It’s Not About the Money

You know that feeling you get when you have to look at your numbers? That sinking feeling in your stomach, or tightness in your chest? That is a symptom of the Ignore-Panic Cycle.  Guess what?  It’s about the money, but it’s not about the money. And … it can feel really different than that. Take one small step. Love and light,...

Staycation – Splurging on a Budget

The Staycation. A vacation choice that is becoming more and more popular, especially with the high price of gas and the exchange rate dipping. It can be a great inexpensive holiday – a way to have a wonderful time away from the day to day schedule. Relaxing, adventurous, fun, quiet – whatever you choose. Staycation: a period in which an individual or family stays home and participates in leisure activities within driving distance, sleeping in their own beds at night (Wikipedia) One of the big benefits of a Staycation is that you are saving on hotels and airfare. Use that big savings to your advantage – and … don’t be afraid to treat yourself. This is still a holiday. Decide how much you will spend, and then spend it! Here are ten great ideas of ways to play. Enjoy – a small splurge is perfect for a Staycation and makes it feel special. Have a great time! Hire a cleaning Service Oh yes … this can feel decadent and is a GREAT way to start and end your staycation. For $80-160 depending on the size and state of your home, you can have a cleaning service come in prepare it for your holiday. Coming into a freshly cleaned home feels wonderful and will ensure you don’t spend your holiday cleaning. Book them to come at the end as well so you can go back to work with your home clean and tidy. Spend the Day on the Beach Set yourself up with a pretty DIY beach tent at the beach. Bring bamboo poles from the garden centre, a pretty...

Advice for a Frustrated Earner

This week, peek in as I answer a Reader’s Question.  Interested in having me answer yours? Post it in the comments section. “What advice can you give someone that wants to work but can’t for health issues. We are unable to make ends meet and save money because one income is not enough to pay rent, bills, groceries and other things – HELP”  From A Frustrated Earner Dear Frustrated Earner – Thanks for the great question.  Yours is a challenging situation.  When health issues stand in the way of a regular income, it can be very frustrating. I will answer for you, and for other readers in a similar situation. You likely don’t have access to disability insurance through a previous employer or you would be using it, but for others who are working and facing health issues and this may be an option. Check with the Human Resources Department of your company if you cannot continue to work for health reasons.  If you have a permanent disability leaving you unable to work, there may be assistance available to you through the Canada Pension Plan (CPP) Disability Benefit. Get Creative about Earning an Income Although you may be unable to earn a traditional income because you can’t do a full day of work, or you have physical limitations, you may still be able to do some work that can bring in income.  Get creative.  Allow yourself to be really open about what you can do. Perhaps think back to what people did many years ago to bring in money. You could bring in washing, ironing or mending.  Consider teaching...

I feel broke

We can’t afford it.  It comes out of the mouths of families all over the world.   We say it about big things and little things.  We say we can’t afford a three-week trip to Europe but we also say that we can’t afford to buy a coffee, a pair of shoes or the cereal the kids are begging for.  What do we really mean when we say We can’t afford it?  In North America, We can’t afford it has become the catch phrase to replace real money discussions.  It is the fallback position of many families who don’t know what is happening with their money. It often has nothing to do with their capacity to actually pay for something. It is a big lie.  Most families can afford to do and have many of the things they want if they choose to make those things a priority. They may not want to spend money on that particular choice, but they could afford it if desired.  We can’t afford it gets used to avoid having to examine priorities and have real conversations about money. We can’t afford it.  What does it really mean? I feel broke. I don’t know if we can afford it. I don’t want to spend on that. I don’t want to think about money. I don’t want to make a decision. It isn’t a priority. I feel scared about our money. We are spending our money elsewhere. And, occasionally, it actually means that it is beyond the current financial capacity of the family. “Money is like water. Money flows through all our lives, sometimes like a rushing...

Making changes in 2014

We do like to talk about the weather here in Canada. You can’t really blame us with the wild ride this last few weeks have been!  Two snow days this week got Emily and I out to clear off a patch of the lake for skating. We haven’t quite moved to dog sleds, but there is more snow at our home than I have seen since I was a little kid. I have talked to a lot of people in the New Year who are ready to see some changes in their life.  Paying down debt, getting on top of their money lives, and a desire for peace of mind with their finances is top priority.  Many are joining into the Money Life Overhaul program starting January 9th.  All the sessions are recorded, so jumping in now won’t leave you behind. Enjoy this weeks tips to Slay the Credit Card Monster and take the steps you need to love your money...