My name is Renée. Well, that’s my pen-name, and my real middle name. I am 32 years young, and live on Prince Edward Island with my partner-in-crime Tom (also a pen-name) on the beautiful East coast of Canada. No kiddos for now. 🙂

I am a follower of Jesus Christ, entrepreneur, insomniac, personal finance geek and wanna-be minimalist.

 I’ve moved quite a few times, I have some serious wanderlust, saudade, if you will. I love to travel and there are quite a few places left on my must-see list.

I bought a small fixer-upper house in 2008 (by myself) that I renovated mostly on my own and was able to sell in August of 2016! You can find more on The Littlest House page. I have many interests and few true hobbies – I like to try new things! I regularly make feeble attempts at stringing words together because I like to write. My dog Copper was previously occasionally thrown into the mix of this blog because he used to be my epic sidekick (he now lives with my younger sister because Tom is not a dog-fan) and I still don’t know what I want to be when I grow up.

Why Nickel by Nickel

This is primarily a personal blog and journal that started out in 2010 as a chronicle of consumer debt-repayment. Nickel by Nickel has since evolved from finance to cover my thoughts on life, faith, travel and just winging it, nickel by nickel, as I jump from trying to save money to learning how to invest to seeing the world to renovating my fixer-upper house on the cheap.

Some of the greatest accomplishments I’ve achieved since starting out with blogging are

  • becoming consumer debt free in 2010
  • paying off $16,000 in student debt in 2012
  • building a 3 – 6 month emergency fund of $10k in 2015
  • paying off $21,000 in house related debt in under a year in 2015
  • making mortgage prepayments (being able to do that at all on a limited budget made this a feat!)
  • starting to invest for retirement through avenues like Tangerine funds, Questrade in 2013, LendingLoop (2016, review to come!) etc.
  • Selling my little house in August of 2016! Which allowed me to set aside;
  • a $35,000 house deposit (for my next house)

Currently I am working on saving up for a new vehicle and adding to my house deposit savings as well as retirement savings. I’ve learned a lot these past seven years through the personal finance blogging community and am applying this knowledge to better my financial situation to hopefully some day achieve financial independence.

The PF community 

Through blogging, I’ve found many great resources, websites and other personal blogs some of which you will find linked on the Link-Love tab. To contact me, you can find my info here.

This page was last updated on December 31, 2017

  1. Red said:

    Hey, Renée! Thanks for leaving a comment on GRB today! 🙂 I look forward to reading through your archives and hopefully "getting to know you." (As much as you can through a blog anyway!)

    • Renée said:

      Hey Red, hope you're still around to read, I miss your blog!

  2. Daisy said:

    You're Canadian too! So am I, a West coaster though.

    • Renée said:

      is it bad that that makes me want to say something really stupid like "EAST COAST WEST COAST, represent?' Errr, yeah.

      Cool! I've been as far as Banff but never really into BC, I will venture there in the next few years, you will have to hook me up with the best places to check out 🙂

  3. J$ said:

    Hey! I'd recognize that pink spot anywhere! Haha… j/k. Cool you're from CA — lots of PF bloggers from there. See ya around the webs, my friend!

  4. World of Finance said:

    Hi Renée! I agree… I really like your nice, clean set-up for your website 🙂

  5. Mmmmkay, unexpected. Stumbled in off of google and definitely not related to what I was trying to find (tech stuff), but I read it all. Good stuff, I guess?

    • Renée said:

      Hey you stuck around so that is great.

  6. I found you from Yakezie too – nice site, fresh design and some great writing 🙂

    • Renée said:

      Thank you!

  7. Hey Renée! I realized I never commented on your about page. Thanks for all the supportive back and forth e-mails. I really appreciate that. Also, buying and fixing up a house on your own is very ambitious. So I give you lot of credit there. Glad to hear that you're enjoying your trip in Europe right now. Don't eat too many croissants lol.

  8. Will said:

    Ha, good you’re still around (judging by your new posts)! Unless of course you scheduled posts years out and now they are being published without you remembering… That’d be eerie! Sounds like a love story or something. Like you die, and then we get to read your final thoughts long after you’ve died.

    • Renée said:

      Haha, I am yes but I haven’t had much inclination to write, and my website is… aging? A blog love story, hahaha.

      • TX 4 mentioning my website early on in your blogging, Nickel. How are things going in your (debt) world?

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