Category

Spending Money

Category

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…

Before we get started, can we just talk about how perfect this stock photo is. Nothing says no regrets more than a woman double fisting rose. Thanks Unsplash for coming through big time on this one!  Last week I shared with you five money mistakes I’ve made in the past, and am trying not to repeat. This week I’m continuing the trend. This round, I’m highlighting five things I continue to spend on that other people may consider faux-pas. One of the best parts of personal finance is the fact that it’s personal. At the end of the day, it’s entirely your choice how you manage your finances. Sure, us bloggers like to drill down on what we consider best practices, but you’re the one that has to live your life. In that spirit, I’m going to share a few things I do that some of you might think are…

Money regret is something we all deal with. We’ve all made money mistakes that look pretty foolish in hindsight but it’s all part of the personal finance experience. I’ve made my fair share of bad decisions and I wanted to talk about a few of them today. I think talking about our mistakes brings more openness (and less awkwardness) to the money conversation, and can be a learning experience for those starting out. The thing with money mistakes is they are personal. Everyone has different opinions on what’s important and worthy of their hard earned dollars. Some people might think spending hundreds of dollars on a pair of shoes is frivolous, while someone else might wear those shoes to death and get more than their money’s worth. Narrowing down those things that are important to you is a learning process though. And often you’ll only realize it was a bad call…

If you follow me on social media, you may have seen me post lately about how my poor pup is going through some health issues right now. It sucks. Watching them suffer is by far the worst part of being a pet parent. It’s also one of the biggest challenges as a pet owner because medical issues are expensive. Everyday pet expenses can add up, but they’re consistent and easier to plan for. Medical problems can pop up out of nowhere and throw your budget for a loop. I’m all for being a responsible and educated pet owner, so I wanted to share what’s going on both healthwise and moneywise with Baxter. Baxter’s Diagnosis Getting to the bottom of Baxter’s issues has been a challenge. About a month ago he started having accidents in the house which is not at all normal for him. Initially, he was put on antibiotics…

Anyone else find it impossible to get back in the groove after vacation? That’s so me right now! I was only away for just over a week and then had a few extra days off work (brilliant idea past self) but I’m still getting back into a routine. As many of you will already know, the bf and I hit the road to explore a few new to us spots in Canada and the US. I will say I was a little hesitant to travel south of the border, but luckily everything went smoothly. We had the trip booked for a while, and the political climate seemed to get worse and worse the closer our departure date got. We made it in and out with no hiccups, and no one yelled at us for being snowflake Canadians. Win. Drumheller Our first stop was the heart of the Alberta Badlands. The bf…

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…

I enjoy all things beauty. I like to experiment with make-up, wear nice clothes, indulge in skincare, and nurse my hair through frequent colouring and heat styling. The problem? It can sometimes be a challenge finding products that not only work but also fit into my budget and align with my morals. That’s right; we’re talking about beauty and morals. My inner animal lover is coming out full force today. I don’t abstain from animal products; I still eat meat and wear leather, but I don’t agree with animal testing. I’m a human, and I want the products I use to be tested for their efficacy on me…not Thumper the Rabbit. I can understand there are certain arguments for animal testing in medical research, but for my lipstick? Uh, no. If you are putting something in my lipstick that you need to test on rats to ensure it won’t kill…

With the arrival of May comes the arrival of wedding season. And that means money; lots and lots of money. Sure weddings are expensive to host (the average cost of a Canadian wedding is $30k), we all know that, but they are also expensive for guests to attend. It’s estimated that millennials will spend an average of $628 for each wedding they attend. That sounds completely crazy to me! That number does include wedding-related events. It’s becoming more and more common to hold stags and stagettes in other destinations so that sways the average. Now it seems like every other stag I hear about is in Vegas or Kelowna or Banff or something other destination that drastically increases the cost for attendees. Sure it can be a fun weekend away but it also puts a lot of pressure on guests to step up and fork over money they might not…

Do you struggle with reducing your spending even though you know you’re buying things you don’t need? I do. It’s something I’m constantly working on. I see something I want, and I have to convince myself to stop spending money. Sometimes it works, sometimes it doesn’t. Reducing temptations by staying away from the mall and not browsing online retailers in my free time helps. I’m like a kid that way. You know how they have parental controls for non-PG websites? I need that, but for Amazon (and Sephora and ASOS and Old Navy…) Without going completely offline, there is no way to remove all temptations though (I’m looking at you Instagram Ads). You still need an arsenal of tactics to trick your brain into not wanting that thing. Shifting your mindset doesn’t have to be a big deal. It can be as easy as taking one extra minute before swiping your…