Hi.

Welcome to Jess Undecided - a platform I've created to share all my loves + passions.

Jess Undecided originates from a whole lot of soul-searching the last couple years to find what I'm truly about, but what I've found is that you don't have to decide on just one thing to define who you are - you can be undecided

Can't wait for you all to start to explore all of my undecided loves - enjoy your stay!

LIFESTYLE // X EQ BANK // HOW TO: BE A MASTER MONEY SAVER

LIFESTYLE // X EQ BANK // HOW TO: BE A MASTER MONEY SAVER

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**This is a sponsored post written by me on behalf of EQ Bank. However, as always, all opinions are my own.

Hi cuties!

Remember how I’ve been saying planning a wedding is super expensive?? Well Trav and I have decided to start saving up for a house too… Yes. It’s going to be an expensive year!!

So obviously I’ve been researching different ways to be a better saver. I’ve been trying out a couple things and let me tell you - it definitely takes some getting used to. 

Through EQ Bank’s latest poll, I learned that I’m not alone in my savings goals. In fact, 64 per cent of Canadians aim to save at least $10,000 over the next five years. 

To kick off my savings and help you with yours, I have partnered with EQ Bank to challenge you to save $100 to invest in a GIC

The benefit of EQ Bank’s new GIC is the fact that it offers guaranteed growth! You heard me right! With as little as $100, you can earn 2.76% interest on a 1-year term and 3.50% interest on a 5-year term.

Keep reading and you can see how changing ONE THING in your life can save you $100, just like that! 

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My NEW favourite ways to save money:

Skip your mani/pedi

  • I’ve been doing this for a while and have saved like $70 every 2 weeks
  • I just invested in a proper manicure/pedicure kit so I can do it at home
  • It also makes it so much easier for me to fix my nails whenever I want as opposed to being confined to the schedule of the nail salon

 

Be your own barista

  • COFFEE is probably one of my biggest expenses
  • For this post I looked at my coffee order history and the cheapest coffee I order is usually an Americano, which is about $3.50
  • So even if I only order 1 coffee / day (but realistically I get 2!!) I spend close to $25 / week! so that’s $100 / month
  • Even typing this out is making me sad thinking about all the money I’ve wasted :(
  • Anyways, I started using my French Press + Chemex at home. Honestly, it took me some time to get used to. I have to wake up a good 20 minutes earlier everyday to boil water, grind my coffee, and set up the filter/coffee maker, but it’s worth saving $100 EVERY MONTH! And the more I do it, the more efficient I get … I think I can do it in 15 minutes - I’ll let you know :p
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Pack your own snacks/lunch 

  • As many of you know, I live a very on-the-go lifestyle. I spend most of my time on the road and am in a new spot every couple hours (if not every hour) so eating regular meals is a challenge for me
  • For a long time, I settled for picking up breakfast in a drive-through or on a mobile pick-up service, grabbing lunch in a to-go box, until I finally got home later at night + ate leftovers from whatever Trav had made for dinner that night. Seriously, it isn’t a healthy way to live, I know
  • So in my quest to save more money, of course cutting down on buying food outside was going to be a huge help! The only thing was to make time to meal prep 
  • Even though I studied/practiced nutrition, meal prep was always my weakness. I could organize meal plans and grocery lists for clients in my sleep, but when it came time for me to do it for myself - I always fell short
  • Recently, I’ve started to work on that. I went and got a whole bunch of mason jars to fill with on-the-go snacks that I can keep in my car, and some less easily perishable lunches that I can keep in a cooler in my trunk. Treating my car as its own little food bank basically! It’s been super helpful in saving because I was spending almost $20/ day on food… I remember thinking about why I wasn’t saving more every month and it was basically spent on food!! It’s insane how much money I lost
  • Anyway, let’s say I’m buying a full day’s worth of food 3 days a week… that’s $240 saved a month!
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If I continue these habits every month I can save an extra $480/ month ($140 mani/pedi + $100 coffee + $240 food).

*To be honest, I’m a little ashamed/embarrassed that I’ve been spending SO MUCH money on things I didn’t have to be spending it on.* 

All that money could have gone into GICs to earn interest so Trav + I have more money to spend on our wedding and house. Well I guess better late than never right? 

PLUS, with all the driving I do, the last thing I want is to have to make a trip to another bank branch. So thankfully, EQ Bank, being a branchless bank, offers the ease and flexibility to purchase GICs online! Music to my ears!!

Check it out for yourself too to be a master saver like me!! 

Rates shown are in effect as at May 28, 2018 and are subject to change. For GIC terms equal to one year, simple interest is calculated on a per annum basis and paid at maturity. For GIC terms of over one year, interest is calculated on a per annum basis and paid either annually (simple interest) or at maturity (compounded annually). Interest is accrued for the entire GIC term.  EQ Bank GICs are non-redeemable.

For more GIC rates and information, visit eqbank.ca. EQ Bank is a trade name of Equitable Bank.

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WEDDING // X MAKEFUL // DIY FLORAL CROWN

WEDDING // X MAKEFUL // DIY FLORAL CROWN