https://padlet.com/alanna_vandewint/u9dq4a7csfdi Things I learned during the budgeting assignment en-us 2017-11-21 14:56:28 UTC 2017-11-21 15:42:50 UTC hello@padlet.com https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209123245 The bank account we chose because it saves us more money.]]> 2017-11-21 15:03:33 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209123245 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209124007 I found searching for a apartment easy because the apartment was two bedroom apartment that we previously owned, which had plenty of space for everyone to live in harmony. ]]> 2017-11-21 15:05:12 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209124007 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209124244 I found that our RESP fund for a little one easy to agree on because we would have enough money to provide our child with the right education and the freedom to increase the knowledge at post secondary. Our child would also have difficulty getting into debit because of the fact of the amount we chose to add into their account, to prevent that specific issue.]]> 2017-11-21 15:05:39 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209124244 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209124261 Our conflict were merely based on if we wanted to buy thing second handed, online, or in store. We resolved this conflicts with discussions on if we would benefit from our decisions and if it would cause disputes between us.]]> 2017-11-21 15:05:41 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209124261 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209124326 I'm going to keep in mind the usage of my money for pointless items that would not benefit myself in any matter. The reason for keeping an eye on the usage, it is because you feel like you have the money to spend until you realize that you've overdrafted you account a number of times for pointless things.]]> 2017-11-21 15:05:48 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209124326 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209124377 2017-11-21 15:05:53 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209124377 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209124427 We did not have any issues with purchases, we trusted each other's intuition and double checked each others purchases.
 ]]> 2017-11-21 15:06:00 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209124427 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209124791 we agreed on everything ]]> 2017-11-21 15:06:41 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209124791 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209124876 we agreed on everything ]]> 2017-11-21 15:06:52 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209124876 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209124978 we didn't have one ]]> 2017-11-21 15:07:03 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209124978 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209125008 My partner and I decided easily on our apartment because it was cheaper than the other places that we looked at and it is the right size for our family.]]> 2017-11-21 15:07:06 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209125008 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209125042 to use the flip app for the lowest prices]]> 2017-11-21 15:07:10 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209125042 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209125064 We agreed on most of our decisions for example, all the baby items, food, and how much we were willing to invest into saving for our down payment, We decided very easily because we all communicated and had the same goal, to not go over-budget.]]> 2017-11-21 15:07:12 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209125064 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209125109 We had no issues. When we found something we would ask the other if it works with them as well. Try to get the best deals.]]> 2017-11-21 15:07:16 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209125109 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209125208 2017-11-21 15:07:29 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209125208 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209125240 we didn't have and issues 
with anything ]]> 2017-11-21 15:07:32 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209125240 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209125389 We easily agreed on phone bill plan because the price was good & the plan was equal.]]> 2017-11-21 15:07:49 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209125389 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209125417 We decided on everything together except certain things that we each to control of, but we talked about everything together to make sure there was compromise and communication]]> 2017-11-21 15:07:53 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209125417 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209125444 Through out this we had no arguments or disagreements.  We agreed on everything. ]]> 2017-11-21 15:07:56 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209125444 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209125616 That not every decision is easy or every decision is hard.]]> 2017-11-21 15:08:16 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209125616 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209125662 Things we found easy to decide on were the apartment, phone plan, T.V plan. The apartment was an easy decision because we both knew what style of home we wanted to have and we found it for a decent price. Our phone plan (Chatr) was another easy decision because it was the best plan for a great price. As for the T.V plan we chose Netflix (premium) because there is a wide variety of shows and movies all without commercials.]]> 2017-11-21 15:08:20 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209125662 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209125831 Everything ]]> 2017-11-21 15:08:37 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209125831 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209125843 Me and Zach had no difficulty with this assignment at all, we both took turns picking things to research and buy. So everything was split, then we looked over what each other choose and happened to agree on everything. Since I wasn't here for most of the assignment , Zach did most of it but I am glad with the work he's done!]]> 2017-11-21 15:08:39 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209125843 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209125958 We agreed upon almost everything because after buying the most expensive and important things (house, car), there was still plenty of space left for money that had to be spent for personal, smaller items (clothing, accessories). even now, we have a couple-hundred dollars gap in our budget that could be used to spend on something (savings).]]> 2017-11-21 15:08:51 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209125958 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209126038 No Conflicts. ]]> 2017-11-21 15:09:00 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209126038 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209126048 Don't have one.

]]> 2017-11-21 15:09:01 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209126048 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209126280 Had trouble figuring out something to eat for going out. ]]> 2017-11-21 15:09:29 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209126280 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209126297 WOMEN ARE ALWAYS RIGHT!!!!!
And also use the flipp app to save money. ]]> 2017-11-21 15:09:30 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209126297 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209126398 What we found the easiest to agree on was our apartment. We were happy with the low-price, how close it was to downtown and that it looked aesthetically pleasing to live in. We also loved how safe the neighbourhood is especially since our child will be living there.]]> 2017-11-21 15:09:41 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209126398 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209126576 We picked the most common food to eat out. ]]> 2017-11-21 15:10:00 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209126576 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209126708 the thing we fanned easy was the food because we each did two meals ]]> 2017-11-21 15:10:13 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209126708 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209126879 What we found most difficult to agree on was apartment hunting because their were a lot of options and different pricing.
 ]]> 2017-11-21 15:10:31 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209126879 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209126939 We didn't have very many conflicts deciding on things, there was communication throughout the entire process of planning our future for our family. ]]> 2017-11-21 15:10:38 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209126939 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209127125 Housing- We very easily found a place to live and agreed on the area and price]]> 2017-11-21 15:10:59 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209127125 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209127301 The only little disagreement we had was whether or not to get netflix or a cable package. Netflix would be cheaper but we decided on cable since our child would need more educational programs and not just movies. We resolved our conflict by listing the pros and cons of each option. At the end, we were all satisfied with our final decision.]]> 2017-11-21 15:11:24 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209127301 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209127640 Food was easy to agree upon. Just took some planning.

]]> 2017-11-21 15:11:58 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209127640 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209127683 We decided very easily on the phone plan (Chatr) because when we compared it to other phone company's and their benefits, Chatr gave us more and better benefits for the same price as companies like fido. But with fido we wouldn't be getting the same out of the price. So with Chatr we got more.]]> 2017-11-21 15:12:03 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209127683 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209128087 We didn't really have any conflicts because we both get along pretty well and we take the time to listen to each other and understand each others opinions.]]> 2017-11-21 15:12:47 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209128087 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209128197 We communicated & agreed on things together .
 ]]> 2017-11-21 15:12:56 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209128197 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209128480 If we had an issue we would find something else.]]> 2017-11-21 15:13:29 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209128480 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209128625 One thing I am going to keep in mind for my future is to always keep track of all my spendings so that if I ever am over budget, I can look back at a spreadsheet such as this one and I can decide where to spend less. I will also keep in mind to communicate clearly with my partner so that we make our decisions together, which will result in us being happier and not having arguments in the future when it comes to what to spend our money on.]]> 2017-11-21 15:13:41 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209128625 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209128782 As mentioned, we had almost no arguments or disagreements towards our choices because of all the money we had left over. We decided to take care of different things within our list of what we needed, for example, I took care of finding the apartment and car, while my partner was taking care of things for the baby, accessories and daycare.]]> 2017-11-21 15:14:00 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209128782 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209128835 our phone plan because we compared it to other company's and we found a price no company could compete with. ]]> 2017-11-21 15:14:05 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209128835 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209128970 Money adds up quickly & try to focus on stuff that are less expensive so we don't have financial issues in the future.]]> 2017-11-21 15:14:18 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209128970 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209129315 Make a reasonable budget!]]> 2017-11-21 15:14:59 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209129315 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209130241 We did not have any conflict]]> 2017-11-21 15:16:36 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209130241 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209130482 Save years in advanced. ]]> 2017-11-21 15:17:03 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209130482 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209130567 Saving money for the future.]]> 2017-11-21 15:17:13 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209130567 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209130692 we had an easy time agreeing on the apartment because we previously owned it and it happened to be two bedroom which worked out in our favor.]]> 2017-11-21 15:17:25 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209130692 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209130763 Buying a house, planning and saving for the future is not as easy as it looks in the movies. It's about skilled moves and knowledge about what it is your doing. ]]> 2017-11-21 15:17:33 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209130763 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209130947 We didn't have any conflicts, as deciding upon things was easy, and affordable. However, we only discussed about things like what we would eat (groceries), and a small talk on what we should do for our child's RESP. We decided to leave the RESP as the last thing to add since it would make sense to invest how much we desired from the savings amount we had left over form everything else.]]> 2017-11-21 15:17:54 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209130947 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209132064 What we found more difficult to agree on was the car. We agreed on an SUV but for me I wanted something fast and more powerful. I wanted a Porsche Cayenne. To me it felt great because it had the SUV and speed feel. But To my partner it felt to unsafe because of its sporty feel and we only had a baby still. plus the Porsche was pretty expensive. ]]> 2017-11-21 15:19:58 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209132064 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209132301 Continue to listen to your partner to maintain a better understanding so that there are more agreements than disagreements.]]> 2017-11-21 15:20:23 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209132301 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209132473 we did not have any conflicts ]]> 2017-11-21 15:20:39 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209132473 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209132653 What we found more difficult to agree on was the car we chose to lease. My partner wanted a luxury car, like a porsche, but I said as parents luxury is something we cannot afford.]]> 2017-11-21 15:20:57 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209132653 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209132919 buying a house and how much i'm going to put in to saving ]]> 2017-11-21 15:21:23 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209132919 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209133251 Something that I think I should keep in mind for the real future is that I should save even more than I did in this shared assignment. Because of unexpected events and taxes, having more money and saving will decrease the chances of financial problems and make my future easier.]]> 2017-11-21 15:22:00 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209133251 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209133518 2017-11-21 15:22:29 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209133518 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209133734 I'd say the apartment was more difficult to agree on because we had to consider the baby and the needs it would have. We also wanted to find a place that we felt was worth what the landlord was asking.]]> 2017-11-21 15:22:56 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209133734 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209134063 We found a easy apartment with two bedroom in a good price.]]> 2017-11-21 15:23:35 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209134063 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209134184 We resolved this conflict by settling on The Toyota RAV 4. It was more of a family SUV that had an ideal price that was within our budget, but it still had the horsepower in the car that i wanted to feel. It Had the safety features in the car that would be safe for our child and everyone in it. This was harder to decide on because at one point i was like, "i'll get my Porsche, and ill buy another car for you, so we'd be financing to cars. But our Compromise was going with the Toyota Rav 4, which felt great for everyone. ]]> 2017-11-21 15:23:51 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209134184 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209135356 The only conflict we truly had was deciding on the car. In the end we decided on a Toyota Rav4. The car itself has a luxurious look to it all while being family friendly and affordable. Therefore it was a win-win for the both of us.]]> 2017-11-21 15:25:55 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209135356 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209136567 small conflicts were resolved fast for example i wanted the cheapest carton of eggs well my partner insisted on free range chicken eggs. ]]> 2017-11-21 15:27:53 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209136567 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209136747 One thing I am going to keep in mind for the future is to be open to compromise, instead of being stubborn.]]> 2017-11-21 15:28:12 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209136747 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209137548 One thing that i'm going to keep in mind for my future is to budget everything, and decide wisely on choices in the beginning. You don't have to get crazy things first, they can hold off until you know that you are financially stable. Also make sure that both you and your partner agree on whatever it is so problems don't occur later on and that everyone is happy.]]> 2017-11-21 15:29:41 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209137548 https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209138215 i will go through catalogs and cut out coupons to keep the food bill at a minimum.]]> 2017-11-21 15:30:56 UTC https://padlet.com/alanna_vandewint/u9dq4a7csfdi/wish/209138215