How To Boost Your Financial Situation When You Can’t Afford To Pay Rent

how to boost your financial situation when you can't afford to pay renthow to boost your financial situation when you can't afford to pay rent

THE CHOICES WE MAKE WITH OUR MONEY AFFECT EVERYDAY LIVING   Not everyone who struggles to pay rent wants to up and move but for many it’s a reality that they must face because they wrangle month after month with financial insecurities. The biggest issue facing many Canadians right now is that rent in most cities keeps going up along with the cost of living and minimum wage has not kept up with inflation. About one-quarter (3.3 million) of all Canadian households are precariously housed, living in housing that is unaffordable, over-crowded, below standard, or a combination of all three. Poverty in Canada is high with many Canadians struggling to make ends meet even if they are those friends, family and neighbours with the big house and fancy cars. You’d be surprised how many rich-like people are actually house poor. There’s a reason spending only 30% of your gross income on housing is imperative because if you go over you face declines in other areas of your budget such as food, transportation, clothing and other necessities. There are 35,000 Canadians are homeless on any given night. Over 235,000 Canadians experience homelessness every year with 5000 being unsheltered, 180,000 staying in […]

grocery game monthly challenge

Picnic Food Ideas For A Frugal Summer Of Good Eats : The Grocery Game Challenge 2016 #5 June 27-July 3

FRUGAL PICNIC FOOD IDEAS(1)

ENJOY YOUR FAVOURITE HOMEMADE SUMMER DISHES OUTSIDE   In the heat of summer if you spot a picnic area you’ll likely uncover a trendy food truck with delicious and unique foods that are hard to resist even if the costs are more than you budgeted for. Grocery shopping hungry can be costly and so can having fun on the beach, camping or visiting various summer attractions without any picnic food. Fresh smells of summer foods are everywhere so you either pay for your meals on the go or save money and pack simple picnic food to get you by for the day. Although I’m a fan of food truck creations some of the best picnic food dishes will be homemade and fit nicely into your grocery budget. The purpose of picnic food and enjoying a day away from home is to bring the indoors out and have fun under the sun. You don’t have to bring big pots and burners to make pasta, lobster and other posh foods. Picnic food should be simple and delicious comfort food. If I asked you what your favourite picnic food was I’m sure chicken recipes for picnics such as chicken salad, fried chicken, chicken […]

Caprese Salad Party Dish With A Twist

caprese salad party food with a twist 2(1)

EXPERIENCE THE FRESH FLAVOURS OF SUMMER IN EACH BITE   Hard-core tomato lovers will eat caprese salad for breakfast especially if they can walk out to their back garden to pick all the fresh ingredients that go into making this traditional Italian dish. What is caprese salad? The caprese salad is simple to make and was created to resemble the Italian flag, red, white and green and served as an antipasto to start a meal. You can find caprese salad on restaurant menus and pre-made at the grocery store but the best caprese salad is one that you make at home in your kitchen with the freshest of ingredients. Related: What to do when you have too much basil? A typical caprese salad recipe consists of fresh juicy organic tomatoes cut into thin slices, fresh buffalo mozzarella, tonnes of fresh basil and extra-virgin olive oil. Non-traditional caprese salad also called insalata caprese is drizzled with a balsamic reduction or a fresh lemon vinaigrette seasoned with salt and pepper. You can also add lettuce, garlic, parsley and other fresh herbs to create different variations of the caprese salad which we are doing today. Related: Caprese Salad with Balsamic Honey Reduction Let […]

How I Made My Move To Canada From The UK : The Saturday Weekend Review #178

HOW I MADE MY MOVE TO CANADA FROM THE UK

  THE BEST MOVE I EVER MADE WAS TO MY NEW HOME IN CANADA.   Living in Canada was never on my bucket list until I met the love of my life ten years ago while on vacation. Once I made my move to Canada I never looked back and still haven’t been back to the UK only because starting a new life in Canada has been hectic for the wife and I. Our years have been so busy for us in Canada that it’s taken me this long to get on my feet financially and in a career that I love after going back to school for a second time. Since coming to Canada and going back to school, starting a new career and having a baby we’ve also paid off our mortgage and are debt free. Life is good and we are thankful for everything. We do have plans to head back to the UK for a visit in 2017 but for now we will continue to live the Canadian dream or at least, our dream. As the stock markets tumble after the shock of the UK Referendum (Brexit) where voting determined that the UK was pulling out […]

How To Spot A Money Smart Woman

how to spot a money smart woman

FINANCIALLY SMART WOMEN FINISH RICH AND IT’S NOT ALL ABOUT MONEY   We can add the value “financially stable” or money smart to the list of traits that men are looking for in a woman while in the midst of romancing a relationship. In the past I’ve blogged about finding a frugal man but today I want to focus on men finding a woman who is of the same financial mindset. It may seem like the bottom of the barrel for most of you but for those men who value money the last thing they want is a partner to blow it all away. This is where it’s important to be compatible in terms of wants, needs and desires and why it’s so important to communicate. It doesn’t matter if you are a stay at home mom, stay at home wife or a career woman the money becomes one when you tie the knot. This is why some men are cautious about who they choose to date and for good reason. If a man finds his woman is spending too much money leaving them stuck to pay the bills or unable to save for retirement or to do things with […]

grocery game monthly challenge

Why Free Food Offers Are Attractive Temptations For Shoppers : The Grocery Game Challenge 2016 #4 June 20-26

WHY FREE FOOD OFFERS ARE ATTRACTIVE TO CUSTOMERS

FREE GROCERIES ARE HARD TO PASS UP ESPECIALLY WHEN FOOD PRICES ARE FORCING CANADIANS TO TIGHTEN THE GROCERY BUDGET   Free food offers may seem like a decoy for the unsuspecting shopper but they can save you some cash if you know how to approach these freebies the right way. Go shopping just about anywhere and you will be bombarded with the word “Free” whether it be the grocery store, the mall or your local farmers markets. Free is everywhere and for good reason, it attracts customers. I’ve always had apprehension with free stuff as I believed that there is no such thing as a freebie. Since we came into couponing years ago that mindset has changed but not without caution. I started to notice that free food offers were popping up everywhere. Perhaps my radar was on looking for freebies but in essence it’s a marketing mind game that the manufacturers play with shoppers. A while back I blogged about how certain smells are released into the air to grab the customer’s attention. It works alright as I was hankering for a large double-double coffee while shopping at Staples only to be told by an employee it was a […]

Copy Cat Dairy Queen Chocolate Dipped Bananas (Variations)

CHOCOLATE DIPPED BANANAS 1CHOCOLATE DIPPED BANANAS

THESE FROZEN CHOCOLATE DIPPED BANANAS WILL MELT IN YOUR MOUTH!   These frozen chocolate dipped bananas that I am going to introduce you to today are easy on the budget, simple to make and can be switched about to create different variations.What I love about them is how the banana becomes so creamy as if I’m eating banana chocolate ice-cream. If you have a kid’s birthday party coming up or any other occasion where banana lovers will be these are your easy treats to dish out to the guests. Chocolate is so versatile that we’ve managed to dip just about anything possible in it and call it chocolate dipped something or another. Frozen fruit dipped in chocolate is a decadent dessert that you can easily make or purchase as there are now shops that specialize in chocolate dipped fruit fresh or frozen. Chocolate Dipped Oreo’s Chocolate Dipped Strawberries Chocolate Dipped Peanut Butter Balls Chocolate Dipped Pretzels Chocolate Dipped Asparagus.. haha just kidding. Chocolate Dipped Licorice Chocolate Dipped Pineapple Chocolate Dipped Kiwi If you aren’t craving chocolate yet then this recipe probably isn’t for you. My all-time favourite cold beverages is the Chocolate Banana Monkey. My wife happened to mention to […]

Inexpensive Last-Minute Father’s Day Gifts : The Saturday Weekend Review #177

INEXPENSIVE LAST-MINUTE FATHERS DAY GIFTS

I’VE GOT YOU COVERED FOR JUST IN TIME DIY FATHER’S DAY GIFTS   This will be my second Father’s Day and I’ll admit it’s pretty amazing to mean so much to the little guy we created who adores me inside and out. We’ve started a DIY tradition with our son so he understands the joy of hand-making something as opposed to a quick occasion money grab. Related: Why I won’t be buying my wife a Mother’s Day Gift The best Father’s Day cards are always those that are homemade with love and special attention to detail even if it is a Crayola mess. It’s art to the artist. I’m pretty sure our little boy is going to be hard at work today crafting something special just to say how much he loves me. The feeling I get every time our little guy wants to learn and follow exactly what I do is probably the same my dad had when I was little and still to this day. Since I’m not at home as much as I should be when I do get in our son is glued to me. Every day is Father’s Day for our son and I’m happy […]

Your Personal Financial Report Is More Than Just Numbers : May Net Worth Update 2016 (+2.99%)

Your personal financial report is more than just numbers

FINANCIAL INFORMATION CAN ONLY BE EXTRACTED BY THOSE WHO WANT TO UNDERSTAND HOW THEY ARE DOING WITH THEIR MONEY   If I asked you what your monthly financial report would tell me you might say that you don’t care about what your net worth is or how you should fix underlying problems that lead to money stress if you’re worried about the outcome. If you do care good for you because you’re creating chapters in your financial book and know how important it is to understand your numbers and to run a financial report. Perhaps you were the person I first described above but have since had a changed mindset and wonder what took you so long to jump on board. That’s good we need to continue asking ourselves questions so we dissect the root cause and stop putting a band-aid over the problem. Some people complain about how net worth is calculated and others moan about using a financial advisor to complete investment transactions and that’s fine. Don’t let anyone get under your skin or bully you into thinking there is a right and wrong way and if you don’t follow it you will be poor the rest of […]

grocery game monthly challenge

Why You Must Say YES To Your Grocery Receipt : The Grocery Game Challenge 2016 #3 June 13-19

why you should say yes to your grocery receipt

HERE IS YOUR RECEIPT-NOW TAKE IT OR FORGO IMPORTANT INFORMATION   I never leave a transaction where money is exchanged without proof of purchase especially at the supermarket because that grocery receipt is your financial life-line when using a grocery budget. There’s nothing wrong with being a receipt hog. You need this stuff to balance your budget but that’s not all. Writing this post came to me after I was doing my nosey thing in the grocery line waiting for my turn to put our products on the belt. The guy in front of me who looked like he was in his early 30’s was buying a small shop of milk, bread, steak, corn, mushrooms and a few other bits and bobs. I wasn’t too interested in his shop until my son had a mini tantrum and wanted out of the shopping cart so the wife took him and I waited in line without interruption. Then what happens next is what blows me away every time. The cashier said to the customer, “Would you like your receipt sir?” and he said, “um, no I don’t need it.”  Really? Must be nice to be so fast and free with money. Why […]

Strawberry Cream Cheese Stuffed French Toast

Strawberry Cream Cheese Stuffed French Toast

IMPRESS WITH THIS EASY STUFFED FRENCH TOAST   My wife is the person who introduced me to Canadian French Toast about 9 years ago since back in the UK it’s known as eggie bread which I would top with tomato sauce and not something sweet. The first time my wife made me French toast and drowned it with maple syrup I wasn’t sure what to think. Even worse was the breakfast sausages begging for a life-preserver. Her response, “Everyone likes sausages with maple syrup”.  I’m sure she only said that to entice me to eat it. Actually, I’m 100% sure she did. Related: Learn all about Grade A Canadian Maple Syrup I’ve warmed up to the taste over the years as well putting syrup on my eggie bread along with fresh fruits, yogurt and even hemp seeds. When my wife and I had extra strawberries we decided to create a Strawberry Cream Cheese Stuffed French Toast and you know what, I loved it and I hope you do too!   How do you make French Toast?   The simple way is to take thick sliced white bread of your choice, dip it in an egg mixture which is a couple […]