Forever Debt “Spend Money Like You Have It”: The Saturday Weekend Review #176

Spend Money Like You Have It...If You Don't Mind Forever Debt

LIFE GIVES US OPTIONS AND WE MUST DEAL WITH THE CONSEQUENCES OF OUR CHOICES EVEN IF IT’S A COMMON SENSE LESSON   Since Father’s Day is around the corner I thought this email from a fan was fitting and likely one of the reasons she submitted it when she did. A timely lesson about wealth, money and debt. Liz learned her lesson the hard way and now she’s digging her way out of $50,000 worth of  potentialforever debt because she believed that if you spend money like you have it then everyone will think you’re successful. That’s the situation which 30 year-old Liz is battling now that she is done University, living on her own and has nothing or nobody to fall back on, not even her credit cards. The safety net which she called “plastic” has since been cut up and she was forced to put herself on a cash diet and a strict budget. Her story details the life of an entitled child who was handed choices but with consequences just like any other person. No one likes to succumb to a tight budget but you if you spend money like you have it then you must suffer […]

There’s One Major Budget Tool Needed For Success : Our May 2016 Budget Report

THERE'S ONE MAJOR BUDGET TOOL NEEDED FOR SUCCESS

MAKE MONEY NOW, SAVE IT, SPEND IT AND START ALL OVER AGAIN   If another month has come and gone and you have failed to balance your budget that doesn’t mean your efforts failed you. It simply means you need to focus on budget categories that need attention, bringing in more money and spending less. There is one tool more important than all of the above especially for people who give up on budgeting because it’s not working for them. If you’re not already doing this, you should be. Let me explain. For starters please don’t forget that there will never be a perfect budget as it will always have flaws. Even we have good months and bad months and we’re debt free which wasn’t an easy journey. What you have saved in the bank or with investments has nothing to do with whether you meet your monthly budget goals.   Find this tool and you’ll succeed   I’m afraid the one tool that you need to start using a budget is not an actual budget, that comes after and to be honest doesn’t take that much effort. With all the free budget spreadsheets available online it’s easy peasy. What […]

grocery game monthly challenge

How to include Fresh Produce In Your Diet When Prices Are High : The Grocery Game Challenge 2016 #2 June 6-12

how to include fresh produce in your diet on a tight budget

DON’T LET THE PRICE OF FRESH PRODUCE SCARE YOU AWAY FROM ENJOYING DELICIOUS MEALS   No matter where you grocery shop these days you may have noticed an increase in the price for fresh produce. These price hikes can significantly impact any grocery budget however it is still possible to enjoy your fresh vegetables and fresh fruit without having to resort to frozen alternatives. Tracking your expenses and having a grocery budget are a must for any household but if your grocery budget is tight you may have to make cut-backs or find other savings on items you need to ensure you incorporate nutritious fresh produce into your meals. I was reading an article about the high food prices driving consumers away from fresh produce and into the freezer section where options like frozen vegetables and fruit along with fruit juice seem to be the frugal option for those on a tight budget. Soaring produce prices have been a hot topic recently. Fresh vegetable costs rose 11.7 per cent and fresh fruit prices increased 11 per cent year-over-year in April, according to Statistics Canada’s most recent consumer price index report It’s important to remember that you can find ways to […]

The Perfect Vanilla Ice-Cream Sandwich (Low-Carb)

VANILLA ICE-CREAM SANDWICH (LOW-CARB)

A HOMEMADE SUGAR-FREE TREAT THAT IS LOW-CARB AND PERFECT WHEN YOU CRAVE SOMETHING SWEET   My wife was in the mood for something sweet the other night and kept bugging me to help her create a vanilla ice-cream sandwich treat for the summer. I got to work making the cookie base for the vanilla ice-cream sandwich which wasn’t easy and took me a few tries. The tender cookies don’t take long to make however it’s the batter consistency that you need to watch out for. The cookie batter should look frothy and not dense. When I eat an ice-cream sandwich I don’t want to have a hard cookie base. You expect to bite into an ice-cream sandwich where your teeth sink through the soft cookie, into the ice-cream and again through another cookie. I am not a fan of the ice-cream sandwich with the hard cookie as I find the ice-cream squashes out too easily and a big mess is born. Don’t get me wrong they taste good and I wouldn’t turn one down but for my wife I knew that being on a low-carb diet that most cookies that we create do come out of the oven moist. The […]

How to Host a Community Garage Sale this Summer : The Saturday Weekend Review #175

how to host a community garage sale this summer

  SELL YOUR STUFF WITH YOUR NEIGHBOURS TO DRIVE MORE TRAFFIC TO YOUR GARAGE SALE!   Last week we received an email from our neighbourhood group about organizing a massive community garage sale this summer once again. Hosting a garage sale is a great opportunity to shed some excess weight of stuff collecting dust around the house. My wife and I often joke about how our home has become filled with so much stuff especially since our son was born almost two years ago. Before then we moved into this house with the clothes, an air mattress and a dining room table and chairs. That’s it! Oh and our computers and a treadmill. There wasn’t much to our move from a basement room we rented to our now quiet haven since we couldn’t stash too much stuff. In no time with our passion for second-hand shopping, garage sales and people gifting free items to us we’ve got too much stuff. Our basement is just over 1000 square feet and it’s full…and I mean full. To be fair it’s not all junk and stuff it’s mainly renovation materials that we purchased before our son was born such as bathroom vanities, mirrors, […]

The Poorest People Are Often The Most Generous

THE POOREST PEOPLE ARE OFTEN THE MOST GENEROUS

MONEY IS ONLY A SMALL PART OF THE GENEROSITY YOU WILL EXPERIENCE WHEN FACED IN A TIME OF NEED.   A rich person may believe they are poor if they compare themselves to the next millionaire or billionaire on the block. Just about anyone can believe they are living the poorest life because of debt and low-income depending on how they approach their situation. This means that the poorest people could actually be the richest, so it all boils down to perspective. Don’t let the title fool you. When I saw a photo tonight of a boy who hardly eats handing the photographer his second lollipop. I had no words but I know the child must have done this because he knows what it’s like to go without. He knows that empty feeling and he wouldn’t wish it on anyone. Sharing comes natural to those who understand the circumstances. A research study by PhD candidate at Berkeley, Paul Piff between had the rich and the poor imagining themselves in opposite situations by viewing sympathy inducing videos. The results were the poor became less altruistic and the rich more generous. “Empathy and compassion are the key ingredients in the generosity of […]

grocery game monthly challenge

How Cooking Classes Can Save You Big Bucks! : The Grocery Game Challenge 2016 #1 May 30-June 5

HOW COOKING CLASSES

LEARN TO COOK AND BECOME THE CHEF IN YOUR HOME KITCHEN   Cooking classes have always been popular and will likely continue to be hot on the bucket list of many who want to learn how to cook starting from basic skills all the way to foreign cuisines. One of the best culinary schools in the world is in your parents kitchen especially if your mom and dad love to cook. That’s how I learned to cook when I was young which opened my intrigue into the world of food prep and cultural meals. From there I became a world traveller and tried to visit as many countries as I could before I moved to Canada where I continue to enjoy new cuisine. Through those experiences I learned just how wonderful food from around the world was but most importantly how they were prepared and cultural knowledge.   Eat at home     Even in the UK I hardly ever ate out because cooking at home was my pride and joy. Plus, it was far cheaper and rewarding for me. Learning to cook new foods means you’ll likely eat out less because your cooking at home which means you spend less […]

Crispy Parmesan Crusted Baked Zucchini Chips (Low-Carb)

PARMESAN CRUSTED BAKED ZUCCHINI CHIPS LOW-CARB SNACK

GET YOUR CRUNCH ON WITH THESE EASY TO MAKE BAKED ZUCCHINI CHIPS!   When we found out that we could use baby zucchini to make chips right away we knew we wanted to try it out for ourselves. The final verdict wasn’t as crispy as we had thought but we perfected them so now they are the perfect Crispy Parmesan Crusted Baked Zucchini Chips. Baked chips can be just as delicious as chips that are deep-fried in oil. By all means you could deep-fry these zucchini chips to get a crisper texture if you prefer them that way. When should you buy zucchini? Anytime is a good time but if it’s price point you are after always stick to fruits and vegetables that are in season. If you are at the grocery store especially in the Spring and Summer you will find baby green zucchini for a great deal. Most times we can find it for about $0.99lb which is a great price apart from growing it yourself. My father-in-law grows zucchini throughout the summer and my mother-in-law makes gorgeous zucchini fritters that we dip in maple syrup. I’ll make that recipe for all of you once we get some […]

Why Personal Touch Matters When Selling Your House : The Saturday Weekend Review #174

why personal touch matters when selling your house

CREATE A HOUSE LISTING THAT TALKS AND A HOME THAT SURPRISES POTENTIAL BUYERS WITH VISUAL CHARM   Personal touch is going beyond house staging when you’re trying to sell your house fast and for top dollar, it’s about appeal and capturing your audience. Everyone has tips for selling your house and for the most part they are likely good tips to follow but not everyone is trying to find a home that smells like roses. Before even considering putting your house on the market take care of curb appeal and personal appeal surrounding the inside and outside of your home. Related: Staging empty expensive homes with families for cheap rent when selling a house Today, I’m going to talk about the personal allure that will capture your buying audience from the inside of your home. From low-lit rooms, soft music playing in the background to pleasant smells you’re on your way to signing paperwork that will get your house SOLD! The very first thing that will drive traffic to your upcoming property for sale or open house will be your house listing. It’s imperative that you dress your listing with all the essentials but leave some unanswered questions to draw […]

Family Sacrifices For Financial Freedom Pays Off

FAMILY SACRIFICS FOR FINANCIAL FREEDOM PAYS OFF

BEING ABLE TO SLEEP AT NIGHT WITHOUT DEBT WORRY FOR YOUR FAMILY IS ONE OF THE BEST FEELINGS IN THE FINANCIAL WORLD   I want to earn money fast, I want to earn money now, I want financial freedom so I don’t have to worry about money down the road. There are people who constantly strive to set goals, budget, work long hours at home or away from home to make sure their retirement years are golden. What this means is that the family will make sacrifices to achieve such financial goals sometimes at an unbalanced cost. Is it really worth being away from your family for 6 or 7 days a week? For the past 2 years I’ve been that guy who is working 6-7 days a week at two full-time jobs. One is my dream job that is currently contract and the other is full-time in my field of expertise but on a different playing field. What keeps me going is my family and the fact that I can retire early if I want to and with a defined benefits package, investments and no mortgage. That fuels the frugal fire. Related: How to retire early- A Beginners Guide […]

grocery game monthly challenge

How To Train Your Spouse To Be A Clever Clogs Food Shopper : The Grocery Game Challenge 2016 #4 May 23-29

HOW TO TRAIN YOUR SPOUSE TO BE A CLEVER CLOGS FOOD SHOPPER

THERE’S NO SHAME IN LEARNING HOW TO BE A SMART SHOPPER   I’m sure that you’ve met someone who thinks they are a clever clogs when it comes to knowing everything about anything there is to know in life. Some may profess to be an expert only to lack the skills needed to complete a task such as being the household food shopper. If you’re tired of always having to do the food shopping because your spouse doesn’t want to take the time to follow your frugal lead then it’s time to get them on-board with a bit of Grocery-101. What is a clever clogs? A bit of humour in this post to get your attention but serious stuff if you are struggling to meet your grocery budget needs because you or your spouse is not participating in the process. The word clever clogs originates in the UK so it’s certainly a term I’m familiar with and now you are. If you’re child is a fan of the television cartoon Peppa Pig you’ll have heard that Edmond Elephant is a bit of a clever clogs. This means a clever clogs is someone who is too clever or commonly called a […]