11 DIY Easy Christmas Decorations For Your Home : The Saturday Weekend Review #199

DECORATE YOUR HOUSE THIS HOLIDAY WITH HOMEMADE CRAFTS ON A BUDGET   It’s that time of year again when we start to think about Christmas baking, Christmas gifts, Christmas Tree Decorations Ideas, Christmas theme ideas and all of this costs money. Lots of money, especially if you don’t budget for the holidays. You’ll certainly feel the crunch come January though when the bills come due. You can eliminate a chunk of the holiday financial stress by making homemade Christmas gifts including DIY Christmas Decorations. If you’re already tight for cash don’t go out and spend your money on Christmas decor that you can make at home for a fraction of the price. To be honest I really like homemade Christmas decorations over store-bought. One of my fans was showing off her DIY Christmas holiday frames that she’s made. I would have never have thought to re-purpose a picture frame with some spray paint, bows with sparkly Christmas balls dangling. Brilliant idea. There are some pretty cool Christmas decorations you can buy that are outdoor but you’ll pay big bucks for them unless you wait until the end of season. On Boxing Day consumers flock to the stores to grab deals […]

6 Strategic Money Management Motivators To Keep Us Focused : October Net Worth Update (+0.55%)

THREE M’S THAT CAN CHANGE THE WAY YOU LOOK AT YOUR MONEY FOREVER.   Budget your money, Budget your money, Save, Save, Save we are told, but that’s only a portion of the solution to what so many people are feeling when it comes to feeling the financial crunch. Financial affairs should always be part of your daily routine however just because you use a budget doesn’t mean you will become successful at running it. It takes far more work than just budgeting to achieve your financial goals. In fact it takes a hell of a lot of work outside of the spreadsheet and whether your committed or not will show in the numbers. Let’s talk about the numbers for a moment especially since November is Financial Literacy Month across the globe. Numbers aren’t the only way you’re going to become rich. Come on now we all want to have money in the bank and being rich to you might mean you are debt free or have more than $100 in the bank. Whatever the case may be always remember that those numbers didn’t become what they are magically. They had to come from somewhere, somehow and most likely that […]

Investing Returns Pave The Way To Financial Independence

  KNOW WHAT YOU WANT NOW SO YOU CAN PLAN FOR THE FUTURE   Reaching financial independence, the point where your investments cover your lifestyle and then some, is the ultimate goal if you want to retire comfortably. And in a perfect world, you would like that to happen sooner rather than later. I have good news for you today: it is absolutely feasible if you put in the right amount of effort and dedication. Yes, even on a small budget. Take a look at the CBB household for instance. They’re worth over $800,000 and on track to pass the million dollar mark by this time next year. And as a faithful reader, you know Mr.CBB is just your regular guy, who started a bit above minimum wage 8 years ago. He has worked two jobs for years and carefully budgeting every cent to make sure his family is safe financially. Related: 5 Simple Rules We live By To Stay Debt Free There you have two of the three steps to financial independence: earning as much as you can, and spending as little as you can. The third part is where you can actually accelerate the process quite a bit: […]

What to Expect With Little to No Retirement Savings : Our June 2016 Budget Report

UNDERSTANDING HOW RETIREMENT WILL AFFECT YOU NOW IS BETTER THAN FINDING OUT LATER WHEN TIME IS NOT ON YOUR SIDE.   If you’re tired hearing about how much money you should have in your retirement savings to live comfortable in the golden years and want to hide because you’re not part of this elite group of savers- you’re not alone. Company pensions, in particular defined pension plans are becoming a perk of the past and Canadians are left will few options when it comes to retiring without living the rest of their years poking through a tight budget. I’d love to retire early but since the birth of our son we’ve seen our life goals change significantly where we were content living mortgage free in our house and living happily ever after. Now we are talking about buying a bigger house to have more room for our son to run around along with an in-ground pool. That means we’ll need to save even more money if we hope to pay cash for the next house or face added debt of a mortgage loan once again. Related: Retiring Early Should Never Be Expected I received an email from a reader who […]

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 […]

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