The Joy of Living Within Your Means

When's the last time you had this much fun?

It’s been close to a year since I last posted on this blog. Without getting into too much detail; lots of life changes and a lack of motivation were at play. To be honest, I had accomplished a lot of what I had set out to in my two years of blogging, and I wasn’t going to force content. However, ... Read More »

Are you following these tips to build financial health in 2016?

mortgage or invest

Contributed By- Amy Nickson What financial steps should you take in 2016 to start out on the right foot? Take a glance at the previous year and assess any financial mistakes you’ve committed. Hindsight is 20-20, but learning from earlier errors is extremely important. Here are the 9 tips to improve your personal financial health in 2016.   Be intelligent ... Read More »

Embracing Investment Performance

fund performance

For all intents and purposes the success or failure of personal investments hinges on four factors: Savings rate Fees paid Return on investment Taxes paid Taxes become much less of a factor when investments are held in non-registered accounts such as RRSPs and TFSAs. In terms of importance, I would rank in order presented but have come across many persuasive ... Read More »

Pension Annuity Advice – Part II


My September post introduced the basics of life annuities (and simply “annuities” from here forward) and some of the more talked about upside and downside to ownership. You can read the post here. As a quick refresher, in its simplest form an annuity involves handing over a lump sum of cash to an insurance company in return for a recurring, ... Read More »

Moving Musings

Real estate

Next month I’ll be moving to a new home. It’s an exciting time for my family, but it comes with a lot of work, and of course, money. The new house is a bit of an upgrade from my existing home. On this blog I’ve always preached trying to keep a low cost of living overhead, so what gives? First ... Read More »

September 2015 Net Worth Update


Great to be back after a one month hiatus. There’s been lots going on at work and home, so writing on the blog took a back seat for a while. We’re officially 75% of the way through the year, which is an excellent time to take a look at where I stand on some of my 2015 goals. I haven’t ... Read More »

Pension Annuity Advice

annuity retiree

The aim of this post is to explain what exactly a pension annuity entails and lay out the upside and downside of ownership. In October’s post, I’ll provide an opinion on the viability of annuities and drill down on a few key characteristics. In its simplest form (and for purposes of this post), an annuity involves: Handing over a lump ... Read More »

August 2015 Net Worth Update  

wayne's world

What the hell is going on in the stock market these days? Within one week the S&P 500 index dropped over 11%, however a few days later it recovered to cut that loss in half. Below S&P chart for the month of August – note the ass whoopin’ at the end. It’s times like this I wish I didn’t check ... Read More »

How Little Could You Live Off?

make ourselves rich

Extreme frugality is a force to be reckoned with. Those welding it can quickly amass a small fortune in a short period of time and enjoy an early retirement. However, for many frugality is not a choice, it’s a necessity. Consider the minimum wage in Ontario, Canada is $11.00 per hour. Assuming someone earning minimum wage works 35 hours a ... Read More »

Job Salary Negotiation

Pay raise

The quickest way to increase your earning potential is to ask for a pay increase at your current job, or negotiating your salary at a new job you’re starting. Sounds like a pretty easy get rich fix, right? The truth is most people are completely terrified to ask for a raise and often take whatever is given to them by ... Read More »