British Sausage Rolls

British Sausage Rolls 1 wm

ROLL EM UP AND ENJOY!   There’s nothing more comforting than the British classic sausage rolls. These sausage rolls are so easy to make you won’t ever want to spend money in your grocery budget on over-priced frozen store-bought finger food again. This sausage rolls recipe always takes me back to the time of year where they are a staple at almost all parties and social gatherings in our family. Now that the Christmas holiday is right around the corner it’s crucial that I plan my grocery shops to include all of the staples to make my treats and appetizers. Our house is always busy at Christmas and New Year’s as I’m sure it is for most families and everyone has come to expect my decadent treats as well as my savory appetizers like these sausage rolls. It’s important for me to create lots of finger food recipes so there is always something ready for our guests to munch on. This time of year we always have guests coming and going, mum making her Christmas cakes, milk toffee and mincemeat pies. There’s never a dull moment in our household.   Sausage Rolls   Memories of gorgeous sausage rolls that are […]

Million Dollar Baby: Should travel insurance have protected them? : The Saturday Weekend Review #98

travel insurance

 A MEDICAL BILL SO BIG…   We believe travellers insurance protects us but this story should be an eye-opener for all travellers going to the USA and abroad from Canada. Baby Reece’s parents a couple from Saskatchewan found out the hard way just how easy it is to spend a million dollars after giving birth while away from Canadian soil. I have to talk about this story today because I know so many people who travel to the USA for one reason or another if even for a short trip to save money in their budget. With Black Friday upon us and the holiday season many Canadians cross the border to find deals but be careful when leaving Canada. How could the birth of a child cost almost one million dollars when one has travel insurance?   Travel Insurance Surprise   Jennifer Huculak-Kimmel from Saskatchewan was shocked to get an enormous medical bill after she went into labour prematurely October 2013 while travelling in Hawaii. Jennifer was 6 months pregnant when she gave birth which meant her baby was put in the NICU for 2 months. The bill for this stay was nearly one million dollars! I wasn’t shocked to […]

A financial panic attack cost one guy thousands : October 2014 Net Worth Update (-0.06%)

Financial Panic Attack

STAY CALM WHEN DEALING WITH MONEY   One of the first things my wife said to me this month was “Why do we have a negative net worth statement for October?” and right then I knew she was starting into her financial panic attack mode. Don’t laugh because some people really do suffer from anxiety and in some cases a panic attack when they know their finances are potentially in danger. Some people might have grown up in families who suffered financial loss, watched their parents lose everything, low-income, suffered disability or job loss etc. which triggers financial hoarding tendencies like my wife. When I say hoarding I simply mean they struggle to let go of their money or they make sure that they have money stashed away so that they will be safe if something were to happen. There are people who are scared to let go of their money let alone have someone invest it for them or even worse investing it themselves for fear they screw up. My wife isn’t scared to that extent but she wants to know exactly what is happening every step of the way. I didn’t have to worry about her having debt […]

grocery game monthly challenge

Buying Cheap Food At The Dollar Store Shouldn’t Be Your Only Option: The Grocery Game Challenge #3 Nov 17-23,2014

cheap food healthy food

IT’S WORTH SPENDING THE TIME TO GROCERY SHOP   It’s no secret that for many Canadians debt is a big problem as it is all over the world. With high debt loads some people feel that buying cheap food at their local dollar store is the only way to put food on the table and to balance their grocery budget. It’s not the only option, let me explain why. If you go to your local dollar store like we do and buy stuff that you know has a price tag that just can’t be beat why would you pay high prices? Most often we give up quality and value just to find something that will work like a $3 IPod Charger as opposed to buying one at The Source for $29.99 plus tax to do the same thing. My theory is we could buy 10 cheap chargers for the price of one and so what if it breaks. Not only can you buy seasonal items and housewares but almost every dollar store also sells cheap food although it’s hard for me to make that same comparison for many of the products. You don’t have to eat unhealthy foods just because […]

Why clearing debt is like dieting

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EATING AND SPENDING – TWO OF LIFE’S GREAT PLEASURES   Being overweight and having too much debt both occur through over-consumption. But what is more interesting than that simplistic labelling is the close parallels between the difficulty that many people have in dieting and the problems others face in trying to clear their debts. It’s often a lot easier to sort out other people’s problems, so if you are reading this because you have debts, think what you would say to a friend who was struggling with dieting… and then look at how that advice might translate into tactics for dealing with debt. If you are thinking this is all going to be rather depressing, it’s not all bad news. For a couple of these areas, people trying to lose debt have a much easier time than people trying to lose weight! So what might your friend with a weight problem be saying?   “I’m sticking to the diet but the scales aren’t moving”   This is a pretty easy problem to diagnose, unless you are the dieter of course. If your friend isn’t losing weight, then they are consuming too many calories. If they think they aren’t, that is […]

Classic Date Squares

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SINK YOUR TEETH INTO THESE!   Are these the best date squares ever? You bet they are so plan to make a double batch if you want them to last longer than a day! Everyone knows I’m a huge fan of the chocolate fudgy brownie but aside from a chocolate treat classic date squares are number one in my books. I am also a big fan of oatmeal raisin cookies or just about any dessert that involves oatmeal like Nicola’s Oatmeal jam filled squares. I make these classic date squares a few times a year and they never last. Some of my colleagues ask that I make them for work now ever since I brought them in for a bake sale last year. If you aren’t into baking date squares but you love them as much as I do then you might buy them at the grocery store, coffee shop or your local bakery. What you will notice is the price tag for one date square is pretty high. I have yet to find a thick, chewy date square for under $3.00. Ouch! I can make this full tray of date squares for around $8.00. We all know that baking […]

Are photos with Santa a budget expense worth paying for? : The Saturday Weekend Review #96

Santa Hat

 TIS THE SEASON TO SPEND AND SAVE   Where is Santa right now? With only 40 days left until Christmas Santa is everywhere but in the North Pole right now.  If you are using the Norad Santa tracker you will know that Jolly Old Saint Nicholas is at a mall near you waiting for the kids to get Santa pictures taken. That’s right Santa is gearing up today in most malls across Canada to meet thousands of excited children with their Christmas list for Santa in hand. This is the time of year where our families come together to share memories, create memories, eat lots of food and open gifts! I’m the one who decorates the Christmas tree and the decorations and lights up outside of our house. My wife and I love driving around to see the other houses in our city all lit up. It’s just a great feeling that we now get to share with our son who was born in September of this year.   Holiday Photos   My wife and I decided to go to the mall last night to bring our son for a walk around to tire him out plus to find a […]

Our budget plan is going up in smoke for 2014! : October 2014 Budget Update

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INVESTING IN THE FUTURE   Budgets that work are great but remember that situations change month to month and so should your budget plan. We started the year knowing that our budget plan would change but now that our son has arrived we are starting to see just how much it must change. Not later, but now. I’ve read how some people create a budget plan and that’s their financial bible for the entire year. I’m not an investment reporter or a professional money manager nor do I invest on my own but what I do know is that putting what knowledge I do have financially to work for us WILL benefit us in the long run. Creating a budget and reviewing your budget plan is like getting a return on investment. If you just leave it and hope it works out for you then you might as well put all your money in a washing machine and hope it comes out intact. Likely it won’t happen. Little by little someone like that might find that they run out of money before the end of the month. Why? Situations change. If they don’t save receipts and document expenses rather they […]