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by @munyunrings_

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5 months ago

by @munyunrings_

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5 months ago

by @munyunrings_

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5 months ago

🎟️ 🎤 JOHNDOE x Bring Your Own Cups (2014) #tbt #johndoeisnotdead taken in Lonsdale by @munyunrings_

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9 days ago

I heard that one of the local banks was giving away $450 for signing up to a new chequing account so I had to quickly check it out! My only criticism is that they only tell you about the promos if you know to ask about them. Follow @thefreemoneysociety for more money hacks

#finance #investing #creditcard #mortgage #freemoney by @munyunrings_

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4 months ago

“Sell me this pen” 🖊️
— Wolf of Wall Street, circa 2013
#freemoney
#theFMsociety taken in Never Not Working by @munyunrings_

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5 months ago

Life is full of opportunities. Go grab ‘em by the balls ⚽️ 🏀 🏈

The keys to life that rich people won’t tell you about is that you’re actually richer than you think. It’s not a matter of making more money, it’s a matter of spending less without changing your spending habits.

When you use your credit card, please tell me you don’t pay the bill off entirely immediately. You’re doing it wrong homie! There’s a 21 day grace period for a reason. This isn’t 21 days to NOT pay your credit card bill. Change your brain 🧠 🤔 💭 to look at it from a different perspective: this is 21 days for you to find other means and opportunities to utilize your dollar in order to make more dollars for you rather than you working for money. That’s 21 days for you to find a way to pay your debt without actually working, usually in the form of a short term investment.

Then, after the grace period is up, what do we do next, class? Do we pay off our credit card debt in FULL? HELL NAW WE DON’T‼️‼️‼️We pay down a portion of the debt. It’s up to you! $10, $20, do what feels right for you. But leave some debt on that card because it’s actually good for your credit score (your “credit utilization” should be 30-70% so if your limit is $1000 l, $300-$700 outstanding debt will actually increase your credit score). This simple move added 100 pts to my credit score because it shows lenders that I’m responsible with my money.

Proof of financial responsibility means a higher credit score. A higher credit score means bigger loans with less interest, which ultimately is the goal of life hack numbero 2: spend the banks money, not yours.

Here’s something for you to think about that changed my outlook on debt. My goal in life used to be to die debt-free. But then I learned that even after you die, someone’s gonna have to call the cell phone company to cancel your phone and pay out the last bill. Otherwise they WILL keep billing you (remember what I said about money is not real?).

Get comfortable with debt because there’s no escaping it. So you might as well make it your bitch.

“Wealth is of the mind & not of the pocket.”
— Pharrell Williams, circa 2006

#highrisktolerance
#theFMsociety by @munyunrings_

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5 months ago

Ball ‘til I got bad knees #Guapanese ✅ 🍽️ 🧾 🎰 ⛳️ taken in Westwood Plateau Golf & Country Club by @munyunrings_

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6 months ago

MR OUTSIDE 2025 YEAR IN REVIEW✈️ 📈
7 CITIES 🏙️
5 TIME ZONES ⏰
62 DAY PARTIES 🪩
DAY ONES & NEW FRIENDS 🤝
THANKS FOR THE MEMORIES ♾️ taken in Across Canada by @munyunrings_

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7 months ago

This been sitting in my drafts for over a year tbh #MisterOutside taken in LIFE is GOOD by @munyunrings_

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7 months ago

Been employed since ‘06 & I’ve still never worked more than 15 hours a week. #WorkingIsOptional #MillionDollarMouth #ChampagneTaste #TheIntellectualCrashout #MisterOutside #LoroPianaPapi #2Lit2Quit #UPPRLVLSxPBz taken in At the top by @munyunrings_

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7 months ago

10 year reunion 🥂🍾 #Percboyz #CaviarBumps #LouisXIII #Xancity #FromRoaches2Rolexes #StackOrStarve #MisterOutside #CodeineDreams taken in Parker Rooftop by @munyunrings_

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10 months ago