16 Things to Buy Before Going to Disney World

Theme parks are incredible but they can get pretty expensive. There are certain things to buy before you to Disney World that can help you cut your costs.  Most of these things you can get in Disney World, but like all things in a theme park the price is...

How to Manage Finances in a Marriage

Marriage is a wonderful. thing. But trying to figure our how to manage finances in a marriage can be tricky. We don't all have the same values and ideas. Plus we bring with us the past experiences of how our own parents managed (or didn't manage) their money. Since...

How to Become an UberEATS Driver

Why Become an UberEATS Driver? While driving people around has it’s ups and downs, driving food around is pretty easy. They don’t argue or ask you questions, it’s just you and some items getting delivered so you can keep listening to the latest Ed Sheeran album and...

Net Worth Update September 2017

Financial Freedom Update: September 2017 Welcome to my financial freedom report for September 2017. This is where I go back over the numbers from the past month and see how things went. I realize that what you focus on expands. Currently there are 3 parts to my...

Dad, How Do I Make Money?

As a parent you want to have all the answers. You bring a child into this world and, for some reason, they believe that you are the all knowing deity in their life. The last thing you want to do is disappoint them. But as parents we all know we aren't perfect and...

How to Budget For Christmas

Did you end up with a credit card bill shock last January because you didn't budget your Christmas gifts? It's the time of year to start thinking about your budget for Christmas. We don't want the same surprises as last year, so this year we are going to fix that....

How to Handle Your Credit Card Being Stolen

You know how you worry about a ton of things. Then something happens to you that you have never worried about. And it throws your whole world of worries into disarray? That’s what happened to me this week. Tuesday afternoon my phone rang. Since my phone hasn’t rang...

August 2017 Net Worth Update

Financial Freedom Update: August 2017 Welcome to my financial freedom report for August. This is where I go back over the numbers from the past month and see how things went. I realize that what you focus on expands. So I am making a point to introduce a few new parts...

Top 15 Rides to Get Fast Passes For at Disney World

There are a lot of rides at Disney World and as a first timer it's overwhelming to book your rides before you get there. Here are the top 15 Disney rides to get your Fast Passes before you arrive. If you don't like rollercoaster then you can check out this post here...

How Much Does A Disney World Trip Cost?

Disney World is a once in a family lifetime trip. It's that trip the kids dream about and that us as parents want to give them. There is just one little problem. The cost. How much does a Disney world trip cost? The answer will depend on your situation but I will...

why i’m choosing not to pay off my mortgage early

Hey everyone! I have a great guest post from my buddy over at Britt and the Benjamins. She recently wrote about how she isn't rushing to pay off her mortgage. I thought it would be a great way to show that there are many roads to becoming a money master. This post...

What about the other 4223999 steps?

  No doubt you have heard someone talk about their resolutions and goals for the upcoming year. You have probably read about the SMART goal system and how it's important to get started.  One of my favourite success quotes that gets pulled out a lot is: "The...

9 Simple Ways To Make Money Sitting On Your Couch

It's a typical Tuesday night, you settle down to watch your favourite show on Netflix and it's good. Not as grabbing as the last one you watched but hey, it's still cheaper than cable. Then you start to think "Man I wish I could make some money" but you don't know...

Net Worth Update July 2017

Net Worth and Financial Freedom Update: July 2017 Welcome to my net wroth update and financial freedom report for August 2017. This is where I go back over the numbers from the past month and see how things went. I realize that what you focus on expands. So I am...

Should You Buy or Rent a Cottage?

Have you ever dreamed of owning your own cottage? A place where you can go and escape the buzz of the city and enjoy a simpler life? More and more people we know seem to be buying into the idea of a second home. Usually in the form of a cottage. A place they can go on...

How to Save Money On Back To School Clothes

As your kids get older there will be more and more pressure to express their individuality. They are developing their own identity, and they want to be unique. That's why they want the exact same Under Armour sweater that every other kid in their grade has on. Luckily...

Net Worth Update June 2017

Financial Freedom Update: June 2017 Welcome to my monthly financial freedom report. This is where I go back over the numbers from the past month and see how things went. I realize that what you focus on expands. So I am making a point to introduce a few new parts of...

How To Save Money On Groceries

Food is a huge area of spending when you’re a family with growing kids. Any way you can cut your food costs is a considered a win. When it comes to saving money around food, realize that it all counts. Lets get started on how you can save money on your...

How to Take Your Student Debt by the Horns

Hey everyone, I have a great post from Drew Cloud over at The Student Loan Report, since student loans affect so many of us I thought it would be great to have Drew give us some tips for taking control of your student debt. Make sure to check out his site...

What are Digital Assets?

A big part of your financial security can come from assets that you own that pay you a residual income. It's a big part of our family money plan. We continue to buy assets and add them to our portfolio. Some of the more common assets that provide income are: Stocks...

8 Mistakes to Avoid When Buying a Used Car

 Hey Everyone! I have a great post today from  David, the founder of CarUnderstand. He's offered to share some insights into buying a used car and how to avoid some of the mistakes we all make. Owning a car is a privilege because you can get to many places without...

What Would You Do If You Saw A Kid Literally Throw Away Money?

This past weekend we had a boys day where 3 generations of us boys (Grandpa, my son and I) go out for a burger and hang out. This day had us end up in a lower income area (to quote my police officer friend "You shouldn't go in that area"). Never the less, grandpa...

Net Worth and Financial Freedom Update May 2017

Net Worth and Financial Freedom Update: May 2017 Welcome to my financial freedom report. This is where I go back over the numbers from the past month and see how things went. I realize that what you focus on expands. So I am making a point to introduce a few new parts...

What A Concussion Taught Me About Life and Money

Back in December I was playing one of my usual back-to-back games of hockey (I point this out to feel like less of a "money nerd" and more "jock-ish"... it's not working too well). Like every other game I fell (not so jock-ish). After 30 years of playing the game I‘ve...

Why I Fired My Financial Advisor

I had a long overdue conversation with my financial advisor this past week. For the longest time, I have been putting a little bit of money in to mutual funds. These funds haven't exactly been performing too well (understatement of the year).   To give you a...

28 Ways To Save Money on Utilities

How to Save Money on Utilities When we started our operation financial freedom we knew that we had to save money everywhere we could.  One of the things we did was to start looking at the recurring expenses namely: Utilities.  You know, those pesky expenses that come...

Watch out for Gateway Expenses

Not all expenses are created equal. Some things we buy and that's the end of it. Like a cup of coffee. It's just a coffee. Yet, other expenses are the beginning of a much larger more expensive pursuit. Those expenses are gateway expense.   Gateway Expense...

28 Things We Gave Up To Be Mortgage Free

28 Things We Gave Up To Be Mortgage Free If you are new to this site, we became mortgage free at the beginning of this year. More recently, we just became debt free this past week!!! One of the questions I get a lot is "How did we do it". While I usually allude to...

How to Become an Uber Driver

Hey guys! I have a great post by Dave Chen, owner of Millennial Personal Finance. He's been putting out some great content for Millennials so make sure to check out his site after your done. Take it away Dave! How to Become an Uber Driver If you are looking for a side...

Top Non Rollercoaster Rides to Get Fast Passes for Disney World

Some Disney rides can have long lines an hour into the day. If you aren't careful you could spend hours in line everyday. If you have checked out our strategy to optimize your Disney FastPasses, you will know there are things that you can do to get the most out of...

Net Worth & Financial Freedom Update: April 2017

Net Worth & Financial Freedom Update: April 2017 Welcome to my financial freedom report. This is where I go back over the numbers from the past month and see how things went. I realize that what you focus on expands. So I am making a point to introduce a few new...

4 Things You Must Do Before You Go To The Grocery Store

4 Things You Should Do Before You Go To The Grocery Store When it comes to the big 3 for daily spending it's Home, Food and Transportation. Food is by far one of the more challenging ones.  The big issue with food comes from lack of planning. When you don't have a...

The Simplest Way To Control Your Credit Card Spending

The Simplest Way To Control Your Credit Card Spending I was at a get together recently and I had this conversation with someone, that if I'm being 100% honest,  I think I have had mentally about a thousand times before I actually had it out loud. "I need your help...

Short-Term Money Goals You Can Still Crush This Year

Short-Term Money Goals You Can Still Crush This Year If you are like me, this year is moving pretty fast. If you haven't started on your money goals yet this year, maybe it's time you set some short-term money goals to get the ball rolling. Short-term money goals are...

7 Things You Should Be Saving For Every Month

7 Things You Should Be Saving For Every Month When it comes to savings I love a good plan. If there is one great thing about the internet and online banking it's the ability to automate your savings.   Before I jump into the list here is what you will need to...

Net Worth Update March 2017

Financial Freedom Update: March 2017 Welcome to my financial freedom report for March 2017. This is where I go back over the numbers from the past month and see how things went. I realize that what you focus on expands. So I am making a point to introduce a few new...

Are You Living Your Story?… or is it someone else’s

Are You Living Your Story?   ...or is it someone else's? Have you ever had one of these those conversations that changes you at the core. A talk that affected you so much, you can't help but draw on it over and over as you make your way through life?   I had one...

Financial Freedom Update: February 2017

Financial Freedom Update: February 2017 Welcome to my financial freedom report. This is where I go back over the numbers from the past month and see how things went. I realize that what you focus on expands. So I am making a point to introduce a few new parts of my...

What’s Your Investor Personality? Take the Quiz!

What's Your Investor Personality? Take the Quiz to Find Out When you think about investing, something inevitably comes to mind. Maybe it’s the opportunity to create wealth, maybe it's fear of losing money , or maybe it’s somewhere in between. Without knowing your...

The 2 Most Dangerous Words To Your Money

The 2 Most Dangerous Words To Your Money When you are growing up you probably had a people tell you to speak a certain way. One that comes to mind was: "Say: 'Pardon me?', not 'Huh?' or 'Eh?'." People knew that what you said could change the way others look at you....

What is a Scopist? How to Make Money Scoping

What is a Scopist? How to Make Money Scoping. Sometimes you hear a word and your not sure exactly what it is. That's what it was for me when I heard the word "scopist" I wasn't sure exactly what it was. Luckily I was able to get a good description from Linda. She's...

How to Set and Achieve Your Financial Goals

How to Set and Achieve Your Financial Goals Now that the resolutions are done, it's time to talk about setting some financial goals. Everyone needs to have a financial goal. Even if that goal is "Set a better financial goal for this year." Whether it's saving up for a...

Net Worth and Financial Freedom Report January 2017

Financial Freedom Update: January 2017 Welcome to my financial freedom report for January 2017. This is where I go back over the numbers from the past month and see how things went. If what you focus on expands, I am making a point to introduce a few new parts of my...

The Budget That Changed My Life

The Budget That Changed My Life This past month we finally paid off the last of our debt. We are officially debt free. To celebrate this, I thought I would share the budget that we started with 10 years ago that has been the catalyst for changing our lives. The...

5 Tech Gifts Under $30 for Your Favourite Tech Guy

I love tech gifts. More specifically I love getting tech gifts.  The only problem is that most of them always come with a hefty price (hello all Apple products). That said, there are a few tech gems under $30 that can make your life remarkably better by having them in...

Debt Free Isn’t What I Thought It Would Be

Debt Free Isn't What I Thought It Would Be This month was our first full month being debt free. No more loans, mortgages or lines of credit. It's been great, but it wasn't what I expected. The past 5, 10... ok all the years of my normal adult life have had some sort...

How to Work From Home as a Transcriptionist

One of the great things about the internet is that it's opened up a ton of new opportunities for earning a living. You are no longer required to find a job in your city, or even country, to earn a decent living. The best part is that many of these jobs and businesses...

Net Worth Update December 2016

Net Worth Update: December 2016 Welcome to my monthly net worth and financial freedom report for December 2016. This is where I go back over the numbers from the past month and see how things went. What you focus on expands, so I am making a point to introduce a few...

How to Pay Off Your Mortgage Faster (in as Quick as 5 Years)

How to Pay Off Your Mortgage Faster (in as Quick as 5 Years) While buying a home is a memorable first experience full of pride and excitement, getting to pay for that home over the next 20-30 years is something ..ahem… shall we say less memorable.  Let's face it...

A Gift We Can All Give Ourselves and Everyone Else This Year

This will be my last scheduled post for 2016, thank you to everyone for reading, it's been an amazing year. I can't wait to see what 2017 brings. A Gift We Can All Give Ourselves and Everyone Else This Year One night after my hockey game the guys were sitting around...

Net Worth Update November 2016

  I have been doing my net worth statement every month for 10 years. This has been a driving factor in getting out of debt and becoming mortgage free. If you are new to personal finance, and want to take control of your money, I would suggest you get familiar...

4 Quick Ideas To Save On Christmas Spending

4 Ideas To Save On Christmas Spending(Before I begin make sure to check out my interview with the His and Her Money Show Podcast, I had a lot of fun talking with them about how we became mortgage free) Christmas season is officially here.If you managed to get some...

What’s Your Daily Spending Rate?

What's Your Daily Spending Rate? I was sitting at dinner a few weeks back with some friends and we got to talking about money. I had been playing with the idea of a personal daily spending rate and really wanted some insight. As we waited for our entrees, I not so...

Save More Money

Save More Money (This is an updated version of a story I heard about a preacher, I adapted it for personal finance community) There once was an amazing personal finance blogger who posted incredible material every week. People from all around the world would flock to...

7 Gifts Under $50 She Will Absolutely Love

7 Gifts Under $50 She Will Absolutely Love (If you are looking for some gifts for him, you should check out this post here) Getting the right gift for that special lady in your life can be a challenge. If you are like me you want to get your gifts out of the way as...

7 Things to do Before Buying a House

7 Things to do Before Buying a House   7 Things to do Before Buying a House When you are buying a home for your first time you need all the tips you can get. Buying a home is a huge rite of passage for most people. There is nothing like having a place that you...

Net Worth Update for October 2016

Net Worth Update for October 2016 As I sit here handing out the last of my Halloween candy I have only one thought: ""Holy crap does time fly by some months!" I don't know about you but this is the time of year where everything starts to get busy. Kids activities are...

Our First Blogiversary and Income Report

Our First Blogiversary and Income Report It's amazing how time can zip by. A little over a year ago I decided to take on a new challenge. With no knowledge of the internet (seriously before this past year my internet surfing consisted of Google and a few other sites),...

7 Christmas Gifts Under $50 That Will Blow His Mind

7 Christmas Gifts Under $50 That Will Blow His Mind (If you are looking for gift ideas for her that she will love and are under $50 you can check out this article here) It's getting to be that time of year and there are no shortage of great gifts popping up. If you...

7 Ways to Make Money Before Christmas

With the holiday season quickly come up there is a sudden urge to make more money before Christmas finally arrives. Here are some ways to make money before Christmas, to help you out with all the extra demands that come up on your wallet. Pick up a Part Time Job From...

6 Cool Tips to Save Money and Avoid Debt on a Family Vacation

6 Cool Tips to Save Money and Avoid Debt on a Family Vacation  (Today's great guest post is from financial writer Patricia Sanders. Enjoy!) Family vacations are a must for me since they give me an opportunity to recharge my batteries. They give me a chance to have...

Net Worth Update September 2016

  Net Worth Update for September 2016 As a background, I have been running my net worth numbers every month for 10 years. It's been a huge factor in my financial development and success. If you are new to personal finance I would suggest you get familiar with all...

How To Save Money On Electronics

With the fast-paced changes happening in the world today, especially around of technology, finding ways to save money on electronics and cut costs has become even more important.  I’ve outlined a few ways below to save money on your electronics below none of which...

How to Stretch Your Household Income

How to Stretch Your Household Income By Allan, a guest contributor. Income disparity is growing, leaving many earners to make do, with less. But even if the middle class is shrinking, there are still ways to stretch a small income. With discipline and commitment...

How to Handle Your Kids Allowance

How to Handle Your Kids Allowance (Quick note this is a continuation from the last article Dad, what is money? If you want a better context you can read that post here.)   When it comes to kids getting allowances, I'm a huge fan. There are many pros to kids...

100+ Ways to Save Money

There are a lot of ways to save money, from coupons to apps, to common sense things that we can forget to do there are tons of things. Here are 100 ways you can save money.  There is a post for each of these so make sure to pin it for later so you can get all these...

12 Ways To Save Money Eating Out

Every now and again it’s fun to go out to eat. The key is not going crazy and making sure you know how to save money eating out. There are a few key areas that if you can master dining out is really affordable for most families. Before You Go Out Pregame Before Going...

10 Ways to Save Money at Work

Going to work is a fact of life. One thing that we don't always think about is that work is expensiiiiiive. For all the time we spend at work making money, we rarely consider ways we can save money at work. After all we go there to make money so thinking about how we...

8 Ways to Get Your Kids Tuned In To Scholarships

8 Ways to Get Your Kids Tuned In To Scholarships   (I have a great guest post for you today from Andrew at SchorlashipFly.com I'm not at the point where my kids will be needing scholarships but it's something that I'm starting to think about as my kids get...

How To Make Extra Money With Surveys

How To Make Extra Money With Surveys   Part of our plan to become financially free involves making more money. At the end of the day, you can only cut your expenses so much. So it's a good idea to see what is out there as far as earning extra money goes.  ...

Tips to Save Money On Your Car Expenses

You have three big expense groups in your life -Transportation being one of them. When you’re looking for ways to cut your travel bills, make sure to consider these ways to save on car expenses. Note: If you are looking for ways to save money on fuel you can check out...

Dad, How Do I “Do Money”?

  Dad, How Do I "Do Money"?   As a parent, anytime you kids start something new there is a part of you that wants to hold on to the old way. Because every new step in life your kids take reaffirms that they are getting older and that means you're getting...

How to Save Fuel and Money Too!

When it comes to driving, there is one cost we can (somewhat) control and that’s fuel. Let’s face it owning a car gets expensive. Fuel is your biggest on going cost so looking for how to save fuel makes the most sense. Luckily there are a lot of easy things you can do...

11 Ways to earn extra money online

It used to be that if you wanted to make some extra money online there were a lot of steps involved. Fast forward to today and there are tons of ways to earn extra money online. If you have a smartphone in your pocket you can start earning today. Best of all there are...

Dad… What is Money?

Dad... What is Money? (Quick note our email course: The Money System that Changed My Life is now available. Check it out here) “Dad, what is money?” my 5-year-old son asked me on a bright summer afternoon as I sat in the yard. Catching me totally off guard from the...

Important Dates for your Disney Holiday

For most of us Disney is going to be a once in a lifetime trip. To make sure you have the best time you want to make sure that you have some key dates marked on your calendar. I've covered how to save for your Disney trip in this post, once you have the savings plan...

Should You Pay for a Cash Back Credit Card

Sometimes doing smart things with money can feel counter intuitive. I had an interesting thing happen this past week and I thought I would share it with you. A friend and I were out having lunch, nothing fancy just a good burrito. When it came time to pay, he pulled...

The Best Fast Pass Rides at Walt Disney World

Some Disney rides can have long lines an hour into the day. If you aren't careful you could spend hours in line everyday. If you have checked out our strategy to optimize your Disney FastPasses, you will know there are things that you can do to get the most out of...

Net Worth Update August 2016

Net Worth Update for August 2016   As a background, I have been running my net worth numbers every month for 10 years. It's been a huge factor in my financial development and success. If you are new to personal finance I would suggest you get familiar with all...

How Often Should You Track Your Net Worth?

  Once you have started tracking your net worth, the next obvious question is going to be "How Often Should You Track Your Net Worth?" I believe that it should be done every month.   Here's why:   The first time you track your net worth you will find...

Net Worth Update July 2016

Net Worth Update for July 2016 Before I start I've done a couple of interviews in the past month. If you are interested check out 1500Days, Tangerine Bank, and It Pays Dividends to find out more about me. I'm a little late to the Net Worth Update party for this month,...

7 Ways to Turn Your House Into a Money Maker

Some people say their home is their greatest asset, but without it generating any type of revenue, that asset is kind of a dud until you sell it. If you're looking for ways to turn your home into an income generator check out these ideas to start taking in some extra...

9 Ways to Make Money With Pets

If you are an animal lover and can't get enough of your furry friends then you could turn your playtime into earning time. Here are some ways to earn money with pets. 1 Pet Walking If you love dogs and love walking this is probably the greatest part time gig for you....

Fintech Services That Need To Come To Canada

Something I haven't mentioned very much is that I am a proud Canadian. I'll admit I have a tendency to fit into some of the stereotypes. I play hockey, this winter we built a quinzee with the kids (like an igloo, but easier), and if someone tells me to say "About" I...

How To Save Money On Kids Clothing

If you have growing kids how to save money on kids clothing is probably at the top of your weekly thoughts. Buying kids clothing can feel like a you are playing a losing game as they make their way through multiple growth spurts. Add in the fact that your little one...

The 1 Thing You Should Change on Your Mortgage Today

The 1 Thing You Should Change on Your Mortgage Today The 1 Thing You Should Change on Your Mortgage Today I just got off an email and I couldn't wait to share it with you. I was being interviewed on paying off our mortgage and I have to get this out quickly. The...

The Benefits of High-interest Savings Accounts

The Benefits of High-interest Savings Accounts RateHub.ca (Hey Everyone! I'm on holidays this week so while I'm away check out this great post from Rate hub about the benefits of High Interest Savings Accounts) If you want to save, you have a number of options of...

Family Spending Report: Canadian Rockies

  Family Spending Report: Great Canadian Rockies   We are finally back from our time in the Rocky Mountains. There is something so powerful in being able to get away for a few weeks and enjoy another part of the country. I'm a little new to the whole "Here's how...

Every Song Is Secretly About Money: Best Of You – Foo Fighters

  Driving 3000 plus kilometers in a week you listen to a lot of music. Somewhere along the journey this idea popped into my mind. Enjoy! Every Song Is Secretly About Money: Best Of You - Foo Fighters Have you ever listened to a song and wondered: What was the writer...

Net Worth Update for June 2016

Net Worth Update for June 2016 Some quick housekeeping... I will be going to just 2 posts a week one on Monday and a Behind the Screen Interviews on Friday for the months of July and August. To make sure you don't miss out sign up for our newsletter here.  Now let's...

What Financial Health Means to Me

What does financial health mean to me? When I think of what financial health means to me there are two things that come to mind: Taking Action and Confidence Being financially healthy means to be taking the active steps in your life towards being financially fit. Just...

How to build your family’s emergency fund

This is a sponsored post When it comes to handling family budgets as well as personal savings, couples need to set aside extra funds in case of any emergencies. In fact, experts call it ‘a necessity’ even though there’s an increase in the amount of people who feels...

That Time I Almost Threw Away $100

  (Before I get started, I did an interview with Michael from Financially Alert, if you are looking for a different side of me you can check it out here) That Time I Almost Threw Away $100 There is nothing worse than buying something and feeling like you have...

Passive Income 101 – Vending Machines

Passive Income 101 - Vending Machines Welcome back! As I make my way along the different passive income sources we are looking into, I thought it would be nice to revisit one of the first passive income sources I had looked into over 15 years ago. Vending Machines....

Passive Income 101 – Web Based Business

Welcome to our 3rd installment of passive income 101. Today we are going to look at everything web-based. If you think you would like to start your own website you can get started in as little as 5 minutes with my guide.   How do websites make money? Since...

Passive Income 101 – Stocks

Passive Income 101 - Stocks   This is the next instalment of our Passive Income 101 Series. If you would like to get all of these posts in a nice guide simply si gn up for our mailing list and I will send it to you when it's done.   What is a Stock?   A...

Passive Income 101 – Real Estate Rentals

Passive Income 101 - Real Estate Rentals Last time we talked about passive income and how there was only one true source of passive income. Interest. Take a look at the post to see if you need to upgrade your passive income knowledge. Today we are going to delve into...

The Best Strategy to Optimize Your Disney Fast Pass

Disney World is a group of theme parks like no other. With all there is to see and do you have two options. Show up and figure it out as you go (not my cup of tea) or have a loose plan in place where you can maximize seeing as many attractions as possible. Disney...

Does Passive Income Really Exist?

Does Passive Income Really Exist? I am declaring June as passive income month here on Family Money Plan. This month I will be going into the different types of passive income that are out there. Our 5-year plan is starting to turn in to a more-than-likely 10-year...

Review of FreshBooks

Last time Family Money Plan posted about Freshbooks we were giving their 30-day free trial a shot. Here is a quick review of Freshbooks and what we thought of it. What is Freshbooks? FreshBooks is an online accounting software that helps millions of non-accountants...

Net Worth Update for May 2016

  Net Worth Update for May 2016 Just as a background, I have been running my net worth numbers every month for over 10 years. It's been a huge factor in my financial development and success. If you are new to personal finance I would suggest you get familiar with...

The Grid: My Financial Freedom Tracker

Last time I wrote about how most personal financial freedom formulas weren't working for me.   I ended up explaining my own system to give myself 12 mini goals rather than this one huge goal.   After looking at this I took it one step further.   I broke...

How I’m Approaching Passive Income and Financial Freedom

If there is one thing that I have on my mind lately it's pizza...pizza and Financial Freedom. I call it FF, but others have a bunch of different names for it.   Retirement. Financial Independence, FIndependence. Early Retirement . Freedom.  But for me, I just...

How to Save for Disney on $20 a Day

There comes a time in every parents life where your kids realize that Disney just isn't movies. (Sigh..) They realize it's the most magical place on earth.  Usually, that realization comes when someone else in your kids class goes to Disney first and comes back and...

5 Obstacles You Need to Overcome to Be Better With Money

5 Obstacles You Need to Overcome to Become Better With Money Tell me if any of this seems familiar. You're at home. Sitting on the couch. Boredom sets in. Then you catch yourself thinking: "I'm bored, I should go shopping". So you jump into the car, or open up Amazon,...

Net Worth Update for April 2016

Net Worth Update for April 2016 This April is going to go down in the records books when it comes to memorable months. There were so many firsts, that I don't know where to start. This marks our 6 months of our site being up and I'm thrilled with how it's all gone. I...

The 1 Question to Keep Asking Yourself With Financial Freedom

"Careful what you wish, you may regret it careful what you wish you just might get it..." - King Nothing - Metallica P.S. Make sure to check out my break up letter with debt on Dear Debt.com big thanks to Melanie. I had a lot of fun writing it. What's Your Idea of...

Questrade Review – My Investment Broker Of Choice For 10 Years

Questrade Review - My Investment Broker Of Choice For 9 Years Our next 5 year plan is going to be all about financial freedom. There are a lot of topics and some great issues that are going to be revealed, but before I get into any of that I need to get started in my...

How To Start A Personal Finance Blog

How To Start A Personal Finance Blog If you have been reading personal finance sites you will start to see a common theme emerge. They all seem to get better with their money over time. That's why it may be a good idea for you to start your own personal finance blog....

3 Things to Know About the Power of Compounding

Hey everyone! I have a great post here from Michael over at Stretchadime.com take a look and give Michael some love by checking out his site. Have a great weekend! 3 Things to Know About the Power of Compounding 3 Things to Know About the Power of Compounding...

Entering the Unknown – Taking on New Challenges

Entering the Unknown - Taking on New Challenges Do you love taking on a new challenge? I sure do. I'm known for taking on challenges. I love them. I love what comes from taking on something that can make you grow as a person and expand who you are. Lately, there are...

Is Debt A Drug?

Here's a question for you: Close you eyes and figure out what I'm describing Wait! Open your eyes, this won't work unless you are reading. Doh! Ok. Ready? Here we go: What would you call something that: Is easy to get your hands on. Gives you instant gratification,...

How I Saved $630 in The Save My Savings 30 Day Challenge

Just over a month ago I had an idea to start tracking my savings from all my purchases. It seemed pretty simple. Any money that was saved between the regular price and the sale price would go into a separate bank account. At the end of the month, I would see how much...

The Benefits of Using Mortgage Brokers

The Benefits of Using Mortgage Brokers The following post is from our friends at RateHub.ca I have used a mortgage broker for everyone one of my mortgages. Their service has saved me time and money but most of all it has saved me the hassle of...

Net Worth Update for March 2016

Net Worth Update for March 2016 As I sit here writing this it's April fool's day. The green in my yard has been covered by another layer of snow as winter tries to stage once last comeback. I guess even Mother Nature has a sense of humour! 🙂  It's a lot easier to...

Do You Need Insurance?

Napoleon Hill once said: "If you are the bread-winner for your family, then it is up to you to make sure you are adequately insured should you pass, that way they have a down payment on a new spouse." I don't like to think about the final D word. Right now we are in...

The Simple Retirement Calculation Keeping Me Up At Night

The Simple Retirement Calculation Keeping Me Up At Night Do you remember what it was like being a kid and not being able to fall asleep because you were so excited?! How you would lie in your bed starring at the clock wanting to fall asleep, but getting so excited...

Autopsy of a Big Purchase

Once in a while, it's good to look back on the things you have bought and decide if it was actually worth it. It's been a year since we bought our brand new 2015 Toyota Highlander. This was our first new car that we bought as a couple. Prior to this, we always bought...

6 Mortgage Mistakes I Made Paying Off My Mortgage Early

6 Mortgage Mistakes I Made Paying Off My Mortgage Early 6 Mistakes I Made Paying Off My Mortgage Early While we have been pretty happy about our paid off mortgage, not everyone feels the same way. Sure haters are going to hate, and everyone has their own opinion about...

4 Must Listen to Podcasts

What is a podcast? If you are new to podcasts let me tell you something, you are in for a real treat. Podcast are like radio shows, (or tv shows) that you can download for free on iTunes and on Stitcher. Why listen to them? Podcasts are a great way to learn about a...

Success Takes Time

Success Takes Time I was talking to a long time friend (we met when we were 3 if you can believe that) and he's getting ready for another big exam. His final one to become a Chartered Financial Analyst. This is a big, big lifetime goal of his and it's taking a lot of...

Take the Save the Savings Challenge

Introducing the Save the Savings Challenge The whole idea of this goes back to a conversation I would have with my dad every few months. Whenever I would buy something new (or used in a lot of cases) I would proudly come home with it and show it to my dad. He would...

Giving Freshbooks a Try

Since starting this website I have had a bunch of new business items come up. Getting ready for tax time this year made me realize that I need to get some systems in place. Otherwise I'll be wasting a ton of time in a year organizing and recording things.  While I...

Net Worth Update for February 2016

Net Worth Update for February 2016 This was one of those months that everything stayed relatively flat. Flat sucks when you are trying to build wealth. Obviously it's better than a down month (no one ever likes those). Looking back at my numbers it's evident why and I...

The 5 Personal Finance Books You Must Read and a Bonus Free Trial

I've read well over 100 personal finance books since I left school behind. Some were life changing, others were well... let's just say there's a few that I would like to get my time and money back. But then there are those that I keep coming back to. The ones that...

New Mortgage Rules Have Kicked In For Canadians

New Mortgage Rules Have Kicked In For Canadians By RateHub.ca The following is a guest post by Rate Hub.  If your family is looking to buy a home, you may need to save a bit more for a down payment because the government has tightened mortgage rules.   The down...

Couples Finances Part 2 – Ways to Manage Money As A Couple

Couples Finances Part 2 - Ways to Manage Money As A Couple Now that you are starting to talk about money you will need to pick a system for managing your money. When it comes to handling money in a relationship there are a bunch of different ways you can do it. In the...

What’s Your Money Personality?

Have you ever found yourself in a conversation about money with someone and the two of you just click. "You are on the same wavelength" as my mom used to say. You have the same money personality. Then you try to have the same conversation with another person and it's...

An Open Letter to My 18 Year Old Self

A letter I wished I had received as I finished school... "Buddy, you've made it! Congratulations! Right now the air smells a little sweeter and you are probably as excited about the future as you are nervous. There are so many things I want to share with you but the...

Monthly Health Goals Update for January 2016

Since I’m really, really wanting to make my goals a success this year I am going to do a short update once a month or so to keep me more accountable. I think being accountable is a good way to keep going with your goals. So here goes my personal update... Weight...

Net Worth Update for January 2016

Net Worth Update for January 2016 I'm going to start off by saying that this is the net worth statement post I have been looking forward to since I first started tracking my net worth back in 2007. That said a few other things happened this month that leaves it to be...

We Are Mortgage Free in 6 Years! Find out how we did it.

  We Are Mortgage Free! This has been an amazing year so far. Both personally, financially and website-ly (not a word, but it should be). Still there is something extra special in getting to share this with you. I'm very proud, and excited, to announce that we...

How To Use Credit Cards Wisely

Credit cards are a hot bed topic. Are they good? Are they bad? In all honesty, I think they are doing more harm than good for a large chunk of the population. That said, I do see the benefits of having a credit card provided you follow some basic rules. A big reason...

How to Pick Better Goals

blloThis is the time of year that always confuses me. I see so many well intentioned people out there get excited by the prospects of a fresh new year. They set their goals, they start off ... and they are lucky if they make it past the first month. Maybe you've...

Truth Time: I’m a Little Freaked About Being Debt Free

Ok, close the door behind you I have a little confession to make. (Deep Breath) I'm nearly debt-free and I'm starting to worry. Ok..truth be told... I'm in full freak out mode for some reason. 7 years ago we were almost debt free. We could have done it soooooo easily....

Net Worth Update for December 2015

Net Worth Update for December 2015 (When it comes to monthly reports I'm going a different route than a lot of others. Instead of going through the nitty-gritty of every detail on my net worth statement. I'm taking a macro view so we don't get bogged down by the...

How to get financially smart in the year ahead

If there is something we can all use after the holidays it's a financial check-up. If you feel like your credit card bill is so big it needs it's own mailbox, you aren't alone.  It seems to come every year... family gatherings, work outings, shopping, christmas...

Health Goals for the Year Ahead

As the year starts to wind down I set my sights on the year ahead. It's time to look back on what I have done and set my health goals for the year ahead. Let's see how I measured up in 2015. Last Year's Goals Exercise 300 times in the year - Fail, still kept pretty...

I’m Not Cheap, I’m Being Frugal There’s a Difference

I have to say this first off I absolutely love the personal finance blogging community! It's a great group of people being frugal minded (sometimes) and sharing their great (and not so great) experiences with money as they go through life. I'm the new kid on the block...

Easy Ways to Save Money on Every Purchase

Everybody loves a good deal. The question is "Are there Easy Ways to Save Money on Every Purchase?" There are some easy ways to save money, personally I have a few strategies I use when I want to buy something.  While it can be easy to get caught up in the emotions of...

Net Worth Update: November 2015

Net Worth Update for November 2015 (As I mentioned in last months inaugural net worth update. When it comes to monthly reports I'm going a different route than a lot of others. Instead of going through the nitty-gritty of every detail on my net worth statement. I'm...

What is a Millionaire? The Surprising Definition of a Millionaire

What is a Millionaire? The New Levels of Being a Millionaire Ask anyone if they wished they were a millionaire and you will get a resounding:  "Yes!" On the other hand, ask those same people: "What is it that actually makes someone a millionaire?" and your answers are...

What does My Net Worth Mean: The Stages of Net Worth

What Does My Net Worth Mean? When you make it through your net worth statement the first time, a question naturally will occur. "What does my Net Worth mean?" So here are a few guidelines on where your net worth may land and some guideposts along the way. What Does my...

Net Worth: How to Calculate Your Net Worth Statement

“So what’s your net worth?” It's a question that, unless you are a banker, will garner a blank stare from most people. Everyone knows their income, but net worth is a different beast. The question I often get is "How to Calculate Your Net Worth Statement?" As far as...

How to Start Asking for a Better Price

I love a good deal. I'm from Winnipeg, a place where you don't brag about what you bought. You brag about the deal you made.   The actual product you get is a distant second to deal that you got from asking for a better price.   Some people love the thrill of the...

Net Worth Update October 2015

Net Worth Update for October 2015 When it comes to monthly reports I'm going a different route than a lot of others. Instead of going through the nitty-gritty of every detail on my net worth statement. I'm taking a macro view so we don't get bogged down by the...

My First Money Lesson

  There are a lot of first in our lives. The one that I am always curious about is the first lesson someone has about money. I call it...   My First Money Lesson   I believe that this can be a truly defining moment for a person. It definitely was for...

How We Saved 40% on Our Satellite Radio

How We Saved 40% on Our Satellite Radio   This past year we finally broke down and bought a new car. We spent a year looking at the one we wanted. Weigh all the pros and cons and ended up buying a brand new 2015 Toyota Highlander.   It's not frugal but it...