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    1. Krystal
    2. Krystal

      I do enjoy spending the money that I earn. But I spend it on what I value in life - like travel and playing sports. I wouldn't call myself a penny pincher, as my monthly budget is fairly generous and allows me to pretty much whatever I want. For the larger items, I will save for them in advance, and pay cash. Life is too short to be stressed out with debt. What will you do in 40 years when you have no retirement to live off of? Save and plan, pay for things in cash, and live debt free!

    3. Krystal
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    6. Krystal

      No, I don't live in the same city as my parents. As I've said many times before on my blog, the reason why I pay $150 is because of a unique situation. I cannot say what, as BF doesn't want me to discuss his financial situation on this blog. It is a temporary place, and we will eventually have to leave.

    7. Krystal

      Because I am now blogging as myself, unfortunately I will not be disclosing exactly how much I am making through my Moneyville job, as well as any freelancing opportunities I have.

      That being said, each week in my weekly spending recaps, I put down how much I made that week in freelance income.

    8. Krystal

      No I don't wear sports bras with underwire in them. Although I might try a few on the next time I'm in a store.

      Mine are usually the high impact bras from Nike, but I also have one from Lululemon. I hear that Underarmor makes great ones so I want to check those out one of these days.

    9. Krystal
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    12. Krystal

      I was a bit wary at first, buying a MBP from someone other than Apple. Every other Apple product I own has been purchased through Apple. But I did a lot of research (bought mine off eBay), Googled the name of the seller, read all the feedback, and made sure that in the Mac forums, other users had also bought their computers from the same seller and were satisfied.

    13. Krystal

      Well it depends if you want that money to be liquid. If you might need that money, perhaps it's good to keep it in a regular savings account. If you have no use for it in the short term, you could put it into non-registered mutual funds or any other savings/investment vehicle. I would suggest taking a look at your options and doing some research.

    14. Krystal

      Well to the best of my knowledge, the only thing that will affect your credit score is your Visa. And it will only really affect you if it's the oldest credit account you have. Other than that, the only thing you'll be losing is tenure and history with your old bank.

      I moved everything from TD over to PC Financial & ING Direct a few years ago, but I kept my RRSPs at TD.

    15. Krystal

      Patience? It takes a while to establish longterm credit history. Just keep the balances on your cards low, keep paying them on time, and your score will keep going up. I have almost 10 years of credit history, and my report still says I'm relatively new.

    16. Krystal
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    18. Krystal

      I don't know! I haven't gotten a question on Formspring in a very, very long time. So thanks for sending me this one. :)

    19. Krystal
    20. Krystal

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