Blogger Profile

Ms. Mod

Blog Info

Modest Millionaires
Early Retirement
Smart spending, frugal parents, budgeting, lifestyle optimisation
Start Year:

Blogger Bio

Net worth:
Quebec, Canada
Life stage:
DIK (Dual Income, Kids)
Fave $ Books:
Oops! We don't have this blogger's faves, yet. If this is your blog, fill out our poll here!
Fave $ Apps:
Oops! We don't have this blogger's faves, yet. If this is your blog, fill out our poll here!

(Is this your profile page? Update your info here. To update your icon, go to gravatar.com.)

Latest Blog Posts

In my quest to increase my happiness at work, I’ve realized that an important component of becoming better at my job is dependent on my working conditions. The main way for me to have some control and influence over these conditions is to develop skills to communicate my value and needs efficiently to my employer. … Continue reading Know your optimal working conditions The post Know your optimal working conditions appeared first ...
Posted: Sep 26 2019 @ 8:00 AM
A little less than a year ago, I did a crazy thing. I bought a ticket to go to FinCon19 without any idea if I could or would attend. You see, I had just recently started interacting with the personal finance community on twitter and FinCon18 was going down and seemed amazing. I watched on… Continue reading My First FinCon Experience : Thoughts and Emotions, So Many Emotions! The post My ...
Posted: Sep 12 2019 @ 8:00 AM
Life as a parent is often hectic, busy and messy yet filled with love. In such circumstances, it can easily get difficult to stay motivated to reach your goals. It seems there is always something to do, a subject to be researched, a toy to be found, a snack to be prepared, and quite honestly,… Continue reading Planning : A Helpful Tool to Reach your Goals The post Planning : A ...
Posted: Aug 29 2019 @ 8:00 AM
To manage our money, every December or January, I’ll prepare a yearly savings plan. This plan is simply a spreadsheet to project out week by week the money that comes and goes from my checking account. It’ll help me plan and keep track of the total amount I’ll be saving in my TFSAs as well… Continue reading My Yearly Savings Plan Worksheet The post My Yearly Savings Plan Worksheet appeared first ...
Posted: Aug 15 2019 @ 8:00 AM
With June already a full month behind us, it’s the perfect time for a mid-year review of the Modest Millionaires family progress in terms of spending and investments for 2019. Overview of our objectives for 2019 spending For 2019, in our 2018 spending & investment review we set a target level of annual spending of… Continue reading Mid-2019 Spending & Investments Review The post Mid-2019 Spending & Investments Review appeared first ...
Posted: Aug 01 2019 @ 8:00 AM
It’s the third time I’ve checked the spreadsheet today, tweaking a few numbers here and there, but nope, not much of a difference on our timeline towards our financial independence. This usually hits during a more boring workday, or when I’m stuck in procrastination mode. Thankfully, with time, I’ve gotten much better at noticing and… Continue reading Accepting the Boring Parts of the Financial Independence Journey The post Accepting the Boring ...
Posted: Jul 18 2019 @ 8:00 AM
Anxiety about money should be pretty low at the point where we are on our journey, however both Mr. Mod and I encounter it in different circumstances. The amazing Kara owner of Bravely Go and co-host of the wonderful Fairer Cents podcast has a great description of financial anxiety in her article entitled : I’m… Continue reading Money Anxiety Ladder The post Money Anxiety Ladder appeared first on Modest Millionaires. ...
Posted: Jul 04 2019 @ 8:00 AM
While I’m working on simplifying our family’s life to make room for the things we value most, one thing that has been difficult for me is to be consistent with my gym routine. Reading Atomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad Ones by James Clear last month has… Continue reading Hit the gym regularly with a smoother morning routine with the preschoolers The post ...
Posted: Jun 20 2019 @ 8:00 AM
That’s right, you will get to listen to me talk this week in a new episode on one of my favorite podcasts: FIRE Drill Podcast with J from Millennial Boss. I was pretty nervous about this. Nervous enough to postpone my interview several months after having been invited. Part of the reason to delay was… Continue reading The FIRE Drill Podcast Interview The post The FIRE Drill Podcast Interview appeared first ...
Posted: Jun 12 2019 @ 5:50 AM
In July 2018, I sat down with my manager to make a request that was rather rare in my organisation, I wanted to become a full time remote employee. I’d already been teleworking once or twice per week for the last 4 years or so, however a few different changes had made me long for… Continue reading How I Negotiated a Working from Home Position The post How I Negotiated a ...
Posted: Jun 06 2019 @ 8:00 AM


"This is one of the best, most informative personal finance web sites I've ever seen"

-- Daffy Duck, DaffyIsSoTaffy.com

"This guy clearly knows his shit; with every post, I feel like he's got my back as one of those "savers", and his web site is pretty damn cool, too"

-- Scuba Steve, MyScubaGearIsSoWet.com

Leave a Comment

To leave a comment about this blog, fill out the following form.