Discovering my Neighborhood Used Book Store

Earlier this year, I decided to go through my house and get rid of all the things we never used to reduce clutter and also to make room for all the new stuff we had just received for Christmas.  I started in the kitchen, finding all sorts of tools and gadgets that were collecting dust in our cupboards.  I opened one seldom used cupboard and found a much larger collection of cookbooks than I knew…

When Does Buying a House Make Sense?

  Buying vs renting seems to be an on-going debate.  Some people swear that buying is the only logical way to go as you aren’t “throwing away your money”.  Others argue that by renting, your costs are lower and more predictable.  While both have their pros and cons, the decision whether to buy or rent can depend on many factors. Often, when they can financially, people prefer buying in order to have a place that…

A New Year – A New Budget!

The holidays are my favorite time of year.  Getting to spend time with friends and family, time off to rest and of course lots of delicious food!  The holidays also mean the end of a year and looking forward to a fresh new start to do all those things we kept telling ourselves we should. Last year in review The new year means I get to look back at our last year’s budget and see…

Holiday Shopping Without Breaking the Bank

Once Halloween comes and goes, stores quickly trade their spider-webs and ghosts for fake snow, bells and candy canes.  As the weather gets colder, we start planning for the Holiday season and remembering happy memories of years past, spent surrounded by our family.  For many, the Holiday season is bittersweet as they remember the pain of paying off the debt they incurred buying gifts for all their friends and family.  Although the spending cannot usually…

Tips to Save on Big Ticket Items

I spend so much time trying to save a little bit of money here and there and trying to buy as little as possible, and then there are big purchases that come up, whether it’s a computer or TV, a dining room table or bedroom furniture, making me feel like I am undoing all my good work.  These expenses are a normal part of life and as long as we make sure that they are…

How I started using a budget at 13

One summer around my first year of high school, my mom told my sister and I we were going on a trip to Winnipeg.  She was attending a symposium of the Canadian Association for Family Enterprise and decided to take us along.  As you can expect, as kids, we were less than thrilled to loose a week of our summer vacation to go to a symposium in Winnipeg, of all places! We were told there…

How to Start Saving

Whether you are new to saving money or you’d like to add to your nest-egg, you have come to the right place.  I hope to help you along your journey and provide you with tools to ensure it is a success.  The five steps below will lead you through the thought process and tools necessary to develop the Spirit of Saving. 1)    Determine what is important to you in life In order to change your…