Wednesday, 22 February 2012

Eating Out, Is quick and Easy but not Cheap

Most people are guilty of going out for dinner or grabbing a coffee 1 or 2 times a week. Some people have that special $5 Latte every single morning on their way to work that adds up to over $200 a month on coffee? Really, $200 on coffee every month? Get up 5 minutes earlier and make your own coffee! Pocket the $5 and put it into savings. That savings becomes $200 a month which then in turn leads to $2400 a year! That's a lot of money. You could go on a nice vacation for that, or you  could invest it wisely. Here are  few ideas on how to invest it "wisely":

1. Put it on your current mortgage to pay it down faster. That's like 1 or 2 extra payments a year and if you already do rapid payments it adds to paying off your principle mortgage faster. You'll own your home outright in no time!

2. Put it into an RRSP. Saving $200 a month for 30 years will amount to a lot of money when you are ready to retire. Keep in mind all that interest you build will be compounded and over time it amount to a great deal. If you start your RRSP at 18 you will be well over a $1,000,000 by the time you retire. Instant millionaire!

3. Put it towards a down payment on property. Whether it be a condo, townhouse or house you will be glad you invested in property. It is a slow way to invest but if you stick it out in the end you can end up with a huge return. Keep in mind you will want to hold on to your property for at least 7-10 years to make a big enough profit.

4. Put it into a TFSA (Tax free savings account) where you will make more interest. Save it for a rainy day, save it for travelling the world, or save it for something you could really use like a new car.

5. Buy GIC's, Savings Bonds, Mutual Funds or something along the same lines. These are all mostly guaranteed return back on them and the longer you put your money away for the more money you will end up with.

6. Put all of your extra money on Red at the casino and watch it either double or loose it all! Try your luck! Even better go take all of that extra money you were spending on Latte's and go buy lottery tickets and increase your odds!

Eating out in restaurants can get expensive. Even if it's only once a week it still adds up with a family of four. Finding coupons for restaurants that saves you anywhere from 20% to 50%. Most are buy one meal and get one free! Not a bad deal. You can actually buy coupon books that have all sorts of coupons in there good for one year. I always buy one every year from and then have hundreds of cities to choose from all over North America. Since I live in Victoria, I buy the Vancouver Island Entertainment book. I always keep it in my purse so that I have it handy for when we do actually end up eating out. Things come up like Birthdays, Anniversaries, Holidays etc where you end up going out to enjoy and celebrate. This is a great way to save!

To go out for dinner is expensive enough but add in the tax and the tip which is now mandatory in a lot of places, it's just outrageous. By the time you pay for your $10 burger and fries add 12% tax and 15% tip you are actually spending $12.70 almost a 3rd more. Times that by 4 people and it adds up.

Drinking while out at a restaurant is even more expensive paying anywhere from $5 to $10 a drink. Yikes! Having 1 or 2 is ok but planning on getting a buzz on while out is a bad idea. That can add up and you might as well all go back to someone's house and buy 1 bottle of booze and split the cost. It would end up being way cheaper. Either that or sticking to juice or water while eating out.

If you can't resist having a coffee while at work, you've already had your coffee you brought from home this morning and you find you need another one to get you through the day, bring a box of tea and coffee and keep it at work. Keep a mug for coffee at work and make your own coffee on your coffee or lunch break! It's easy, it's simple, and it's cheap. If your work doesn't supply you with a coffee maker, bring a small bodum or plug in kettle and keep it at work. People might start getting the same idea and then you can all pool or chip in for a nice coffee maker for the coffee room.

There are simple ways to save money. Why should the waitress who makes $8 per hour plus $200-$300 a night in tips make more money then you in one day? If you are educated, have a good paying job, and work a hard 8 hour day trying to bring home the bacon why is it that people who are uneducated, who only work 4 hour shifts, and have minimal paying jobs are making more money then you in one day. Don't let this happen. Keep your money, spend it wisely, save where you can! You work hard for your money so keep it.

I hope you enjoyed today's read.

Thanks for listening,


Sunday, 19 February 2012

How To Save Money Grocery Shopping

Every knowledgeable person knows that grocery shopping is a way of life. It's simply the easiest and cheapest form of feeding your family and in reality, a necessity of life. My theory is if you have to buy groceries, why not do it the cheapest way possible without compromising your integrity or your family's health.

Here are some really easy ways to save a lot of money when it comes to groceries. Most of them I live by.

1. COUPONS COUPONS COUPONS!!!!!! Coupons are great, coupons are put out by stores to get you to come into their store. Coupons are as good as money itself. If you shop at the same store all the time and they offer coupons, why not use them to get the same products that you would already normally buy for way less?

2. Flyers are put out by most grocery stores once a week. I get these flyers sent to me at home but most of them can be found online as well. I circle everything that I need/want and that is on sale and then I take the flyer into the store with me plus my shopping list and pre-plan what I buy. This saves money just for the fact that you're not going into the store and buying everything in site.

3. Shop with a list! When you look through your cupboards, fridge and freezer to see what you need to buy make sure you write everything you need down and only buy what is on your list. You will save yourself from buying frivolous things as well as junk food you probably don't need to consume.

4. Club Cards are a great way to get discounts, earn points and use those points to buy groceries. It is a store's way of saying thank you for choosing us instead of one of the many other grocery stores out there. Take advantage of these.

5. Shop one big shop once a week. Most people if they have a fridge and a freezer should be able to do this. This will save you on gas money as well as make you make a meal plan which in turn will help you save money. A meal plan is deciding ahead of time what you will have for dinner every night that week and going out and buying everything you will need to prepare the meals. The ingredients need for these meals will help you make up your shopping list.

6. Only buy produce, bread, dairy that you will eat before it expires. To throw out food that you don't eat because it has expired is a waste of money. Unless you freeze your extra fruit before it goes bad, or freeze that extra loaf of bread you bought it will just end up in the garbage.

7. Buy a deepfreeze so that you can stock up on things like, fruit, bread, meat etc when it's on sale and therefore save you from buying it at full price. These come in handy because you can really stock up when the stores have their big sales like customer appreciation days etc.

8. Know your prices! This is handy when you can decipher what is a good deal or not. When something is a great deal stock up! Stockpiling is good for things that you will always need such as toilet paper, paper towel, toiletries, vitamins, medicine, laundry soap and even all the food that you can freeze. So when toilet paper is on sale for $5 when it normally goes for $10, don't just buy 1 or 2 buy A LOT! You will need it eventually and it just means you won't have to spend your grocery budget on toilet paper for awhile.

9. Have a weekly and monthly budget. I shop with a weekly budget of about $100. That's $400 a month which is not bad for 2 1/2 people. I would never ever say we go without stuff that we want. I always get what we need/want and stay on our budget.

10. Always buy what's on sale. I never ever come home with the same brand of bread or anything for that matter. I always switch it up to whatever is on sale at the time. This will definitely save you money.  Most brands aren't much different from the next one so you shouldn't really notice a difference.

I hope I have enlightened you all and maybe helped you save some $$$$ along the way. This is just one more way to save you some money so you can start saving for your future!

Happy shopping,


Thursday, 16 February 2012

How to Save Money for your Wedding

Everyone knows that wedding's are expensive. You try and get a quote for anything and tell them it's for a wedding and I swear they jack up the price on the spot just because you said the word wedding! Now if you are frugal like me and want to save a few bucks when planning the big day I've listed a few ideas here. It doesn't have to cost you $20,000;$50,000; or even $100,000. You can plan a wedding on a budget and you can stick to that budget. It's very possible and you still will end up with a fabulous wedding day. Of course I ended up splurging on a few key items (after all it was my wedding day) but still managed to to it all under $10,000 for over 100 people. Not bad when you think about all that's involved!

Planning you wedding can be stressful so why not make sure you don't over extend yourself by following these tips:

1. Catering your wedding is going to be your biggest expense. Catering costs can be anywhere from $20 pp to $100 plus pp. You best, quickest, easiest and cheapest way would be to have a buffet style dinner. Sit down meals are often a lot more food and are quite a bit more expensive then a buffet.

2. Your venue price will depend on location. If you have your wedding in the fanciest hotel in town located on waterfront property of course it will be expensive. Most venue's will give you a price break if you order from their catering menu. Venue rooms usually start around $500 and can go up to $3000 plus. The venue is key to any wedding reception to set the tone and mood of your wedding but you don't have to spend a pile of money. Choose wisely and book way in advance so you aren't left with minimal choice. Most people tend to book their venue about a year in advance. I would recommend this or even earlier if you can.

3. Next would be choosing your ceremony site. Sometimes, you don't have to pay anything for your ceremony site as in my situation we got married on a local beach. I just had to get a permit to allow this which was free and it didn't cost anything to use the beach. Most government or provincial landmarks would be free or next to nothing to use as your ceremony site but make sure you check with your city first and get a permit if required. Sometimes if you advertise that you are looking for a nice ceremony site, you might be able to get someone with large property (maybe waterfront or gardens) to host for a minimal fee. Most hotels charge $1500-$2000 to have the ceremony at their place/venue. Do your research and remember it doesn't have to cost a lot.

4. Flowers can be purchased at a local supermarket instead of a florist which would make it considerably cheaper. You could even just buy the flowers and make up the arrangements yourself (if you have time that is) but most supermarkets don't charge too much to do this. Places like Safeway and Thrifty's are excellent places to order your wedding flowers on a budget. If you really want to save money you could always go out and purchase fake flowers and then resell them after the wedding! You'd be surprised on how real some fake flowers look =)

5. Wedding rentals can be expensive but sometimes can save you the hassel of buying your stuff and trying to resell it after the wedding. Some rental companies are very reasonable and some are quite expensive so again do your research before you choose a place to rent from. You can rent anything from a few things and do the rest yourself to everything. A lot of brides now a days have a DIY wedding (Do it yourself) and make up most of the decorations, centerpieces , etc themselves. You can find out how to do and make a lot of different stuff online and get supplies from your local craft store. This also gets you more involved in your own wedding instead of someone else planning and doing everything for you. Not for everyone but it could save you a lot of money.

6. Photography can be VERY expensive. Sometime packages can run for about $2500 for a day of shooting. This doesn't have to be the case for you though. If you have a friend that dabbles in photography on the side that could do it for you for a good price thats always a good way. Another way is also to try and find someone just starting out and that maybe just graduated from photography school who is looking to get known. They can usually do it for about half of the cost and the pictures usually look great! Make sure before you pick a photographer that you check out their work and look at their portfolio first before you make a decision. One thing I learned is that every photographer has a different style and some styles just don't suit what you want or need. I looked through I few portfolios before I found a style that I really liked.

7. Wedding cakes can be very elaborate and thus expensive. You don't have to go to a bakery to order one though. Most grocery stores with bakeries in them do wedding cakes for about half the cost. You can end up with a really nice cake with 1,2, or 3 tiers for a lot less. You can still decide and design what you want and have the grocery bakery give you a quote to see if that option is for you. In my case I have a sister that is a baker so our wedding cake was her wedding gift to us!

Cupcakes are another way to go when it comes to weddings. A lot of people are doing it now and it is an inexpensive way to have cake. All the guest will enjoy their very own little taste of heaven and you can rent a cupcake stand for really cheap. You could even make the cupcakes yourself, freeze them and decorate them the day before the wedding if you are feeling really creative and frugal. Cupcakes are the new fad and sometimes there will be a little cake on the top for the bride and groom to cut and save for their first anniversary.

8. Wedding music doesn't have to be expensive. It can be anything from you playing a simple Ipod connected to speakers to a full fledge live DJ. You could also get someone you know who has a little brother to come and DJ your wedding for a small fee to take care to picking the playlist and making sure the buttons are pushed when they should be. This is a cheaper way to go. If you want to go ahead with a DJ, some are better then others. Do your research on prices and music selection to make sure they are going to play appropriate music for your wedding. Sometimes, if you don't want to pay for a DJ but want professional equipment, you can rent the equipment from them and not pay for their time to be there. This would make it much cheaper.

9. Wedding bands can be expensive, but if you stick with simple ti won't cost as much. Also if you go to some of the bridal fairs in your area before you get married, usually the jewellery boutiques offer discounts on their products (sometimes up to 20% off), which is a really great deal. You can also try shopping online for the best prices but then you can't see exactly what you are getting so buyer beware. if it's from a well know site though you are probably pretty safe.

10. Your wedding dress! Probably one of the most important things about your special day. Everything revolves around the dress and you want to make sure you look and feel like a million bucks because everyone will be looking at you. Most bridal stores have discount racks you can check out. This is where I found my dress, I bought it as is and didn't have to wait for it to be ordered. You could always try to find someone online looking to sell their used dress (usually only worn once). This is a great way to find a dress as some people spend $1000-$5000 on a dress on average and if they've only worn it once it still looks new. Usually you can get used dresses for $500-$1000 sometimes cheaper, which is only a fraction of the original price. My sister did this for her wedding and the girl she bought her dress from had bought two dresses and never even wore the dress she bought from her. So she got a dress less then half the cost that had never been worn before. She got a great steal!

Well I hope this post gives you some insight on how to keep your budget low when it comes to your wedding. My wedding was one of the best days of my life and I never really had to worry too much about cost. I did my research and got a ton of quotes and compares prices. In a competitive industry prices can vary so always get a few different quotes from merchants and rental companies. Write down how much to expect to spend on everything and an overall budget for yourself (the max you would want to spend). Figure out what the three top priorities are for you wedding (what matters the most because every bride is different). Set your budget a bit higher for your top three picks and then distribute the rest of the budget for the other items. The start shopping and looking around for prices!

Happy Planning!


Tuesday, 14 February 2012

10 Things you can do to save money with your car

Cars, trucks, vans, campers you name it it gets expensive. Being a car owner can be great as it gets you from A-B, from work to home, home to school etc, however it also get very expensive. I've listed a few different ways to help with some of the costs included with having a vehicle.

1. Always do regular maintenance including regular oil changes, keeping the tires inflated, changing the air filter on time, rotating the tires etc. This will help keep your vehicle healthy and last longer and it won't have to work as hard a.k.a use more gas.

2. Fill up when gas is cheap. Even if you don't normally put gas in your vehicle when it's more then 1/4 tank if you fill it up when it's cheap it'll save you money. You are always going to need gas, you might as well get it when it's cheaper instead of waiting for it to go up in price.

3. Wash your own car. It's more time consuming, more effort but cheaper =)

4. Stay the recommended speed limit. I know some people don't think this saves gas but I think they are wrong and I think that it will save you gas and money in the end. As well as keep your car healthy and alive longer. Less ware and tear.

5. If you can do your own maintenance or get someone you know to do it for cheap. Labor is expensive, most places charge an average of $60 hr or more and can add up quite quickly.

6. Never carry more weight in your vehicle then you need to. Extra weight weighs the vehicle down more so it has to work extra hard to go thus  burning more gas and wasting more money.

7. Stay safe! Being accident free gives you more opportunity for more discounts when it comes to your insurance and saves you money every year! Also depending on where you live, shop around for insurance to see who gives you the best deal.

8. Check your tire pressure regularly! If you tire pressure is too low it take more energy to drive and the vehicle uses more gas thus being more expensive to run. Keep a tire pressure gage in your glove compartment so you always have one handy and can check them regularly. It's amazing how long a little air can go!

9. Try and keep from idling too often or too much as this uses fuel as well. Most places are no idling zones such as schools and government buildings and it's just overall healthy for the environment if you don't idle.

10. Try not to ride your breaks so often. The more you break the more you will have to replace your brakes costing you money. Keep a good and safe distance from the person ahead of you and you shouldn't have to break as much. People who tailgate, tend to use their breaks more often and have to replace them more frequently.

Again, I hope you got something out of this blog post and hopefully it will save you money in the long run.

Drive Safe!


10 Things you can do to save money at home

Everyone wants to save money now a day and people tend to always be looking for new ways to do this. Being a new home owner myself and always looking to keep my bills lower to save money I have come across a few ways myself and maybe they will be useful to you as well. Our first month when we first moved into our house, we ended up with a pro-rated hydro bill for $550 for one month! Yikes. For me this was way too much to pay. I certainly couldn't afford to pay this every month so we needed to cut costs and fast. Here are a few way we found to cut costs around the house and go green at the same time.

1. Don't have your heat on all the time. It's ok to not freeze while you are at home but when you are at work or even at night when you are sleeping and tucked into your comfy warm beds turn off or turn down your heat! It will save you a pile of money.

2. When doing dishes in the dishwasher or laundry in the washer make sure you don;t put them on until you have full loads. This will save you water and energy which will in turn save you $$$$$$. If you live by yourself and you never fill your dishwasher, do them by hand if it's only a few dishes! Might be more of a pain but it will save you money.

3. Unplug appliances when they are not in use. I don't mean you have to go around your whole house and unplug EVERYTHING when your not home no not at all. Un plug things that you might not use everyday like your toaster, cell phone charger (this takes up a lot of juice), computer and printer if you don't use it all the time, extra things like fans coffee makers, blenders etc. If you watch t.v everyday you can leave it plugged in =) Keep in mind that most appliances draw energy just by being plugged in, they don't even have to be turned on for them to use electricity.

4. Get a compost and compost all organic matter. (This will be hard to do if you live in an apartment or condo). We just got our compost (I ordered it off Airmiles and got it for free) and because we have to pay for garbage pick up in our municipality it sure saves us on how much garbage we produce! On top of that, it's an added bonus that I can use this organic compost matter come spring/summer for my gardens! What fun. Fun for your pocket book and fun for the planet. Make sure to look up on line what you can and can't put in your compost.

5. Get a rain barrel! For those of you who pay for city water, watering your gardens and things outside can get expensive. Not only does this lessen your imprint on the planet but it is more cost effective and puts money back in your pocket. Make sure the rain barrel is food grade safe if you are watering your vegetable gardens or herb gardens and make sure you don't connect it to your rain spout if you have tar or asphalt shingles. The chemicals used to produce these products can leach into the water which can then in turn leach into your vegetables if you use the water to water your vegetable gardens. Rain barrels can also come in handy if you live in a place that has a lot of rain in the winter and has dry spells in the summer. Especially if there are water restrictions in your area.

6. Take a chance and don't go grocery shopping for a week. Most of us throw away so much food because most of it doesn't get used up or eaten and then it goes bad. I did this and it worked great. Saved me from going grocery shopping one week. I just got creative and used up all the food that was in my fridge and cupboards and still managed to make awesome meals! That way you can re--stock afterwards and see what you really have in your cupboards and freezer that's been hiding for all this time. Time to get rid of the old and buy some new food! You could probably get away with doing this one every 3-4 months but it can save you $100-$200 every time you do it. We spend about $150 on groceries every week in our household for 3 people. In a year you could save $300-$800.

7. Recycle all of your old cans and bottles and return them for a deposit. A lot of people don't bother, some people donate them (good for you) and some people just let them pile up and pile up and don't do anything with them. I collect my bottles after every week and take them for a return usually around $5 sometimes more. I then put this money in a jar and let it accumulate over the year. That's a return of about $260 a year! You could save that or invest that money at the end of the year. Every little bit adds up.

8. Sell stuff/junk you have lying around the house on e-bay or on any other similar website. This is a great way to de-clutter your life as well as make a few extra bucks you can put away at the same time. Go look at your garage or storage and see what you really truly don't need anymore. You would be surprised as to what you will find that could very well be someone else's treasure!

9. Plant your own vegetable and herb gardens. Good for the planet, good for your family as well as good for your pocket book. Organic vegetables can be expensive. Trust me I try to always buy organic just because I don't like the idea of pesticides being on my food and can it ever be costly. To have your very own little vegetable garden you would save on groceries in the spring/summer/and ever fall months because you would be buying less vegetables in the grocery store. Get a greenhouse and have vegetables all year round! Even better. This method won't work for everyone as not everyone likes to garden but it's a great method to eat healthy, enjoy the outdoors and save money on groceries.

10. Go get a home energy assessment done. This is an audit done by a professional who comes into your home and takes an energy rating of your home. They then give you a report back as to what you can do to make your house more efficient. Sometimes there are grants from the government that you can apply for to get money back or tax credits to help cover costs so do your research! This can save you money in the long run because if your house is more efficient and is run more efficiently then your will notice a difference for the better on your bills such as hydro, water, etc. For example if you install low flush toilets this will save you water and money in the long run. Also if you install a fireplace insert instead of just having an open fire place you will then burn less wood, heat the house more and save money in the end.

These are just some ideas that have worked for me and my family to save us money and I hope that it can and will help some of you as well. I hate to see money wasted on things that don't need to be wasted on. Not only that but by doing most of these things I mentioned above, you are reducing your carbon footprint and helping save the planet one step at a time.

I hope you enjoyed!


How to get out of debt and be financially secure

Some people just don't know the value of a dollar. More importantly some people don't know how to save a dollar. A hard earned dollar and we can't even save a few bucks for the most part. What is really sad, but depending on where you live, the government usually takes most of your money for medical, education and overall improvements and by the time you get that hard earned dollar, you really had to make 10 hard earned dollars in the first place to even get it.

I don't know why more people don't think about this or understand this concept. When you go to purchase that really nice expensive dress or diamond ring you just had to have, think about how much it really costs you. Not in your hard earned money but in your time. Your time is your most precious gift. Time on this planet, time to love, time to enjoy and time to work. Why work so hard and so long to pay for something you may or may not get a few days of enjoyment out of only to sell it for half of it's worth a few years later.

When you go to buy that dress that cost $100 remember that after all the taxes are taken off of your paycheck in reality that dress could have cost you closer to $500. Not to mention the department store charges you tax on top of that $100.

For people really looking to be financially free you really need to stop and think, do I really need this item? Do I really need to spend my hard earned money and buy this only for it to give me enjoyment temporarily? My advice would be to live within your means, create a budget for yourself and your family and stick to it. In that budget you should be paying yourself into a savings account and start building up your equity. If you are still in debt, try making a budget with a debt repayment plan and only contribute a small amount into savings. Even if it's only $10 a week into savings at least it's a start. In reality that's only  2 Lattes that you could probably do without anyways.

I was never really the greatest with money. I guess I did have parents that did teach me how to save and put money into RRSP's and so I guess in a way I did have a leg up compared to a lot of people. Did I listen to a lot of their great advice though? No in the beginning and yes in the end. I had really bad credit card debt when I was 18-19 and decided I was going to travel without having any real savings. So I ended up putting all my expenses on Credit Card. Yikes! Bad idea.

So I was thousands of dollars in debt and I had a job that paid only $10 hour which I was barely able to pay my food and rent with. I ended up consolidating my debt into one payment a month which was the best thing I ever did! The bank was actually really great in working with me to achieve a debt re-payment plan. If you are so far into debt you don't know what to do the first thing you should do is talk to your financial institution for help. There is no shame in asking for help and they want you to be able to re-pay them back and not go bankrupt.

So there I was paying off my debt and I opened my first RRSP when I turned 19 (as per my parents instructions). It's wasn't much, I was only contributing $50 a month into it but that was how I was able to buy my first condo when I was only 25. I put transferred some of the money from my RRSP into a first time home owners plan and was able to do it. I am now 27 and own a house and still have my condo which I now rent out for income and to pay my mortgage down on my condo.

It's such a great way to get your foot in the door into the real estate market when you don't have a lot of money for a down payment. One way to work your way up to financial freedom is to own property and one day own it outright. There will be dips in  the market over time but overall the market will go up and is a surefire way to start making money. It's a slow process but worth it. So many people can't come up with that first down payment and so they end up renting their whole lives. Their money gets eaten up by an giant black hole called rent and 20 years later they have nothing to show for it.

I don't consider myself rich by any means, however I do feel like I am very close to being financially free. I own two properties, own my car outright and have no outstanding debt. I don't live pay check to pay check and I have built up my savings and continue to do so. I look at some of my friends and how they spend their money on anything and everything and have nothing to show for it and complain they never have any money. You need to have CONTROL. You need to STOP SPENDING, and you need to START SAVING!

If you don't know where to start, start by getting rid of all the clutter in your life and selling some of it on e-bay or another known sight. Put all of the money you get for all the random stuff you had into a savings account and watch it grow! Leave it, don't touch it and keep adding to it. Add $10 a week into it. That's all it takes. You will be so amazed as to how much it can grow. Especially if you put it into an RRSP or a tax free savings account where you can earn more interest. If you are really bold you could even go as far as putting it into bigger stocks and bonds and things. If this interests you talk to you local financial institution and see about investing in some of their stocks. (If you live in the States you might not want to do this).

Whatever you do do there is no easy way to make money and all the ways to "get rich quick" are scams. How do you think these people made their money in the first place? By selling stupid books and packages to people like you for a pile of money. All the while it doesn't help you any by reading the crap they sell but put you more into debt by purchasing it. Please please please don't fall for any of these scammers books. That is one way to stay in debt.

Overtime, as long as you stay on budget and spend less then what you make and SAVE that extra money you have left over; you will be well on your way to financial freedom. For all those bog time spenders out there, you have to put into perspective what you want more..... to get enjoyment out of spending money when you know you really don't have it but spend it anyways regardless of the consequences and feel guilty afterwards, or to be financially free where you are not in debt and where you are not living pay check to paycheck all of the time.

I hope this post helps some of you find financial security and I would love to hear from you if this post helps you along the way!

Thanks for listening,