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Saving Money

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There is hardly a moment in the day when my phone isn’t within a few feet of me, and that’s hardly mind-blowing. I’m sure 90% of you are the same. Our phones have become the way we stay connected, keep our schedule, get our news, play games, track fitness milestones, pay bills and so much more. Today I want to put that little device to use for the good of your finances with a round-up of the best money apps for Canadians. Sometimes us Canadians get the short straw when it comes to tech and online services. We’ve all found something amazing online only to be disappointed with outrageous shipping fees or tried to download a service that isn’t available in Canada. That can happen with money apps too, but all is not lost. There are plenty of finance apps that we can use, and that will help us save money…

Did I just say Christmas? Yes, yes I did. You’re probably saying ‘TOO SOON SARAH’, and I get it, trust me. Summer has hardly even started, and I already want you to start thinking ahead to winter…gross! But that doesn’t mean I’m not right. Christmas can be hella expensive, but planning ahead can save you time, money and stress. So yes, we’re talking Christmas planning today folks. I have been the person frantically running around the mall the week (the day) before Christmas attempting to grab some not terrible gifts. Usually, this happens because I was unprepared and didn’t have the money to spend. I love Christmas, like love it, but this is not the way to set yourself up for an enjoyable holiday season. FRANTIC LAST MINUTE SHOPPING + CREDIT CARDS = JANUARY BLUES The last couple of years I have been way better about getting a jump on Christmas…

As you read this, I will be exploring all that Yellowstone National Park has to offer. The bf and I headed out on a road trip this past weekend and headed South into the states to check out a few points in Montana, Wyoming, and Idaho for the first time. If you’d like to follow along on the adventure, then hit up my Instagram where I’ll be sharing a few pictures and stories. While I’m away, I wanted to point you in the direction of a few of my favourite personal finance bloggers so you can still get your PF fix while I’m gone. This is become an annual tradition now (two years counts as tradition right?), so if you want even more, you can check out last years round-up. The Luxe Strategist Any personal finance blogger list I write has to start with Luxe; she is killing this blogging…

Today I’ve got a fantastic guest post for you from Britt over at Tiny Ambitions. Britt is a minimalist, a simple living advocate and a tiny house enthusiast. So pretty much everything I’m not, which is why I’m so thrilled to have her input on the blog this week. Minimalism is something I’ve always been interested in but have never had much success pursuing. As much as I want to simplify life, I still like stuff. You might not be onboard with full-blown minimalism but there are factors that will be helpful for everyone, and reducing clutter is definitely one of them.  Without further ado, here’s Britt to help us get our clutter under control…  I know it seems weird to even consider that your stuff is costing you money. How could something you have in your closet or your kitchen cupboard cost you anything – you already own it?! But, when…

This post has been a struggle for me to finish. It’s been sitting in my drafts for awhile now getting edited and added to now and again. Usually, that happens when a post is personal, but this one’s not. Instead, I’m talking about death, and that’s never an easy subject to tackle. We’re going for it today though because it’s important. And if you find yourself assigned executor duties for a loved one’s estate, then I really hope it will be helpful. First of all, I’m sorry. If you are in this role, then it’s because someone close to you has passed and it’s now your job to get things handled. It’s a crap job but someone has to do it, and someone thought you were the best person for the job. I’m going to try and walk you step by step through what you need to accomplish. What is an…

Frugal living is a trendy topic, especially if you linger around the personal finance community for any length of time. It’s promoted, judged, and debated on almost a daily basis. In the Rockstar Finance Directory alone there are almost 100 personal finance bloggers who categorize themselves primarily as ‘frugality’ bloggers. This list includes blogs like Frugalwoods, How to Save Money and Keep Thrifty. That list does not include me. As many of you who follow the blog will know, I’m a spender. I like doing things, buying things, eating things, and drinking things. And that’s ok. There’s this misconception that being good with money and living frugally go hand in hand. They can, but they don’t have to. It depends on what your goals are. What Does Frugal Mean? You could ask one hundred people to define frugal, and you’d likely get one hundred different definitions. If you ask Google,…

My mom used to tell me never to use the word hate; “you don’t hate it Sarah, you just dislike it.” Thanks for the advice mom, but no. I’m allowed to hate things. And you guys know that I hate cooking. I’m terrible at it and the only part I enjoy is the eating. But you know what? It’s necessary. My bf does almost all the cooking in our house but there are those odd nights when he’s stuck at work, and I need to get something on the table before I spiral into a hanger tantrum. These are the times when take-out is oh so tempting. Getting into that habit though is terrible for my budget. Instead, I have a few quick dinners in my arsenal that I turn to when my name comes up on the dinner schedule. Loaded Carbs Carbs are my friend. I love them…a lot.…

People have a bad habit of losing control of their money and letting it run their lives. I used to be bad for this. My money didn’t have a job. I would work, my pay cheque would get deposited into my bank account, then I’d freely spend until I ran out of money and did it all over again. I didn’t put any thought into what I was spending on and savings? That was for old people! I had all the time in the world to worry about grown-up stuff like buying a house and saving for retirement. Luckily I had parents in my life who asked me some tough questions and guided me into thinking about money a different way. Instead of letting it tell me when I could and couldn’t do things, I was able to take control and give each dollar a job. Need some help putting…

I’m all for saving money, but that doesn’t mean you’ll find me winning any awards for frugality. What’s more important to me than saving a few bucks is keeping myself sane and happy. For me, that means my focus is more on efficiency. I attempt to balance both money saving and time-saving goals to do the best I can. It’s that balance between simple or cheap that is the most important. Sure, I could order take-out every night, hire someone to walk my dogs and clean my house, but if I did that, I’d end up broke and unhappy. Instead, I find ways to cut corners that will still allow me to hit my financial goals. Efficiency over laziness for the win! Time is Finite There are only 24 hours in a day, and at least 7 of those are spent sleeping. At least for me, I am a grumpy…

If you’re anything like me, then you’re likely always striving to make eating at home a more regular occurrence. The fact that made at home meals are almost always healthier and cheaper means you’re fighting back against two demons at once….the dollar devouring green-eyed dragon and the waistline expanding blubbery behemoth. And those two, they’re fierce competition. I’ve got your back though! All it takes to come out triumphant is a plan, and I’ve got 30 days of planning all lined up to get you into the kitchen and out of the restaurant. Instant Pot That one magic appliance that was on everyone’s Christmas list. Raise your hand if you are now the proud owner of an Instant Pot? {Raises Hand} If not, don’t worry. Most of these recipes can be made in a slow cooker or on the stove top. I’ll be honest; I’m not yet a 100% convert to…