grocery game monthly challenge

Do you engage in random chat at the grocery store? :The Grocery game challenge #5 May 26-June 1, 2014

woman random chat grocery store

FOOD IS A CONVERSATION PIECE   If you are a foodie the best random chat that you might ever get is while you grocery shop. I’m pretty sure that if you think back you can say that you’ve either learned something from simple random chat at the grocery store or you’ve taught someone something that they didn’t know. It’s amazing how people often look for someone to talk to while going up and down the aisles but it’s also apparently one of the best places to meet people and find true love. I don’t know how true that is but my wife said if you want to find a single woman looking to date go to the grocery store or pharmacy (just stay away from the “woman section” if you know what I mean, ha-ha). That doesn’t make for a very good conversation starter. If you are a woman looking for a date don’t miss out on dating opportunities with the best way to meet men being at Canadian Tire or any big box store. I had to laugh but maybe she is on to something. When I grocery shop I don’t tend to talk with strangers because if you […]

How we became mortgage free in five years

mortgage free seagull in blue sky

THE SECRET IS…THERE IS NO SECRET!   Becoming mortgage free is not an easy task so I won’t make it out to be something that it’s not. In fact many things have led to us becoming mortgage free in 5 years which I want to discuss with you today since many of you have emailed me. Ever since I blogged about wanting to pay off the mortgage early I’ve had fans email me wanting to know if there were any secrets. I thought I’d wait until we actually became mortgage free to fill you in just how we did it. No, we didn’t win the lottery or get money from family or friends we earned every last bit of it. If you read our net worth update for April last week you already know that we were excited to tell everyone that we were finally saying good-bye to the mortgage payment. I promised you I’d let you know what we did and what problems we met along the way. I thought the best way would be to get my good friend Michael Anthony Lloyd a mortgage expert who blogs at www.homehappy.ca and has blogged here before to share a bit […]

Scones with blackberry apple jam and whipped cream

luffy scones with jam and cream

INDULGE WITH THIS SIMPLE TREAT   Scones are one of my favourite treats and something my mum always had baking in the oven just about every week when I was growing up. Today is Mothering Sunday or what you call Mother’s Day here in Canada. My mum has already had her day at the end of April back home in the UK. I keep saying to my husband I should get two Mother’s Day celebrations but he just laughs at me. That’s fine, I don’t need a special day to know my family loves me.   Scones   Today I am going to share with you my mum’s fluffy scones recipe. I loved these English scones as a kid although we would always have to wait until they cooled before eating them with homemade jam. She would make individual scones or a big round scone that could be sliced into big triangles. It was a big bake that day if she was making scones it meant that somebody was visiting and she would be making pancakes and shortbread too. Needless to say I learned lots about baking from my mum because I was always willing to help her out in […]

Why you need to review automated bill payments: Our family budget April 2014

April-Monthly percentages pie chart

DOUBLE CHECK ALL OF YOUR BILLS   No matter what payment methods you choose to pay your bills with especially if it’s an automated bill payment you must review them. If we didn’t do just that with we would have paid around $594.96 extra per year for our auto insurance. I can think of many other areas of our finances where that money could be used. Whether you use a budget or a bill payment spreadsheet if you’re not careful you may be paying more for that automated bill payment like we just did. If it wasn’t for our budget and reading all of our bills and receipts we may not have caught the error. I know people who have any bill they possibly can set up so the bill payment is an automated bill payment directed that way mainly due to convenience. What is an automated bill payment? Well, it’s simple. It’s where you don’t have to do any of the work because the company that is billing you for a service they provided will debit your bank account for the amount of the bill. It’s that easy all you need to do is authorize that bill payment and […]

How to build a rock garden with weed prevention

rock garden plants hens and chickens

SAVE WITH ROCKS AND MULCH   A few years ago I travelled to England and my first comment when we arrived at our destination was where is all of the grass? Not one single house on the street had a lawn, rather they had a rock garden. I was informed that being in walking distance from the Irish Sea the drifting salt water made it difficult to have vegetation growing on their properties. Instead everyone had rock gardens. It looked great! Rock gardens   Rocks gardens can look nice in the beginning but that can change quickly especially if not prepared or maintained properly. It’s not too often that we see entire properties transformed into rock gardens in North America though many people do enjoy the style and natural touch they can add to their properties. Unfortunately, there are too many rock gardens that have been neglected or not installed well that are now overgrown and full of weeds, in some cases you are barely able to see the rocks or stones. Why would you consider building a rock garden? If a rock garden is properly prepared and installed, it can be a relatively low-maintenance required addition to your landscape […]

The money-box inspired my passion for finance

The Money-Box

 SAVING MADE EASY    The money-box I had as a child is a memory that has inspired my love for finance which has continued to broaden as I get older. My post today is for financial literacy awareness hosted by The Heavy Purse blog. I’m participating with many other bloggers around the world sharing their Ah ha moment when it came to money at some point in their life. I was asked to remember my first Ah ha moment in my life when financial sense struck me. For me the money-box was key. Growing up in the UK for most of my life may differ from life in North America but saving money is universal. After looking back and remembering things from an early age, I can say without doubt that I’ve been careful with my money for a long time. The money-box  Even as a young child of roughly six, we got given pocket-money and mine went in the money-box I had. It was nothing special, just a standard looking cube with a coin slit in the top and a stopper in the bottom to get the money out. I was never happy spending it on things at the drop of a hat. […]

Do we ignore the poor people? : The Saturday Weekend Review #67

freebies with coupons canada

NOT SHY TO SPEAK UP BUT EASY TO IGNORE   Many of us have a helping hand when it comes to helping the poor by donating your time by volunteering, fund-raising etc. I watched this video this morning called “F the poor” which I will share with you below but what is ironic in the video is how people react to a strong message and what they consider to be powerful words. When people are on the streets going about their daily chores and actually see homeless poor people asking for help many turn a blind eye. No one asks to live in poverty yet circumstances are sometimes beyond our control. Some people even shake their heads in disgust and have nasty words to say like, “get a job” or calling the poor “lazy”. Most often it’s the opposite and they’d do anything for someone to reach out or recognize them. It’s true though, without a job how can you make any money? I can’t tell you what life is like being poor as I’ve never been there and I won’t even try to explain to you what emotions some must feel. I’m sure their motivation has decreased and they […]