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IT’S SEPTEMBER, TIME FOR BACK TO SCHOOL….CHRISTMAS SHOPPING?

Seasons Greetings, Financial Freedom Fighters!   Sorry, I know, that was pretty lame. ?  Today’s post is a short one though, so please hang with me. : ).  In fact, I wasn’t planning on posting this afternoon as I’m working on a longer article to get out in the next couple of days, but I couldn’t resist. My wife and …

THE NORTH AMERICAN CONSUMER: HYPNOSIS OF THE MASSES

I was talking with a friend of mine the other day. A great guy, married with a couple of young kids. He purchased a new car about three years ago, a Hyundai Sonata.  At the time, I remember him telling me that he had financed the purchase over six or seven years, as it made the payments manageable. He drives the …

THINK TWICE ABOUT A REWARDS CREDIT CARD

I don’t typically spend a lot of time reading personal finance blogs. There are some very good sites out there that have quality writing and original content, but aside from a couple that I come back to regularly, I only browse through most occasionally. So forgive me that I’ve just become aware of this. That is, how much personal finance …

6 AMAZING BENEFITS OF NOT USING YOUR CREDIT CARD

For proponents of frugality and debt free living, credit cards make for a pretty easy target. It doesn’t take much work to point out the potential pitfalls of using credit cards for regular spending. It’s so easy in fact, that I get kind of tired from beating up on credit cards. So for this blog, rather than focus on the …

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DEATH BY A THOUSAND CUTS: THE STARTLING COST OF KEEPING IN TOUCH

In my recent post titled, “Your Financial Freedom Journey: Where To Begin”,  I highlighted 3 activities people can undertake to help identify possible overspending.  If you haven’t had a chance, please check it out! In it, I focus on expenses that can be reduced somewhat quickly and easily; discretionary spending, communication costs and outstanding consumer debt (through consolidation of high …

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NEWSFLASH: YOUR KIDS DON’T NEED MORE STUFF!

One of the biggest mistakes I see many parents make is how much money they spend on their kids, or on their kids activities.  I’ve never understood feeling the need to supply everything your child asks for, or thinking that they will somehow be better off by doing so. If this sounds familiar to you, I can tell you that …

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The Outrageous Price Of Convenience

convenience

Would you spend 800% more for a product or service in order to gain a 10-15% improvement to your level of comfort or convenience? The truth for most people is that they would think nothing of this sort of behaviour.  It happens all the time. In fact, it’s one of the biggest reasons people find themselves stuck financially.  We live …

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Your Pickup Truck Is Driving You To The Poorhouse

pickup

When searching for ways to spend less money, you might want to start by taking a closer look at how much you are shelling out to get from point A to point B. Because if you’re like most families, transportation costs are taking up a significant portion of your budget.  And while all vehicles tend to be a money pit …