Monday, 22 December 2014

My Top Ten Favourite SCM Posts of 2014


Unlike in Antarctica, we let penguins spend the holidays together.

2014 is coming to a close.  It's a great time of the year for looking back and reflecting on how the year has gone.

When I started this blog back in September, I'm not sure I thought I'd ever see a post with over 50 comments on it (even if half of those comments are mine).

Thursday, 18 December 2014

This is NOT Another Comparison of Budgeting Apps

When I shared that we've signed up for the MoneyStepper Savings Challenge, I let you all know that we'd be picking a new budgeting tool for 2015.

Our latest system involves a spreadsheet that only tracks "high risk" budget categories and it's been driving me nuts that we're not tracking our full financial picture.

I had planned to compare all the popular apps highlighting all their neat feature with lots of pretty comparison charts.  It was going to be so fabulous that I'd even put a link to it on my menu bar.

Monday, 15 December 2014

Planning and a Promotion

My Mr. has a steady government job.  It's got great benefits, a pension, and a salary that can support a family without a second income.  We both feel very lucky that he has his job. 

He was hired to take on a special project.  Over the years,  the position has shifted away from the work that he really enjoys towards more repetitive day to day tasks that are less of a challenge.  If he wanted to move up the ladder, he'd need to do courses in an area he doesn't really want to pursue.

Thursday, 11 December 2014

Early Christmas Presents for Simple Cheap Mom

What's in the bag???
A couple weeks ago I posted five frugal gifts that were on my Christmas wish list.

Well, Christmas has come early for me and in a very cheap kind of way.

My last post on whether to pay off your mortgage or invest was a bit heavy, so I'm hoping this one will lighten the mood around here.

Monday, 8 December 2014

5 Reasons To Consider Paying Off Your Mortgage

Much of personal finance is common sense.  We know we should spend less than we make.  We know we should avoid credit card debts.

But there are some choices that we need to make that aren't so clear.  Whether to use extra money to pay off your mortgage or to invest is one of those choices.

My first mortgage was amortized over 35 years.  Now, I'm planning to be mortgage free at 35 years old.

I've lived both sides of the argument.  Here's how I see it now.

Thursday, 4 December 2014

50% Savings Rate Challenge Accepted

One of the questions I've asked myself since starting this site is how much of our personal finances I'm prepared to share with the world.  Does it actually add to the conversation if I share our budget, incomes, spending, debt levels and net worth?

Monday, 1 December 2014

How To Cut Your Own Hair

It's pretty standard for frugal guys to buzz their own hair.  A set of hair clippers can be as cheap as just one haircut.

I've noticed something recently.  I'll read an article about cutting your hair at home and then there will be a qualification that obviously this doesn't apply to women.


Cheap ladies listen up.  You CAN cut your own hair.  It's stupid easy.  {Tweet This}