The next few posts are going to focus on things you can do for yourself, then we'll move on to other issues.
I've spent a lot of time reading and thinking about money, budgeting, investing and spending money. Before I lose you to something more interesting, here are the three things you should do.
1. Get A No Fee Bank Account
Everyone seems to want to save but says they can't find the money. If you are currently paying fees on a bank account, switch to one with no fees and then save what you used to pay in fees.
I like Simplii Financial (previously PC Financial) and Tangerine (previously ING Direct). Tangerine has a cash sign up bonus of $50 - $100 (promotions vary) if you have a referral code. If you use mine we both get the cash (Orange Key: 16332442S1).
If you love your bank which has fees first you can ask them if there is a way to reduce your fees. It's better to have an action plan filled with things you are looking forward to rather than one you're dreading. If you're dreading the idea of changing banks, don't. Just make sure you know what fees you are paying, ask if they can be reduced, and then keep it in mind each month and see if it's worth it. If it is and you can afford it, go for it. I love my no fee bank account, so that's why I do it.
It's getting late, I'll continue this tomorrow, while you're waiting work on step 1.
Links to Part 2, Part 3, Part 4, and the video