What pushes people over the edge financially?

FALLING ON HARD TIMES…   We all know someone who has struggled financially at some point in their lives and although it’s not easy to stay above the water how some people handle it is shocking. It seems like each time September rolls around the media is filled with articles about people who are getting into trouble with the law for reasons relating to money. Financially holidays such as Thanksgiving and Christmas can be a tough time for people who struggle with their money. Many struggle in silence. It’s no wonder talking about personal finance is taboo especially if people are ashamed of their debt load. This time of year it seems as if we hear more about thefts, robberies, fraud and scams leading into the Christmas holiday. Just the other day on Facebook my wife read a message on a group board from a mom advising other moms to make sure they lock their doors and take their gifts inside as someone had broken into her car and she lost everything. It only took me a few minutes online this morning to read another article about a couple who faked a pregnancy so they could steal products from an […]

Leaving children alone when you can’t afford a babysitter: The Saturday Weekend Review #81

DECISIONS PARENTS FACE…   I’m not going to talk about the movie Home Alone today, don’t fret. What I want to discuss is what parents do when they can’t afford a babysitter? Later in this post you will read about one parent in the USA who was recently jailed for dropping her child off at the park while she worked. If you have the money in your budget you can easily hire a nanny who might also double as your housekeeper, gardener etc. She/He takes care of the children and the home when you are gone to work or are out on business. If you can’t afford having the live-in or out nanny status you would likely hire a family member to babysit, a friend or search out a babysitter to take care of your child (ren). When your child is a baby or toddler you either stay home and don’t work or you send them off to a babysitter or daycare facility. Most parents these days complain they can’t get their children out of the house because they are glued to the computer, TV or video games. Back in the day we were always outside playing but my mum […]

Driving distractions and making your own rules of the road cost

NOT USING COMMON SENSE COSTS   Driving a vehicle takes skill and that’s why in Ontario a licence is not handed to you on a silver platter. If you factor in the cost of purchasing a car, obtaining auto insurance and licence plate stickers, just owning a vehicle can be expensive. Add in the cost of getting your driver’s licence, renewing it every five years, gas to be able to drive your vehicle as well repairs and regular maintenance and the cost of driving quickly goes up. So if owning and driving a car takes up a significant chunk of our budgets, why do some of us choose to make driving even more expensive than it already is? While these expensive choices eat away at our budgets they are often also unsafe.   Distracted driving   With the wide use of smart phones these days, distracted driving is most often referenced as ‘texting and driving’. Even though texting is what we most often hear about, it is not the only thing that classifies as distracted driving. Having two kids in the car can be a distraction I will admit, it’s hard to ignore. Sometimes they get upset because I can’t […]

Do you know the laws when travelling abroad? : PF Weekly Grab a brew #58

KNOW YOUR RIGHTS   Do you really read about the laws of the country you are about to visit when travelling abroad? Shaking your head no, don’t worry me neither. I’ve been to many countries around the world in the 30 odd years I’ve been around and Canada was the only place that I did. To be honest the laws of each destination that I visited weren’t something that crossed my mind although it really should have been. Before I became a permanent resident in Canada I did look into the laws of the road and driving and how I would be insured since I was visiting from abroad only because my wife had brought it to my attention. It’s important to know what your rights are and whether your insurance will cover you in the event of an accident but also what the laws of the country are involving certain situations such as the horror described below. I was disturbed to read an article earlier this week about Canadian Justine Davis from Toronto who was travelling through Cuba with her three-year old son. While on a rented scooter just before this past Christmas they were involved in an accident […]

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