How to become Financially Free in a How To World : March Net Worth Update (+1.46%)

HOW TO LOSE A GUY IN 10 DAYS…   Remember that movie? Even the relationship industry has poured their hearts out to those in need of motivation for years and making a mint from it. Why? The words How and To can be compared to gold because finding the answers to something you need or want is a relief, a big one. Becoming financially free was something I wanted from a young age even though I was still learning about what the heck it meant. All I knew is that if you needed something you had to have money to pay for it. I knew that you had to work to make money and that it wasn’t always easy to find a job unless you specialized in something that was needed. I ask myself, ‘How to’ do something when I don’t understand what I’m doing and Google it. I did lots of that when I was in University and I still do it today for just about anything I need clarification on. Is it all true what we read online? No, so before you rush out to make millions of dollars from licking envelopes be ready to embrace the good, […]

How To Overcome Laziness And Save Money In 5 Steps

If you want to overcome laziness and save money then it’s up to you to make changes to your life. Overcoming laziness and procrastination are the hardest things for many people to do that don’t have clear goals in life. Even if they do they probably don’t like the path they are on if they are not willing to change or have some sort of enthusiasm about why they need to get something done. I’ve heard it all before when it comes to budgeting, how we don’t have time, it’s not worth our time, it makes no sense, but we need to find a way out of debt because we are drowning in it. Own up to your debts and make it right, do something about it. Not all people are lazy, some people are simply unable to do things on their own and those aren’t the people I’m talking about today. Many people with disabilities or seniors would love to do so much more but are simply unable to do so. Sometimes  age, illness and disability come at a premium because you have to hire others to help you get jobs done that you really want to do on […]

How To Price Garage Sale Items

Pricing for a garage sale can be hit or miss these days so it’s always important as a buyer to keep your eyes open to score a great deal. Now that the sun is out in full force It’s that time of year again where garage sale signs are popping up all over the neighbourhoods. I urge you to keep in mind the garage sale health Canada warning of what you can and can’t sell to the public at a garage sale when pricing your garage sale items. A garage sale might even be on your agenda of “things to do” if you want to get organized and downsize items from inside your own home. I always say, “Out with the old and in with the New” but there’s not much in with the new in our house. If it hasn’t been used in 6 months to a year we may sell it or  give it away for free. Pricing is one of the toughest tasks when it comes to having a garage sale, especially if you are looking to make a decent profit. We have also been to garage sales and talked to sellers who get items for free using […]

Financially Savvy Teen Budgets Cash Using The Envelope System!

Cash and Envelopes, that’s my Budget! From the time I was about 5 years old my parents gave me an allowance. I think that I got $3 each week. I remember having three envelopes and my parents teaching me I needed to put some money in each cash envelope category. My envelopes were labelled savings, spending, and giving. I had three dollars and three envelopes so my decision was pretty clear. The Envelope System Fast forward about twelve years and I am still using the envelope system today. I now have six envelopes titled: spending, church, clothes, college, car and retirement. How Do You Get Started Using The Envelope System? I’m so glad you asked! The cash envelope system really is very simple. First, you need to decide what areas you most need to control spending and where it is reasonable to use a cash only system. My mom, for example, has used the envelope system in the past for spending, eating out, and groceries because those were the areas where she wanted to be most careful with managing her money. Once you decide which ‘categories’ you want to use, get an envelope and label it. We had some red envelopes left over from Christmas […]