PlanEasy

Personal finance made easy.

“Welcome to the PlanEasy blog! We make personal finance easy.

Check out our latest posts.”

 

– Owen

Owen Winkelmolen

Financial planner, personal finance geek and founder of PlanEasy.

“Welcome to the PlanEasy blog! We make personal finance easy.

Check out our latest posts.”

 

– Owen

How To Save Electricity At Home – Our 200kwh Electricity Bill

How To Save Electricity At Home – Our 200kwh Electricity Bill

There are some things I hate to save money on. Things like entertainment, food, hobbies are at the very bottom of my savings list. These are the last things I’ll cut if I need to save money.

BUT on the flip side there are some things that I love to save money on. These are things that no one ever sees. These are things that no one ever cares about. It’s things like investment fees, car insurance, or utilities. No one cares how much you spend on that stuff, absolutely no one, so it’s the perfect way to save money.

If you can lower your electric bill by $20 per month, you’ll save an extra $240 per year and no one will have a clue.

When was the last time you compared electric bills? Never.

When was the last time you noticed the number of lights in a person’s home? Likely never.

Our electricity bill is down to around 200 kwh’s per month. The money we save goes directly into investments each month. Saving money on electricity is the perfect way to build stealth wealth.

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Living Small: The Best Way To Save Money

Living Small: The Best Way To Save Money

When first buying a home it’s hard to comprehend the sheer number of new expenses there are. There are mortgage payments, home insurance, property taxes, maintenance, water, sewer, electricity and gas, just to name a few.

When coming from a rental you may be blissfully unaware of all the new home expenses that you now need to budget for.

These extra expenses are tied directly to the size of your home. A larger home means larger expenses.

Before purchasing a new home consider all the expenses attached to your decision. Buying “just enough home” is a great way to save money. Buying “too much home” can cost thousands per year in extra expenses.

This is one of the main reasons my wife and I live with our two daughters in a small 1,000 sqft bungalow. Although we could afford a much larger home we chose to purchase something much smaller…

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The Simple Retirement Plan

The Simple Retirement Plan

Simplicity is a beautiful thing.

It’s difficult to keep things simple. Taking a complex process and making it simple is a challenging task. A lot of effort goes into making something simple.

Retirement planning is no different. It can be a difficult and complex process. With lots of estimates, plus difficult calculations, it can be overwhelming. There are multiple income sources like CPP, OAS and pensions. There are multiple accounts like RRSPs, TFSAs, LIRAs, RRIFs and LIFs.

It doesn’t need to be that difficult.

Planning for retirement when you’re young can be as simple as doing one thing. By doing this one thing year in and year out you’ll set yourself up for a solid retirement.

What is the simple retirement plan?

It’s just one thing…

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