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 […]
20 Basic Baking Essentials To Power Up Your Frugal Kitchen : The Grocery Game Challenge 2017 #1 Oct 30-Nov 5
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 […]
6 Simple Ideas To Generate Cash Money When You’re Broke
THERE’S ALWAYS A WAY TO EARN CASH MONEY PROVIDED YOU’RE READY FOR A CHALLENGE There are some ways to make cash money when you’re broke but don’t expect to be rolling in the cash without some hard work. With Spring around the corner there will be more opportunities to make cash money rather than shovelling snow and praying you win TV Bingo. Wishing on a star is the worst way to earn cash money because you’re risking losing money you already don’t have to spend. Cashing out the Cash Money The first thing someone does when they are broke is find every possible source of cash money then could have. A friend of ours who was strapped for cash went as far cash in her RRSP’s so she could pay off debt. I don’t recommend going this route if you don’t have to however depending on a few factors such as age such as this might be an option. If you are under 30 you’ll have a far better chance of getting back into the investing game with many years to accumulate as opposed to being close to retirement age. Staring at your bank account on the […]
How To Spot Grocery Store Discounts (Saved Us $511 last year) : The Grocery Game Challenge 2017 #3 Feb 13-19
WHAT WOULD YOU DO WITH AN EXTRA $500? If you find it amazing what you can save money on when you’re not looking imagine the savings you’d find if you were. One question we often get asked is, “How do you eat so well on a tight budget of $265 a month?” to which I reply budgeting, flyer savings, coupon app savings and grocery store discounts. Ask me that same question back in 2012 and I would have told you we were extreme couponers and deal seekers but times have changed. We went from using thousands of dollars in paper coupons every year to $15.35 in 2016. Today, our savings plan is far more balanced than it used to be. Now we take the grocery store discounts approach paired with eating less, using coupons, applying coupon app savings and rewards points etc. Back then rewards point programs were ramping up outside of the credit card world which gave Air Miles a run for their program. It became clear that consumers wanted to be rewarded for being loyal customers. The start of war of the rewards programs began and quickly evolved into which company could rope in the most customers. […]
The Secret Society Of Knock-Off Rich People : Our October 2016 Family Budget Update
THE SHOW MUST GO ON EVEN IF YOU’RE BROKE I’ve had enough of playing the role of rich person when I’m not and I just want to be normal. This was part of an email conversation I had with a fan who is struggling with guilt over his debt and underlying reasons for wanting to appear rich when he’s just part of a secret society of debt clogged consumers living in Canada. Pretending to be wealthy won’t make you wealthy, it makes you clumsy with your money which can and potentially will affect your present and future. If you truly believe that you can succeed by sloshing through crowds of affluent people with a line of credit or a slew of credit cards will help achieve your fortress then follow your dream. Upscale performance of a life-time The most expensive position you will ever have in your career is the one that you created that doesn’t exist. So you landed a role in the movie titled, “Upper Class” and you’re the star of the show. Is that a real Gucci Bag? Heck ya, I bought it when I was travelling in the UK. Lights, Camera, Action…you’re LIVE. […]
How To Keep Debt From Causing A Marriage Crisis
EVERY COUPLE HAS A STORY TO TELL BUT YOU PROBABLY WON’T HEAR ABOUT IT. A marriage crisis is about to turn your world upside down, so what do you do? You write me an email looking for a twinkle of hope. Marriage is knowing you’re in love with someone but not sure if you can continue to love them based on events that occur in future dealings with-in your relationship. This is where YOU needs to become WE. What does this all mean? This means that anything can happen even to couples who are in love. One minute you’re all mushy about each other and the next you’re ringing up the lawyer because you no longer can stand each other. The annual amount of divorces in Canada tops 70,000 according to the feldstein-family-law-divorce-fact-sheet-2016. Not only that but 33% of first marriages end in divorce. Some of the reasons for divorce documented from Stats Canada in the fact sheet states the following; Communication breakdown Unreasonable behaviour Infidelity Midlife crisis Financial issues Physical, psychological or emotional abuse Relationship “runs out of steam”/fall out of love Where did you both go wrong? Most often lack of communication leads the way to a bigger […]
