How I keep my kids entertained for free

kids free ducks

Fun Doesn’t Have to Cost a Dime   While I don’t mind paying for an experience with the kids the cost of entertainment can easily escalate taking more money out of your wallet and budget than you may actually be able to afford. How many times have you gone somewhere and after snacks, amusement rides and souvenirs you have spent a lot more money than you anticipated beforehand? No matter the season or the time of year having fun with your kids doesn’t have to cost you an arm and a leg. There are many things that you can do free of charge to keep your little kids occupied. These explorations will teach children life lessons or help them to expand their creative imagination while having some fun at the same time. While you may not always have a souvenir the memories made and the bonding time between parents and kids will last longer than any souvenir you could buy. While playing soccer, baseball and other sports with your kids is definitely time well spent explore your creative side and see what other ideas you can come up with.   Get Outdoors and Explore   There is so much to […]

Free love with a post-it note no calendar required- The Saturday Weekend Review #59

I love you pink post-it note

LOVE DON’T COST A THING   The written form of love even on a post-it note is easy on the wallet and the heart will embrace your uniqueness. Not everyone is comfortable sharing their feelings so writing them down is a great way to express love. No, I’m not busting out into the Jennifer Lopez tune telling the world to put the money away because it’s not what love is all about, but in a way I am. I’m sure you’ve heard enough about Valentine’s Day and how much money men and women spend around the world for this one day every year. Sickening really, to see how we put a date on love and romance when every day should be filled with expressions of love. I wasn’t going to write anything about Valentine’s Day this year because, frankly I didn’t have anything to say that I hadn’t said before. Related: Budgeting for Love on Valentine’s Day I was contacted by The Brighter Life who wanted my Valentine’s Budget ideas so I fired them off in an email and they shared my thoughts on their website yesterday for the world to see. You will notice none of it entails spending […]

Not everything online is free for the taking: PF Weekly Grab a brew #59

red velvet cupcakes with oreo cream cheese frosting

ASK BEFORE YOU TAKE   Be careful what you post online because someone might just think they can use it for free. In fact, it’s true many people do share information online but fail to credit the original owner. Granted, mistakes happen. Could you imagine pouring your heart and soul into a work of art or a hobby of yours online only to have someone take it and use it to make a profit? They are making money… yes dollars off of your skill. I read somewhere once that if you have a skill and are good at it don’t do it for free. What happens if someone just takes it though? You go after them, that’s what you do. Is it worth it to you though? That’s your decision. So why is it ok that someone thinks they can take something that a skilled person created and posted online and use it to make money for themselves? Greed? Maybe.   Protect your stuff   It happens all the time and it’s why I always suggest to try to protect any work that you put online so you have proof that you are the original owner of that work. The […]

What is a high net worth?: January 2014 Net Worth Update

high net worth money grows

BELIEVE IN YOUR OWN WORTH   If you believe you have a high net worth that means you have likely achieved many of the goals you have set out for yourself financially. That’s great. Nothing happens over night unless you win the lottery or something extraordinary happens in your life financially. For most people we put a little bit of money in the buck and hope that it continues to grow into our retirement years so we  have something to look forward to.   High net worth   What is a high net worth? It’s all relative to what your income might be, your savings ability, your debt load, your investments, your age etc. Sometimes we hear that our net worth is high but really it may be high to someone else but not to us because our goals are set and we are aiming to achieve them. When I think high net worth I think being able to live comfortably for the rest of my life being able to do the things that I want to during retirement. I’m working hard now to make sure that the money is there so we don’t have to worry. Not everyone will […]

PF Weekly grab a brew #53: Free excel budget template takes off for 2014

meatball-vegetable-soup

BUDGET ON THE BRAIN?   Unlike New Years diet and exercise videos, budgeting your finances doesn’t have to be painful. Having only enjoyed two days of the New Year I have noticed a common influx from viewing site statistics. My Free Excel Budget Templates for creating your own budgets have been popular to say the least. There is no better time than right now to start your budget and for some eager viewers, they have wasted no time in showing that. The beginning of the year is the best time to start your new budget if you’re already familiar with them or to start your first budget from scratch.   A reason to budget   For some people January bills can be daunting especially after the holiday period. I’m sure there’s always some items you bought before Christmas in the grand hopes of using them and yet failed to utilise them. I’ve done it a few times, I just learned and moved on. That’s what budgeting is all about, learning where your money goes and then correcting the situation. Information is the best tool you have and only you have all the information to start your own budget spread sheet.   Being on a budget is good for […]

Garden Growing Guide: How To Prepare Your Garden

If you are a newbie to gardening and hesitant about how to prepare your garden, then worry no more. I’m here to ease a bit of the worry you may have and build your gardening confidence through practice so you too can join the masses who get out and grow each season. This garden growing guide comes from years of experience and my passion for the outdoors which should help guide you in the right direction. If you have an inherent green thumb or simply want to experiment the time is here to put your gardening plans in motion. Begin the process by figuring out how and where you will plant your vegetable garden this spring. If you are planting a garden to grow your own food for the first time I’d recommend starting off small, get your feet wet before you jump right in. Building up gardening experience over time will lead to a more rewarding experience. How To Start A Garden The first step before even deciding what you are going to grow in the garden should be picking a good location. In an earlier post I talked about growing a garden in a small space if you didn’t have […]

Turning Leaves Into Compost- Where There’s Muck There’s Brass

It’s that time of year again….the leaves have already turned colour and a there’s a good splattering over most people’s lawns that have already fallen. So is now the time to save some money? Sure it is and here’s what I do to save me some money come spring. WHAT DO I DO TO SAVE ME MONEY? Every year I collect up the leaves from the trees in plastic bags, wet them and tie them up with a couple of holes punched in the sides. I personally store them to over winter down the side of the house (mainly because my compost heap is already full), you could start compost heap number 2 if you like depending on the size of your garden. In the spring I’ll empty out roughly two-thirds of the compost bin for use around the garden/pots/baskets and then re-fill with the leaves from the bags interspersed with other roughage. The half rotten mixture will take no time at all to rot down once the weather warms up. WHY I BAG MY LEAVES? The main reason I don’t throw the leaves away in brown yard waste bags is the amount of nutrients they’ll add back into the garden for […]

Why Canadians Love FREE Product Samples?

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EVERYONE LOVES SOMETHING FOR FREE   Do you love Free Product Samples like I do? I’m sure all of us have bought a product and were disappointed by it at some point in our lives whether it was a beauty, cleaning, or food product.  Sometimes, I feel kind of “cheated” when I buy a full-size product for the first time, only to throw it away shortly afterwards. That’s why it’s always a good idea to “try before you buy”. If you are frugal like we are and use coupons you’re better off letting your coupons expire before you use them on full product especially if you haven’t had a chance to use the product before. We like to try and find samples first and we don’t see samples we’ve been successful in the past asking the customer service associate if they have any samples of the product to test. Not all products in-store will have free product samples you can test especially if it’s a taste test or something you need to add to your laundry but if it’s lotions, perfumes or food you might just get lucky. How many of you run to the free sample booth at the […]