Ok so how much do you agree with the title of this post? Normally I'm very "There's no Wrong answer", but in this case there is. The title is totally true!! You don't have to be a math genius to do well with your money! We believe that debt, saving, spending, investing is a math problem! It's not! It's mainly a behaviour or beliefs problem that is keeping us stuck! be it in spending or in saving, because it's a problem when you are a spender and you spend too much, but it's just … [Read more...]
Archives for March 2021
Mindfulness and Intentionality
Today I'm starting with some big words!!! But if I haven't lost you yet it's a good sign, if you are only curious about what I'm going to write about it's also fine, I'll take it! And thank you for sticking with it... I've been struggling a little a lot, with the word budgeting (I wrote it small so I don't scare you either!!). I'm finding, through talking and publishing on social media about my like (aka, almost obsessive love) for them, that people have aversion to the word and … [Read more...]
Financial Success
What is Financial Success to you? Is it having so much money that you don't have to have a budget and can just spend whatever you want on whatever you want? Is it living comfortably, spending and saving some money each month and be able to go on vacation twice a year? Is it being mindful of your money, no matter how much or little you have, have a plan and sticking to it, be able to give some, spend some and save some? Is is having enough, paying your bills and debts … [Read more...]
How much should we spend on cost of living?
Last week I shared with you our family budget. It's probably very different from yours and it serves as an example of how to do a budget. We actually struggled to get it to where it is, and truth be told, this month I'm going to be over the budget for groceries. Once again, yes, I know Easter comes once a year 40 days after mardi gras! But, I didn't think I'd need to buy anything extra because, we can't have friends or family over. It turns out there's no meat and we have to buy … [Read more...]
The 14 Day Money Hunt Challenge
My favourite challenge is here! I love getting money anyway I can and specially if I don't have to work hard for it. I believe we don't have to work so hard to earn our money and we must find ways to work smart. For me, the 14 Day Money Hunt is a way to get money and be smart about it. I do this at least once a year and for me it's a game and I love it. Yes, you might argue that I love a lot of things, like budgeting and money and spending, chat can I say! But getting back to … [Read more...]
Emergency Fund
Today, I'm going to tell you about the Emergency Fund! What is an Emergency Fund and Why do we need one? Both very good questions, so lets start with the first one, What is an Emergency Fund? An Emergency Fund is money that you saved and have, preferable in a bank account or somewhere where you can't see it so that you don't spend it, on anything but Emergencies. So why do I need one if I can't spend it? Another excellent question. Let me go on and I'll tell you all about … [Read more...]
Our Budget
This week I'm going to share our personal budget. We do have a budgeting app, everydollar, that I fill out every month with my husband on our budget date night! And if you are wondering, yes there is wine and some whine in that meeting!!! Sometimes there's even cheese. But I need to put pen to paper and actually write the numbers on a sheet of paper. I remember them better that way and it feels more real to me, just like I prefer to spend actual money instead of using a debit … [Read more...]
7 Budgeting Tips To Live By
I feel you already know a little bit about me and so, today, I decided to share some tips on budgeting that really helped me to keep to my budget over the years. It's not hard to write down your budget for the month once you get in the habit of doing it, the hard part is sticking to it and all the short cuts you find are really welcome. So don't feel that just because something worked for me you have to do it the same way, for you and where you are in your life, you might need to do … [Read more...]
5 Reasons to Start Budgeting
I get that not everyone is on board with getting on a budget. We can all find at least five reasons for not doing it, me included, but, the truth of the matter is that you will feel like a whole new person once you get on a budget. Remember, I live on a budget and yes, I was exactly where you are right now! I didn't want to hear about budgeting because I felt it would limit me in my day to day. Well, it does, but not in a negative way, bare with me here. You don't necessarily get … [Read more...]