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Spending Money

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Remember back in the day when you had to go to a physical bank to take out money or pay a bill or open a new account? If you’re my Dad, that day is still today. But if you’re pretty much anyone else, then that’s likely a thing of the past. If you’re banking with one of the big banks, then you’ll still have access to brick and mortar locations, but I’m going to guess you do 99.9% of your banking online. The big questions though; are you paying for it? If the answer is yes, then I’d like to share with you the upside of no fee banking in Canada.  Seriously, bank fees are outdated. And not in the quirky vintage way. It used to be standard practice that you’d open a chequing and a savings account and pay a monthly fee for your bank to maintain the accounts.…

A June road trip has become an annual tradition for the bf and I. This year marks the third year in a row we packed up the car and hit the road to explore. Our plan for this years road trip was to visit Portland and Seattle and explore the Pacific Northwest. We’ve visited Vancouver and Vancouver Island numerous times but have never been down to that part of the States. When I realized Portland was only a 15-hour drive from Edmonton that decided things and we started making plans. It was such a great trip. We had a nice mix of city exploring, outdoorsy hikes and meeting up with blogger friends who conveniently lived nearby! Waterton Lakes National Park Since the fastest route to Portland took us down through Southern Alberta, we figured we would spend a few days in Waterton. It’s a gorgeous little town nestled in the…

I have been an Optimum points earner since I signed up for my first Shoppers Optimum Card as make-up buying teenager. In that time I may have matured from buying Dr. Pepper flavoured Lip Smackers to bananas and ground beef, but I’m still an avid collector of points. The original Optimum program has shifted from being Shoppers only to the new PC Optimum program after Loblaws bought the brand in 2014. Since we moved into our first home, Superstore has been our grocery store of choice. And that means more opportunities for points. Earning PC Optimum Points The earning isn’t as straightforward as it used to be. It varies depending on where you shop. Shoppers Drug Mart When you make a purchase at Shoppers, you earn 15 points for every dollar spent. You’ll also receive Shoppers specific bonus offers that are tailored to your spending history. For example, right now…

Getting life insurance is one of those things that all millennials should at a minimum consider. But very few of us have actually taken the step. We’re still young and invincible, right? And broke. Life insurance is another expense we don’t need to add to our budget. According to a study completed by New York Life in 2018, only 10% of millennials have enough life insurance coverage. Based on the findings, millennials are dealing with a life insurance coverage gap of $352,000. Thirty percent higher than the next closest generation. What exactly does that mean? It’s the gap between the amount of money you would need to replace the breadwinner’s income and the amount of coverage you currently have. What’s Enough The first question you need to answer when you decide life insurance is a necessity is how much coverage do you need? Do you want to provide your spouse…

Every year Mother’s Day creeps up on me. My mom’s birthday is at the end of April, so I’m always focused on finding her a birthday gift and rarely think ahead to Mother’s Day. Usually, I end up ordering her flowers at the last possible second. Bad daughter! This year I’m trying to get ahead and seeking out something that won’t wilt in a week. As I’ve said before, I much prefer buying unique, handmade items, especially for my mom. If I were to ask her what her favourite gift would be, I am positive it would be something I found at a local craft sale or from Etsy. I’ve spent a lot of time searching Etsy this year for items for our home and have stumbled across a few things that are just perfect for my mom. I thought I’d share some of those with you today so you…

You may have noticed I’ve been MIA on the blog recently. It’s been a tough few weeks, and I wasn’t feeling the whole blogging thing. Our pup Baxter had been battling cancer since last Fall, and the moment we’d been dreading came and we had to put him down on March 27th. It sucked. Even though we knew it was coming, we weren’t at all ready. That last week he went downhill faster than expected, and it was obvious it was time. Flash forward to now, and things are better. I still miss him like crazy, but it doesn’t feel as raw. Coping with grief is not something I’m good at. Honestly, I haven’t had much practice. I’ve been lucky to have avoided significant loss throughout most of my life. I guess that’s one of the perks of having a tiny family. Losing Bax was a blow, but it taught…

Taxes, taxes, taxes. I may not be an accountant but tax season is still the busiest time at work. And I’m not done talking about it yet! I’ve already talked about the best way to file your taxes in Canada and now I want to talk about your tax refund. You know, the good part! If you haven’t filed your taxes yet, you still have until April 30th to get it done. If you are on the ball and have already filed then your refund might be burning a hole in your pocket. Let’s talk about that, and figure out how to prioritize debt, saving or spending. Obviously not everyone gets a refund, but if you do, it can feel like a windfall. I know for myself, if I come into some money unexpectedly, it can be super tempting to spend it all. A new spring wardrobe or a weekend…

Confidence is a funny thing. When you have it, you feel like you can conquer anything, but when you don’t, you find yourself stuck in no man’s land. This happens with a lot of things. How many of you have ever not done something because you thought you’d be bad at it? My favourite (that I have used WAY too many times) is ‘I can’t go to ‘fill in the blank’ workout class. I need to get in better shape first!’ That’s my serious lack of confidence showing. Other examples might be ‘I can’t fix the leaky faucet, I’m not a plumber’ or ‘I think I’ll just stay home, I’m not going to know anyone.’ Sometimes we can be our own worst enemies. And confidence can play a huge role in how you handle your money as well. Not only in how you spend but also how you save and how you…

We’re just coming out of one of the biggest shopping weekends of the year, and it has me thinking about consumerism and all those things we’ve been buying. I’m not above Black Friday/Cyber Monday shopping. I bought stuff. On my shopping list this year was a new mattress and bed frame since we now have an actual guest room, a new pair of black flats for work, and a few Christmas gifts. I spent money, but I went in with a different mindset. In the past, I would have browsed the sales at all my favourite retailers and made purchases motivated by sale prices. There’s nothing wrong with shopping and wanting nice things. But, you want the spending to feel good and not lead to regret. I want my purchases to be meaningful, and that means making mindful decisions. Plus, the older I get, the less desire I have for…

Christmas is six weeks away. Let me know repeat that in case you’re like me and wondering how that could possibly be true… Christmas is six weeks away!  The bf mentioned that in passing this weekend, and I immediately pulled up the calendar on my phone to prove him wrong. He wasn’t. And I’m stressing. I’m usually on the ball with Christmas preparation, but these past few weeks have disappeared. As of right now we have our flights booked out to Vancouver Island (thanks to the bf) and have purchased a grand total of one gift. And that was only because it caught my eye on our last Costco trip. The one positive is that we’re traveling this year and not hosting so, while it makes Christmas more expensive, it’s slightly less planning. I still need to get my butt in gear and starting shopping for gifts though. We buy…