Canadians, rejoice!

The time has come! We finally have an app that does what the coveted Acorns app does for the people south of us. It’s called Mylo.
Mylo is a Montreal-based FinTech startup that has created the only app for Canadians that mimics the old-fashioned change jar….with a twist.
From their own words: “Mylo is a mobile platform that automatically rounds up every purchase that users make and invests the spare change. Then, once plugged in, Mylo uses its proprietary user transactional data and artificial intelligence to provide personalized insights and recommendations so that users can make better financial decisions. Mylo helps optimize users’ insurance coverage, reduce interest payments, maximize travel points and more.”
Mylo is a program that runs only on your smartphone. The program will monitor your spending on both purchases and payments. It then rounds up the amounts based on how you direct the program to proceed. For example, you pay $42.38 for groceries, and you set up the program to round to the nearest dollar. This saving machine will deduct $0.62 from your account, and deposit it into an investment account. Not only does it invest your funds to increase the value of your savings, the program will also let you know how far along you are on meeting a goal, like saving for a vacation or retirement, and there is never a time that you are not able to access your money.




What does that mean and how does it work?

It’s actually pretty simple. If you head to the app store on your phone, you would need to download the Mylo app. It’s free to download, of course, and available to both iPhone and Android users.
Big picture: How much you have saved. Congratulations!
See ahead of time what is being transferred. You can also choose to deposit extra to build up your account.
Get the breakdown of where you spent your money.

Step One:

Open the Mylo app, and follow the prompts. It takes about three or four minutes to set up your preferences and to answer some questions about your investing background. It’s good to know how much risk can you tolerate, are you a new or seasoned investor, and a few other risk related questions that will help the program and your investment advisor select the right investments to maximize your dollars.
(Don’t forget to add promocode BENDNEVERBREAK to get your first $5.00 free. Click on Account, Settings, Got a Code and enter BENDNEVERBREAK to collect your reward.)
See how far along you have come, and how much more you need.

Step Two:

Choose a goal for your account, like Vacation or Home Purchase, and the goal amount. You also establish the desired achievement date for that goal.


Mylo monitors your account for transactions, and rounds up the transaction amount to the nearest dollar. Similarly, where you would have change in your pocket, the program automatically plans to transfer the change to your new account at Mylo. If you signed up after May, 2017, there is a fee of $1 per month.

What if I have a limit on transactions coming out of my chequing account?

Mylo only transfers once a week, regardless how many transactions you have made. Also, all round-ups will come from one account, even if based on multiple accounts or credit cards.

Wow, now what?

Here’s the best part. Do nothing.
The funds transferred each time are minimal, so you don’t need to budget a set savings amount. The program checks to see if there is enough to withdraw the funds that week, so you do not go into overdraft. Therefore, money flows bit by bit into your savings account, and is invested.


I have been using Mylo for about two months, and I have been more mindful about purchases lately. Just by paying my bills and other transactions like grocery purchases, gas and debt payments, I have already amassed $45.00 in my account.
If you only use Mylo for the most basic purpose of saving spare change, you will be in for a surprise at how easily and quickly you can save money.
You can transfer lump sums into Mylo, and soon the company hopes to open up more options, like offering registered retirement savings plan (RRSP), and tax-free savings accounts (TFSA), to name a few.

Wait. So my nickels and dimes collect into this account, it gets invested to make more money, and I don’t have to do a thing?

Financial advisors still recommend having a portion of your income go directly to savings, of course, but this is a great way to put away money pain-free.

How do I know my funds are safe?

Mylo features complete advanced bank-level security. It’s backed by Canadian ShareOwner (owned by WealthSimple). Your funds are insured up to $1,000,000.00.

Why are you telling us about Mylo?

You all know I am on a journey to save more, spend less, want less, have more… and this is just one tool that I have added to my personal resources. I hope this helps you out too.

Update: Feb. 2018: I am still using this great program! There were a few hiccups when I switched from a major institution’s bank account to a credit union’s bank account as my primary account. As soon as I reached out to the service team, they responded to my inquiries quickly. I was so impressed with how fast and simple it was to work out the wrinkles, especially when using a lesser-known credit union. I still recommend Mylo to everyone!

3 Steps to being Happier and Healthier

Focus on You:
3 steps to being happier and healthier.


In my quest for learning more about bringing abundance, wealth and prosperity into my life, I have heard a few things that have really stuck with me. I wanted to share three of these with you, in hopes that they resonate with you, or maybe you have some to share with me. 

1. Focusing on world disasters made by man fuels the disasters. 

What on earth am I talking about?

Well, when you think of what you like or don’t like, want or don’t want, we create a vibration that the universe picks up, right? So, when we hear about crazy dude in that country/state/province/etc doing that thing, and we all talk about how crazy and scary and dumb it is, we are giving it energy. If there is no energy given, then it fades away.

This stuck with me. In concept, I agree. If there’s a tantrum and you give it no attention, usually it will cease. HOWEVER, while I understand that fueling the fire can make more people jump in and act irresponsibly, I am not sure that ignoring or disregarding bad deeds will make bad deeds go away. I wish it would. So, while this makes sense on some level, I am choosing to not talk about them, not think about them, and try to spread positive joy around the people that I interact with each day. Perhaps if we all tried that, we could start to reduce the actions of others that were caused in anger. 

That being said, I do not plan to make this community about social events, or rant about politics. I plan to embrace happy things, and remind myself that I can be the most effective when I am happy and healthy. 

2. Remove NOT, NO and DON’T 

I can credit The Secret and Michael Losier for this one. 

I am actively trying to remove NOT, NO and DON’T from my vocabulary. How? Change the answer. Say what DO you want?

“If you don’t change what you see, you will not see change.”
Change what you see, and you WILL see change. 

We say those words so easily that it’s hard to censor them first. While it will sound silly in the beginning, just stop, ask yourself what you do want, and rephrase. I believe it will help us know our desires easier, and it puts out into the universe a statement that can be relied on, and not misinterpreted. (Yes, I said it there.) 

The Secret says that the universe cannot decipher those words. 
“I do not want to be late.” (Be Late. Got it.) 
Whereas, if you say “I want to be on time.” 
There’s no way to misinterpret that. 

3. Manners ((under construction))

Those are three changes I am implementing in my life, and I have noticed a calming effect, and even that makes me happier. I believe it is all about changing what we see so that we can see change in ourselves. 

Who’s with me? 


This post may contain affiliate links, meaning, at no additional cost to you, I may earn a small commission if you choose to purchase through these links. Please see my disclosure for more information. Amazon Affiliate Disclosure: I am a participant in the Amazon Associates Program, an affiliate advertising program designed to provide a means for me to earn fees by providing links to and affiliated sites. 



Last week I started listening to Jen Sincero’s YOU ARE A BADASS AT MAKING MONEY while I was driving to my day job. I starting thinking more and more about the Law of Attraction. I thought her book was encouraging, and was like a little crew of cheerleaders in my ear every morning. Who loves money? I love money. Money loves me. and all that good stuff. (Give it a shot before pooh-poohing it.) 

If nothing else, her book made me think. I thought about how I saw the universe and its layers of life when I was a teenager (a theory that was thought up myself – that in itself was creepy, as there was no influence from others that lead me to think that way) and how I used to escape from the world by sitting in the dark and “meditating”… back then, I was speaking to the “universe” and all things out there, asking for the things I wanted. And even though I didn’t receive a car, or a winning lottery ticket, I do remember having amazing luck, and getting a lot of what I desired. I thought I worked hard, had a horseshoe up my arse, and that was the way the world was. Years go by, and I land on my feet time and time again, restarting my life, and never looking back for a handout. I thought, again, that it had more to do with luck than anything else. 

And then I read this book. 

I haven’t done the exercises yet – I will, and I will talk about this later. But I realized that all of what had happened over the first three decades of my life, or at least the last twenty years, was much of the law of attraction, not luck or being in the right place at the right time. Once upon a time, I was much more in-tune with the universe, and I had no idea what that meant, or how to do it. Now, you see it everywhere, and I am less in-tune than ever. 

One day I will go into more detail about the decade I lost to a psychopath ex-roomie, but in the meantime, I want to focus on reconnecting with the world, taking time to establish the specifics of what I want, or like people now seem to say, establishing what I already have and will receive.

I want to know – did you read this book? Did you like it? Agree with it? What were your thoughts?

I am on reading #2 of the book, and this time, I will be taking note of the exercises and the mantras that she says will help me reconnect with life.

In the last week, one could say that I have “attracted” a free bag of licorice (thanks, Dawn), a box of chocolates from a grateful client, enough donations for my CIBC Run for the Cure  entry (please donate or sponsor me if you can – every dollar helps), a free play lottery ticket, oranges gifted to me, and more. While it’s not specifically money, I am grateful for the universe gifting me things that save me money and for supporting others through me. I am working hard at redirecting more my way, so that I can share with others, and I want to know what works for you. 

This post may contain affiliate links, meaning, at no additional cost to you, I may earn a small commission if you choose to purchase through these links. Please see my disclosure for more information. Amazon Affiliate Disclosure: I am a participant in the Amazon Associates Program, an affiliate advertising program designed to provide a means for me to earn fees by providing links to and affiliated sites.