How sleep deprivation causes us to spend more money? : The Saturday Weekend Review #90

sleep deprivation summer flowers

TIME TO GET SOME ZZZ’S   There’s only so much coffee and tea that I can drink to keep me going before sleep deprivation takes over. Sleep deprivation effects can be serious whether you are behind the wheel of your vehicle, at work or doing something that could potentially cause an accident and injure yourself or someone else. There is also something else that lack of sleep may compromise and that’s your budget if you allow it to.   Sleep patterns   Not sleeping enough may cause you and I to spend more money because when you are tired you just want to go to bed and sleep which means saving money might not be at the top of the priority list. These days daytime sleepiness has found a place in my life even though previous to my new sleeping routine I was used to working long hours with odd sleeping patterns. Whether you have trouble sleeping at night due to insomnia, late-night work hours, illness or like us have a newborn in the house being tired can take its toll on your budget. Our sleep patterns are now in sync with our newborns sleep patterns which means we sleep […]

How to grow your own fruit at home

fruit tree apple

HOME-GROWN FRUIT U-PICK   Many people enjoy going to the market to buy local produce but what’s even better is growing your own fruit trees and vegetables at home if you have the space to do so. Although you can easily buy fruit trees at your local garden centre, understanding how to properly plant and care for them takes a bit of research and sometimes trial and error. Growing up on the farm I was lucky enough to enjoy eating homegrown fruit from fruit trees such as crab apples, pears, bushes of elderberries, grapes, blackberries, currants and raspberries. They were all easily accessible and enjoyed by my family and our grandparents. My grandma made many elderberry pies over the years that we had the pleasure of eating. Having the opportunity to pick fruit from our own backyard is like nothing else and you certainly save money. The only drawback was the mess that some of them left behind, particularly the larger fruit trees. The beautiful flower blossoms add some vibrant colour to the spring landscape but once they begin to drop their fruit and leaves the mess and clean up begins. Cleaning up the fruit and leaves can not only […]

How to be your own money manager

Money manager

MONEY MANAGING IS PART OF LIFE   Becoming your own money manager is something that you should get used to especially if you plan to live as debt free of a life as possible. I talked about the Money Box a few days back and that’s really where my passion for finance was born and the money manager in me came out. Learning about finances is not so bad when you are watching television, reading the paper, online posts or even in magazines as long as it’s not about you. Many people don’t want to learn about their own finances because they don’t want to know how far in debt they are and for some people, they simply don’t care about money. They could care less if they have to claim bankruptcy over and over again. You may think it becomes a game when bankruptcy becomes the norm and to be honest if you can’t control your spending you really need to seek help. Bankruptcy is not always the answer to the problem it’s more of a band-aid approach to solve the stresses of bill collectors knocking on your door. I know a couple at work who had it all, […]

grocery game monthly challenge

Is one cent a grocery price savings? : The Grocery Game Challenge #1 Mar 31- Apr 6, 2014

grocery price savings penn

DEAL OR NO DEAL?   Pack it in for the one cent day coming to a grocery store near you. Now if it were the million dollar penny that might be a different story but it’s far from it. We always have our eyes peeled on grocery prices when shopping but this was one deal that had us a bit stumped. Now normally a good deal is too good to miss so when I saw this latest deal I was more than a little confused. It’s not only grocery stores posting one cent savings we’ve seen it on Facebook with airline bookings as well. While out shopping with my wife at the supermarket I came across a deal that looked strange to begin with. The small pack of donuts in the picture above were originally marked for $1 but there was a one week sale on that no one could resist, What was the deal? Well it’s clear from the photo that you could save a whole 1 cent. Wow I hear you cry, that’s not a particularly good deal at all. That’s what initially thought until I got thinking about and then realized that there is NO DEAL, or […]

Does having debt mean you have too much money fun?

Money fun

FUN MONEY STILL COSTS YOU   Having fun and having debt is no laughing matter but not everyone sees debt through my eyes. Sometimes debt is just a piece of paper that comes in the mail for someone who says oh look it’s gone up again and heads out for a night on the town. My theory is you need to earn money before you can play the cash out game depending on what you are spending it on though. Keep in mind not all debt happens because of having fun. Debt for some might mean they go to the grave owing people money and they don’t have a care in the world. Those are the people who live in that financial la la land that I talked about earlier. Learning about money saving habits and paying off debt first is not easy for some people and for others it’s a no-brainer. My friend at My Money Design talks about why it is important to save money and now and when he says “because things will happen” he’s nailed it. Not only do things happen most of us will continually want more stuff over the course of our lives and […]

grocery game monthly challenge

Do full-price items make it into your grocery cart? : The Grocery Game Challenge #3 Mar 17-23, 2014

GGC coupons March 2014

YOU ACCEPT PRICES OR YOU DON’T   Grocery shopping for full-price items makes us cringe but the reality is in some cases you either accept the price or you don’t buy it. At the end of the day it’s either you can afford it or you can’t. If you can’t you don’t buy it and find a cheaper alternative or knock it on the head altogether, if you can. Should I or shouldn’t I? Sometimes when I see people staring at a product in their hand I wonder what they are thinking to themselves. Let’s face it we all talk to ourselves when we grocery shop, admit it. Is this good for me? What are the ingredients? How many calories? What does it cost? Or should I buy it or not? I often think questioning purchase price is the burning question in shoppers minds when they are holding products with a confused look on their faces. Who knows? Many times we convince ourselves that we will find it cheaper even if we have rumbled through the sale flyers for the week. We know that it might mean going from shop to shop looking for an item on sale. One product […]

I want to be more successful than my father: PF Weekly grab a brew #63

drunken leprechaun drink St. Patricks Day

ALL YOU HAVE TO DO IS BELIEVE   Sometimes we want to be more successful than others especially if we come from homes where our parents aren’t successful in our eyes. But what does successful really mean? Defining what successful means or even being rich means is an inner belief that will differ from person to person.   Life lessons   When you go to school as a child and see other kids with the latest and greatest toys, gadgets and clothes or boasting about their vacations you wonder why you aren’t either. As a child shopping at second-hand stores when your friends shop at the mall is hard but for many they have no choice. Eventually they will understand that the reason and unless they understand the value of money you may run into resentment. Not all children will turn away on their parents but for the most part if they don’t grasp that you don’t have to spend money to be happy they may try to correlate money with happiness. It’s hard to understand the meaning behind being successful and how hard it is to make something of yourself as an adult or as a parent. I watched […]