Stress Does Not Discriminate Based On Financial Status

 NOT EVERYTHING IS AS IT SEEMS BEHIND THOSE EYES   I’ve heard that not enough stress in your life means you’re not trying hard enough and too much stress can tear you down faster than you can peel a banana. It’s true, I’ve lived it, I still live it and so does my wife. If you told me you’ve never experienced stress I’d say B.S. because everyone has at one point or another. How it affects you may differ but you’ve certainly felt it. Can you recall a time where you wished you were a little kid again with no stress and playing was the highlight of your day? You’re not alone. I’m sure we all have. I’ve been blogging about money for 6 years now and not once have I battled the dark side of finance and mental health and that is stress management. Today, I’m opening up about our struggles with stress because we want to tell you that nothing is always what it seems. So many people think our life must be all flowers and freedom because we have no debt. Sadly, it’s never that easy and money sure as hell doesn’t make things better. The world […]

grocery game monthly challenge

20 Basic Baking Essentials To Power Up Your Frugal Kitchen : The Grocery Game Challenge 2017 #1 Oct 30-Nov 5

STOCK YOUR KITCHEN WITH THESE MUST-HAVE BAKING ESSENTIALS   If you want to become your own frugal baker consider these 20 Basic Baking Essentials which I believe every kitchen should own. Today, I’m going to show you where you can find the best deals and even better deals if you’re down and ready for some old-fashioned thrift shopping. Bakery products such as muffins, cookies, cupcakes, squares and even cakes are expensive to buy because they are made outside of your kitchen. That’s obvious. This means that morning muffin you pick up at the local coffee shop might be costing your wallet big bucks. Probably just as obvious. If I asked customers who buy their coffee and baked goods from a coffee shop nearly everyday why I bet the reasons would go something like this. It tastes so good I don’t have time to bake I don’t know how to bake I don’t have room in my kitchen I don’t have an oven or it’s broken I don’t have the proper baking supplies to bake Baking is too expensive It will go bad before I eat it all if I bake at home It won’t  break the bank You might also […]

5 Ways To Save Money By Using A Credit Card

CREDIT CARDS ARE MORE THAN JUST A BACK-UP PLAN!   There’s no doubt you need to be careful with credit cards. There are people of all ages throughout Canada struggling with credit card debt in the thousands or tens of thousands. And if you start missing payments, your credit score will be in danger, which will affect your ability to acquire assets and may even limit your employment options. Related: How to avoid turning $1 into a $29 Credit Card fee However, credit cards are not inherently bad. Money mismanagement is, and the two don’t necessarily go hand in hand. If you are conscientious about how you use your money, you can actually save money by taking advantage of credit cards. Instead of battling to pay installments, you can live the lifestyle you choose without letting the debt ever get out of hand. There are multiple ways to save money using a credit card. These are 5 of the most effective.   1. Transfer your balance to a 0% APR credit card   If you are already carrying credit card debt, there is a simple way to get out of paying crippling interest. Many credit card companies offer a 0% […]

What Are Your Sources For Financial Stress?

MANAGING MONEY PROBLEMS DOESN’T START WITH EARNING MORE.   How many of you are in a state of financial trouble? I don’t want to know because that is a question for you to tackle possibly signaling time for a financial stress test. If you really want to fix your financial stress it takes more than just earning more money. Let me explain. If you answered yes to my question you might want to take a bow, raise the curtain on your debt show and start a new chapter. If you can’t make ends meet don’t sit around waiting for collapse get ahead of the game because if you suffer from financial stress now it will only get worse. Unfortunately not everyone may be able to get ahead especially if living on a fixed income. For those who are and can manage the bills with what they get financial stress looms over them just as much as the next person. If you believe you can’t get ahead because your income doesn’t cover the bills and you’re debt free then something must change. We can all say no to credit and creating debt we don’t need but we can’t all rush out […]

How A Life Changing Illness Shaped Our Financial Future

JUST WHEN YOU THOUGHT EVERYTHING WAS GOING WELL YOU’RE HIT WITH AN ILLNESS THAT WILL FOREVER CHANGE YOUR LIFE.   I’ve been writing about money for much of the past decade but I didn’t always have my act together, financial speaking. In fact, I spent most of my twenties deep in debt, and it took a big, scary, life-changing event for me to have my financial awakening. I’ll never forget the day when my world changed. It was 2008, and my wife had complained of a headache – a pain behind her right eye, to be exact. She was in excruciating pain and nearly went blind, temporarily, seeing only red spots out of her affected eye. An ophthalmologist confirmed it was optic neuritis, an inflammation that affects the optic nerve. After prescribing an incredibly high dose of prednisone to bring down the inflammation, the doctor referred my wife to a neurologist who diagnosed her with Multiple Sclerosis. We were devastated. At the time, we didn’t know much about MS and how this disease would impact our lives. All we knew was that each flare-up of the disease caused nerve damage, which would gradually get worse over time and lead to […]

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