It was one of those conversations that just come up when you have coffee with a friend and you’re both self-employed. Kerry mentioned to me that a blogger had said on Twitter that your 20s are the most expensive decade of your life. [Read more…]
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…]
I’ve decided it’s time to think small. Not with ideas, I mean, it’s time to downgrade the size of the Canadian dream. No more expectations of having the house with the car and the pension. It’s time to think condos (or renting), public transit and saving. [Read more…]
A little austerity chic is happening in my wardrobe right now. I have a weakness for dresses and did buy quite a few last year (didn’t blow my budget and paid cash, fyi) but this year I decided to cut back on my clothing budget and wear what I have in my closet. That includes remixing outfits and repairing anything damaged.
I am drawing the line at drawing on stockings though. [Read more…]
I can cook. I’m not a gourmet chef but I can cook even though I haven’t mastered bread yet. Thanks to my mother, grandmother and two years of cooking class in high school with Miss Sooden, I can pretty much do anything, even make a white sauce. [Read more…]
“Freelancing. You spend half your time working and the other half looking for work.” — My neighbour
I’ve always freelanced in some form or another. Sometimes I was paid and sometimes I did it for free (friends, favours, bylines). I’ve always had a job though. There was the protection of a steady paycheque to cushion me against the quirks of freelancing.
Then last August I lost my job. I got a decent severance and I had savings but those never last as long as one would like so I had to do something quickly. [Read more…]