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HOW I GAVE UP MY iPHONE (AND LIVED TO TELL THE STORY)

3 months ago I gave up my iPhone.  Willingly.  I wasn’t coerced.  Let me tell you it wasn’t easy!  I did it for a few reasons, the main one being to save $$$.  Actually that was the only reason, however I did see that other benefits could potentially arise from this painful separation. HOW DID I ARRIVE AT THIS SEEMINGLY TERRIBLE …

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 …

HOW DO YOU LIKE THEM APPLES?

I had an unusually early start to the day today, up at 4:15 AM to drive my brother in law to the airport. He travels to visit his mother a couple of times a year, and I enjoy the opportunity for the two of us to chat. Two hours later, I’ve been there and back and it’s still early. The …

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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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GET LAZY WITH YOUR KIDS COLLEGE SAVINGS

Let’s be real, saving money isn’t always easy. I know, some people are born savers and for others it’s hard work. But I’m not referring to natural inclinations. Even for those who come by it easily, there is another factor that can make saving money a challenge: there are so many darn things that we need to save for! Anytime …

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YOUR FINANCIAL FREEDOM JOURNEY: WHERE TO BEGIN

Ahhh, financial freedom. It sounds like a great concept, but where does one begin?  What does it even mean? A common definition often sounds something like this:  The place where a person’s assets generate more income than their living expenses, thus eliminating the need to be actively employed. In short, you no longer need to bust your butt working 9-5 to …