April 12 Suite Tie

Good morning Dinks.  Have you ever had one of those days when things just didn’t go as planned?  I like to plan.  I like to wake up in the morning and know what’s coming.  I like to know what the day has in store for me.  Unfortunately things don’t always go as planned.  It only takes one person to change your life – for better or worse.

Last week I had a really bad money day.  It seemed from the time I woke up to the time I went to sleep everything related to money went wrong in my life.  It was just one event after another of things that went wrong.  First there was the cost of an unnecessary taxi to work because I was late, then there was fraud on my credit card and finally I overpaid for a hair appointment and ended up in a rain storm.

One person can make a difference

Sometimes people say I can’t make a difference because I’m only one person.  But that’s far from the truth.  Think of the last time you did something good, it may have been a small gesture but it made a big difference.  A monetary donation of any amount can make a difference.  Sometimes people don’t donate money to a good cause because they don’t think their contribution makes a difference.

Think about this, if everyone gave $10 it can add up to a big difference.  Think about the last time you were calculating a tip at a restaurant.  If you gave an extra $1 and everyone else did too then that server would make a lot more money every day.

Who gave you your big break?

I will never forget the people who gave me a chance in life.  My grade 8 teacher Mrs. Collins was the first person (other than my parents) who ever believed in me.  She encouraged my writing and also encouraged my dancing.  She was a major influence in my life.  It only takes one person to believe in you and encourage your passion to make you great at it.  I will always be grateful to Mrs. Collins for not letting me give up on my love of writing.

My former boss Nicole gave me my first full time job after graduation.  I applied for a job as an administrative assistant and she gave me a job as a financial planner.  Actually she saw so much potential in me that she created a trainee position while I studied to get my certification as a financial  planner.  This is the point in my life where I made a turn for the better.  I went from being a student to being a full time professional and my life got a lot better because of it.

Most recently I had someone who gave me a second chance at a career.  After over a decade of working in banking I made the change from financial planning to corporate communications.  A woman named Claudia hired me to write full time for an international investment firm.  She let me make the move towards a new career and gain new experience.  I am thankful she believed in me and gave me a second chance at a new career.

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Tahnya is a Certified Financial Planner and former Investment Advisor turned marketing and communications professional She holds a degree from Concordia University, is debt free and currently works in the field of digital marketing.


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Avatar photo About Kristina Tahnyak

Tahnya is a Certified Financial Planner and former Investment Advisor turned marketing and communications professional She holds a degree from Concordia University, is debt free and currently works in the field of digital marketing.

MANAGE YOUR MONEY TOGETHER

Here are some simple guidelines for DINKS to build wealth:

1) Collaborate: Meet regularly to talk about money, set goals together, track and monitor them.

2) Understand and respect your partner. Take time to understand your partners values about money.

3) Watch the numbers. Get a budget, monitor your spending and track your net worth.

4) Max your retirement. Maximize contributions to your tax deferred retirement accounts.

5) Invest in stock. Stocks perform better than bonds or cash.

6) Avoid high interest debt. Credit cards and title loans are financial cancer.

7) Diversify. Don't put all your eggs in one basket.

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