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Spending Money

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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…

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…

Ok ladies and gents…we’re talking about periods and the tampon tax today. I feel like I need to put a disclaimer on that so if my Dad ever stumbles across my blog, he can stop reading. I consider myself a feminist, but there are specific details about my leak week that I’d rather not share with certain people. Clearly that’s not internet strangers! If you don’t like where this is going then feel free to bow out (but also realize that you might be part of the problem, just saying.) Recently there have been reports about the outlandishly high cost of feminine hygiene products in some of Canada’s largest airports (Calgary and Vancouver). It’s ridiculous to charge $15 for a box of pads or tampons, and the stories have stirred up the debate about women having to pay for their periods. Apparently, only bread gets its own price-fixing scandal. In…

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…

You know that feeling when you open your mailbox and just know it’s full of bills? Bills that fill you with a sense of dread. Maybe that’s a dated example. How about when you open your inbox on the first of the month to a long list of companies wanting your hard earned cash. It sucks right? Bills are the worst! It doesn’t have to feel that way though. It is possible to stop hating bills and make sure you’re appreciating the things you spend money on. Why do we think like that though? Sure, you might make a few foolish purchases here and there, but not always. Likely not even that often. I bet the majority of things you buy make you happy. If the dread you feel when opening your credit card receipt is outweighing the good, you feel when swiping, you’re doing it wrong. It’s fixable though.…