The costs of fertility treatments to create a miracle

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A  STORY OF A COUPLES STRUGGLE   Fertility treatment centers across Canada are visited every day from couples who are struggling to conceive. Each week I find that someone is coming to the blog looking for answers on the costs of fertility treatments, ovulation tests, what infertility is, fertility calendars, fertility calculators and so on. The reality is there are not always any real answers and the doctors will put you through a series of tests and medications that will cost you out-of-pocket if you don’t have the benefits coverage to pay. Many couples will go into debt or use their life savings for an ounce of hope and stop at nothing from re-mortgaging their homes, borrowing money or using credit cards to fund fertility treatments. Sadly, not every treatment has a happy ending and costs can mount up month after month, year after year. If both your fallopian tubes are blocked In Vitro Fertilization (IVF) is not covered under OHIP but the province of Ontario will cover a portion of the costs of IVF but when they say a portion it’s a small portion. Costs can run you upwards of $12,000-$14,000  including medications depending on where you go. A […]

Life Events: Preparing your baby budget

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BUDGETING FOR YOUR NEW BABY   First time parents are not going to be shocked to learn that bringing their baby into this world is going to cost them some money. Think of everything that you use to care for yourself in a day, then keep adding to that list diapers, formula and so on.  Having worked these costs into your budget and possibly adding some new categories to your baby budget such as baby categories will help to ease some of the stress of just how much of money you will spend. If you don’t have a budget you can download Mr.CBB’s free excel budget spreadsheet which has a sheet for every month of the year and you can customize categories as you need. As a mom of two children I can safely say that I’ve learned what I need to buy and what I don’t need to buy over the years but the final call is up to you. Being informed is the first step in preparing for the arrival of your baby. How to save money when having a baby? That’s a good question because the expenses of having a baby can grow exponentially if you aren’t […]

The cost of the big O…ovulation tests that is!

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TIMING IS CRITICAL WHEN PLANNING A FAMILY   Knowing when you ovulate is exciting but later finding out you are pregnant is an overwhelming feeling of excitement and is something that many women look forward to in life. For some conceiving a child is easier than it is for others who may require a little extra effort, planning and some money invested. Timing is everything when planning to start a family and though for some more extreme measures may be required in order to kick-start the process beginning with a fertility calendar and knowing when you ovulate. Knowing when a woman is ovulating is one piece of information that may help to ease or prevent some of the worry that may be associated when reading a negative pregnancy test.   What is ovulation?   Ovulation simply means the release of one or many eggs from your ovaries waiting to get fertilized by healthy waiting sperm. This is the time where it is critical that you make sure there is sperm waiting for the egg in order to get pregnant although this doesn’t always happen for everyone. When a woman ovulates and releases an egg it has now been separated from […]

Kids: Healthy lunches and a happy budget

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Making Healthy Choices and Minimizing Food Waste   Trying to balance healthy lunches and the grocery budget is much easier than you think if you eliminate the convenience. Having a picky eater in your house can certainly present some challenges when it comes to ensuring healthy lunches at school for your son or daughter. I swear my son has been a picky eater since the minute he was born so when it came time for him to go to school the thought of him not eating his lunch or not having enough to eat while at school had me worried.   Time for change   My son’s first year of school was a tricky one as it seemed that whatever I sent to school for lunch with him ended up coming home. Looking back on his first year I realized there was a lot of food waste and wasted money in our grocery budget. At this point I was not only concerned about him not eating enough but this also made me realize that I needed to change my approach to cut down on money being thrown away. Pizza day is by far still my favourite day of the month, […]

How to kung fu your way out of money manipulation

The Master Manipulator Gets What They Want I don’t know how true that is about a master manipulator but you can bet they started their mental manipulative techniques from a young age even if they didn’t realize they were doing it. Most people have no idea the way they come across to other people which can make them seem as if they are manipulators who always want something for nothing. They may also try to make someone feel awful if they don’t give in to the psychological manipulation that some people bestow upon them because they think they can. Manipulators Some of us are used to being taken advantage of at work when co-workers or even management rely on them so heavily that you feel guilty when you say no or they almost manipulate you into feeling that you are the only one to get the job done. That’s a tough spot to be in but so is when people especially loved ones use manipulators to get what they want from you including your money. While my friend a single-parent was visiting with his daughter recently I wanted to work with them both to show his daughter that not everything […]

How to motivate picky eaters in your family

By: Katrina I know I am not alone when I say my kids are picky eaters as I’m sure many parents have to go through what I do. There are ways to motivate children to eat, so all is not lost. As long as you are willing to work with your kids to introduce them to good foods, you might just surprise yourself when they eat foods you never dreamed they would. I wish my children would eat more and want to eat healthier foods rather than processed foods which I try very hard not to purchase. I am almost 5 years into motherhood and every day and I find myself trying to find multiple ways to encourage them to eat better or ways to hide the good stuff in our meals. It is a constant struggle but something that is very important to me and obviously their well-being. I realize now that everything takes time so little by little I invest the time to teach my children about food. My daughter is the less picky of my two but still has her moments and recently I was told that our doctor would like to see my son put on […]

Teenage Pregnancy: Couple Makes Amazing Life Changes and A Budget!

This is going to be one of those teenage pregnancy stories with a happy ending for both of us who are now happily married with a darling son.The path that takes us to where we are today was not paved with gold, it took hard work and we created opportunities. I hope our story inspires, motivates and encourages other teenagers to take a step forward, challenge themselves and make a change. My Story, Our Life I grew up in suburban Winnipeg in your typical middle class Canadian neighbourhood although I never really felt middle class. My parents separated when I was 3, and divorced when I was 7 years old. As common as divorce is, it certainly didn’t feel that way to me. My mother did the best she could to provide us with the necessities  and we never went hungry. It just felt that we did because everyone else had so much more, like a car or a microwave. It always felt like it mattered to me not having the best of everything which others all had. I soon realized that it didn’t, after all, how many dolls does one kid need? School and Work School was always easy for me and in my circle […]

Three Hands And An Action Plan~I’m A Mom On The Go!

Three hands and an action plan, that’s what I have because I’m a mom on the go. Any mom will tell you there’s never a dull moment and always something that has to get done and something that needed to get done yesterday. Welcome everyone to Katrina’s life as I share with you how I manage my time with my career, my kids and my personal finances. ‘I don’t know how you do it’, ‘I wish I had your energy’ and even ‘You’re crazy!’ are just a few of the things I’ve heard over the last 3 years. Crazy sounds accurate to me some days and I can honestly say I do not always know myself how I do it! I’m a single career mom who works on average 30 hours a week, landscape on the side to make extra income and care for my two kids on my own. On the home-front although I do not own my home, I take care of the entire property and as much of the home maintenance that I am capable of. I also started couponing about a year ago with Coupon Christine who introduced me to Mr.CBB at Canadian Budget Binder. It wasn’t long until I was hooked on the idea […]