The Why of FI

The Why of FI

Amidst all the budgeting techniques, savings tips, spreadsheets, investment strategies and travel hacks floating around the personal finance and FIRE worlds, there's a really integral question that is often overlooked. Why do you want Financial Independence or Financial Freedom? I believe the question is rarely posed because on the surface the answer appears obvious. But [...]

Sleep Your Way To Success

Sleep Your Way To Success

No - I'm talking about actual sleep. Sufficient sleep is a necessity if we want to perform at our best. A decrease in our sleep can have dramatic effects on our ability to concentrate, retain information, make timely decisions, or exercise self-discipline and self-motivation. All functions that will impact our work capabilities, income production, spending habits, [...]

Self-Discipline

Self-Discipline

As a parent of two, there is no trait I want to develop more in my kids than self-discipline. Where you find self-discipline, you find people who work hard, hold themselves accountable and problem solve without having their hand held. People who respect themselves, and therefore also respect others, and are able to delay gratification, [...]

If You Think You Can’t – You’re Right

If You Think You Can’t – You’re Right

I was recently talking with an acquaintance who has a baby nearly the same age as our youngest son. I hadn't seen her in quite some time, and she was lamenting the fact that she had to go back to work from maternity leave. Eventually the conversation turned to her asking me when I was [...]

10 Ways to Avoid Christmas Over-Spending

10 Ways to Avoid Christmas Over-Spending

It's December. Already. While it's already been Christmas season for a month anywhere that sells stuff, most of us are just starting to gear up for the "season of giving". Sometimes it feels like some serious mental preparation is needed to survive the craziness that the North American style of Christmas has become. Christmas parties, Christmas [...]