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

Why Free Food Offers Are Attractive Temptations For Shoppers : The Grocery Game Challenge 2016 #4 June 20-26

WHY FREE FOOD OFFERS ARE ATTRACTIVE TO CUSTOMERS

FREE GROCERIES ARE HARD TO PASS UP ESPECIALLY WHEN FOOD PRICES ARE FORCING CANADIANS TO TIGHTEN THE GROCERY BUDGET   Free food offers may seem like a decoy for the unsuspecting shopper but they can save you some cash if you know how to approach these freebies the right way. Go shopping just about anywhere and you will be bombarded with the word “Free” whether it be the grocery store, the mall or your local farmers markets. Free is everywhere and for good reason, it attracts customers. I’ve always had apprehension with free stuff as I believed that there is no such thing as a freebie. Since we came into couponing years ago that mindset has changed but not without caution. I started to notice that free food offers were popping up everywhere. Perhaps my radar was on looking for freebies but in essence it’s a marketing mind game that the manufacturers play with shoppers. A while back I blogged about how certain smells are released into the air to grab the customer’s attention. It works alright as I was hankering for a large double-double coffee while shopping at Staples only to be told by an employee it was a […]

Inexpensive Last-Minute Father’s Day Gifts : The Saturday Weekend Review #177

INEXPENSIVE LAST-MINUTE FATHERS DAY GIFTS

I’VE GOT YOU COVERED FOR JUST IN TIME DIY FATHER’S DAY GIFTS   This will be my second Father’s Day and I’ll admit it’s pretty amazing to mean so much to the little guy we created who adores me inside and out. We’ve started a DIY tradition with our son so he understands the joy of hand-making something as opposed to a quick occasion money grab. Related: Why I won’t be buying my wife a Mother’s Day Gift The best Father’s Day cards are always those that are homemade with love and special attention to detail even if it is a Crayola mess. It’s art to the artist. I’m pretty sure our little boy is going to be hard at work today crafting something special just to say how much he loves me. The feeling I get every time our little guy wants to learn and follow exactly what I do is probably the same my dad had when I was little and still to this day. Since I’m not at home as much as I should be when I do get in our son is glued to me. Every day is Father’s Day for our son and I’m happy […]

Your Personal Financial Report Is More Than Just Numbers : May Net Worth Update 2016 (+2.99%)

Your personal financial report is more than just numbers

FINANCIAL INFORMATION CAN ONLY BE EXTRACTED BY THOSE WHO WANT TO UNDERSTAND HOW THEY ARE DOING WITH THEIR MONEY   If I asked you what your monthly financial report would tell me you might say that you don’t care about what your net worth is or how you should fix underlying problems that lead to money stress if you’re worried about the outcome. If you do care good for you because you’re creating chapters in your financial book and know how important it is to understand your numbers and to run a financial report. Perhaps you were the person I first described above but have since had a changed mindset and wonder what took you so long to jump on board. That’s good we need to continue asking ourselves questions so we dissect the root cause and stop putting a band-aid over the problem. Some people complain about how net worth is calculated and others moan about using a financial advisor to complete investment transactions and that’s fine. Don’t let anyone get under your skin or bully you into thinking there is a right and wrong way and if you don’t follow it you will be poor the rest of […]

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 […]

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 […]

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 […]