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How We Cut Our Home Phone Down to $4 a Month

How We Cut Our Home Phone Down to $4 a Month

  How We Cut Our Home Phone Down to $4 a Month - Ooma Review 2018 How We Lowered Our Home Phone Costs to $4 a Month (This is a review for Ooma a home and smartphone service, I have been with them for 2  3 years and I love their phone system. It's nice to have a...

The Grid: My Financial Freedom Tracker

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 the months down into...

How I’m Approaching Passive Income and Financial Freedom

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 call it...

How to Save for Disney on $20 a Day

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...

How to Get Better With Money: 5 Obstacles You Must Overcome

How to Get Better With Money: 5 Obstacles You Must Overcome

Getting better with money can feel like this maze that is something out of a Stephen King novel, but when you break it down there are only a few reasons why we slip up when it comes to money. Once you know these you can get better with your finances and start yourself...

The 1 Question to Keep Asking Yourself With Financial Freedom

The 1 Question to Keep Asking Yourself With Financial Freedom

What's Your Idea of Financial Freedom? I've been giving a lot of thought to what financial freedom really means. Whenever I think of freedom, it conjures up this idea of sitting on a beach. Watching the waves come in and relaxing, sitting around with my toes in the...

Entering the Unknown – Taking on New Challenges

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...

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

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 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 that you couldn't possibly close your eyes for more than 2...

Success Takes Time

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

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...

What’s Your Money Personality?

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 wave length" as my mom used to say. It's usually because you have the same money personality. Alternatively,  you try to have the same...

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

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 are...

How To Use Credit Cards Wisely

How To Use Credit Cards Wisely

Credit cards. Are they good? Are they bad? In all honesty, I think they do more harm than good for a large chunk of the population. That said, I do see the benefits of having a credit card (we have several) provided you follow some basic rules. A big reason for this...

How to Pick Better Goals

How to Pick Better Goals

This 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 fallen...

How To Create a 5 Year Plan for Your Finances

How To Create a 5 Year Plan for Your Finances

Just over 5 years ago, my wife and I decide to double down and become debt free. This wasn't a quick decision. We knew that doing this would mean sacrifice, and hard work. To keep ourselves on track we knew we needed to come up with a 5 year plan. At that point we sat...

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

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....

I’m Not Cheap, I’m Frugal Living… 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...

What Does My Net Worth Mean?

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. Quick recap: Net worth means the value of...

How to Get 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 sale....

7 Proven Ways To Make Money Right Now

7 Proven Ways To Make Money Right Now

We can all use some extra money. Luckily we live in an age where you can make money anytime you like. It's truly amazing. Here are some easy ways for you to start making money whenever you want. After all if you make an extra $30 a day would mean nearly a $1000 more...