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@Intentional_Liv

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Mom & CPA -sharing my life as a working mom with a focus in personal finance and intentional living. Follow my journey to freedom without sacrificing lifestyle.

Canada
Joined February 2024
Don't wanna be here? Send us removal request.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
1 day
Anyone interested in doing a no-buy challenge with me for the month of October? Rule: Buying "needs" are totally ok (e.g. food, transportation...etc) but wants are what we want to avoid purchasing (e.g. toys, heels...etc). We will check back in a month and see how we did?
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
4 months
My teenage son doesn't want a p/t job. I believe getting a job is part of adulting so he can understand responsibilities & finances. How do you empower your kids to get a job? My son would rather sit at home play video games for free than go out. Is this Gen Z issue or just him?
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
3 months
@MarketPalmer_ She didn’t ask that, did she?!
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
3 months
@rohit_thinks I am not sure crypto is the main culprit but our society doesn’t value hard work like it used to. We are always about the smart way out by looking for short cuts whether it’s a viral video or cryptocurrency. Everyone wants to be the someone that didn’t do anything and wins big
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
4 months
I have a friend who has a nice house, nice cars, and many designer items. She goes on vacations 3-4 times a yr. I just realized through retirement discussions that she does not have any savings. How should I gently break it to her that she should start without sounding offensive?
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
21 days
@dieworkwear It’s sad that this is now a radical position.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
3 months
My husband is normally a very frugal person but he came to the realization that he has likely passed the midpoint of his life and is now counting down rather than counting up. We decided to splurge on memorable life experiences rather than just focus on saving money (e.g our
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
2 months
I don't want to be retirement-rich and current-poor. Saving for retirement is wonderful, but what happens between now and then? So many people don't think about that time.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
3 months
@MarketPalmer_ lol 😆 the cashier is very entitled!
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
4 months
Is it just me or do the younger generation lacks resilience and grit? My teenagers don't want to try anything that is too difficult or takes too long. Do you think screen time is to blame? The instant gratification from video game cannot be replicated in real life situations.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
5 months
I’m an introvert and I dislike big parties and large group gatherings because we usually just talk about superficial things. I don’t dislike human connections but I prefer spending my time on deeply connecting with a few important people who feel the same way. Is that weird?
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
3 months
@dieworkwear You can talk about whatever you want Derek! Just because you are an expert in something doesn’t mean you are only limited to discussing that topic. Life would get pretty boring, wouldn’t it?
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
4 months
@OutdoorFinance I don’t think property taxes are scams but the amount they collect usually isn’t used effectively/ efficiently.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
2 months
@OutdoorFinance Mine too! Honda will be a close second!
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
3 months
@rohit_thinks Rent and car payment are quite excessive considering the income level.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
6 months
@MPelletierCIO Trudeau is trying to get votes from people who think this is just a tax issue for the richest. However, they might not understand the broader picture that these rich folks are often the people creating jobs, investing in businesses, spending $ that helps our economy grow.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
3 months
Do you agree that when you travel, you should go with someone who has the same financial situation, physical ability and expectation?
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
4 months
@wiseconnector Being rude to service staff
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
3 months
@dieworkwear I am always prepared to have my shoes off when i go to someone's house (i.e. I don't wear socks with holes or anything socially unacceptable / embarrassing).
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
2 months
It’s a Friday before the long weekend and I just got my first X payout ever! I’m celebrating with a lobster udon. What are you having for dinner?
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
4 months
@karunpal People thinking I’m dumb or not paying attention or uninterested
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
3 months
My husband and I go on dates. We often schedule time off on a weekday so all the kids are at school/daycare and we will go for a nice lunch, long walk, spa, movie...etc. Schedule your date like you would any other important appointments. You are each other's priority!
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
2 months
@dieworkwear Is this an old rule though like how the purses should match the heels for women?
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
3 months
What are your thoughts on staging your place before selling? The cost is $3k-$4k. Do you think this money can be recovered? Is it a good investment in the hopes of a higher selling price?
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
2 months
Just a friendly reminder: being rude and abrasive doesn't make you authentic.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
3 months
My daughter (13 yo) asked my friend about her salary during dinner. I felt embarrassed and told my daughter that she shouldn't ask that. After dinner, I realized I am perpetuating the money taboo. Have you encounter similar situations? How did you deal with that?
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
3 months
We are allowed to have different opinions and still be supportive of each other.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
3 months
My son complained that the Kirkland toilet paper is not as soft as the Charmin's. Seriously? Kirkland was on sale! Are you choosy in your toilet paper brands?
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
4 months
@unusual_whales As a Canadian I’m deeply saddened to witness the decline in our standard of living. It all happens within the last decade or so.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
5 months
I was reading this library book to my 4 year old that I’d thought I’d share: “The world needs your voice. Go ahead… it doesn’t need to be perfect as long as it’s from your heart.” Seems like great advice for X. Share your thoughts from your heart and get your voices heard.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
4 months
@SchrodingrsBrat I’m guessing you just got a huge dose of someone’s private life even though you don’t know that person overly well? You sometimes need to throw yourself out there, take a risk and see what sticks. If both sides are overly cautious then the conversation stays at the superficial
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
2 months
Have you tried converting the prices as hours of work? If your hourly rate is $40 and you pay 25% tax, you actually earn $30 after tax per hour. Instead of saying the shoes cost $120, think whether they are worth 4 hours of your work.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
3 months
@unusual_whales It’s really having two different economies at the same time. One for the rich and another for the poor. Some are struggling to put on the tables while the stock markets are hitting all time highs.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
3 months
@txsalth2o As parent, I don’t want to throw parties either because of the social pressure. You want your child to have a good time and not be looked down upon because their parties are too boring or the goodie bags are too small. We have to keep up with the joneses even with kids birthday
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
3 months
An entrepreneur once told me if you want committed, hard-working employees, you should encourage that person to start a family and buy a house. Do you agree with his statement?
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
3 months
One good outcome of the US presidential election debate last night is that I've now generated enough impressions to meet the monetization requirement for X. Thanks Biden and Trump!
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
3 months
@karunpal Facts! The bigger your circle, the bigger the drama. Stay small and stay intimate is my preference!
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
4 months
30% of retired Americans are going to un-retire because the cost of living in the past 3 years has increased significantly. Can you imagine un-retiring when you are 75?
@Money
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@Money
4 months
Nearly a third of retired Americans are thinking about going back to work as the high cost of living eats away at retirement savings.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
4 months
@WvSmith Is that what people do when the kids are still in highschool though? I thought that’s what happen when they go to college which I think we will do.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
2 months
The minute you become a parent, you realize how little to no control you have over the hardest things in life.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
3 months
As promised, here's an update of my X premium. It has been exactly 8 weeks since I paid for my premium. I now have over 1k followers (thanks everyone for following me!) so I gained approximately 100 followers per week. I just hit my 5M impressions and am finally eligible for
@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
5 months
Ok - I have just paid for premium. I have 215 followers currently. I will report back in a few months to see if anything changes (e.g reach, engagement, followers… etc) so others can make an informed decision.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
2 months
Happy Friday everyone! Today is pay day for me, and 20% of my after tax income is automatically transferred into a savings or an investment account. I don't see the money so I won't be tempted to spend it. It's simple but it works!
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
1 month
In case you’re wondering why I may not be as responsive the past 2-3 weeks…
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
3 months
My sister and I jointly purchased our first property in our 20's. While some may argue that we could have done better in the stock market, I disagree. The mortgage was our forced savings. We could have easily spent the money on lifestyle purchases instead of investing the $.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
13 days
The X algo is confusing. It wants you to expand your circle of influence but it keeps putting the same people in the "for you" feeds.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
3 months
The ability to develop a thick skin is a must on X. Even though you try to be nice and courteous, you might not receive it in return.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
4 months
When you are at a social gathering and meeting some strangers, what do you typically talk about? Many people ask me what I do for a living. Is our career that important in defining who we are?
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
3 months
@GRDecter Canada cut rates on June 5 so it should not have impacted May CPI.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
4 months
@ConciseAlan He is a great student -90% average.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
3 months
@dieworkwear 😂 I’m Canadian! Can you do a comparison of Trudeau style vs Poilievre?
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
2 months
"Everyday has the potential to be the greatest day of your life." - Let today be yours! Have a good one everyone!
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
4 months
@enrique_s21 We didn’t but he gets gift cards for Christmas which he uses to buy the gaming stuff. He also does online gaming which is free.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
3 months
Don't change a good thing - if your car, purse, tools, jeans...etc. are working out just fine then you don't need to shop for a replacement. Enjoy your material possessions rather than constantly looking for bigger, better, faster alternatives that require you to spend more.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
3 months
Do you know that American convenience stores traditionally relied on two revenue streams - gas and tobacco? What do you think will happen to these convenience stores as our buying habits change (e.g. more EVs and more vaping)? American 7-11 wants to be like their Japanese stores
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
3 months
I attended my company's conference 8 yrs ago and the theme was "What are you waiting for?". One director felt extremely empowered after the conference and emailed the CEO telling him that she quit. Be careful what you wish for. The corporate 9-5 may not motivate your employees.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
2 months
Starting the work week with a good breakfast!
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
3 months
If children aren't allowed to experience the mild sting of failure in the protected world of childhood, how will they react in the so-called real world of life?
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
18 days
Number 1 rule of personal finance: you gotta keep your burn rate lower than your earn rate.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
4 months
Home made lunch - this costs $5 vs $25 at a restaurant.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
1 month
Knowing when you've reach your limit is not a weakness but a strength.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
14 days
It's Monday and we're back to the grind again! Remember it doesn't matter how slowly you go as long as you do not stop.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
1 month
Paris is so calm and peaceful early in the morning. The perk of being jet lagged and waking up before everyone does. Viewing life as glass half full.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
2 months
I don't buy the cheapest product available. I buy the best value. Instead of buying a pair of non-precious metal earrings that tarnish or rust, I bought a pair of gold studs that I have worn for the past 10 yrs. They weren't the cheapest but I still enjoy them very much.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
2 months
We have a girls night out planned on the weekend but my friend just asked if her bf can join us too. Would you let the bf join? He is a nice guy but obviously having him means our topics will adjust accordingly. If you were the bf, would you even want to join a group of girls for
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
3 months
You guys are amazing! I have crossed the 1,000 mark for followers / bots! Thank you so much for supporting me and my unfiltered stream of consciousness. My teenaged kids still do not know I have an X account. I was a little embarrassed to tell them especially when I had 30
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
29 days
I don't know about you but I hate doing public speaking. The quote that seems to calm me down is this: "There are only two types of speakers in the world. The nervous ones and the liars." - Mark Twain Hope this quote helps you too!
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
2 months
Do not associate changing direction with failure. If you don't reach your exact goal but you end up somewhere else, that's still worthwhile and valuable.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
2 months
A friend went to Turkey for hair transplants recently because it was much cheaper than doing it locally. My husband is now thinking about it. Anyone with experience doing this? Should I encourage my husband to do it even though I don't actually care if he is bald or not?
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
2 months
Biking along the beach with the family. Have a great Sunday everyone!
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
3 months
You don't get an investment advisor for above avg market return cuz they won't outperform the market consistently. But, you may want one if you need help with estate, tax planning, or if you absolutely hate dealing with $ like you would hire a gardener if you hate yard work.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
2 months
Beware of little expenses; a small leak will sink a great ship. Here're some food $ saving tips: - Eat breakfast at home - Bring your lunch - Cook one big dish on weekends and freeze - Shop in bulk at discount supermarkets - Set a budget and stick to it
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
27 days
Make learning a priority because what got you here probably won't take you there.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
2 months
"Extended adolescence" is the term for never able to gain financial independence from your parents. Did you get any financial help from your parents or grandparents?
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
2 months
Diderot effect is a phenomenon that occurs when acquiring a new possession leads to a spiral of consumption that results in the acquisition of even more possessions. If you bought a new jacket, you think you need new shoes and jeans that go with the new look. $$$
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
3 months
How do your spouses / partners feel about you using X? My husband noticed a sharp increase in my screen time usage. I think I need to manage my time a little bit better. This is everything against living intentionally if I let social media consume me. How many hours do you
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
2 months
Money never made a man happy yet, nor will it. The more a man has, the more he wants. Instead of filling a vacuum, it makes one. --Benjamin Franklin
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
2 months
I'm taking summer vacation with my family and won't be on X all that much (trying to do a technology detox at the same time). Hope you are enjoying your summer as well!
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
3 months
@ortrails @rohit_thinks Yes and the wealth disparity is getting bigger over time.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
2 months
Some friends came over for dinner with their puppy last week. My 4 year old asked them why they only have a puppy and no kids. I was mortified! How would you handle the situation so that it is less awkward?
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
5 months
Ok - I have just paid for premium. I have 215 followers currently. I will report back in a few months to see if anything changes (e.g reach, engagement, followers… etc) so others can make an informed decision.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
2 months
Are you guys getting outside today? Another gorgeous day here! Hope everyone is having a fabulous Saturday!
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
3 months
Are you going out for some shopping this weekend? When you see the sign that says "30% off" or "50% off", just remember you can save 100% if you don't make the purchase.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
4 months
@TeslaCarey @enrique_s21 Yes chipping in makes sense especially when he probably uses up most of the bandwidth. Thanks Carey!
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
2 months
Have you ever taken on a job because of prestige? It was either a giant tech company, a fancy job title, or a corner office overlooking the water even though you know deep inside the job isn't for you? I have done that when I was younger and I am so over it now.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
2 months
Interest rate is high so the cost of capital is expensive. Companies are less willing to take a leap of faith in hiring people without demonstrated skills and experiences. Remember to continue to invest and develop yourself so you are prepared in any market conditions.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
4 months
I subscribed to X Premium exactly 28 days ago and some have asked for an update of the experience. Overall, the reach has increased significantly and I have gained around 400 followers in the last 4 weeks. It isn’t considered great for most of you but I only had 200 followers
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
3 months
I'm reading a book called "How Big Things Get Done". It turns out that "think slow, act fast" might be the secret here. Have you read this book before?
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
1 month
Happy Monday! Today you are going to take a small step forward so five years from now, you will look back and think, "Wow, look how far I have come!"
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
6 months
@ramit People probably don’t feel rich when they live in a high cost of living city - Santa Clara, San Francisco, NYC, LA… etc. $400k is probably quite average for families in those area. Tampa is not a HCOL city so you are probably right that he just doesn’t want to pay more taxes
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
3 months
What did everyone do today? We had a relaxing day at the beach. 🏖️ Hope everyone had a great day!
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
1 month
Pro tip for visiting the St. Peter’s Basilica - go two hours before closing. There were no lines as the cruise ship passengers have already headed back to their ports. It’s also much cooler, relatively speaking.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
1 month
While on vacation, I was counting the number of countries I’ve been to: 1. USA 🇺🇸 2. Mexico 🇲🇽 3. Canada 🇨🇦 4. Italy 🇮🇹 5. Germany 🇩🇪 6. Spain 🇪🇸 7. Greece 🇬🇷 8. Japan 🇯🇵 9. South Korea 🇰🇷 10. Singapore 🇸🇬 11. Hong Kong 🇭🇰 12. China 🇨🇳 13. Philippines 🇵🇭 14. France
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
2 months
I was asked whether I wanted to climb the corporate ladder. That was my aspiration when I was younger. The title, money, prestige but not anymore. The trade-off's required are no longer worth it after I realize I'm not going after what I want but what others think I should want.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
2 months
I make coffee at home now. We don't go to Starbucks often cuz it's mass market offering so it doesn't feel like a unique/ special experience when you visit. I rather get a coffee at a local cafe if I'm paying that kind of $ anyway and have a more personalized experience.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
3 months
Happy July 4th to my American friends!
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
1 month
I love sharing money tips so we can all build wealth and improve our living conditions, particularly in times of affordability issues. However, please know that money doesn't define a person. You aren't a better or worse person because you have money or vice versa.
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
25 days
Eating at home can save a lot of money so we don’t typically eat out but I have to be completely honest that we spent 600 Euros for a meal in Paris while we were on vacation last month. It was romantic 7 course dinner with wine pairings with my hubby. It wasn’t about the food
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
4 months
@OutdoorFinance For us, the property taxes are for the services you enjoy near your property (e.g. schools, parks, community centers, swimming pools, library… etc). In order for these services to be run, they have annual operating costs. Could the city run more with less? Absolutely! Could they
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
20 days
Have you ever felt you’re repeating the same posts and responses on X and you’re kinda burnt out?
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
26 days
Do you feel the education we receive typically sets you up as an employee in a large organization vs. an entrepreneur? Why is that the case?
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@Intentional_Liv
Viv | Intentional Living
@Intentional_Liv
1 month
Formal education will make you a living; self-education will make you a fortune. --Jim Rohn Take the initiative and do some self learning!
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