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Don’t need money for a good time

February 15, 2013 by renee Leave a Comment
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An outdoor concert in Kincardine as part of their Summer Music Festival

Many years ago I was an editor at Toronto.com. It was a listings site where people could list their events for free.

There were some costs associated with some events but a number of those events were free to everyone. I was amazed by how many free or pay-what-you-can events were available if I was just willing to look for them and then go.

When you move to a new neighbourhood, you might feel that you can’t afford to go out. After all, you just bought a new home or may have done some renovations. You can still have a great social life and discover someone or something new by just doing a little digging. [Read more...]

Filed Under: blog, Finance, House and Home Tagged With: free stuff, Harmony Village, house and home

Leaving the credit card home

December 30, 2012 by renee Leave a Comment
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Mine is to be debt-free, apart from my mortgage, for 2013. I have a tiny bit of consumer debt so next month should see it wiped out (Yay!). The trick is to not build it back up.

So that means leaving the credit card home. My life isn’t built around needing a credit card on a daily basis. I’ve done this before and it has helped immensely with paying off my debt. I write of what I do. Some people find it odd that I don’t walk with a credit card but I find I don’t have a need for one.

Now the mortgage. I’ve put some extra cash on it this year and have taken a few years off. I’m hoping to do the same next year.

Filed Under: blog, Finance

Holiday tipping? How much to give?

December 9, 2012 by renee Leave a Comment
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So how much should you tip your dog groomer?

I wrote this article on holiday tipping a year ago for AOL. They’ve revived it so I thought I’d put it here as well. I suggest you take a look at the original story because there is a very good gallery that explains how much to give. I won’t replicate the gallery here but here is the article.  [Read more...]

Filed Under: blog, Finance, Walletpop.ca Tagged With: holiday tipping, holiday tipping etiquette, how much to tip, tipping in canada

Let’s talk holiday shopping

December 6, 2012 by renee Leave a Comment
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Here’s something I drafted but didn’t use. I thought I’d put it here:

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Have you started your holiday shopping yet? If you’re like most of us, you’re probably planning do it in the next couple weeks but how are you planning on paying for it?

Here’s what happens – you go into a mall, walk around, peer at things and buy something that might work for our family and friends.  The next thing you know, you’ve overspent your budget and become one of the 12 per cent of Canadians who go into debt for holiday gifts!  [Read more...]

Filed Under: blog, Finance Tagged With: holiday shopping, money

How much money? Ouch!

November 28, 2012 by renee 2 Comments
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Tomorrow, four times the usual payment is coming out of my account and going on my mortgage. I try to save up so I can do lump sums as well as pay a little extra every fortnight. The thing is, after I called my bank and asked them to take out that money, I hung up and felt a little sick. That’s a lot of money. [Read more...]

Filed Under: blog, Finance, House and Home Tagged With: lump sum, mortgage, paying down mortgage

How to have the no-gifts talk

November 16, 2012 by renee 2 Comments
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Christmas shopping can be expensive and let’s be honest, most of us don’t stay on budget. I try my hardest but I slip, trust me. So what do you do if you don’t want to give gifts for whatever reason that works for you?

I wrote this last year for AOL and considering shopping has ramped up, thought it would be perfect to revisit. [Read more...]

Filed Under: blog, Finance, House and Home Tagged With: budget, no gifts for christmas, shopping

Ebates comes to Canada

September 4, 2012 by renee Leave a Comment
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The Canadian retail space isn’t very competitive. We can’t stack coupons, the sales aren’t as deep as the United States, there isn’t the variety and the only money-back option is to fill out a rebate form, mail it and hope to get a cheque within the next eight weeks, if you’re lucky.

Ebates Canada hopes to change all of that by addressing most, if not, all of these roadblocks to shopping online and adding a few incentives such as coupons and cash back – no rebates. [Read more...]

Filed Under: blog, Business writing, Finance, Work Tagged With: ebates, ebates canada, fashion, shopping

Women and Money

May 15, 2012 by renee Leave a Comment
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I’ve been thinking about a headline in the Globe and Mail which asks the question, Can a woman over 40 marry for money?

Gender and ageist politics aside, the question should be, “Why are we still asking that question?” Every day I see articles about saving money, paying down debt and budgeting but on the other hand, we have websites that match young women with sugar daddies.

Dealing with the everyday minuatie of money is not glamorous, I get that. There are days when I wish I won the lottery so I don’t have to think about bills and my mortgage. I should have been more financially responsible when I was in my 20s but I’ve learned.

Some people don’t want to bother to work out a budget. Hell, I’ve been guilty of splurging on stuff I don’t need on occasion but bottom line is, shouldn’t we all be able to not have to wonder if marriage is the only way to have a comfortable retirement? Also, I wouldn’t want to be beholden to someone because they have the cash and I don’t. Wrong power dynamics there.

On that note, need to put some money in my RRSPs and put a little extra on my mortgage.

 

Filed Under: blog, Finance Tagged With: Globe and Mail

Money and Taxes

April 4, 2012 by renee Leave a Comment
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Part of the HST I will have to pay soon.

I like saving money. I like spending it too. Two days ago my accountant called to discuss my taxes. [Read more...]

Filed Under: blog, Budgeting, Finance, House and Home, personal Tagged With: 397 ways to save money, CPP, HST, OAS, saving money, taxes, women and money

Where I Confess to Shopping But It was Planned

January 19, 2012 by renee Leave a Comment
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See that picture? That picture is of my feet on the Toronto Transit Commission’s subway at 1:00 a.m. I had just finished saying goodnight to my friend Gail McInnes. We met up for coffee then went to an event.

That’s not important. What’s important is what those self-satisfied feet represent. I spent money that day. I bought clothing, drinks and a meal.

Contradictory, you say? Well, yes and no. I said I was cutting back on spending but in a realistic manner. That means budgeting and sticking to it. I made a budget at the beginning of the month and knowing myself, knew it would be difficult to give up shopping entirely. Once I figured out how much I was going to save, my household budget and bill payments, then I calculated how much I could spend shopping.

It’s not a lot. With my goals for this year, I didn’t give myself a lot of leeway for shopping or entertainment but I knew I had to put something in there or I will end up writing whiny posts like this one. Just like fitness experts advise that you have one cheat day a week where you can splurge on junk food, I built in one day where I can shop but only up to a limit – and it’s a very low limit. It’s like a little release valve, you open it to release a bit of pressure so you don’t suffer from a catastrophic implosion.

It’s all about being realistic and knowing yourself. If you can go cold turkey, I fully respect you. Personally, I need to slowly cut back because going cold turkey guarantees disaster. Next month’s budget will have a smaller shopping budget and I plan on getting rid of a few items in my closet. I’m thinking of going the consignment route.

I got a top if you were wondering. It was on sale.

Filed Under: blog, Finance, House and Home Tagged With: 397 ways to save money, budgeting, planning, shopping
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