How to turn bad habits into positive goals: PF Weekly grab a brew #77

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LOOK UP AND BE AWARE   I don’t care who you are we all have bad habits in our lives whether it be smoking, drinking, drugs, over-spending, laziness, etc.  The list of bad habits can go on and on and what I never gave much thought to was how we tend to focus on the “good habits” rather than the bad habits. Why? We like to feel better about ourselves so focusing on the good and forgetting about the bad habits is much easier to do. I don’t know the exact psychology behind the way the human brain works but when I read an article about what Dean Hovey who met with Steve Jobs in 1978 to design the first mouse for the Apple computer had to say, it made me realize that I needed to make small changes in my life. To paraphrase Hovey felt that although we do something over and over it doesn’t necessarily mean we are aware of our surroundings. Interesting, I thought but true. He used an example of riding his bike to University every day and not being able to recall the roof’s shape, colour or composition when his Stanford University professor asked him […]

Would you quit your job to travel the world for free? : PF Weekly grab a brew #69

Walnut lime tart

AROUND THE WORLD   If you were wondering how to travel the world for free you don’t need much but a desire to get to your next destination, patience and elbow grease to make extra cash along the way. This morning I read about a couple who left the USA to travel to Nicaragua for a few years to experience the lifestyle and in search of comparable healthcare in the USA. I thought it was brilliant that they would take such a chance as to pick up and move from where they were comfortable to a place where they had to learn from the bottom up. They seem to love it in Nicaragua and of course have learned what they can and can’t do but for the most part they said living was much cheaper. Who could complain with a beer for under a $1.00, right? The article reminded me of my friend Pauline who blogs at Reach Financial Independence who now lives in Guatemala and is doing very well for herself. You can follow her adventures on her blog and she even wrote a lovely guest post here at CBB about making the best of what is available. Sometimes […]

Are tattoos the next advertising phenomenon? : PF Weekly grab a brew #65

tattoo receipt teen McDonalds

GET INKED TO SPREAD THE WORD   You are either someone who loves tattoos or hates tattoos because they tag along with you everywhere you go. Are you looking for a cool tattoo idea? I think I’ve just found one! At least I think I have although I may be behind with the times. Some people don’t worry about what others think of tattoos and others have felt the wrath of discrimination just because they are “different from others when they really aren’t. We are all human with a heart after all. I find that many people who love tattoos have them as a way to express themselves or their creative side just as a photographer might with his/her portfolio or an artist with his/her paintings etc. The only difference is tattoos are for the most part permanent unless you want to have tattoo removal. I’ve heard it’s not only as time-consuming as getting a tattoo or worse it’s costly and painful. Why would you want to get it removed after spending all that money to get it put on? Some people do because they make split second decisions and down the line change their mind. A relationship might end […]

Your minimum wage job might be your success: PF Weekly Grab a brew #64

Indian style fruit custard

REFUSE TO GIVE UP   We all want to be successful yet for the average person success comes from hard work and never giving up. Never giving up are powerful words and I’m sure many of you out there have said them to yourselves time and time again. I know I have. Whether it was while I was running or having to prepare for a job interview or meeting someone very important and I was nervous like the CEO of my organization. Preparing your resume is only one part of getting a job, keeping the job and moving up in the company requires a set of skills only you can provide as your negotiating platform for the bosses. I’ve always tried to be a leader in everything that I do which even includes motivating myself because I believe that success doesn’t come from others strengths it comes from your own. If you want to be successful in your career you have to get rid of that negative mindset that so many people carry around with them. Remember that we all have problems. It’s how we choose to deal with these problems and whether we allow them to affect out life […]

Bounced cheque for Girl Guide cookies not so sweet: The Saturday Weekend Review #62

the four hour work day logo

STICK TO CASH FOR COOKIES   Think twice if you thought bouncing a cheque was a great way to get what you want now and pay for later, even if it’s for Girl Guide cookies. Some people do play dirty and know they have no money in the bank and use a cheque as if it was a credit card. The sad reality is no matter if it’s a cheque or a credit card the interest or fees will mount and continue to grow until you pay for your debts. You also don’t leave a very pretty trail on your credit report either if you are bouncing cheques or not paying off loans that you promised. I bet after reading this story you will think this guy will start baking his own homemade cookies (try my cowboy quickies) instead of going through this again.   Girl Guide Cookies   This morning I had a bit of a laugh at a story I read about on Yahoo about a guy who apparently has a bounced cheque for Girl Guide cookies. You know those famous cookies which everyone loves. You can buy Girl Guide cookies in the USA and in Canada and […]

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 […]

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 […]