Makeup And My Beauty Routine Is Going To Bankrupt Me : The Saturday Weekend Review #191

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BEAUTY IS A BIG INDUSTRY THAT CAN SWALLOW YOUR MONEY WITH DESIGNER PROMISES   My wife was talking to her sister on Skype while she was getting ready for work yesterday morning. She was in the bathroom straightening her hair and said she had been up since 5:30am and she was running behind as it was 7am. I’m in the kitchen prepping the pumpkin spice coffee into the coffee pot that was graciously gifted to us by our neighbour for watching his cat while they went on holidays. In the midst of pouring the water in the back of the worst coffee pot ever I’m trying NOT to listen to them chat but it’s hard not to when the topic is about Money. You have to understand something about my wife’s sister, she’s a Hollywood beauty enthusiast and loves everything to do with make-up, body lotions, creams and perfume. Her closet is an entirely different situation but let’s just say in the past 3 weeks she’s donated over 4 garbage bags full and she’s still not done purging at the advice of her mother. When she was younger there was no hiding that she had debt because she was spending […]

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How To Hire The Right Caterer For Your Next Event : The Grocery Game Challenge 2016 #2 Sept 12-18

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THERE’S LOTS TO THINK ABOUT WHEN HIRING A CATERER.   I’m a guy who loves to cook but for smaller crowds. If you asked me to cater an event there’s no way I’d keep up because I simply can’t handle the stress of knowing I might mess up. This is where hiring a caterer comes in handy. The catering business is a big business all over the world because food is love and when there is a special event the caterer is there to ease the stress of the day. Catering is a hard-core business with competition fighting for top spot to take charge of your event. Over the last month I’ve received 2 emails from fans asking me about budgets and catering events they were planning so I thought I would address how to hire the right caterer and some budgeting tips. There are two types of caterers In-house or On Premises Catering (Food is prepared in-house) Off-Premises Catering (Food is brought in) The only reason catering may not be an option for your event is because of a low-budget or availability. Catering comes with a price tag similar to getting restaurant service or fast-food. You get what you […]

Add 1 Cup of Budget Inspection And Watch Your Bread Rise : Our August 2016 Budget Report

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DON’T MAKE THIS MISTAKE WHEN CREATING YOUR FINANCIAL RECIPE.   By mistake I don’t mean turning the oven on and burning your budget either as I know some people despise using a budget. I have nothing against you because what’s yours is yours and what’s mine is mine. Those of you who WANT to get RID of DEBT and build a thundering savings account and sizable retirement fund I have one unique financial tip for you-learn to read a recipe. I’m not the Mike Holmes of Budgeting nor the Jamie Oliver of the kitchen but I do know how to read a recipe and I do know how to use a budget. What I’ve learned is that it’s not about just the planning stage it’s everything in between and on-going maintenance similar to being a homeowner or naked Chef.   Read a recipe and savour your budget   Once you understand the basics of a recipe especially when it comes to baking you will understand just how precise you need to be to have the best product. Finding a recipe you are interested in creating at home means you should read the entire recipe from beginning to end. Today we […]

When You’d Rather Be A Fortuneless Genius Than A Rich Fool

when you'd rather be a fortunate genius than a rich fool

THE TALE OF TWO FINANCIAL MINDSETS   Not everyone aspires to be wealthy because although money can take away the stress of everyday financial obligations it can turn a somewhat happy life into a dull miserable daily routine. Then again the rich fool has no interest in becoming a fortuneless genius when they are motivated to build wealth. Who’s right? Who’s wrong? Neither…   Meet the rich fool   Life should not be about gathering wealth nor having an abundance of possessions as described in the Parable of the Rich Fool. There are plenty of wealthy people who may have all the luxuries they need but daily living becomes somewhat of a low-budget movie. It’s easy to put up walls and blinders to those struggles that are happening around the world when money is no object. The rich fool may not survive life on the other side of their bank account especially if they grew up in a life of luxury. Related: How possessions ruined us and minimalism gave us freedom Having lots of money to travel the world, buy fancy toys, big houses, fast cars and all the things that will frost your life with luxury doesn’t make you […]

Get Up And Chase Dollars With A Game Of No Debt Go : Our July 2016 Budget Report

no debt go game and budget update 2016

TURN YOUR FINANCES INTO A CHALLENGE CHASING WEALTH   If seekers of living the dream would treat their budget and put as much effort into their finances as Pokemon Go players do we’d all be on our way to the bank with a bag full of cash. Do you ever feel that you caged up and running around in circles in your mind because you just can’t get out of debt and financial success seems out of reach? You’re not alone but what one wants one must work at to achieve. It’s amazing how we can take something so simple as a virtual game to get the world off the couch. If we could apply the same determination that I see so many players have roaming around outside to personal improvement we’d all be rich. I’d rather chase my financial dreams and put my effort into fun ways that we can build wealth so we CAN do things we dream of. If you are someone who tends to set low expectations for yourself because you don’t believe you will amount to anything more than you are, give your head a shake. You are worth it. Mindfulness Will Free You From […]

Should I Buy A Cheaper or More Expensive House? : The Saturday Weekend Review #181

SHOULD I BUY A CHEAP HOUSE OR EXPENSIVE HOUSE

DON’T BE A FOOL TOWARDS THE SHIMMER AND SHINE IN THE REAL ESTATE MARKET   The most expensive house in the world is the one you are living in or contemplating purchasing. Owning a home becomes your world even though some people consider a roof over their heads a house and never a home. Buying the most expensive house on the block is not something I would do unless I was paying cash or was 100% certain that I could maintain it even through unforeseen circumstances. The problem is that there are people who aren’t considering what could happen which could promote a for sale sign on their property. Plus, if you think those are expensive homes now just wait and see what happens if you find major issues with the home down the road. Be ready to part with money you thought you had saved for something more than surprise home renovations. Whether you buy a cheap house or an expensive house you are now holding something expensive that could cost you even more.   The hometown living vibe is slowly being lost   Many families are being forced to move away from their hometown mainly Toronto and Vancouver […]

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 […]

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

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 […]

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 […]

Stop Blaming The Government For All Of Your Debt Problems

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 […]