5 Vital Personal Budget Audit Questions To Consider


DEBT FREEDOM CAN HAPPEN AS LONG AS YOU PREPARE, EXECUTE AND EVALUATE.   A budget audit really is serious stuff not to be missed or forgotten. No excuses. If you don’t care about how your budget is working for you stop reading this post now and get on with your day. If debt freedom is on your to-do list then continue to learn how we audit our budget and the importance of continuing to do so even when you have no debt. Become a leader and do not simply focus on short-term results or you’ll miss important financial opportunities. Giving your budget the once-over is never enough especially if you are serious about saving money, paying bills and becoming debt free so you can continue to build wealth. This is your opportunity to be the big boss, the one in charge of something so important that it could make or break you financially. How do you think the rich get richer? Well, not all of them do but when you have money you can build your empire if you do it right. I can assure you the financially savvy rich folk don’t spend money frivolously unless they have so much […]

grocery game monthly challenge

5 Supermarket Annoyances That Cost You More To Buy Groceries : The Grocery Game Challenge 2016 #3 Oct 17-23


AVOID IRRITATING PITFALLS AND YOU’LL SAVE YOUR GROCERY BUDGET FROM EXPANSION   This week I wanted to focus on changes that grocery stores could embrace that would make grocery shopping easier so I’ve broken down some of the most common annoyances that customers face. Today when we buy groceries it has gone from something simple to a bit overwhelming at times now that we are parents. Over the past nine years of grocery shopping in Canada I’ve noticed a trend at every grocery store that I go to and that is marketing differs across the board. It becomes a tug of war between the shops and the customers and in the end all I ever see is a packed parking lot at Costco. We’re a country driven by convenience and it shows. No grocery store is alike even though they may offer similar rewards programs and the same products. Every grocery store needs to have a face and by that I mean they must stand out whether it’s in a big way or by multiple smaller reasons to herd the customers in week after week. That’s how they make their money or in part. You might not want to shop […]

How We Used The Back Door To Get Ahead Financially : September Net Worth Update (+0.60%)


WE WANTED CHANGE AND WE HAD A CHOICE SO WE DECIDED TO TAKE A CHANCE.   The best use of the letter “C” that I’ve ever made to get ahead in life but it was far from easy. Wouldn’t it be nice to be debt free, financially independent and successful? You’re right it would be like removing a rock from over an ant only to see it still smiling with relief that someone figured out how to save it without crushing him to death. Just because you have a heavy weight sitting on your shoulders that keeps your mind over-thinking day and night doesn’t mean you are defeated and your life is over. It simply means you need to start thinking about taking risks while considering change in your life to get ahead of the money game. It sure would be nice walking through the front door after a lottery win, inheriting big money or graduating from school with a full-scholarship and career offer on the table. Oh, how that would be glorious and for some it is a reality but don’t get your hopes up on dreams unless you follow through to bring them to reality. Since I’ve moved […]

grocery game monthly challenge

15 Valuable Grocery Store Services For Customer Retention: The Grocery Game Challenge 2016 #2 Oct 10-16


SECRETLY WE ALL HAVE OUR FAVOURITE GROCERY STORE THAT CATERS TO OUR NEEDS.   Have you ever asked yourself why you seem to frequent a grocery store over the others in the city or town that you live in? Think about this for a second and ask yourself what grocery store services are offered where you shop that keep you going back week after week. Maybe it’s not grocery store services, rather proximity and even then there are services that you’d miss if the grocery store took them away. Every one of us are different with different needs when we grocery shop. Some of us might care about certain grocery store services where the next customer could care less because there is no impact. It’s not a big deal to me to see a lottery booth at the grocery store because I don’t buy lottery tickets any longer. For a weekly lottery player this is one of those grocery store services that helps them save time and is convenient. My wife remembers when she would go grocery shopping with her grandmother that her grandfather would check his tickets and run his numbers for the next draw while she shopped. You […]

How To Create Thanksgiving Traditions With Your Family : The Saturday Weekend Review #193


GIVING THANKS SHOULD BE THE EASIEST PART OF YOUR DAY   The second Monday in October every year is Thanksgiving Day where we give thanks and appreciation for all the good in our lives. This is one time of year where I explore my life and how thankful I am for all the wonderful things I’ve been given the opportunity to experience. The birth of our son just two years ago was the biggest blessing of all for my wife and I and there isn’t a day that goes by that we aren’t thankful that he’s in our life. We’re also thankful that we’ve managed to almost hit the 10 year anniversary mark this year without getting divorced which is so common these days and I can understand why. Parenting is tough stuff and can be very overwhelming for any couple. Starting a new life in Canada with my beautiful wife, having to go back to school, buy a house, have a baby and work lots of hours while trying keep the family afloat has been charged at times but our love is deep. Three things that work for us is to always give thanks, say I’m sorry and I […]