Thursday, 27 November 2014

3 Canadians Who Can Increase Your Financial Literacy

November is Financial Literacy Month in Canada.

Before the month comes to an end, I wanted to highlight some of the Canadian* influences that have helped me on my financial literacy journey.

Monday, 24 November 2014

Is It Actually Cheaper To Buy A Used Car?

So much room in the driveway now!
To Recap:

We are a one car family.  Our in-laws gave us their old car over the summer.  We've had a slew of car troubles.  We've questioned whether or not we should even bother trying to sell the second car.

The Update:

We sold the car!

When it comes to buying cars, I've always believed that the smartest financial advice to was buy a late model car with cash and then drive it to the ground.

This time we didn't get the chance to drive our car into the ground.  So, I was extra interested to evaluate our decision to buy used.

Thursday, 20 November 2014

6 Excuses for Unused Gift Cards

Today I was rolling through the drive through and I found an unused McDonald's gift card in my wallet  (I never said we would give up fast food completely).  It was silver with a sparkly M so I realized it must be from last Christmas.  Why hadn't I used it yet this year?

Monday, 17 November 2014

Wait, Why Don't You Have a Will?

Are you prepared?
Many people put off important grown up things like getting a will.

If you know that you need a will, but haven't got around to getting one done, I can relate. I'm married, own some big things, like a house, have a pet, and a kid. Until this week, I didn't have a will.

Dying without a will can create a lot of unneeded stress for loved ones after you pass. It can also mean the courts decide who gets your stuff, or looks after your children. Even though they try to make the best choices, they're not you and they can't know what you want without a will.

Thursday, 13 November 2014

5 Frugal Gifts on Cheap Mom's Christmas Wish List

This week I started getting a lot of requests for my Christmas list.  We don't need for much in our house, but a list has been required.  So, I thought I would share with you 5 items on my wish list that appeal to my cheap side.


Dear Santa,

It's me again!  I have been a very good girl this year and I hope I'm on your good list.  Did you like the cookies and carrots I left for you and your reindeer last year?

This is what I'd like for Christmas this year:

Monday, 10 November 2014

The Seduction of The Second Car

One too many sets of keys for our family.
If you haven’t been following along, we were gifted a car from our in-laws and we’ve been having a frustrating time selling our regular car.

Here’s the update to the frustrating bits: the car is now the proud owner of a new alternator and parking brake cable. It failed the e-test because there weren’t enough kilometers to flush the system, or something like that, after the last servicing, so that still needs to be done. We’re still on a temporary registration because it needs to be e-tested before it can get registered. The repair bills are now over $2,000.

This weekend we had another person come out to see the car. It was a relief to have a potential sale because I’ve been getting more nervous that we’ll end up keeping both cars. We only need one car in our family, but the slow seduction of our second car can be very appealing sometimes.

Thursday, 6 November 2014

5 Things To Consider Before Giving Up Your Dryer

An early attempt after a few days.
Well it’s been about a month since we bought our folding drying rack and swore off using our electric dryer. It was pretty touch and go at the start, but because of the great tips and success stories that I read in the comments section, I kept with it.

We’re no where near experts yet, but I thought I’d share what we've learned so far about hanging your clothes to dry. Hopefully I can prevent a few newbie mistakes and give the veterans a little chuckle.

1. October Is Not An Easy Month To Stop Using Your Dryer

In the summer you can put your clothes to dry outside in the warm breezes. In the winter your furnace keeps the air in your home circulating and dry. In October, well you’re going to have to work a little harder to dry your clothes.

Monday, 3 November 2014

A Simple Life Without The Chickens

Rooster or chicken? Brain clutter! So I didn't find a new photo. 
It seems that there are many definitions of a simple life.

Some go back to basics and live on a rural homestead with free range chickens.

Some sell their possessions and travel the world.

Some live in tiny spaces where extra possessions just won’t fit.

While I do daydream about each of these lifestyles, realistically I know that none would be right for my life right now.

I don’t want the responsibility for growing my own food. I don’t want to be far away from my family and friends. I don’t want to fight with zoning officers.

Those are other people’s dreams. I have my own idea of the simple life.