Staying “Trendy” On A Budget

Staying “Trendy” On A Budget

Full disclosure - this post is all about how to minimize your clothing, make-up and personal care budget, while still remaining "trendy"! If you aren't into that stuff, or you don't have a significant other whom you might be able to pass some tips onto who would be interested, you may find this post is [...]

The Financial Skinny On Our Home Gym

The Financial Skinny On Our Home Gym

To pay for a gym membership or not. In the day and age of personal wellness, it is all too easy to justify monthly expenses incurred in the interest of maintaining a healthy lifestyle. I mean, should any of us really be looking to cut expenses that are facilitating us exercising regularly and maintaining a [...]

Why I’m Re-Evaluating My Daily Indulgence After 20 Years

Why I’m Re-Evaluating My Daily Indulgence After 20 Years

Why I’m re-evaluating my daily coffee habit, after 20 years of refusing to give up my “latte”.

5 Personality Traits That Will Make You Broke

5 Personality Traits That Will Make You Broke

While I generally focus on the positive actions we can take to improve the odds of achieving Financial Freedom, it's can also be equally as important to identify and understand where each of our individual money weaknesses lie. While it's great to consistently build our money skills, it's only when we take a critical look [...]

Immediate Gratification Can Work For Your Financial Future

Immediate Gratification Can Work For Your Financial Future

In the pursuit of Financial Freedom, there is no doubt that the ability to delay gratification can give you an immense advantage when it comes to reducing your spending and lifestyle "needs". But learning to delay gratification takes both practice and self-discipline. Our bodies and brains are hard-wired to pursue the instant reward and resisting [...]

The Ideal Banking Framework

The Ideal Banking Framework

Knowing if and when to join finances with your partner can be difficult questions to answer. And because it is a difficult decision to make, people tend to default to the easiest option. Do nothing and maintain the status quo. But how we structure our banking can speak volumes about us as individuals, as well [...]

The Capsule Wardrobe Savings Effect

The Capsule Wardrobe Savings Effect

Last week we talked about how to cut your consumer spending by utilizing the used market to your advantage. We're going to continue the theme of decreasing spending by taking a hard look at an area in life where we can all cut back. The wardrobe. How many times have you stared at a closet [...]

Cut Your Consumer Spending by 50-90%

Cut Your Consumer Spending by 50-90%

In the pursuit of Financial Freedom, the biggest obstacle preventing meaningful progress is spending. Peoples spending habits are where the lofty goals of FF will inevitably succeed or stall. While increasing your income can be extremely impactful in accelerating your FF goals, it does absolutely no good if you simply turn around and spend that [...]

The Pet Mortgage

The Pet Mortgage

Buying a pet is like taking on another mortgage. They come with an upfront cost to actually obtain one, then they require an ongoing monthly payment (in the form of food and general care) AND, depending on the animal, those monthly payments will last anywhere from 10-20+ years. Not to metion those payments can also [...]

Be Your Own Strata (HOA)

Be Your Own Strata (HOA)

If you've ever lived in a property run by a strata corporation (or HOA, same thing) you know that they can be, well......annoying. Very very annoying. I have a hard time asking someone else permission to make trivial changes to my own property. I get the whole concept of wanting everything to look similar and [...]