Importance Of Keeping Track Of Your Spending – Regardless Your Income

Importance Of Keeping Track Of Your Spending – Regardless Your Income

Every New Year brings along New Year Resolutions. More often than not, one out of three resolutions relate to money management. According to Business Insider, about 80% of the resolutions fail by February. I have found in my own personal life, that there are multiple reasons why sticking to a budget quite often fails. I’ve said it before, budgeting is not fun. But it is an important key for a long-term financial independence. Correct me...

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2 Lessons Learned From A Financial Advisor

2 Lessons Learned From A Financial Advisor

Learning to handle our finances has been a life long process for me. I don’t think anyone likes budgeting or even worse, actually sticking to one. Over the course of my life, I have tried varies suggestions on how to make and stick to a budget, but without much success. Up until about seven years ago, when I met with a Personal Financial Advisor. When I met with Alan, our fiances were really tight. We had tons of medical bills and still...

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My Definition Of Wealth (Even When You’re Broke)

My Definition Of Wealth (Even When You’re Broke)

The sun was shining really pretty thru the panels of my greenhouse yesterday. And as I sat there, my mind started to race and strong feelings came over me. Feelings of deep gratitude and of wealth. This tiny greenhouse of mine is not bigger than 80 square feet and I picked it up used from some people in nearby city. Last Winter I grew some lettuce and green onions in it. As much as I had hoped for a Winter crop again this year, the only thing...

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9 Skills I learned While Living On A Tight Budget

9 Skills I learned While Living On A Tight Budget

Benjamin Disraeli spoke from experience when he said “There is no education like adversity”. I am not sure there is anyone who would consider living on a tight budget a blessing. I know while we were raising our young family with five children, it was tough. Frankly, I didn’t think there was anything awesome about it. But it’s funny how looking back at those days, I realize now those really were the years of education...

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Earning Extra Cash

Earning Extra Cash

Christmas has always been my favorite time of year. I love the music, the food and all the decorations. But when our children were young, Christmas was also a very stressful time. One of the big stress factors was money. I wanted to buy so much for our children and yet we never seemed to have enough cash. My husband and I did not have the habit of buying gifts on credit, so we become very creative. Some years I helped Robert  to make all the...

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Healthy and Frugal Grocery Shopping

Healthy and Frugal Grocery Shopping

Years of cooking and shopping these are few things I have learned…… NEVER shop when you are hungry! How many times have I heard that? I still do it. I seem to buy “junk food” much easier when I am hungry or grab quick solutions for meals (weird how the brain works). Make conscious decisions in the store how much and what treats to pick up. Decide how often you want to treat yourself in front of the TV to avoid daily munching after dinner...

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Potential reasons for an Emergency Savings

Potential reasons for an Emergency Savings

When my husband and I got married nearly three decades ago, we kind of had an idea of our finances, but we weren’t totally prepared for all the challenges that we would be faced with. We learned very fast that the only way we would survive was being very frugal and save for a “rainy day” (and to develop important skills). Sometimes it did not rain, it poured. A year into our marriage, while living in Sweden, we had an unexpected bad “wake up”...

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