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The Kaizen Gal

The Kaizen Gal

Marie-Claire

Hey, Marie-Claire here ~ Call me MC (ehmcey)! I was born and raised in Gabon in Central Africa, grew up immersed in both French and Gabonese cultures. I currently live in Montreal, Canada. From moving countries, across continents, traveling the world and navigating adulting (!!), my natural curiosity turned into a love for cultures, languages, food and people. In this space, I will share my career experiences, productivity hacks and maybe some personal bits(faith, travel, etc.) that you will hopefully relate to. Welcome and have a seat at the parley tree!

18 - Off-season: Ciao 2023! Hello 2024!
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  • 18 - Off-season: Ciao 2023! Hello 2024!

    Welcome back to the Kaizen Gal Podcast!

    ---

    Happy New Year!!!! I am grateful we all made it to 2024 and I am equally excited about what the year has in store for us.

    I am passing by to drop a few info:

    Why I went AWOL in 2023 What I'll focus on in 2024 What you can expect on the podcast

    ---

    Want to learn more? Take a seat!

    If you have questions or topics you'd like me to address, email me at info@thekaizengal.com --- Don't forget to subscribe ^^

    And if you haven't written a 5-star review yet - don't be shy: it's painless and free!

    Mon, 08 Jan 2024 - 10min
  • 17 - S03 E05: Rags to Riches Series 5/5 - How I bought a house!

    Welcome back to the Kaizen Gal Podcast!

    ---

    Disclaimer:

    The Kaizen Gal Podcast should not be taken as an investment or financial advice. I am not a financial planner, nor do I pretend or intend to be one.

    I am sharing what works for me, that is specific for me and for the stage of life that I am in.

    --> Always make sure to do your own research and due diligence before making any investment or financial decision.

    ---

    The goal of the Rags to Riches series is to share tips and habits I picked up in order to help me manage and automate my personal finances. Financial anxiety is real while scarcity mentality will hinder you from expanding the reach and ROI of your money. So here is my rags to riches story, except I am not that rich...yet ^^

    ---

    There we go: the last episode of the series Rags to Riches!

    Context:  In early 2019, I started to think about taking a sabbatical year. To take a break from life.

    My plan was to buy a house upon my return. Then the pandemic happened.

    ---

    The last episode of the series is about BUYING A HOUSE.

    There are a few things to know and think about, in my opinion, before even starting to look at houses:

      Where you stand regarding typical wealth ratio Where you can afford to go Reverse Engineer cost to budget AND budget to cost

    This will lead you to ask yourself many questions. A sample of the ones I asked myself:

    What is the ratio of my cost of housing against my budget? What is the ratio of my cost of housing against the cost of housing in my neighborhood? Where do I stand against benchmarks/recommendations of specific personal finances ratios: 1) Price to rent ratio and 2) Housing expenditure ratio What is the impact, over 5 years (the loan term I was looking for) and 25 years (the amortization period I was interested in) of putting down a 5% down payment VS. a 20% down payment on my 1) Monthly payments and 2) Short-term and long-term goals What is the minimum price of the house I can afford with my current lifestyle without making crazy sacrifices and/or altering my savings objectives?

    ---

    Want to learn more? Take a seat!

    If you have questions or topics you'd like me to address, email me at info@thekaizengal.com

    Don't forget to subscribe ^^ Last but not least leave your a 5-star review anywhere you're listening to this podcast.

    Mon, 11 Jul 2022 - 24min
  • 16 - S03 E04: Rags to Riches Series 4/5 - Travel Smarter!

    Welcome back to the Kaizen Gal Podcast!

    ---

    Disclaimer:

    The Kaizen Gal Podcast should not be taken as an investment or financial advice. I am not a financial planner, nor do I pretend or intend to be one.

    I am sharing what works for me, that is specific for me and for the stage of life that I am in.

    --> Always make sure to do your own research and due diligence before making any investment or financial decision.

    ---

    The goal of the Rags to Riches series is to share tips and habits I picked up in order to help me manage and automate my personal finances. Financial anxiety is real while scarcity mentality will hinder you from expanding the reach and ROI of your money.

    So here is my rags to riches story, except I am not that rich...yet ^^

    ---

    This is the4th and second to last episode on the series Rags to Riches: basically the story of habits I built that led me from being broke and in debt to being a homeowner and financially stable in 7 years.

    The 1st episode of the series covered how to manage or pay down debt In the 2nd episode I talked about paying yourself first And in the 3rd one, I suggested ways to get the most out of the expenses you have make anyway

    This episode is about TRAVELING.

    I love to travel and I did not want to sacrifice it in order to save more money. For me, it’s about going at it strategically in order to enjoy it without breaking the bank. Main points:

      Ways to save money while traveling Tips for planning your trip Personal examples

    ---

    Want to learn more? Take a seat!

    If you have questions or topics you'd like me to address, email me at info@thekaizengal.com

    Don't forget to subscribe ^^ Last but not least leave your a 5-star review anywhere you're listening to this podcast.

    Thu, 07 Jul 2022 - 38min
  • 15 - S03 E03: Rags to Riches Series 3/5 - Spend Smarter With Loyalty Programs!

    Welcome back to the Kaizen Gal Podcast!

    ---

    Disclaimer:

    The Kaizen Gal Podcast should not be taken as an investment or financial advice. I am not a financial planner, nor do I pretend or intend to be one.

    I am sharing what works for me, that is specific for me and for the stage of life that I am in.

    --> Always make sure to do your own research and due diligence before making any investment or financial decision.

    ---

    The goal of the Rags to Riches series is to share tips and habits I picked up in order to help me manage and automate my personal finances. Financial anxiety is real while scarcity mentality will hinder you from expanding the reach and ROI of your money.

    So here is my rags to riches story, except I am not that rich...yet ^^

    ---

    In the first 2 episodes of this 5 part series, I talked about paying yourself first and paying down debt (or like I like to say it “managing debt”).

    The third episode of the series is about loyalty programs.

    You see, I am part of numerous fidelity programs. Many of us are actually: reports say that North Americans have an average of 13.5 loyalty cards in their portfolio/wallet. Main points:

      A quick rundown of how they work (different ways to accumulate points or dollars, to spend or redeem those points/dollars, etc.) How to choose the right one My own experience

    ---

    Want to learn more? Take a seat!

    If you have questions or topics you'd like me to address, email me at info@thekaizengal.com

    Don't forget to subscribe ^^

    Last but not least leave your a 5-star review anywhere you're listening to this podcast.

    Mon, 04 Jul 2022 - 20min
  • 14 - S03 E02: Rags to Riches Series 2/5 - Pay Yourself First

    Welcome back to the Kaizen Gal Podcast!

    ---

    Disclaimer:

    The Kaizen Gal Podcast should not be taken as an investment or financial advice. I am not a financial planner, nor do I pretend or intend to be one.

    I am sharing what works for me, that is specific for me and for the stage of life that I am in.

    --> Always make sure to do your own research and due diligence before making any investment or financial decision.

    ---

    The goal of the Rags to Riches series is to share tips and habits I picked up in order to help me manage and automate my personal finances. Financial anxiety is real while scarcity mentality will hinder you from expanding the reach and ROI of your money.

    So here is my rags to riches story, except I am not that rich...yet ^^

    ---

    First and foremost, before diving into today’s episode, make sure you listen to the previous one on “paying and managing debt” and that you implement or at least understand what I suggested there.

    The second episode of the series is about the importance of paying yourself first. You are your FIRST employee.

      Use different accounts for different types of transactions, or transactions of different purposes. Save for retirement! Invest, no matter how small. What matters is consistency and time, rather than temporary intensity. Set up an emergency fund For any plan or dream you have for the year, set up a separate automated transfer

    Combining and revisiting my different accounts, I regularly save between 38% and 52% of my net income each month.

    External factors may impact that % month over month but my savings ratio for the year is 41%.

    ---

    Want to learn more? Take a seat!

    If you have questions or topics you'd like me to address, email me at info@thekaizengal.com

    Don't forget to subscribe ^^

    Last but not least leave your a 5-star review anywhere you're listening to this podcast.

    Fri, 01 Jul 2022 - 32min
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