How To Become Financially Secure So You Forget It’s Payday : June Net Worth Update (+0.74%)

FOCUS ON LIFE NOT JUST YOUR BANK ACCOUNT   I know people who count down the hours before payday when their bank account will be back in business. It’s not the best spot to be in financially because you are living payday to payday but the struggle is real for so many Canadians. It becomes a vicious circle until you find a way to put the brakes on a stress that is probably weighing you down. Becoming financially secure is a dream for just about everyone so we can forget the daily worries of car payments, mortgage, credit card bills and a host of other debts that cause stress-related issues, relationship issues and potentially depression. No one likes to feel that they are not in control of their lives especially where money is concerned. What does financially secure really mean? Well, I can tell you that it doesn’t mean that you have a job that pays you big bucks. That misconception is what gets people into financial trouble in the first place. This just happened, check it out.   It takes more than an income to stay away from debt   While chatting to a colleague at work briefly the […]

Strawberry Cream Cheese Stuffed French Toast

IMPRESS WITH THIS EASY STUFFED FRENCH TOAST   My wife is the person who introduced me to Canadian French Toast about 9 years ago since back in the UK it’s known as eggie bread which I would top with tomato sauce and not something sweet. The first time my wife made me French toast and drowned it with maple syrup I wasn’t sure what to think. Even worse was the breakfast sausages begging for a life-preserver. Her response, “Everyone likes sausages with maple syrup”.  I’m sure she only said that to entice me to eat it. Actually, I’m 100% sure she did. Related: Learn all about Grade A Canadian Maple Syrup I’ve warmed up to the taste over the years as well putting syrup on my eggie bread along with fresh fruits, yogurt and even hemp seeds. When my wife and I had extra strawberries we decided to create a Strawberry Cream Cheese Stuffed French Toast and you know what, I loved it and I hope you do too!   How do you make French Toast?   The simple way is to take thick sliced white bread of your choice, dip it in an egg mixture which is a couple […]

grocery game monthly challenge

How To Train Your Spouse To Be A Clever Clogs Food Shopper : The Grocery Game Challenge 2016 #4 May 23-29

THERE’S NO SHAME IN LEARNING HOW TO BE A SMART SHOPPER   I’m sure that you’ve met someone who thinks they are a clever clogs when it comes to knowing everything about anything there is to know in life. Some may profess to be an expert only to lack the skills needed to complete a task such as being the household food shopper. If you’re tired of always having to do the food shopping because your spouse doesn’t want to take the time to follow your frugal lead then it’s time to get them on-board with a bit of Grocery-101. What is a clever clogs? A bit of humour in this post to get your attention but serious stuff if you are struggling to meet your grocery budget needs because you or your spouse is not participating in the process. The word clever clogs originates in the UK so it’s certainly a term I’m familiar with and now you are. If you’re child is a fan of the television cartoon Peppa Pig you’ll have heard that Edmond Elephant is a bit of a clever clogs. This means a clever clogs is someone who is too clever or commonly called a […]

Stop Blaming The Government For All Of Your Debt Problems

DEBT= Don’t Ever Buy Things On Credit   Debt for most Canadians is still a reality and likely will be for a long time unless something changes but not necessarily from a political aspect but a personal one. Is the Canadian government to blame for all of our debt problems or should we start taking responsibility for the way we are spending and saving money? The past few days I’ve spent what little free time I have in between working 7 days a week, family responsibility and blogging to catch up with what’s happening in the world of Canadian Finance. With the internet flooded with resent for the Wynne Liberal government who are under fire right now especially with the increase in hydro costs that are creating energy poverty for Canadians who simply can’t afford to pay these price hikes. Our hydro has more than doubled in the past year and our habits have not changed which means we continue to be conscious of utility usage. What’s even worse is there are plans in the works to phase out natural gas, homes will need an energy audit when put up for sale and renovations based on energy efficiency. This is […]

Retiring Early Should Never Be Expected : April Net Worth Update (+0.97%)

RETIREMENT AGE IS JUST A NUMBER NOT THE FINISH LINE   Retirement Saving is not easy for many Canadians especially if they are living pay to pay and have a high debt load. Retiring early is a nice dream of flowers and freedom for many of us but the truth is that it should never be expected. How can you save for retirement if you’re living pay to pay, week after week, month after month, year after year. Well, there are ways but you must be willing to spank your finances back into action. This means taking control of the way you spend, save and view the way you should be living in comparison to what you can afford. A budget is what got us started.   Some of the best retirement plans just look good on paper   I remember when our financial advisor told us that we had average retirement savings for our age the wife and I just looked at each other stunned. He said he has clients our age with much more and others with hardly anything at all but that we had a good head-start in the race to retiring early if we wanted too. […]

Let UFile Online Do The Hard Work at Income Tax Time (Review and Giveaway)

UFILE WITH A VIRTUAL ACCOUNTANT EXPERIENCE   As the first portion of the year starts we prepare ourselves to file our taxes for the previous year. I’m the guy who is in charge of filing our 2015 tax return for the family and this year I was lucky enough to review UFile Online. Today I’m going to share the results with all of you. With the income tax deadline of on or before April 30, 2016 (June 15, 2016 for self-employed) looming for taxpayers it’s time to finish up the 2015 year and file with Revenue Canada. Our 2015 income tax return has been completed and submitted. Now, we can relax and get on with life until next years tax season rolls around. I have learned a few things about filing an income tax return online this year with UFile and I hope you enjoy this review of what I consider to be one of the best tax return software for Canadians. When I came to Canada filing your taxes was all a little new for me since I had never filed taxes before. Filing your taxes for the year was unheard of as the tax system in the UK […]

grocery game monthly challenge

10 Smart Ways To Trim Daily Expenses on Travel Food : The Grocery Game Challenge 2016 #3 Feb 15-21

TRAVELLING IS NOT AS CHEAP AS EVERYONE THINKS…BUT IT CAN BE!   One of the toughest parts about creating a travel budget is planning a food budget for your travelling experience. Whether you stay in a hotel, resort, or you hop in your vehicle for a road trip daily expenses of food must be accounted for or even estimated to keep a tight budget from exploding. Here are ways we’ve learned to save money on food while travelling that we want to share with you so you don’t make the same mistakes we made along the way. Not everyone uses a travel budget when going on vacation which means the grocery budget or entertainment category may be the next two logical places to carve a bit of money from. The reasoning behind using the grocery budget is because if you’re not home to buy groceries you spend that money on travel food. Makes sense to me if it’s a simple road trip but a destination holiday may prove a bit more costlier. Related: How much should my grocery budget be? Most travellers are so focused on planning the trip that they put food on the back-burner because it doesn’t seem […]

Do Customers Expect Too Many Freebies From Businesses? : The Saturday Weekend Review 2016 #155

DO YOU KNOW HOW MUCH A LEMON COSTS?   Freebies are nice to get especially when it saves consumers money. When customers try their hardest to get free stuff that they aren’t entitled to it then turns to “Greed”. I honestly believe that some customers feel that they are “owed” something when they visit an establishment and demand free stuff or get upset when they don’t get what they want. I’ve never been to a place that will serve you and take care of your needs as a customer for free especially while sitting in an establishment. When I read an article written for The Journal.ie about a restaurant review on Trip Advisor for Bennett’s Cafe and Bistro in York, UK (which went viral) about an upset customer over a cup of hot water and a slice of lemon, I was not shocked. I’ve dealt with the same type of customers over the years in various places of employment. Some may classify her as the entitled, cheap customer or believe “The customer is always right”. Sometimes the customer is not always right, but when should a business speak up? I’m not talking about signing up for freebies or asking companies […]