I Can Buy It, But Can I Afford It?

I CAN BUY IT BUT CAN I AFFORD IT? SOUNDS PRETTY SIMPLE RIGHT? IT IS!   This last year has been a very educational year for me in terms of finances and managing my money. Every day I am improving and I am further along than I ever thought I could be. I’m actually really enjoying learning everything there is to know about personal finance especially when it comes to my bad habits. Since starting my landscaping business which is a passion of mine, earning extra money has been an eye opener for me. I have also been able to engage in a few money conversations and actually feel comfortable having an idea of what I am talking about. One of those conversations happened just this past weekend.   What can you afford?   I have always enjoyed talking with my one Uncle and this time we talked about money! I loved it! Even more I loved what he shared with me. He mentioned that when he talks finances with people he always brings up the phrase… ‘I can buy it, but can I afford it’?  These were just the words I needed to hear. Simple and easy to say to myself, which […]

Junk To Funk: Some Woman Down The Road Left Me With Hardwood

Turning junk to funk isn’t a side hustle of mine just yet but I do enjoy putting a little elbow grease into something that practically lands in my lap for free. Although I enjoy saving money in our budget picking up junk and taking it from poo to new it is something I will do as long as it doesn’t cost me a fortune in money and time. You can’t just pick up any old crap, sometimes it’s thrown out for a reason.  Free Stuff So as long as I keep finding these freebies, I’ll keep blogging about them especially if it’s saving us money, better yet, making us money. In the past I’ve talked about finding beer cans that my neighbours don’t seem to want to return for the cash. Sure it’s only cents but all us frugal minded and personal finance people know that a few cents can add up to a barrel of money over time.  I found a particularly crusty looking Lawnmower once, but after replacing a couple of parts it only cost me a few bucks and some time to clean it up and it looked brand, spanking, new again. It sure was worth it considering […]

How We Saved $146.90 By Reading The Paper

It’s not everyday reading the paper gets me excited but I sure did this past week. In fact my wife is proud of me and I’m pretty proud of myself for scoring this great deal. For some people money and debt go hand in hand so every time we can save a buck we jump at the chance. I know you are thinking, big deal it’s only $146.90, what are you so excited about? That’s alot of money, that’s why, at least to us it is. Our grocery budget is $235 a month and that chunk of money although small could feed us well for a few weeks. I’m not sure I’d be the only one giving $146.90 up if the offer was on the table. I’m also betting there will be those people who think I’m a cheapskate for doing what I did in order to get this money. Do I care what people think of my money-saving ways? Not really, it’s our money for starters and the store puts the policy in place so consumers “do” take advantage of it. This is one way retailers keep their prices competitive and keep their customers happy. I’d consider myself frugal […]

Shopping Tips We Use To Save Money

Shop and Save The Smart Way Advertisers are brilliantly skilled when it comes to making us believe we are getting more for our money but we have the final say in what we buy. Strategically planning your shopping means you invest some time in saving money in your budget. Shopping can and does cause people to spend more than they earn which leads them to run out of money before the end of the month.  Don’t let that happen to you. Shop smart and plan your shopping and you will see that  the time you invest in your shopping will pay you back over the long-term. Shopping tips we use to save money Shop for Coupons:  We look for online coupons before we shop – Nearly every major company in Canada has a website and includes coupon codes, promos and printable coupons. Keep an eye out for coupon codes that also promote free shipping as that sometimes can add up when you check out. We also use coupons that the manufacturer has put out for consumers. Shop In Bulk:If there is a product that we use often and the price is right we buy it in bulk. For example: We like to […]

The Celebrate Like Scrooge Christmas Gift Exchange

Now I know that old Ebenezer Scrooge has a reputation, and it isn’t as a suave investor or brilliant saver. I imagine him walking about in a house coat with a grimace and a hook for a nose. Not exactly the kind of guy I want babysitting my three kiddos. But let’s not deny that he was a hard worker who amassed a large fortune by spending very little and sacrificing where required. Besides his gruff exterior and dislike for Christmas, isn’t he just a wise spender! There is a lesson here, I can sense it In honour of Ebenezer Scrooge’s wise habits I am going to change my giving this year and would like to have you join me in this new tradition. I am going to cut back on non-essential gift giving, and definitely not go into debt while shopping. That’s right! I am going against the social norm to start a new tradition. No more generic $20.00 trinket or gift card. My friends and I are going to give each other crap from our basement. To participate with me, just find something hideous or broken in your basement and wrap it up in newsprint to give to some poor sucker in a Christmas […]

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