Hi, my name is Flora and I talk about personal finance with just about anyone, whether they like it or not (most don’t).

Since you’re here, I take it that you’re volunteering for the position of Captive Audience. Good call. You won’t be disappointed.

Let me guess, you’re driven, passionate about life, and fully committed to reaching your potential. Most importantly, you want to make money work for you, not the other way around.

I hear ya. I’m in the exact same boat.

I’m on a journey to reach financial freedom – the freedom to choose where, when and how I work.

Some Background Information Never Hurts

I wasn’t always great with money.

During my early 20s, I pretty much just YOLO’d: I ate out regularly, traveled to exotic places and curated a half-decent wardrobe. 

It was an exciting time, but money-wise, all I had to show for was a small amount of cash savings, a 4-digit RRSP account, one life insurance contract, and the remaining balance of my student loan.

I wish I was more mindful of my budget.

When the reality of “adulting” had finally kicked in around the time I got engaged (to the only man who can tolerate my idiosyncratic combination of weirdness and nerdiness), I realized that I need to manage my money better if I want to secure a better future for me and my loved ones.

This much-needed financial wake-up call prompted me to re-examine my life priorities, read a ton on personal finance, and set lofty yet achievable financial goals.

Together with my husband, we are now charting a strategic path toward financial success, which we define as (in sequential order): 

1. Buy a place of our own – COMPLETED

2. Have $1 million in net worth – IN PROGRESS

3. Become accredited investors 

4. Achieve financial independence

6 Random Facts About Me

  • My guilty pleasure is reading The Globe and Mail’s Financial Facelift
  • I’m fascinated by indoor rollercoasters, haunted mansions, and unsolved mysteries
  • One of my all-time favorite movies is Hitchcock’s “Rear Window”
  • I firmly believe that there’s almost nothing a pepperoni pizza cannot fix
  • My ideal lifestyle once I reach financial independence? Working on my own memoir while slow traveling 
  • I love browsing real estate listings, regardless if I’m in the market for a new property or not

What Makes Casual Money Talk Special?

This website used to be all about documenting my personal journey to financial freedom.

Somewhere along the way, I caught the social justice bug, and decided to switch gears and make this site less about me, and more about money issues that plague those who need financial help the most.

Casual Money Talk’s new motto is: inspiring financial confidence in people, one non-judgmental advice, one relatable story at a time. (If it looks a lot like Starbucks’ motto to you, you’re not crazy)

You’re in the right place if you’re looking for any of the following:

  • Empowerment – I want to show that it’s entirely possible to rock your finances even if you had a “late” start and made a few money no-nos in life (who hasn’t?)
  • Fresh and actionable advice – ones that transcend common sense, clickbait and boilerplate answers that run amok on the Internet
  • Financial transparency – I have disclosed our goals, our expenses, and even our net worth and will continue to do so unabashedly
  • A blogger with the right mindset – personal finance should be a fun journey, rather than an endless maze of roadblocks
  • Jokes, lots and lots of them – enough for an open mic act at a 2nd-tier comedy club

A Few Posts To Get You Started

Let’s Connect on Social

As much as I like to write about our financial struggles and successes, I’m as just eager to hear your stories. Below are some of the ways we can connect:

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