About Me

I am a recent  grad  who managed to rack up a total of $6,000  is credit card debt and $63,000  in government student loan debt.  This total includes funding for both undergraduate and post graduate  degrees.  It is understandable to assume that as a business graduate (accounting, then general MBA) I should have a sound foundation in personal finance (specifically debt finance).  But alas, like most graduates and most in society, $63,000 can get you a whole lot of education yet it is amazing how much the hallowed halls of collegiate education fails to teach you.


Many business students are able to  calculate the financial worthiness of  companies large and small, but are unable to recall how the last $40 in their wallet was spent. I know this because that was me circa. undergraduate – postgraduate. Like the 50%+ Canadians (http://www.statcan.gc.ca/daily-quotidien/100129/dq100129c-eng.htm) that use OSAP to assist in funding theireducation, you probably weren’t informed about  the available options (which I will begin to mention in future blogs) while in school and the responsibilities that come with using debt as a financing tool.


High student debt and an overinflated salary expectation results in a reality check for most students, at least it did for me. Granted the current jobs market isn’t like it was five years ago, but jobs were available in many recessions before this one and will be available after. So, competiting for work with other graduates shouldn't be your only focus. Sometimes your biggest competitor is the lender who loaned you that credit card or student loan.

For this reason, I have decided to create this site. With the goal of not only educating myself, but hopefully others.These articles will be geared towards post-secondary students and recent graduates. The way I see it, it's never too late to get serious about paying down your debt and building wealth, and the best time is now.

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