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Wow those are some hefty price tags on the bathroom and kitchen. I guess you would be working with a large scale bathroom and kitchen and top of the line materials. Thanks for sharing this post. Get well soon mate. Mr.CBB
4 weeks, 1 day ago on Five Renovations that Add Value to Your Home
I think keeping up with the spend less than we earn is always going to be our goal although there were a couple of months that didn't happen in 2013, mainly December. Best of luck this year.
1 month, 4 weeks ago on My Top 3 Financial Resolutions
Thanks for an amazing contest! It's great to see so many bloggers involved. Good luck everyone. CBB
4 months, 1 week ago on $1,200 Fall Cash Giveaway
Great post and you really do touch on many of the pros of working from home. i agree that it' great that people who work from home don't need to dress up for work and commute will save big bucks. I\m not a big fan of the open office environment either. I could never get any work done so thankfully I don't have to work in such a place. I suppose that environment for some is great and others torture.
4 months, 2 weeks ago on 5 Benefits of Working from Home
Great post Joe
If I look back there are certainly some areas I would change when it came to finances one being I would have kept my flat and rented it out. I lost lots of money selling it because today it would have been worth a small fortune to me lol.. compared to what I paid for it. Otherwise it's looking forward from this point forward.. debt free and happy! Cheers mate
4 months, 4 weeks ago on How Do You Stack Up To People Your Age Financially?
Although the costs of his education are high once he is done his income will or should be more than enough to cover those loans over time as long as you don't have more debt on top of it. i don't know how much money doctors make where you live but over here they aren't hurting for cash that's for sure. If you are a dentist or a lawyer... you're golden. I'd be more worried if I had 300k in school debt and a degree with no hope in hell of getting a job. I think you are both 2 financially smart people and you will knock that debt on the head faster than you can think because you want it gone. Well done to him for going the extra mile.. the world is always in need of more doctors.
5 months, 1 week ago on My Plan for Tackling 300k of Student Loan Debt
Have a great weekend mate.
5 months, 1 week ago on The Weekly Quick Hits Roundup
I went back to school as soon as I moved to Canada for the second time in my life. I went to University in the UK but my degree wasn't as recognized over here and I would have had to go back again to update. I didn't want to so I went back for something different. It took me 5 years but I finished and we lived frugally then as we do today but we bought a house instead of renting. If you want to go back there are so many things to consider. I was fortunate to have no debt at the time and no kids to worry about either.
5 months, 2 weeks ago on Thinking about Going Back to School? 5 Things to Consider
I think money can relieve the stress of worry and that brings the happiness. When we spend money it's just that instant gratification which for some is a happiness as well. Glad to hear you are in a good place now financially.
6 months, 3 weeks ago on I’m Pretty Sure Money Can Buy You Happiness
I don't make any money from my small blog yet until I move to self-hosted and I work full-time in a career I trained many years for and I love. I don't think I realized how demanding blogging could be until about 6 months in back in 2012 when things started to sky rocket. I've had to schedule and balance my life so my wife does not sit my dinner and a bowl of water out on the back deck, continue to keep fit, and be around friends and family. If one thing dominates your entire being then there is a problem. I don't want that to happen to me. Thanks for the reminders and tips.
7 months, 3 weeks ago on Is it Possible to Focus on Both a Career and a Small Business?
Financial Independence for me is being able to say I am fully in charge of my life and I don't depend on anyone to hold the fort up for me in terms of lenders, banks, credit cards, lines of credit. We have enough money to take us through to the end and we can live our lives stress-free and comfortable. Essentially having choices. :)
8 months, 1 week ago on Happy Fourth of July! What Financial “Independence” Means to Me
Wow, I don't think I'd ever make it to a coupon database with all the coupons we have here. We don't use them like we used to though but organizing them in the binder with dividers serves our purpose well. Like you we saved thousands but have since cut back as we don't stockpile as much. We just go through the binder once a month and discard expired coupons. It's simple enough for us and we already know what we have because we put them in there. When we want to pick out coupons we use baseball card pages from the dollar store in the binder so all the coupons are neat and in it's place. We pull out what we want if we don't want to take the binder. How long does it take you each week to enter all your coupons? Thanks for sharing this, I'm sure many will enjoy the organization of it in the spreadsheet and will be thrilled to find this. Cheers
9 months, 1 week ago on How to Organize Coupons Using a Database in Excel [With Download]
I think you are right to some degree that youth don't care about personal finance as they don't see how it applies to their life. My parents did teach me how personal finance applied to my life but having me purchased what I wanted out of the money that I earned after school, weeknights and weekends when I was young. Not all parents are like my parents though. I learned that if I wanted my money to grow I couldn't spend it and if I wanted something I needed to pay cash for it because where else would I get enough money to pay for it in full without the cash. That was my mindset growing up and still is today. I agree with you that if one wants to learn about personal finance the resources are out there and free just for the looking. Cheers mate.
10 months, 3 weeks ago on Financial Literacy – Definition, Challenges, and Good News
There is so much I wish I had more time for and one thing is travelling. I miss the weeks upon weeks of vacation I had in the UK. We don't get that luxury here in Canada although I'm getting there and can't wait.
1 year ago on 5 Things I Wish I Had More Time For
I did a post once of a comparison about I, who brought lunch and coffee and my workmate who bought coffee and lunch every day. The numbers were pretty out there and enough for me to say, thank goodness that's not me. I treat myself once in a while but there's no way I'd be spending that kind of cash every day.
1 year ago on The Fast Food Lifestyle: How Eating Out Sunk My Budget
We spend time together, cook a meal together, bake something together and go shopping or for a drive to get a hot chocolate, write a poem, or make something unique for each other. My wife enjoys how there is no big surprises that are stressful to shop for, rather its like a date where we do things together. Each year it changes but we don't break the bank, we enjoy the simple life and by a simple I'm in love with you and a kiss is the best gift ever.
1 year, 1 month ago on $100 Giveaway – Valentine’s Day Gift Edition
I am not a big fan of the phone and I'm not a big fan of email either I prefer face to face although I know it's not always possible. Paper trails are great for the obvious reason although I find sometimes recipients misunderstand emails myself included hence why I would prefer the phone although it has more to do with the situation, who's involved that also drives my decision of use. Great email shared on FB to get fan feedback.
1 year, 1 month ago on Why Email is Better than Talking on the Phone
Should read: If someone tweets my stuff they get a giant big thanks in a blog post now .......
1 year, 1 month ago on Why Twitter Follower Count is Pointless
I have yet to see Twitter beat out my Facebook when it comes to views on my blog. Even when I was just building my network Facebook always wins. Some days Pinterest beats out Twitter so I can certainly see where the reach is. It's one thing to have numbers it's another to have numbers with followers that actually are engaged or want to be engaged. Having a dead fan base with numbers isn't worth the time that some put in to gain them. It takes continuous work to keep the fans interested, learning and sharing. If someone gets tweets my stuff they get a giant big thanks in a blog post now as I don't always have time like I used to thank each and every person. It's nice on FB where you can simply like a post and they know you were there and read it.
I don't buy music anymore but I always did fancy speciality rare box sets and vinyl. We always go to beaches and parks in the spring and summer as it's free or some you might pay for parking which is no big deal. I order books from the library and DVD's if I can as I won't pay to buy a book. Great list. Mr.CBB
1 year, 2 months ago on Save Money: 5 Sources of Free Entertainment