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Archive of ‘The Sisterpack’ category

Karyn’s April Challenge: The Taxes Terminator/Procrastinator

We all have a hate/hate relationship when it comes to tax season. No one enjoys it, and if they say that they do, they be cray! Last year I decided to get some extra help on my taxes since it was so in-depth and I was out of my league. Little did I know that I would be seriously screwed over by H&R Block.


This year was going to be different. I planned on having a Tax Party with my super sibs and the BF and get my taxes done while having fun at the same time.


This DEFINITELY didn’t happen.


I got super swamped at work and had no time for anything, let alone planning a Tax Party. When I did have a spare second to myself I just ignored the fact that my taxes were due. I was procrastinating like a gawd dang pro.


I kept talking about how I still hadn’t done my taxes with my manager and he suggested I use a program called StudioTax. I said I would give it a shot, but ended up forgetting all about it… until two days before taxes were due (yikes).


This was go-time. I had to get this done now or I could be in serious trouble, especially if my taxes turned out to be anything like last year’s fiasco.


Fearful of having to read so much money jargon, I downloaded the free program and go to work… and 30 minutes later I was done. 30 FREAKIN’ MINUTES!!! I was shocked. I thought I was going to be at it until the wee hours of the morning.


Instead I ended up using a seriously user-friendly program that allowed me to instantly connect to my CRA account and instantly upload my T4s. It automatically filled in everything. IT. WAS. UH-MAZE-ING!!! The only thing I actually had to look up was what line I had to input my student loan interest. Other than that I was golden!


Now once I was finished I had to figure out how to send it to the CRA. I originally thought I would have to download and print the forms and then mail them out. Not the case with StudioTax! I was able to easily send my finished forms electronically via NetFile, which was included in the downloaded program.


My taxes this year were a freakin breeze!!!!


If you still haven’t completed your taxes or are looking for an easier program for next year, I HIGHLY recommend using StudioTax. My GAWD I suggest it!




<3 Karyn


Gwen’s April Challenge: Kickstart an Unconventional Side Hustle

At the end of last year, I felt defeated. I went from entrepreneur to employee and it was a very challenging transition. You can read all about it here. I had zero desire to ‘side hustle’ or even actually hustle at all!!

Though recently, my desire to work hard and earn dem bucks has shifted. I’m now over two months into my new job at Shopify. It is glorious and I’m thankful for the opportunity to work with smart, dedicated people every day.

One unexpected element of being an employee, is my entrepreneurial spark has been reignited. I found that once I started to feel stable again (in work and mindset) my interest to create returned.

While at Shopify, we have been challenged to start our own Shopify store. I thought it was a fun idea that I would do eventually, but didn’t have a fire lit under me to create one. However, when our growth team was encouraged to create a drop shipping store, I saw it as an exciting opportunity to perhaps kickstart a new side hustle.

Drop shipping is a retail method in which you don’t keep your own product in stock. Instead you partner with a wholesale supplier that stocks its own inventory. You choose a product (i.e. pins, stickers, floaties, shoes, etc.), choose your price and market it to the right people and apparently… cha ching!

You can watch a short video to learn more here:

The biggest benefit is you don’t have to worry about holding inventory, and you simply ship a product when a customer orders from you. You set the price, and it’s your marketing genius that sets you up for success.

Needless to say, I was very curious and excited to start. I had an idea to sell a product, and went to work creating a Shopify store. Though I realized I soon started to overthink what I was selling and question if drop shipping was ethical, and came up with a ton of roadblocks for trying it. It was all excuses, excuses, excuses.

My April challenge was to make my first sale with drop shipping. I did not reach this goal. Although I’ve picked a product and tinkered with my site, it is currently not live.

I still have a strong desire to see if I can make my first sale, so I’m going to continue to work on this challenge, though take a different approach. Going forward, I’m going to dedicate 30 minutes per day on working on getting my first sale (instead of putting pressure on myself to do it in a day). I’ve added 30 minutes to my calendar to work on the project every day of the week. There’s also a chance I will be partnering up with a colleague to create a store, so we can work on it together.

For May, I’m choosing to take on a different official challenge though and that is: create a loving relationship with money. Okay, so this may sound a bit weird, though let me explain. I’m currently reading Jen Sincero’s book: You are a Badass at Making Money. One of the exercises in there is to write a relationship to money as if it were a person. It was a really eye-opening exercise, and really made me see how I can become obsessed with money one minute, then stand-offish the next. If I want to create a healthy relationship with money, I realize I need to approach it with the same attitude as I do a romantic relationship or exercising. There is no ‘silver bullet.’ It’s about consistent check-ins and acknowledgement! I will be documenting the relationship in a journal.

Please feel free to join me in my May challenge!



#TheSisterpack Goes To Kenya!

You may have been wondering why #TheSisterpack went MIA for the last two weeks. Trust me, we have a good excuse.

We journeyed as a family to Kenya to celebrate Monique’s recent nuptials and to meet her husband’s famjam. And what better way to get to know your new in-laws than to jump on safari and creep on some wildlife?!

We had a blast and a half getting to know everyone, going on adventures and having some serious family bonding moments. Nothing brings people closer together than road trips!

jet lagged
Travelling for 20 hours can really wear you down.

karyn pics
Karyn can’t (and won’t) stop taking pics of all the things!

beautiful views
We’re not in the 6ix anymore!

making friends with lions
Uhmmmm is that a lion?!


everything the light touches...
Everything the light touches…

the happy couple
The happy couple!

relaxing on the beach
It’s mandatory to have coconuts on the beach after a 12 hour car ride!

getting her glam on
Monique getting her glam on with Gab’s help!

new addition - honourary sisterpack
Our newest addition to #TheSisterpack!

Now that we are past the jet lag stage, we are right back into the swing of things. Stay tuned for our June Challenges, and sign up for our monthly newsletter to stay in touch!


Will It Ever Get Easier?

I’m almost 27 years old, and I feel like I’ve barely scratched the surface of what there is to know about finances.

When I hear people talk about stocks and bonds, I’m utterly confused. Saving for retirement? Haven’t even started. I’m still paying back my student loan, building a business on the side and living in a major city that ain’t cheap.

Every once in a while I feel completely defeated. This “compare and despair” mode especially comes up when I see Facebook statuses sharing, “I’m debt free!” I should be happy for them, but secretly I feel much further behind.

Why do I share this?

To recommit to being honest and open about money. Currently, I am not living life the way I want to.

This blog has been our outlet to share our adventures in making mo’ money and mo’ progress, and also a place to be brutally honest.

Even though I’ve made more money this year (with multiple streams of income) than probably in the last 2-3 years combined, I have come to the realization that I do not respect the money that comes in and have a solid plan to save and watch it grow. It seems like when I earn money, I immediately reinvest it somewhere new.

And it’s time to breathe, and respect the money that’s coming in.

Really today, I wanted to share that even though 10 years ago, I thought my almost 27-year-old self would have all the answers, I realize I am still figuring out the right questions.

Thank you so much for reading my thoughts. If you have any advice or tips to respect money, I am all ears!



Mo’ Passion, Mo’ Progress (Our Cosmopolitan Video Interview!)

We started Mo’ Money, Mo’ Progress in January of 2015 as a way to publicly tackle our personal challenges with money, as well as learn how to earn more.

Over the past 11 months we’ve taken on personal financial challenges, shared tips we’ve tested that have worked, and have also shared some of the challenges we took on that didn’t work.

The spark of inspiration for this site was ignited at the Cosmopolitan Fun Fearless Life event in November 2014.

So it was an incredibly surreal and humbling experience to have been asked by Cosmopolitan and Maybelline to share our passion in a recent video project.

Take a look here:

This video definitely showcases the glamorous side of following your heart. What you don’t see is ‘the hustle.’ We all have multiple jobs and busy schedules, and have quite honestly had some of the biggest fights over differing views of the direction of the site and really, arguing over ‘sister stuff.’

But at the end of the day, our curiosity to create this site has become a passion that has changed our lives.

If you are curious about starting a project of your own (whether it’s a blog, podcast, event, book etc.) lean into that curiosity and GO FOR IT!

Now is the time to give yourself the gift of saying yes. And you never know who will be there to support you along the way.

Thank you so much to the Cosmopolitan and Maybelline team for the incredible opportunity!

  • Gwen

Cosmo’s #FunFearlessLife Event: The Start of Mo’ Money, Mo’ Progress

You’re about to get way more than eye-candy and glamour at the Cosmo #FunFearlessLife event.

Sure, the Editor in Chief, Joanna Coles, may welcome us to the stage being carried by a gaggle of hunks, and there will be a ton of celebrities and stars talking about their latest and greatest projects, but at the core of the event is true wisdom and inspiration.

The idea to create Mo’ Money, Mo’ Progress started at this event.

There was a money panel, and quite honestly I was dreading it.

“Ughhhh, why put this buzzkill panel into the event?” I literally thought this to myself. Little did I know this panel would ignite a new passion in me.

A key moment was when Alexa Von Tobel, the founder of LearnVest, asked the audience of mostly women, ‘Did you learn about money in school?”

Maybe 10% of 2,000 people raised their hands.

I got full body chills and a realization: I’m not alone and omg we have a huge problem on our hands.

Here’s the link to our video for our launch party where I explain the catalyst and you see our first event!

With easy access to credit cards, and living in a world where it’s easier than ever to buy… it’s more important than EVER to have the tools to be able to handle our money (and learn how to make more of it!)

It’s even harder for our generation as many of us come out of school thousands of dollars in debt.

Forbes recently shared that student loan debt is over $1.2 trillion dollars right now. The average student loan debt is $26,000, and one in 10 graduates will owe more than $40,000. In the US it’s not uncommon for students in certain fields to have their own personal debt totalling more than $100,000. Dear God.

In full disclosure, The Sisterpack (aka us four sisters) owed collectively $112,928.64 in student loan debts. I have been paying mine off for more than five years and cut it in half, but collectively we’ve barely made a dent and still owe nearly $90,000.

So I wanted to share this to highly encourage you to step outside of your comfort zone and join me in New York on November 14th to participate in this game-changing event.

Here’s a link to who’s going to be speaking:

Tickets are $199.00, and I can assure you they’re worth every penny. Gals, you gotta invest in yourself!

Hope to see you there!

<3 Gwen



Holy moly it’s the end of Season 1 for the MO’ MONEY, MO’ PROGRESS podcast! To finish Season 1 with a bang we were able to interview the wonderful and incredibly successful Lesley-Anne Scorgie.

Lesley-Ann Scorgie is a best-selling author of personal finance, creator of a software and coaching platform to help you reach your full financial potential. Lesley-Anne has also been a guest on the Oprah Winfrey show, she’s a columnist for Metro News and has been featured on MTV, Marilyn Denis, the CBC and more. She’s also been on the Top 40 Under 40 and Top 100 Most Powerful Women list! Learn more at:


Have a listen and tell us what you think in the comments below!

Download the podcast here:


I have a love-hate relationship with this image:


I first stumbled across it as a friend’s cover photo on Facebook during exam time in third or fourth year university. It makes sense. It’s clean, organized, and looks like an ideal workspace for any student, or professional for that matter. In my ideal freelance life, that’s how I picture my desk.

Flashing back to reality, I have spent the last few months pushing myself to work harder – get new contracts, finish up current projects, network, send invoices, and look ahead to upcoming deadlines.

My workspace looks nothing like that desk.

I’ve been working from coffeehouses, at the kitchen table, while riding the bus, during breaks at my part-time job, on the couch, and in bed. It works for me. I like the variety (and being highly caffeinated), so it’s actually pretty fun to work all over the place.

The challenge: when the whole world is your workspace, when do you decide to actually clock out?

Burnout is a real danger for anyone who is a side hustler. Letting projects slide, not doing your best work, blowing deadlines, and getting sick can all happen – and usually all at the same time.

Here are six steps to keep you making mo’ money and mo’ progress… and feeling good at the same time.

1. Forget work-life balance.
It’s time to balance routine and variety. We Millennials have been known to be all about flexible hours and a work-life balance. When you’re up to big things, you’re probably pretty self-aware and understand that that ideal is likely not going to be your life until you get from where you are to where you want to be. Instead, I make sure to schedule some non-negotiable activities so that you can also be spontaneous and do things on a whim.How? What if you don’t have a routine at all?Well, that’s not exactly true. First you need to admit to yourself that there are patterns in the way that you do things. Are you a night owl or a morning lark? That’s one of the simplest ways to know what time of day you are at your most productive. Use that as a starting point.

2. Have a cutoff time to stop working every day.
This can help with both the need for routine and variety. It could be a different time for each day of the week, or it could be at 10 p.m. – fullstop. By implementing that certainty, packing in as much work as possible doesn’t have to seem endless. It gives you more control over your choices.

3. Eat well and get a solid sleep.
Sounds like a no-brainer, but do it! Your work and relationships will suffer if you’re crabby and lethargic all the time.

4. Be honest.
If you need a project extension, or your stomach is feeling terrible and you’d rather not trek across town for a meeting, say so! Meetings or interviews can be rescheduled or done over the phone, and people will actually understand. You’re only human.

5. Say no.
This one is super important. Do not take on more work when you’ve got more than enough to keep you busy. If you do, you risk submitting subpar work when the deadlines creep up on you and you could actually risk your reputation if this becomes a habit.

6. Stop multitasking.
I think it’s fair to get a meal going in the slow cooker or put in a load of laundry while you work (actually, I’d say that’s fairly smart!). But if you’re flipping back and forth between talking to clients or working on projects within the span of 15 minutes, you’ve got too much going on. Focus is a muscle, and once you develop it you can get more done in those 15 minutes than you used to in an hour!

With those steps in place, my workspace still may not look like my ideal, but hey, at least now I’m working smarter instead of just harder.

What are your strategies for staying healthy and productive? We’d love to hear them! Let us know on Facebook, Twitter, or Instagram! We love hearing from you!

<3 Monique




Stefanie is a Millennial Finance Expert, author and actress. She is also the creator of The Broke and Beautiful Life. Stefanie founded The Broke and Beautiful Life to ignite an open and honest discussion of personal finance among Millennials, freelancers, and artists. Stefanie and her site have been featured on such major media outlets such as Forbes, and The Wall Street Journal. Through her blog, book, and live seminars, Stefanie hopes to spread financial literacy nationwide, empowering people of all ages, in all professions, and at all income levels to maximize their money and achieve financial freedom. Learn more about Stefanie at


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