The Money Jar Budget - Get Debt-Free

Banks have it pretty good, don’t they? They get to hold our money AND charge us for it.  The average person doesn’t make interest on their bank account…they just pay fees.  If you’re aware of your fee structure, you could be saving a lot of money every month.
Here are some tips for you to:
Save Money [...]

Yes, you can live without credit cards. Getting rid of your high interest financial crutches will set you free! Sounds simple, doesn’t it? It’s not simple but it’s very worthwhile. Can you envision your life without debt? Many people can’t imagine what that’s like so don’t even try. Try it for a minute. Think about [...]

The financial pressure is on at this time of year! Don’t blow your budget at Christmas if you can help it! The spending season is fast approaching and a lot of people make a big mistake at this time of year.  They put Christmas on credit! Big mistake!
Sure, it’s the season of good tidings and [...]

What’s a reverse mortgage?  It allows you to borrow equity out of your home when you are mortgage free and own your home outright.  Generally, this is something elderly people do in order to supplement their income and then when they pass away or decide to sell the house, the lender gets their money first. [...]

Are the bankers bad guys? With the looming (or current) money crisis (depending on what’s going on with you and your job and your personal finances) it’s concerning.

Should you trust your bank?
Should you hide your funds under your mattress?

What should you do to protect yourself should the economy sink into a bad depression.
There are a [...]

If you want to get free coupons in Canada, check out save.ca.  This website not only gives you loads of coupon offers but instead of having to print the coupons out, in 2-3 business days (postman dependant) you’ll get the coupons delivered in the mail.
There are some great offers on this site includine free product [...]

We lead by example with our kids and if you’re living hand to mouth you are increasing the chances your kids will too.  Teaching your kids about budgeting is a great strategy to not only give them valuable life skills but to keep yourself on track as well.
If our kids see us spending every spare [...]

If you’re up to your eyeballs in debt, you might be tired of answering your phone.  Here are some tips to help you reduce the stress and make it easier to answer your phone again.
Learn Who’s Calling
If you’re not answering the phone or returning that call that leaves messages with a reference number about an [...]

Using the envelope system (or money jar budgeting system) for your budget is a wise idea.  Using the same system for money saving coupons is also a great idea! Take a few envelopes or a small purse-sized accordion file (I bought mine at the dollar store) and organize your coupons.
Before you go grocery shopping, consider [...]

If you’re tired of being tempted by telemarketer phone calls, maybe you should get on the Do Not Call List.  Yes, you need to learn to “just say no!” but fewer calls can definitely help! As of September 30, 2008 Canada finally has a “do not call list“. It could take a month for telemarketers [...]