Important Tips To Protect Yourself From A Roofer Scam Artist

IT’S SO EASY TO GET CAUGHT UP WITH THE COSTS OF LARGE RENOVATIONS THAT IT’S SIMPLE TO MISS THE SIGNS OF A SCAM ARTIST.   When we bought our current home in 2009 we knew that we would have to put a new roof on with-in a year or two as it was the original. By the time we got the keys to our new home the roof was already 15 years old and the 20 year builder grade shingles had seen better days. The average cost to install a roof on a 1500 square-foot home in our area is between $6000-$8000 dollars. How long would it take you to earn and save thousands of dollars? You wouldn’t want to see your hard-earned money walk away but for many unsuspecting homeowners a roofer scam artist can take them to the cleaners. If you’ve been scammed by the roofer scam you’ll know how it feels to lose a big chunk of money or be left with significant repairs or damage by an unskilled roofer. Not all home insurance policies will cover roofer scam artists let alone their shady work. Always read the fine print on your home insurance policy and if […]

How to Save Money on Airfares Using A VPN

TRAVELLING WITHOUT THE HIGH COSTS MEANS A BIT MORE WORK SOURCING DEALS BUT WORTH THE EFFORT.   We often do a lot of traveling, whether it is for business ventures or vacations. In fact, we’re heading to the UK next month for the first time since I moved to Canada 10 years ago. Travelling to Europe isn’t as cheap as it was when I lived there. I was able to score some great deals and travelled to many countries for cheap and vacationed like a king on a budget. In today’s technologically advanced world, we can hardly spend time away from our digital gadgets. We need to check our Facebook accounts, watch the trending videos and keep our friends updated about our whereabouts — even when we are traveling. But in doing so, we often risk our online security. Especially when we use the public or semi-public Wi-Fi at the airports, train stations, cafes, and hotels. Related: How I budgeted my travel expenses for work and for play Anybody using the same network can track your activities and fetch the information (usernames, passwords, credit card numbers, etc.) you send over the Internet connection. However, a VPN can be your savior. […]

How To Build Your Wealth Without Earning Big Bucks : April Net Worth Update (+1.96%)

YOU MUST BE EARNING BIG BUCKS IF YOU’RE DEBT FREE- Not exactly.   The misconception that you must be rich and earning big bucks if you’re debt free is SO WRONG. The first thought that comes to mind when a young person says they are debt free without a mortgage is that they must have inherited money from someone. Typically the parents are the first target of interest, but does that really matter? Not really. It helps but it’s not often parents have the spare cash to dish out but for those that get that kick-start if they aren’t money-wise they could lose it all. Buying a house depending on where you live in Canada is becoming out of reach for many people especially millennials looking to get into the real estate market. A recent house sale on our street went for nearly $700,000 at just under 1400sq feet. Have a look at how much we value our house at in our net worth chart below and you’ll see what I mean. Manulife Bank issued survey results on Tuesday that suggest 45 per cent of millennial home buyers received a gift of money or a loan from family. That compares […]

grocery game monthly challenge

Luxury Food Products That Are Eating Into Your Grocery Budget : The Grocery Game Challenge 2017 3&4 May 15-28

THE WORD GOURMET AND LUXURY ARE PARTNERS IN CRIME AND IF YOU MEET WITH THEM BE PREPARED TO PAY THE PRICE.   The most expensive food is the food that you can’t afford to buy. Your grocery budget should be important to you especially if finance is something that you want to challenge and control. For most consumers the  number one budget category to tackle is the food budget. The reason is because we can change how we shop and what we eat. Product prices differ all over Canada and for this reason depending on where you live the struggle to keep on budget may be near to impossible or at least seem to be. One way you can help your grocery budget>>Investigate your habits. Find out what gourmet really means and why you should consider chopping luxury food products that take up too much real estate in your shopping cart.There’s nothing wrong with indulging in your favourite luxury food products but when it becomes a habit you may be biting off more budget than you can chew. Stop making excuses as to why you need a bag of chips every time you watch television or pop in a DVD […]

Baked Cheesy Pork Rind Nachos (Low-Carb Keto Snack)

YOU SHOULD TRY THESE PORK RIND NACHOS IF YOU WANT TO ADD SOME CRUNCH TO YOUR DAY WITHOUT ALL THE CARBS.   Break out the smokey flavoured BAKEN-ETS (CHICHARRONES) because there is a way to make low-carb nachos and boy are they delicious. Keto nachos to the rescue any time you have a craving for something salty and crunchy. Pork rinds are the keto chips of the low-carb world and today I’ll show you how to transform them into loaded cheesy pork rind nachos. What is a keto diet? A ketogenic diet (keto) is a very low-carb diet, which turns the body into a fat-burning machine. It has many potential benefits for weight loss, health and performance, but also some potential initial side effects. A ketogenic diet is similar to other strict low-carb diets, like the Atkins diet or LCHF (low carb, high fat). These diets often end up being ketogenic more or less by accident. The main difference between strict LCHF and keto is that protein is restricted in the latter. Get ready folks it’s party food time but this round is for the low-carb foodies who want to tuck into the snack table with options. Low-carb keto snacks […]

Inexpensive Long Weekend Activities Rain or Shine : The Saturday Weekend Review #224

BIRDS CHIRPING, EARLY SUNRISE, KIDS PLAYING, WATER SPLASHING, GRILLS ON FIRE, MUSIC AND LAWN MOWERS BLAZING-IT’S THE LONG WEEKEND VIBE!   The first long weekend of the year is upon us this Monday for Victoria Day 2017 and I’m at work, but maybe you’re not. You will want something to do even if it’s an hour or two just to get out of the house or short travel to destination to enjoy the sunshine. Don’t you just love the feeling you get go through your body and mind when you wake-up knowing it’s a long weekend and you don’t have to work? I do too but sadly that won’t be me for the Victoria Day long weekend. What I love about a long weekend is that people seem to be  relaxed and they tend to smile more and become engaged. This may be the best time to ask your neighbours to split a cost for a new fence or ask for help, haha! Even though we’re scheduled for some rain in the Greater Toronto Area on Sunday for the long weekend don’t let that hamper your plans. Grab an umbrella, rain boots and away you go whether you have a […]

One-Pot Meal: Courgette and Tomato Goulash

FILL THOSE HUNGRY BELLIES WITH THIS INEXPENSIVE ONE-POT MEAL.   It has been surprisingly cold and white (Yes that means snow) here in Manitoba,Canada the last couple of days. I think Mother Nature forgot to switch to Spring but that’s fine because it gives me more opportunity in the kitchen to create new recipes. Having said that it was time for me to make a pot of stick to your ribs goulash. Originally this was to be a soup recipe but I wanted it to be bulkier to fill everyone up easily. This is a great way to stretch a meal or to add any leftovers looming in your refrigerator that look like they could use some love.   What are Courgettes?   I knew you would ask! Don’t worry they aren’t something you have to source as they are found in every grocery store.   Photo Source: Rik Schuiling / TropCrop-TCS – Own work I love courgettes (a.k.a zucchini) and they generally go on sale quite often or you may find them on the reduced rack. Keep an eye out for green and yellow zucchini as most people tend to know more about the green then they do the […]

Change Your Life With The Perfect Pair Of Shoes : The Saturday Weekend Review #223

LIFE-CHANGING EVENTS HAVE THE POWER TO TAKE AWAY YOUR DREAMS OR OFFER OPPORTUNITY.   I’m not selling shoes or even marketing them in this blog post. No. I’m sharing with you how important it is for you to pick the perfect pair of shoes, toughen up and find the riches that you dream of. This is a story about two sisters 10 years apart and on two different financial journeys. It’s tough for siblings to sit back and watch each other grow up because they venture in different directions for school, career and love. What’s even harder is being successful and then watching family members suffer financially. It’s hard to be happy but we know that in order to change your life you have to accept failure, learn from it and move on. How many pairs of shoes do you own and wear? Most people have 1 pair of shoes which is really all you need to get what you want from life. Don’t let anyone tell you that in order to become successful you must look a certain way. Accessories are just that, extra stuff you don’t really need and that includes shoes. Walk in my shoes for a […]