{"id":58027,"date":"2023-03-02T00:00:00","date_gmt":"2023-03-02T00:00:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/how-one-adventurous-couple-lives-for-today-and-invests-for-tomorrow\/"},"modified":"2024-02-08T11:39:55","modified_gmt":"2024-02-08T16:39:55","slug":"how-one-adventurous-couple-lives-for-today-and-invests-for-tomorrow","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/smart-saving\/how-one-adventurous-couple-lives-for-today-and-invests-for-tomorrow\/","title":{"rendered":"How to Make Budgeting a Game\u2026 and Win"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/personal-finance\/\">\n\t\t\t\t\t\t\t<span>Personal Finance<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">How to Make Budgeting a Game\u2026 and Win<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Owen Guo<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/TD-2023-03-02T152727.650.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Image of the couple\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/TD-2023-03-02T152727.650.jpg 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/TD-2023-03-02T152727.650.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/TD-2023-03-02T152727.650.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=How to Make Budgeting a Game\u2026 and Win &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/smart-saving\/how-one-adventurous-couple-lives-for-today-and-invests-for-tomorrow\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/smart-saving\/how-one-adventurous-couple-lives-for-today-and-invests-for-tomorrow\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published March 2, 2023 \u2022 6 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>For Lacey and Sean, saving for the future doesn\u2019t stop them from having fun.<\/p>\n\n\n\n<p>In a whirlwind trip through Europe in 2022, the married couple had the time of their lives. They savoured hot wine at a Christmas market in Copenhagen. They posed at the Parisian caf\u00e9 featured in a hit Netflix show. In a beach town in Greece, they wandered the cobblestone streets and watched the sunset.<\/p>\n\n\n\n<p>It wasn\u2019t all play. While travelling, the couple never stopped working. Born and raised in Vancouver, B.C., Lacey, 27, and Sean, 23, were both employed full-time in the tech sector at the time. The ability to work remotely allowed them to explore their passion for travel.<\/p>\n\n\n\n<p>In an interview, the couple spoke to us about their early learnings about financial matters and life goals. Their lifestyle is rooted in discipline and planning, a money philosophy that enables them to live in the now while planning for the future.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Getting started<\/h2>\n\n\n\n<p>The couple\u2019s financial journey started with curiosity.<\/p>\n\n\n\n<p>For Sean, it was a book on investing that sparked his interest in money matters. That book ignited his curiosity about building wealth through owning different investments. It also helped him figure out where to start. \u201cAs I stumble across more information about personal finance, I\u2019ve become more and more curious,\u201d he says.<\/p>\n\n\n\n<p>Lacey admits she was a bit late to the investing world, but she\u2019s catching up fast.<\/p>\n\n\n\n<p>Shortly before they got married, Lacey opened a Tax-Free Savings Account (TFSA). Now, they both invest within a TFSA and a Registered Retirement Savings Plans (RRSP).<\/p>\n\n\n\n<p>\u201cMoney wasn\u2019t something that my family taught me when I grew up. I didn\u2019t even know what a TFSA was when I started dating Sean. Learning the ropes of investing and money together has been very helpful,\u201d she says.<\/p>\n\n\n\n<p>As avid social media users and content creators, they also turn to YouTube and TikTok for ideas and motivation. \u201cYou can get inspired there by what other people are doing,\u201d Lacey says. \u201cWe\u2019ve learned to take that inspiration and then do our own research to make sure information is accurate.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Learning to budget \u2013 and making it fun<\/h2>\n\n\n\n<p>Lacey learned the importance of budgeting in college. Back then, she worked part time to support herself financially.<\/p>\n\n\n\n<p>\u201cI had to make every dollar count. And I got really good at finding deals,\u201d she says. \u201cNow that we&#8217;re both building our careers and managing our budget, I still follow the same format as I did in university.\u201d<\/p>\n\n\n\n<p>That format is a simple one. On a monthly basis, Lacey and Sean subtract their living expenses from their income. What\u2019s left over \u2013 it fluctuates sometimes \u2013 is \u201cwhat we have to work with,\u201d the couple says.<\/p>\n\n\n\n<p>For some, budgeting can bring a sense of dread. Not for Lacey and Sean. They\u2019ve found a way to spice things up by making it into a game.<\/p>\n\n\n\n<p>\u201cIf I bought something that\u2019s not a necessity but just a \u2019want,\u2019 it\u2019s considered a loss, and Sean gets bragging rights,\u201d Lacey says. Whoever stays within the budget gets spoiled with a nice dinner.<\/p>\n\n\n\n<p>\u201cIt has really helped us keep our budgeting on track,\u201d Lacey says. \u201cWe gamified it because that competition works for us.\u201d<\/p>\n\n\n\n<p>The couple says budgeting is the foundation on which they base many other financial decisions.<\/p>\n\n\n\n<p>\u201cThe purpose of budgeting is that whatever we set aside, we want to make sure there\u2019s enough left for the future, whether it&#8217;s for retirement or for other goals,\u201d Sean says. \u201cIf we can set aside even small portion of our income and let it compound, it can be powerful.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Saving for tomorrow, enjoying today<\/h2>\n\n\n\n<p>The couple says saving doesn\u2019t have to be restrictive. \u201cWe both value saving for experiences, rather than possessions,\u201d says Sean.<\/p>\n\n\n\n<p>Case in point: They sold everything in Vancouver in late 2022 before starting a three-month trip across Europe. Using travel points from credit cards, Lacey and Sean booked one-way flights to Paris for only $100.<\/p>\n\n\n\n<p>There are plenty of opportunities to save, Lacey says. \u201cDo you really need paper towels from a name brand supermarket? You could go to a dollar store and buy them for a much more affordable price,\u201d she says.<\/p>\n\n\n\n<p>Money saved in this way can then be invested or spent intentionally on things that contribute to the lifestyle or future they want. While working remotely in Copenhagen, for example, the health-conscious couple bought a one-month gym-membership to stay in shape. Regular savings also allowed them \u2013 both are foodies \u2013 to try out local cuisines and highly sought-after restaurants.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Financial future<\/h2>\n\n\n\n<p>The couple says they plan to keep exploring what life has to offer. That includes travel and maybe even moving beyond their hometown of Vancouver to try living somewhere new. \u201cAt the moment, we\u2019re focusing on investing our money consistently to grow it over time,\u201d says Sean.<\/p>\n\n\n\n<p>One thing is certain, mapping out their future and living in the now go hand in hand. \u201cWe work in percentages a lot,\u201d says Lacey. \u201cWe put a certain percentage of our paycheques into retirement, saving and investing. The leftover money we can then use for, say, a weekend trip to California,\u201d she says.<\/p>\n\n\n\n<p>Sean agrees. \u201cI don\u2019t want to save all my travel for when I\u2019m 70 and can\u2019t enjoy it as much.\u201d<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible pad-b-qtr\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapsebfb0819b\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapsebfb0819b\" data-dig-id=\"LP-58027-bfb0819b\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Disclosure\"><span>Disclosure<\/span><span>Disclosure<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapsebfb0819b\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner  mar-b-qtr\">\n<p>Sean and Lacey are RBC clients. They have been compensated for sharing their story.<\/p>\n\n\n\n<p>Investment advice is provided by Royal Mutual Funds Inc. (RMFI). RMFI, RBC Global Asset Management Inc., Royal Bank of Canada, Royal Trust Corporation of Canada and The Royal Trust Company are separate corporate entities which are affiliated. RMFI is licensed as a financial services firm in the province of Quebec.<\/p>\n\n\n\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-8cc6ff75-87d4-4344-992e-a64731c11357\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=How to Make Budgeting a Game\u2026 and Win &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/smart-saving\/how-one-adventurous-couple-lives-for-today-and-invests-for-tomorrow\/\">\n        <img decoding=\"async\" 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class=\"wp-block-tk-spacer id-883d8181-e3de-4909-9f25-043a61363064\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/personal-finance\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Personal Finance<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-read-this-next\">Read This Next<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full 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Work<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"673\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Digital form checklist\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg 6736w, 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