It's the most Wonderful time of the Year! You all know I love all things Christmas! The weather, yes I've spent many Christmas in the southern hemisphere and yes, I loved it, but there's just something about snow, a white bearded old man in a red suit and hot chocolate with whipped cream and marshmallows... If I'm being honest, I've been nesting from right about after Thanksgiving. I've been getting into the Christmas Mood. My choice of music (all Christmas carols and songs … [Read more...]
Happy Thanksgiving from Me to You!
It's the week of Thanksgiving. Not all of us live in the United States of A so, not all of us celebrate the day in question. I do. Why? Because I take all opportunities I have to be grateful and to thank my God and/or the Universe for all I have. Now, it hasn't always been like this! I was not very grateful a few years ago but... I liked celebrating the day! I liked cooking the turkey and have friends over for dinner and it would be a blast! (if I do say so myself!!) But it didn't … [Read more...]
How to get out of your own way this Holiday Season!
I know Thanksgiving has not yet arrived but I can't resist! I'm a Christmas person. There, I said it! You have probably figured this out already and I wasn't even planning to write a post about my love for the Holiday Season but yesterday my son sent me a video of 4 years ago, where I'm singing, learning the lyrics to "Baby it's cold outside" by Idina Menzel and Michael Bubblé. That just got me on the memory lane track! I had already set up my "Winter" tree, because it's not a … [Read more...]
Mental Health and Money, what to do about it!
DISCLOSURE: I'm not a Mental Health Professional and everything I write is from my own experience and what I have dealt with. If I share it is because I believe it can help someone who is going through a similar situation. If you are dealing with Mental Health Issues please talk to a Health Professional. This year Mental Health has been on everyone's mind. No joke, this is a very serious and heartfelt issue for me. I believe it took a worldwide pandemic to get Mental Health the … [Read more...]
How to get organised for Black Friday Shopping!
Today, let's get into the nitty gritty of Black Friday Shopping! I love saving money and taking advantage of Black Friday Sales has become one of my favorite things! I know I spend most of my time telling you NOT to spend, but even I have to agree that Black Friday is great to get some awesome deals! Even though I don't live in the US, where Black Friday is a very big deal, it kind of has expanded all over the world and with global market everything is easier. This is not a … [Read more...]
Are you frugal?
Today, I want to talk about Frugality. I know it's a topic I keep coming back to but it really is that complex! According to the dictionary, someone frugal is economical in use or expenditure. As I was researching to write this, and to write a podcast episode (you can check it out here!), I cringed! I remember many years ago, ten, maybe even 1twelve years ago, I came across the term for the first time. I was all excited and decided I wanted to be frugal. I researched it for … [Read more...]
How Much is Christmas Really Worth?
The title is just to catch your attention! Although you know I love Christmas and for the Festive Fund Tracker Challenge I chose the name challenge, but instead of writing my name, I chose the word Christmas! Hence the question, how much is the word CHRISTMAS worth? Not actually Christmas, because we can't put a price on it! (me thinks!) If you are curious you get get the tracker and find out for yourself. I will tell you this, if I'm able to save the amount that Christmas … [Read more...]
Are you ready for the Challenge? Join Now!
I know I've been going on and on about the Challenge I'm organising starting August 30th but I just can't help myself! I'm so excited about it! If you've been hanging around here for sometime, you know what a struggle all this financial journey has been for me. One of the good things that came out of it was the creative ways I had to find to save, or simply not spend, money! It can be a pretty lonely journey if you are not surrounded by people who, either, are on the same path as … [Read more...]
How to start a spending fund for the Holidays, Christmas, Hanukkah, Black Friday or Cyber Monday!
This week, I'll be talking to you about starting your spending fund! What is a spending fund you may ask?? Well, it's a sinking fund! The only reason I'm calling it a spending fun is because it's more fun! If you are on a "spending plan" like me (aka a budget) you appreciate the little things and give fun names to all the categories you have going on with your "budget". Full disclosure, I think we should call things by their names and start the mental process of being good with … [Read more...]
Net Worth: The only way is up?
To finalise this week's series on Net Worth, we are going to look into it from another angle, meaning, once you have a positive net worth you don't go back right? Well, actually wrong, but let's see why. So, now that we established what Net worth is and how we calculate it, it's time to look at how we can keep it in the positive. We already established that Assets - Debts = Net Worth, we also saw that if we owe more than we own we have a Negative Net Worth, so your goal is to … [Read more...]