Avocado Toast

09/04/2025

Have you ever done a life audit? ✍️

A life audit is a simple way to step back and see where your time, money, and energy are really going. These reflection questions can help you decide when to keep going and when to let go

Which one hits home for you? Save this post, share it with someone who needs it, and follow along for more ways to stay financially aware.

09/03/2025

Have you heard of the sunk cost fallacy? It’s when you commit to something and feel too guilty to let it go, even when it’s not giving you results. This happens to everyone at some point.

When it comes to money, it often shows up in promotions, special deals, and subscription plans you often forget about… and here are some most common tricks used by brands

💡 What’s the sneakiest deal you’ve fallen victim to?

Save this post or share it with someone you think might find this useful. Don’t forget to follow us for more personal finance tips.

09/02/2025

Do you have subscriptions you have been paying for just because you started a free trial and forgot to cancel? You could be a victim of the sunk cost fallacy! 👀

Do want to know how to spot it and skip the trap? Check out our latest blog post at link in bio and follow .ca to stay financially aware!

If you have a hard time letting go of bad investments, odds are you are trapped by sunk cost fallacy! Here's what you can do to avoid it.

08/20/2025

If you're looking for simple steps on how to set up a monthly budget... Here's our latest blog explaining the how-to!

And don’t forget to follow Avocado Toast for more personal finance tips.

When you get your paycheck, your first instinct might be to spend it all, but what if we told you that you could spend your money while also making money?

08/19/2025

Ever heard of the 50/30/20 rule? It’s one of the simplest ways to start budgeting.

Here’s how it works:
🧾 50% of your income goes to needs (rent, bills, groceries)
🛍 30% goes to wants (the fun stuff i.e. dining out, hobbies, subscriptions)
💸 20% goes to savings or debt (TFSAs, emergency funds, student loans)

We break it down in our blog https://avotoast.ca/how-to-create-a-personal-budget-that-works-for-you/

Don’t forget to follow us for more personal finance content.

08/15/2025

Canadians spent $9 billion on cosmetics last year and up to 40% of that ended up as waste. That’s a lot of half-used cleansers, expired serums, and money we didn’t even realize we were throwing away.

Underconsumption-core showing up on our feeds felt like a breath of fresh air. People were tired of being sold the idea that more = better. We are TIRED of influencers pushing $200 routines when rent’s gone up and groceries are already a stretch.

If you want to be more intentional with your money habits, learn more about underconsumption in our blog [https://avotoast.ca/what-is-underconsumption-and-why-should-you-incorporate-it-into-your-lifestyle/]

Don’t forget to follow .ca for more personal finance content.

08/13/2025

Is underconsumption popping up on your feed recently? Maybe it's time to be more intentional with your money habits.

Learn more about this mindset in our new blog, and follow Avocado Toast to come along on a financial journey with us!

Underconsumption helps normalize healthy consumer spending habits by encouraging people to spend on only what they need.

08/11/2025

The Consumer Price Index (CPI) is how Canada tracks inflation. And no, it’s not just a number they pull out of thin air. Stats Canada calculates it by tracking prices on over 700 everyday goods and services, from rent to your weekly latte.

The CPI shows what’s getting more expensive, what’s getting cheaper, and how fast prices are changing overall. Once you understand how it works, you can use it to make smarter choices about saving, spending, or even negotiating your next raise.

You don’t need a finance degree to calculate inflation. Just a bit of curiosity… and this blog!

Follow .ca for more personal finance tips and check the full post here: https://avotoast.ca/understanding-the-consumer-price-index/!

08/06/2025

The Consumer Price Index (CPI) is a tool the Bank of Canada use to track inflation. Learn more on how to use it with your personal finance on our blog!

If you're hoping to learn more about personal finance, follow along Avocado Toast and start your journey with us.

Knowing what the Consumer Price Index is will go a long way toward helping you save money even during times of high inflation! Here's what you need to know to stay one step ahead.

08/04/2025

Ever wonder if a High-Interest Savings Account (HISA) is actually worth opening? 👀

The short answer: it depends what you're saving for.

HISAs are great when you're:
✅ building an emergency fund
✅ saving for a short-term goal (6–12 months)
✅ wanting flexible access to your cash

But they’re not ideal for long-term growth…. and any interest earned is taxable unless it’s inside a TFSA.

Find out more on our new blog: https://avotoast.ca/should-you-open-a-high-interest-savings-account/

Follow Avocado Toast for more personal finance tips that actually make sense 💸

08/01/2025

HISAs offer high interest rates so you can save more, faster. Too good to be true? Keep reading to find out!

A HISA can be an invaluable tool in your savings arsenal, but its usefulness depends on your financial plans.

07/26/2025

If you’re just starting to learn about personal finance, it can feel like everyone is talking about investing with a lot of jargon, but no one explains what your actual options are.

Here’s top 5 financial products to get familiar with: GIC (Guaranteed Investment Certificate), Stocks, Mutual Funds, Bonds, and HISA (High-Interest Savings Account)

Each of these investment products works differently, and the best one for you depends on your goals, timeline, and comfort level.

If you’re curious, check out our website https://avotoast.ca/

At .ca, we make personal finance simple. Don’t forget to follow us for more fun personal finance tips and sign up for our newsletter so you never miss our new post!