Welcome to DeliberateChange.ca™!

November 18, 2017 by

Welcome! I’m so glad you’re here! Join me and follow along as I explore financial and lifestyle strategies on how to break free from the herd and live a deliberate and purposeful life…

Head over to the About page for some background info, check out the latest posts on the Home page, or browse everything under All Posts.

Don’t forget to share, join the mailing list for free downloads and weekly updates, or shoot me an email with any questions you might have.

See you around!
Chris

Update Jan 2019: I’m taking a hiatus from blogging while I gear up for another exciting year leading the Forest Edge Community Pool! Be sure to drop me a line or find me at one of the London ON FIRE meetups.

Filed Under: Start Here Tagged With: , , , , , , ,

How and Why to Calculate Your Marginal Tax Rate

January 10, 2019 by 6 Comments

Taxes.  Yawn.  Right? Wrong. For many Canadians, taxes form the largest expense in their budget.  And for many employee-Canadians (vs. self-employed Canadians), you’re going to pay close to whatever your company’s tax slip says you’re going to pay.  And because tax is often withdrawn right from your paycheque, you might not even notice how much […]

Filed Under: Personal Finance Tagged With: , , , , , , , , , , , , , , , , ,

Merry Christmas!

December 25, 2018 by Leave a Comment

Merry Christmas and Happy New Year, from our family to yours! I truly hope that you are able to relax and spend time with loved ones this holiday season. Whether or not you celebrate the true meaning of Christmas (the birth of Jesus Christ), the holiday season is symbol of hope and love. If you […]

Filed Under: Self-Improvement Tagged With: , , , , , , , , , , , , ,

How to Set Your Team Up for Success

December 13, 2018 by 1 Comment

Have you ever been part of a successful team and a failing team? I have, and I’m guessing you certainly have, too. Have you ever led a successful team and a failing team? I also have. You may also have, too. But perhaps most importantly, have you ever stopped and pondered the differences between those […]

Filed Under: Community Building Tagged With: , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

Let’s Celebrate! How Was Your Year?

November 29, 2018 by Leave a Comment

I’m pretty sure that most bloggers each have their “anniversary post”, particularly after their first year of blogging. Well, today it’s my turn. And interestingly, it corresponds with the tail end of the calendar year. So why wait for New Year’s to reflect? Instead, let’s take a short journey back right now and celebrate our […]

Filed Under: Start Here Tagged With: , , , , , , , , , , , , , , , , , , , , , , , , ,

How and Why to Calculate Your Savings Rate

November 15, 2018 by 5 Comments

In late October I had the opportunity speak about how early retirement is more achievable than you might think, provided you take appropriate actions and make wise financial choices. Specifically, on slide 28, I provided a simple example of how healthy spending and savings patterns can open up many life choices. You could stop work […]

Filed Under: Personal Finance Tagged With: , , , , , , , , , , , , , ,

You Can Retire Sooner Than You Think

October 31, 2018 by 6 Comments

The following is an approximate transcript of the talk I gave at the London ON FIRE meetup in London, Ontario on Oct 30, 2018: You Can Retire Sooner Than You Think. 1. Good evening everybody. It’s great to see so many of you out here tonight. My name is Chris Urbaniak, and I’ve been part […]

Filed Under: Planning & Decision-Making Tagged With: , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,