Stop Blaming The Government For All Of Your Debt Problems

DEBT= Don’t Ever Buy Things On Credit   Debt for most Canadians is still a reality and likely will be for a long time unless something changes but not necessarily from a political aspect but a personal one. Is the Canadian government to blame for all of our debt problems or should we start taking responsibility for the way we are spending and saving money? The past few days I’ve spent what little free time I have in between working 7 days a week, family responsibility and blogging to catch up with what’s happening in the world of Canadian Finance. With the internet flooded with resent for the Wynne Liberal government who are under fire right now especially with the increase in hydro costs that are creating energy poverty for Canadians who simply can’t afford to pay these price hikes. Our hydro has more than doubled in the past year and our habits have not changed which means we continue to be conscious of utility usage. What’s even worse is there are plans in the works to phase out natural gas, homes will need an energy audit when put up for sale and renovations based on energy efficiency. This is […]

I’m Not Spending A Dime On My Wife For Mother’s Day : The Saturday Weekend Review #171

  REACH INTO YOUR HEART AND PULL OUT LOVE NOT MONEY   Now that my wife is a mother and I’m a father we have become part of the Mother’s Day and Father’s Day elite but both of us have chosen not to budget any money for these special days and I’ll tell you why. Everywhere I turn there is another store sign, flyer or online advertisement for Mother’s Day must-have gifts such as Jewellery, Trips, Candle-Lit Dinners, Fresh Flowers, Hand-made chocolates, Day at the Spa. I’m not against any of these extravagant Mother’s Day gifts but to me it seems to take away from the purpose of the day, to celebrate our mother. Not everyone has their mother with them but they are still celebrated with memories and a deep love from with-in the heart. These are some of the ways we need to celebrate Mother’s Day, not lavish gifts. Certainly you could do both but there are plenty of ways to say I love you Mom that doesn’t have to cost you a small fortune. When is Mother’s Day? This year Mother’s Day is on Sunday, May 8, 2016 in Canada. My wife is simple and frugal which […]

Why Alberta has the Highest Consumer Debt in Canada

YOUR DEBT YOUR LIFE   Experiencing some level of debt is quite normal and in most cases necessary for Canadians to live full lives with families and careers. At some point you may say to yourself, I’m going to buy a house, a car and even more, some have families. Children are a huge expense and unexpected costs become a reality as you adapt to parenthood. Yes, we all know how easily personal debt can be created and accumulated and tough to get rid of. We take on credit card debt, mortgage loans and car leases and do our best to work and stay on top of our personal finances. In recent years, household debt in the homes of Canadians has steadily increased on average and the Province of Alberta has had a spotlight on it ever since. Related: What pushes people over the edge financially Today we’re looking at why newspapers and financial journalists have reported for years on the state of debt in this province since its role as an energy exporter in Canada’s economy is unique and the consequences financially have in past years seemed overwhelming. With the national average household debt ratio quite high in Canada, […]

What’s in your pockets? : The Saturday Weekend Review #63

CHECK THEM TWICE   Empty out your pockets folks, then donate. Donating pants, shirts, toys, furniture etc. to second-hand shops is a great way to help others out who are looking for a bargain. How many of you check through each article of clothing or furniture that you donate before you let someone haul it away? Probably many of you can come forward right now to say you are guilty of not checking pockets before you donate. If you plan to donate clothes make sure you know where that last mustard stain landed just in case you are that one person who forgets a wad of money in the pocket before you give them away. If you are like me you don’t like to keep every penny you own tied up in a bank or investment. You have a stash of money at home although nothing serious enough to go rampant over if it was misplaced it’s simply a bit of cash to get you by if you need some cash. I for one like to keep my money in the bank and don’t keep excess amounts of cash lying around the house although some people come up with unique […]

PF Weekly grab a brew #45: Butt out that smoke with kids in the car

ONLY YOU CAN MAKE THE DECISION TO BUTT OUT Kids don’t always have a voice when it comes to people smoking around them so we must be their voice and butt out. No one likes second-hand smoke and I understand that more than ever since I am now officially a non-smoker. Saving money in the budget is only one perk to butting out or smoking less for those who are working on kicking the habit. The most important perk is that it is saving your health from potential self-inflicting problems which many can avoid simply by giving up this habit. On Thursday the government of Alberta introduced a law Bill 33 of The Tobacco Reduction Amendment Act that if you have anyone under the age of 18 in your vehicle you are no longer able to smoke in the vehicle with them present. There may be a health savings aspect to this new proposed law but it also might save you some money in the budget if you aren’t smoking as much as you used or were allowed to. Growing up my parents did not smoke so I did not have to worry about them smoking in the vehicle when […]

Top 5 things I love about Canada

Canada, A Place To Call Home   Since today is Canada Day I thought I would share my top 5 things I love about Canada and why I’m proud to be a permanent resident in Canada. I used to be a Canadian tourist and now I get to share my stories in hopes of inspiring those who want to visit Canada or move to Canada. Related: How I made my move to Canada from the UK Sometimes I still can’t believe that I am living in Canada a land that I never thought would pop onto my radar, but here I am. It’s been almost six years now since I landed in this beautiful country not knowing where my life was going to take me. What I knew at the time was that I had a beautiful wife who I was and still am deeply in love with to take me under her wing and show me the ropes.   Career and Education   Moving to a country where you don’t speak the same language is a challenge but moving to a country where you do speak the same language can be frustrating. Since moving here I really did have to […]

grocery game monthly challenge

The Grocery Game Challenge October 1-7, 2012-Giving Thanks!

It’s October already can you believe it with Thanksgiving knocking on our door and the scary monsters are anticipating the fun of trick or treating. It’s that time when we give thanks for all the blessings in our life and appreciate this beautiful world we have been given to live in. Take the time to thank those that have helped you in any way even if it is opening a door or making you smile. The power of the spoken word can make someone’s day a little brighter, especially those that don’t hear it often enough. The Grocery Game Challenge has been going on almost all year now and we are a few short months away from seeing how we made out for the year. Although I suggest checking in every few months to make sure you are on track for the most part if you stick to your budget you should hit the mark. We are aiming to ramp up our goals for next year and make some new changes with our grocery budget. We hope the changes will allow us to better get a grip on our expenses. I’ve also updated the grocery game template that will help us […]