Why I’m Team Gift-Giving This Christmas

Choosing to participate in Christmas in a way that works for you.

To buy or not to buy…that is the question of the season. Every time the holidays roll around there is this debate about how much you should spend. There are the naysayers that don’t buy gifts and choose to celebrate in other ways. Then there are those who spend like crazy people and end up battling debt well into the New Year. And, of course, you have those of us who land smack dab in the middle, spending within their budgets, but spending nonetheless. The Stats The average Canadian spends over $1,500 each on Christmas 45% of […]

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One Small Thing

Taking the time to make someone's day #actofkindness

Black Friday and Cyber Monday have now come and gone, and now that we’ve got that crazy out of our systems we can start to focus on the holiday good stuff. First, though, I want to take one second to humblebrag about how my Christmas shopping is officially done. Anyone else fully embrace Black Friday and Cyber Monday to finish off their Christmas shopping? Some may call that a personal finance fail, but those people are not me. If you need to buy something anyway, why wouldn’t you get it when it’s on sale? The bf and I […]

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Balancing the Splurges with the Scrimps

Where I Splurge and Where I Scrimp to Keep My Budget Balanced

This post is inspired by one of my favourite fellow finance bloggers, Lily from The Frugal Gene. She writes a recurring series about her frugal wins and frugal fails, and it got me thinking about where I spend and save my money. You guys know that I’m not going be winning any awards for my frugality, I’m a bit of a spender. I counteract those spendy habits by finding things I’m willing cheap-out on. Balancing the splurges with the scrimps keeps me on track with my savings goals while still having fun in the present. The Scrimps 1. […]

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How to Christmas When You’re Broke

Christmas is supposed to be fun. Families getting together, exchanging gifts, sharing laughs, and eating way too much…good times. If you’re struggling to make ends meet though, Christmas can be incredibly stressful. You’re supposed to decorate your house, host elaborate dinners, buy gifts for friends, family, co-workers, neighbours, and basically everyone you’ve ever met. It’s a lot! I get it, I used to be a broke college student and didn’t have much left in the bank to cope with Christmas. And I was lucky, I only had a small family to deal with. Let’s try to eliminate […]

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Travelling with Doggo

Jasper Road Trip with a Tag-a-long Pup

A few weeks back we packed up the car and headed to the mountains for the long weekend (it was Thanksgiving for us Canadians). There’s nothing unusual about that. We’re lucky to have both Banff and Jasper about 4 hours from Edmonton and try to make it out once or twice a year. For some reason, everyone always thinks Jasper is so much closer, but they are almost the same distance (per Google driving directions). Anyways, this time around we hit up Jasper and decided to bring one of our dogs with us. Just one?! (Insert shocked […]

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Choose Your Budgeting Adventure

Which budgeting style is right for you?

There is nothing I recommend more to people wanting to understand their finances more than a budget. Seriously, it is an essential first step. Budgeting, Really? Yes, really! What’s the first thing you think of when you think of budgeting? Unless you’re a fellow personal finance geek, you probably had words like ‘boring‘ or ‘uncool‘ or ‘not my thing‘ cross your mind. It gets a bad rap, but that’s just not fair. Nothing can turn your financial life around faster than the right budget. Notice how I said the right budget? I truly mean that. Your budget can […]

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10 Free Things I’m Loving Right Now

You don't have to spend money to find something you love.

I have a bad habit of spending money online when I’m bored, and this becomes more noticeable when the weather cools down, and I spend more time indoors (browsing the internet). Anyone else have the same problem? I also find that this time of year has me craving a wardrobe refresh, even though I don’t need new clothes. To keep myself from spending money I try to distract myself with things that are free. I’m kind of like a dog. If I’m kept busy and entertained, then I won’t get into trouble. (cue cute dog GIF) In […]

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Mapping My Money

Visualizing your spending with a money map.

There has been a trend going around in the personal finance community recently, and that’s creating your money map. This all stems back to two bloggers (Apathy Ends and Budget on a Stick) who published their money maps and inspired the rest of us to do the same. Today I’m jumping on the bandwagon and sharing mine. So what is a money map? For any of you who haven’t already seen one of these posts somewhere else, you’re likely wondering ‘what the heck is a money map?’ Simply put, it’s a fun little graphic showing where your […]

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The Case for Delaying Marriage

The Case for Delaying Marriage: Why I'm in no Rush to Say 'I Do'

Marriage… That wonderful institution where you commit yourself, for better or for worse, to another person for the rest of your life (well, in about 50% of the cases). I’m not against marriage…not at all. But I was also never the little girl who dreamt of her wedding day. I wasn’t some sort of feminist super-child. I played house, and with Barbies, I guess I just never considered a wedding worth my imagination time. Some things never change 😉 For those of you who have been around the blog for awhile, you’ll likely be familiar with at […]

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10 Steps to Organized Finances

Maybe you’re sitting there looking through credit card statements and bank transactions wondering how the heck you got yourself into this financial mess. Or maybe you think you’re on the right track but not quite sure what you need to work on next. Today I’m going to break your finances down for you into 10 steps, so you have a coherent plan (and a fun little infographic) to follow. The system is straightforward, but I’m not going to tell you it will be easy. Paying off debt, saving money and applying for insurance require you to do […]

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