Paid By Cash In Canada- Bought My EMMO Bike-My Dreams Came True

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Guest Post By: Janice Dicker

Janice submitted her “Paid By Cash” story to Canadian Budget Binder to share how easy it is to reach a goal when you put your mind to it! Saving is easier when you budget and think outside the box like Janice!

About Us

Hi my name is Janice Dicker and I would like to start out here and let you know that I’m disabled. I’m not ashamed of my disability and I’m working hard on trying to make ends meet with my disability pension along with my husband who is also disabled.

Together we  have a comfortable small house, a wonderful son, 4 dogs and a reliable car that gets us from point A to point B. The problem is this reliable car is costing us more money than we can truly afford. After paying the bills each month we use what money is left to buy groceries for the family. This is all the money we have and are unable to save for a rainy day.

I’ve thought of ways that we could maximize on what we have to save some money and create an Emergency Savings Fund  for when something would happen. I needed to come up with a way to put some money back into the budget.

The Idea

One of my ideas was that I really wanted one of the EMMO Electric Bicycles for some time now at a cost of $1100.00 plus taxes. An EMMO Electric Bicycle according to EMMO Inc is a stylish high quality electric bicycle that offers a safe and efficient transportation alternative for the majority of urban trips.

I kept thinking to myself that it would save us money on gas in the long run if I had one of these EMMO bikes. I could use it to go get groceries, go to my doctors appointments and basically get out and go riding each day when it was nice out. If you think about it this bike would really save us a bit on gas by not having to start the car each time we needed to go out.

Janice’s PLAN

I started working on a plan to figure out how I was going to save the money to get my EMMO bike especially when the money simply was not in our family budget. What I did was  I went through my entire home and made a list of everything of mine that I could sell. I would then be able to put the money towards my e-bike fund!!

It’s amazing what you can do when you put your mind to something and set goals. I have bought DVD movies and TV Series for a few years now and my collection grew to around 2000 movies. I also owned a gorgeous dining-room set that I had wanted for many years. It was one of those things that I “had to have” but once we purchased it we never used it. 

Once we moved into our little 800 square foot home after living in a 2000 square foot house we simply did not have the space to store our furniture.  Some of our furniture seemed too heavy and was beginning to make the floor sag in the dining-room. Something had to be done and our furniture sadly needed to find a new home. I ended up listing my DVD’s and our lovely dining-room set on Kijiji in hopes someone would want to buy it. After about one month I was lucky enough to sell everything.

It was a happy time in our lives as I now had the money to buy my EMMO bike. Mr. CBB asked if I had a picture of my bike and my response was “You better believe I have a picture of my bike, I LOVE MY EMMO BIKE“!!

I was also able to use some of the money to stock up on groceries so that we wouldn’t be short on food for a while. Our son was amazed as he didn’t think I would ever get my EMMO bike that I so desperately desired. There were others who didn’t believe I would get my EMMO bike and to them I say,”It’s easy to carry out your goals when you put your mind to something.”

With my new EMMO bike I go out everyday when the sun is shinning and the soft breeze blows my hair in the wind. I have gone from being a hermit not being able to get out because most times we didn’t have money to put gas in the tank to a free rein women. The EMMO bike has saved us a bit of money and I gained my sense of independence back.

I make sure I charge my EMMO bike every night and I head out every morning around town to get what I need to get done. I get 70 km per charge and it costs about $10.00 a year to keep my battery charged. One of the best parts is that I get 35 km and hour with the EMMO bike!!

This EMMO bike is not short on speed and I even take my little pure-bred Teacup Yorkie (Chippy) with me. He has his leather jacket, biker hat and goggles sporting it Harley Davidson style!

Harley-Davidson (Photo credit: Wikipedia)

I’ve learned that saving money for goals is attainable and sometimes you have to think outside the box to achieve goals like I did to get my EMMO bike.



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Photo Credit: Copyright (c) <a href=’’>123RF Stock Photos</a>

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  1. We have been planning on buying a motorbike or car as well and my hubby and I hope to pay for it in cash. But we still have a long, long way to go. I’m inspired by your determination and resourcefulness. We can do this!

  2. What an incredibly inspiring story!! I am on a disability pension too and have often used that as my “excuse” for why I can’t save money or pay cash for anything. I am finding ways to trim my budget but never thought about selling on kijiji anything to help me buy something I need. You sure showed that anything is possible if you set you mind to it and have a concrete goal. I love how you have a clear sense of financial priorities! Enjoy your summer with you and Chippy riding in the wind 🙂

    1. I have been on disability for over 21 years now. I always used that as an excuse to never be able to buy the things I wanted or needed. I dont anymore. I soon found out that there is no help out there to get stuff we WANT but usually is for things we need. So we have to be brain smart when it comes to getting things we WANT!! I have discovered that in the summer the best things to sell are small kitchen appliance and household items as people are looking for these things for their kids that are going off to school in the fall so start digging hehehe I find that I make more money selling my stuff on kijiji than I do having a yard sale because people want things alot cheaper at a yard sale but are willing to pay more for it on kijiji. Now that I have been telling all my secrets I have to get busy and start digging for more to sell to get my bike trailer 🙂 Believe me Chippy and I will be enjoying our time on the open road (well at least 75kms at a time then have to recharge) hehehe

  3. What a great story and congrats to you Janice for making it work! Amazing how many things we all have around the house we could sell!!

  4. Awesome job!!! Going through my house now.I already posted an ad on kijiji and sold all my dvd’s!!

    1. Thanks for reading my story!! Dvd’s are always a great place to start when you want to make some money. I never watched many of the movies I bought because I downloaded most of them online to watch then just deleted them so what possessed me to buy them I will never know LOL But now I just download the movies I want to watch and no longer have the NEED to buy them thank goodness hehehe

  5. Really inspirational! I’m going to start posting pics of stuff on kijiji right away! Thanks for posting the cost of electricity for charging the bike I had wondered about it for a while.

  6. Really inspiring post Janice! I’m going to start snapping pics and posting stuff on Kijiji right away! Love your idea of purchasing the electric bike too. Thanks for sharing the charging cost.This is something I had wondered about for some time.

    1. I’m glad you enjoyed my story! It really is amazing how very little it costs to charge your bike. I only have to charge my bike maybe twice a week. The charger shuts off as soon as the battery hits full charge so no worries about it over charging either. They are awesome and I am so happy I was able to buy mine!!


  7. Great story Janice. I too have many many things I could sell off. I am in the same boat as you and your husband, on disability. And it is very hard to make ends meet. Very innovative thinking on your part. Kudos!! Now to get my but in gear and do the same as you. Wish me luck!!

    1. Thanks Sharon. Being on disability is so difficult. Most months we have to choose between paying our bills or buying food because most months we cant afford to do both. I am so thankful we have the foodbank. Now with having my bike we are able to save some money on the gas that we buy each month. My husband doesnt have to start the car as often as I just jump on my bike and away I go!! Good luck with your hunt for things to sell. Hope you find lots!!!


  8. Thanks for sharing you story Janice. Goes to show how determination can really get you to come up with ideas to get what you want. A friend of fine just got one of these bikes last week to take back and fourth to work instead of driving, will be a pretty good money saver once the initial investment has been recovered. Your story is an inspiration to others, just wondering after reading your story how many people are going to walk around their homes looking for things they can sell!

    1. Its amazing how many things you can find to sell once you start looking. I really dont have much to sell now as our house burned down 3 years ago so I had to start over replacing all my things that were able to be replaced. Thanks for reading my story. These bikes really are a money saver. I can go get my groceries and go to the doctor and do whatever I want to do now by myself and no starting the car!! The price of gas these days I am so happy to have my bike hehehe


    1. Thanks for reading my story!! My dog, Chip, loves riding on the bike!! I just wish I had a picture of him in his Harley Davidson outfit. We get stopped wherever we go. Some people take pictures and some just want to talk about my bike!! 🙂

  9. Way to go Janice! We can all learn from your experience. I’m going to go through my house and see what I can sell. Everybody has “stuff” they really don’t need. Thanks for the inspiration.

  10. Thats awesome! Life has a way of working itself out. I am glad you are happy 🙂 i hope life continues to be great! Cheers

    1. Thanks for reading my story Caley. When you have 2 kids to take care of and you are on disability you find lil ways to make an extra buck. I am always happiest when I can grab my dog and hit the road. Nothing better than the wind in your hair and the bugs in your teeth (I need a new helmet too!!!!) 🙂

  11. Janice this is amazing! You are an inspiration to many of us. I am so happy that you worked towards getting your dream bike, which saves you money, and gets you out and about more!
    By reading this, I am learning more, that we can do anything we put our minds to, and save for things we may think are impossible! I really enjoyed reading your “paid in cash” story! And I wish you all the best in the future:)

  12. Good for you Janice! The E~Bikes are amazing zippy little things. We have 2 of them and yes they really do save on gas. Not to mention they are ultra quiet, nobody can hear you coming lol. I live in a city and I ride mine back and forth to work. Congratulations on your success of seeing your dream bike each and every day!

    1. Thanks Barbara!! Yes I love my bike!!!! I am disabled but I keep thinking that I am too young to use the other types of things to ride on. There is such a stigma attached to any kind of medical devices. I know I shouldnt feel that way but around here people make fun of you so now with my Bike I fit right in and everyone thinks I am just the new Biker Chick on the block LOL

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