Making everyday easier
Hidden expenses are everywhere, sometimes they are part of our routine and we don’t realize how much they can hurt our finances. Here is a list of 4 tips to save money, cut some expenses and put that money towards your debt or savings: 1. Stop wasting food When we don’t consume that $4 cauliflower …
Opening a bank account is now easier than ever. Most credit unions or banks offer this service via online banking. How do we keep our finances with a minimalist approach? Online banking is extremely beneficial for the following reason: Paying bills. No need to go to the branch or the actual billing company to make …
Tired of having a mess everywhere? To be able to keep an organized home, every single item needs to have its own place. Storage bins are a great way to put similar items together and designate a forever sport for the container. Benefits You will know where to look first when you need a certain …
If you ever struggle during weekdays on things like cooking, house chores and work, this is a great piece of advice for you! Weekdays are usually dedicated to our jobs and families. Weekends may be for relaxing and getting ready for next week; even more now with these 5 Weekend Productivity tips! Here is the …
No coffee, only tea No TV Sunday to Thursday Write 2 posts per week Why is a monthly challenge so important? 28 to 31 days is long enough for our bodies to adapt to new movements and behaviours, like exercising. If done frequently, it creates mental strength as our mind muscles will be exercised often. …
We all have heard that we should start saving at some point. But, why? Here is a quick retirement savings benefit guide to get you started on those savings now! The sooner you start, the bigger your savings and interest will compound If you don’t know what compound interest is, check out my post! Because …
We all tend to keep buying and accumulating things. Have you paid attention to how much garbage we generate? Besides the items we send to the dump or recycling facilities that were bought for food consumption, the rest could stay inside our household FOREVER, if we let them. So, how do we ensure our home …
So, you may have heard this term in the news or in a post somewhere. What is so important about compound interest? What the heck is it? Can you give me an example of compound interest? Here is one: Part 1: Starting your savings plan Let’s say, you want to start saving for your retirement. …
Budgeting Apps are a great way to give you a snapshot of your cash flow and financial stability by using your income, expenses and investments; all in one single place. There are several free and subscription-based apps that you can choose from. YNAB and Mint are very popular and recommended. I recently downloaded Mint. I …
What are those habits that make some people so successful? Daily journaling of gratitude, visualizations and to-do’s; reading and exercising!
Your net worth means the positive amount of money that you own across all your assets, minus what you owe. It is important because it will give you an idea of how close you are to retirement. The overall goal to reach financial independence or retirement is to have enough income to support your life …
Experts say the retirement amount is around 25 times your yearly net expenses. Let’s get more into it. Calculate your monthly expenses. Make a list of every single expense that comes out of your checking and credit card accounts in any given month. Remember that there are payments that are quarterly or once a year, …
Don’t know what to do this year? Here are some 2021 tips: Break down your big goals for the year into smaller goals, and then those smaller goals into tiny goals. Assign a smaller goal to a month and a tiny goal to weekends. Mark all the 2021 holidays on your calendar, planner or agenda …
Although most of us have experienced a different world for most of 2020; our lives, feelings, thoughts and experiences are different. We all look at life through a different lens. Gratitude heals and brings feelings of peace. We can’t be angry when we are grateful for our lives. Gratitude brings us to the present and …
In no particular order. Just pick one. You can borrow it from your local library or if you buy it to own it, don’t be afraid and highlight important parts and quotes that had an impact on you. I like to go through pages from books I read a while back and re-read the highlights. …
If your city or state is implementing new measures for public health reasons, the reality is that if you are the average Joe, like me, there is not much you can do about it. But, something that you can absolutely influence and change, is your own mind, body and probably your household. The narrative we …
It is hard but is it worth it! Once you get used to a new morning routine, your body and mind will ask for it; just like your cup of coffee. I like setting up new things in my life, new challenges, new routines, hobbies, tasks, etc. Somehow, it makes me feel that I am …
We all want to achieve small but important new habits that improve our day-to-day life. But, how to add small habits to our current lives? If you have tried to start taking multivitamins but forget after the third day, please continue reading! Atomic Habits, by James Clear, is about habit stacking. It is a fantastic …
Start small but start. If you plan your days, weeks or months, write it down on a specific day that works for you. Pick an area or section of your house, it could be the nightstand in your bedroom, a kitchen drawer or the whole basement. If you don’t know where to start, pay attention …
The Registered Education Savings Plan or RESP, is a great channel for Canadian parents to start saving on their children’s education from a very early age. Think about a savings account but with some additional restrictions and benefits where the child is the beneficiary of the account. I won’t go much into detail about what …