 8:30 AM
This post was originally written in 2016, but with new free products (see Borrowell below), and a friend asking about how to obtain credit scores, I thought there was value in updating this post. Credit cards and mortgages are a hot topic in the personal finance world.  Since both are essentially loans, credit issuers and […]Related Posts:Brexit, CPP Expansion and Free Credit ScoresHow to Get a Mortgage If You’re Self-EmployedGive ...
Posted: Feb 05 2018 @ 8:30 AM
Effective March 15, 2018 the Amazon Visa will be no longer.  The Amazon Visa was a popular credit card in Canada for foreign exchange purchases, and card I exclusively used for spending outside of Canda.  Most credit cards charge a 2.5% surcharge on top of the foreign exchange rate when purchasing outside your domestic currency, […]Related Posts:Walmart Credit Card Review (Canada) – How Does it…How We Save Money on VacationsTop ...
Posted: Jan 29 2018 @ 1:30 PM
It has been about a year since my last RESP portfolio update which is probably an appropriate time span since it’s a fairly steady portfolio that is 100% indexed. The RESP portfolios for our children are set up with TD e-Series mutual funds which provide a low-cost way to index the market (some other ways to index your portfolio).  […]Related Posts:RESP Portfolio Update – February 2016Indexed Family RESP Portfolio Update – 2017 EditionEasy Index ...
Posted: Jan 22 2018 @ 1:30 PM
Welcome to the Million Dollar Journey January 2018 Net Worth Update – Team MDJ edition. A select group of readers were selected to be part of Team MDJ which was conceived after the million dollar net worth milestone was achieved in June 2014. SmilingSaver was selected as a team member and will post net worth […]Related Posts:Net Worth Update August 2017 – SmilingSaver (+121%)Net Worth Update October 2016 – SmilingSaver…Net ...
Posted: Jan 15 2018 @ 1:30 PM
This is a checklist that I update and follow at the beginning of every year. Similar to the end of the year tax tips, there are certain financial to-do items to start off the year on a strong note.  Here is the checklist that I use at the beginning of the year. 1. Contribute to your […]Related Posts:RRSP Deadline & Contribution Limit 2015/2016New TFSA Contribution Limit for 2015The Best of Million ...
Posted: Jan 08 2018 @ 1:30 PM
Wait! What' Where did 2017 go' It must be an age thing, but it feels like as I get older, time goes by faster. I started this blog in December 2006 as a 26-year-old youngster. At the time, just married with no kids and a newish mortgage. Blink and now it’s December 2017, MDJ is […]Related Posts:My Top 5 Financial Goals for 2017The Best of Million Dollar Journey: 2016 Edition!Dogs ...
Posted: Dec 31 2017 @ 1:30 PM
Welcome to the Million Dollar Journey December 2017 Financial Freedom Update – the final update of the year.  For those of you new here, since achieving $1M in net worth in June 2014 (age 35), I have shifted my focus to achieving financial independence.  How'  I plan on building my passive income sources to the point […]Related Posts:Financial Freedom Update – March 2016Financial Freedom Update – December 2015Financial Freedom Update (Q1) ...
Posted: Dec 18 2017 @ 1:30 PM
Last weeks article on how to maximize PC Plus points turned out to be quite popular. A number of readers added their tips to the comments (also via email), and the post was mentioned in an online Globe and Mail article (thanks @rcarrick!). The reader tips were so good that I think it deserves a […]Related Posts:How to Maximize PC Plus PointsThe Best Free Grocery Credit Card' The PC Financial…How ...
Posted: Dec 11 2017 @ 1:30 PM
A little while back I wrote about how to maximize the AIR MILES program which is a very popular loyalty program in Canada.  However, I admitted in the article that I’m more of a passive AIR MILES collector where I generally prefer cash back as a reward because it can’t be diluted or expire.  Although […]Related Posts:The Best Free Grocery Credit Card' The PC Financial…How to Accumulate Serious Air Mile ...
Posted: Dec 04 2017 @ 1:30 PM


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