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, […]

Why The Financial Super Can’t Solve Your Debt Problems : February Net Worth Update (+1.34%)

IT’S TIME TO CLEAN UP YOUR FINANCIAL HOUSE AND GET ON WITH LIVING.   If you have outstanding debt then you have debt problems however not all debt puts a consumer in crisis mode. If all you can afford is the minimum payment on your bills ask yourself if this is the life you want? If you answered yes then be on your way and do as you please. Just don’t be surprised if you get to point B (Bankruptcy) when everyone else is celebrating their debt problems with debt wins. You are the only person that can solve your debt problems but along the way you may just run into someone who is willing to lend a helping hand or even an ear for listening. I like to think of myself as The Financial Super to many of my readers. This person could also be family, friends, a boss, co-worker, stranger on a bench or even a crazy Brit personal finance blogger like me.   Don’t feel sorry feel strength   If you answered No, then great you’re the person I want to talk to today. No one likes to have debt problems that have spiraled out of control […]

When You’d Rather Be A Fortuneless Genius Than A Rich Fool

THE TALE OF TWO FINANCIAL MINDSETS   Not everyone aspires to be wealthy because although money can take away the stress of everyday financial obligations it can turn a somewhat happy life into a dull miserable daily routine. Then again the rich fool has no interest in becoming a fortuneless genius when they are motivated to build wealth. Who’s right? Who’s wrong? Neither…   Meet the rich fool   Life should not be about gathering wealth nor having an abundance of possessions as described in the Parable of the Rich Fool. There are plenty of wealthy people who may have all the luxuries they need but daily living becomes somewhat of a low-budget movie. It’s easy to put up walls and blinders to those struggles that are happening around the world when money is no object. The rich fool may not survive life on the other side of their bank account especially if they grew up in a life of luxury. Related: How possessions ruined us and minimalism gave us freedom Having lots of money to travel the world, buy fancy toys, big houses, fast cars and all the things that will frost your life with luxury doesn’t make you […]

The Breakup Shop- How to become single for under $50 hassle free : The Saturday Weekend Review #152

TAKING THE EASY WAY OUT OF DUMPING SOMEONE YOU’RE NOT THAT INTO   Breaking up with someone after a few dates or dating them for a while is hard for just about anyone, unless you really don’t care about the person. This breakup service I’m going to tell you about today might just be the new trend in breaking up with your girlfriend or boyfriend while you’re out shopping or doing whatever it is you do. It’s been a while since I’ve chatted about dating and relationships but it always seems that just before the holidays is when people go their separate ways. Some of the men I’ve known over the years bail because they don’t know what to buy their girlfriend who might be expecting jewellery or a ring. I can’t control what my friends do behind closed doors and neither can you and I’d never judge them either. It’s their life, not mine even though I’d feel sorry if I knew it was never going to last from the get go. Then there are the men who don’t have the cash to buy gifts so the easy way out is to dump who they’re dating for the single […]

Are basic mathematics skills are a must-have when dating? : The Saturday Weekend Review #112

NUMBERS DO MATTER!   I wonder if these online dating websites have “math” listed as a qualification one can check-off as a “must-have” for their desires in a partner. It wouldn’t shock me because more and more people want partners that understand how to balance a budget and not send them to the poor house. Times have changed and so have dating and relationships. With each new generation of lovers comes new problems that we all must face but one thing is for sure money will always be one of them. Some may ask why understanding math is even a topic for discussion but it is a BIG problem for many couples who end up divorced or a relationship fails because they don’t “get it”, math that is. I know you can all think of someone who spends money like it’s water but that water isn’t flowing in as fast as they are spending it. They simply don’t get the basics of math because if they did, they wouldn’t put themselves into such a terrible debt situation. It was strange when my wife started to tell me about an article she read where a woman from New Delhi, India walked […]

How to handle when your spouse spends too much money

When Money Becomes A Problem   Money can easily become an issue in a marriage when one spouse spends more than the couple earns. Whether the spending habit was there before the union or it occurs as the marriage progresses it must be addressed before it spirals out of control. As I was walking to my car the other day leaving a grocery store my eye caught a woman walking back towards her car. Her husband was waiting at the car as she was throwing her hands up in the air obviously annoyed, as she approached their vehicle. I heard her say ‘I thought we had money on that card’. I am assuming she was unsuccessful paying for their grocery bill which brought up a lot of issues with her spouse. Her husband with an irritated look on his face got out of the car and proceeded to head back into the store with her. Not knowing their story and why the expected funds were not available I can only assume that there was a lack of communication or an oversight with their finances. I don’t know how this story ended as I minded my own business and continued to […]

How to get your life back after a divorce involving kids

YOU CAN FALL IN LOVE AND BE HAPPY AGAIN   If you are or have ever been divorced you will likely agree with me that going through a divorce is not fun.  The rollercoaster of emotions that you may feel; anger, depression, frustration, helplessness and fear to name a few can drain the life right out of you. Picking yourself up and regaining control of your life may be difficult to even think about but it can be done. I am a firm believer that no one can make YOU happy but YOU. I am not perfect and I do not claim to have it all figured out when it comes to life, but you are in control of your life and the choices you make are up to you. You may not be able to control another persons actions but you can control how you react to them and how you let them bother you. I thought I would share a few of my thoughts and observations I have noticed over the last 3 years of being a single parent.   Breaking the ties and refusing to fight   Unless you are someone who likes misery, who wants to […]

PF Weekly Grab a brew #42: A stranger opens his wallet for me unexpectedly

That Moment When You Make Someone Smile   Just before Thanksgiving this year I wanted to write a blog post about simple ways of giving to others especially if you don’t know someone. I also wanted to talk about how to say thank-you for that kindness and how to continue that chain of repetitive nature that we should all crave and that’s a daily smile. I always try my best to do the proper thing when it comes to etiquette and being a good person whether it’s with a stranger or in my relationship with my wife and those that I love. I hold the door open, help someone pack their trunk and even reach items off the top shelf at the grocery store. I get a thanks and a smile in return and I’m a happy guy. I know I’ve made someone’s day when I can go out of my way and help them out. It’s quite amazing the feeling you get inside when you have the ability to help others in any way possible. Most times we help people and don’t even know we have helped them whether it be from a learning experience or simply sharing our […]