My name is Renée. Well, that’s my pen-name., I am 34 years young, and live on Prince Edward Island, on the beautiful East coast of Canada..
I am a follower of Jesus Christ, entrepreneur, insomniac, personal finance geek, mostly plant-based vegan (vegetarian some days) and wanna-be minimalist.
I’ve moved quite a few times, I have some serious wanderlust, saudade, if you will. I love to travel and there are quite a few places left on my must-see list.
I bought a small fixer-upper house in 2008 (by myself) that I renovated mostly on my own and was able to sell in August of 2016! You can find more on The Littlest House page. I have many interests and few true hobbies – I like to try new things! I love to cycle and discovered snowboarding in the winter of 2019. B-). I occasionally make feeble attempts at stringing words together because I like to write. My dog Copper was previously occasionally thrown into the mix of this blog because he used to be my epic sidekick (he now lives with my younger sister because Tom is not a dog-fan, sometimes I refer to my boyfriend Tom on the blog (also a pen-name)) and I still don’t know what I want to be when I grow up.
Why Nickel by Nickel
This is primarily a personal blog and journal that started out in 2010 as a chronicle of consumer debt-repayment. Nickel by Nickel has since evolved from finance to cover my thoughts on life, faith, travel and just winging it, nickel by nickel, as I jump from trying to save money to learning how to invest to seeing the world to renovating my fixer-upper house on the cheap.
Some of the greatest accomplishments I’ve achieved since starting out with blogging are
- becoming consumer debt free in 2010
- paying off $16,000 in student debt in 2012
- building a 3 – 6 month emergency fund of $10k in 2015
- paying off $21,000 in house related debt in under a year in 2015
- making mortgage prepayments (being able to do that at all on a limited budget made this a feat!)
- starting to invest for retirement through avenues like Tangerine funds, Questrade in 2013, LendingLoop (2016, review) etc.
- Selling my little house in August of 2016! Which allowed me to set aside; a $35,000 house deposit (for my next house or project)
- Building $450+ passive monthly income
- Quitting a government job in Oct 2018, closing my company April 29, 2019 and choosing to work part-time indefinitely thereafter
With my passive income and current financial assets I am financially stable and to some degree financially independent. While I can theoretically live off my current investments, I will continue to supplement my income and am thus not retired by any means. I do consider myself BaristaFi’d and can choose what I want to do most days.
I’ve learned a lot these past ten years through the personal finance blogging community and am applying this knowledge to better my financial situation to hopefully some day achieve financial independence.
The PF community
This page was last updated on March 26, 2021