My name is Ben, I’m on the wrong side of 30, and I live in Oakville, ON with my wife Susan and our dog Rex. I run and own a small marketing company and the COVID pandemic has been devastating for my business. Luckily Susan is gainfully employed and we still manage to pay our bills. This blog is about financial survival, prosperity and most importantly smart borrowing. I’ll be documenting my journey getting out of debt and sharing my experience of handling money and credit. Hopefully 2021 will be a better year and will bring some normalcy back to our lives :).