Epic Budget Failure: When Everything Goes Wrong

failedI try to be an open book about our budgeting process.  For example, I post our monthly zero-sum budget each month and do my best to share the ups and downs as the month goes on.

And most of the time, there is honestly nothing exciting to report.

Sure, we occasionally dip into our miscellaneous category for excess grocery spending here and there.  And yes, we are sometimes stuck eating boxed food and can goods for a few days towards the end of the month.  And everyone once in a while I forget to budget for some random expense and end up transferring an additional $50 over into my account to pay for it.  [Read more…]

Creating Christmas Memories without Breaking the Bank

The Christmas tree is up!

The Christmas tree is up!

As much as I love the holiday season, it has become even more special now that I have kids.  But even though we want to make the holidays special for our girls, we still want to meet all of our long-term financial goals too. Here are few things we do to create memories without breaking the bank. [Read more…]

All I Will for Christmas Is…

All I Will For Christmas...I have to admit a little secret. Seriously though…let’s keep this on the “DL”, m’kay? Don’t tell Holly. She’ll give me grief about it for, like, 8 million years.

Here goes…

I am slightly afraid of flying. [Read more…]

How to Profit from Rental Properties

With interest rates at some of the lowest levels we’ve ever seen, many investors have begun taking a closer look at real estate as an investment.  And it’s hard to blame them.  With housing prices hitting rock bottom over the past few years and reasonable mortgage terms available, it’s becoming a better idea all the time. [Read more…]

Frugal Travel: Where Would You Go for Five Days?

The view from the Westin Harbour Castle in Toronto...

The view from the Westin Harbour Castle in Toronto…

Do you ever think about where in the world you would travel if you had an unlimited amount of money and time?  I’ll tell you were I would go.

First of all, I’ve always wanted to go to the Maldives and I know the clock is ticking since it is basically sinking into the ocean.  And second, I would probably go to see the Great Pyramid of Giza because I think it’s crazy.  Other regions of the world I want to visit include nearly all of Europe that I haven’t seen, the Norwegian Fjords, basically all of Iceland, and several regions in South America.  Of course, parts of Asia would make the list as well.  I would love to go to Thailand, for example, and I have always wanted to see the Terracotta Warriors in China. <Fun Fact: I am slightly obsessed with the Terracotta warriors> [Read more…]

How The Internet Saved Me $780 In Five Minutes

My front wheel is now slightly shinier than the rest, but at least it matches!

My front wheel is now slightly shinier than the rest, but at least it matches!

Picture this.  I’m driving my awesome minivan to pick up my youngest daughter from daycare.  Big girl in the back.  The stereo bumpin’ some happy tunes.  My daughter’s cracking up and dancing in her booster seat and I’m thinking about what we should have for dinner.

Then, all of a sudden, it happens.

Thunk. Thunk. Thunk.  [Read more…]