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 »

Family Financial Planning Tips

financial planning

You may not know it, but every year you’re losing thousands of dollars. An excellent way to put this money back in your pocket is by making smart choices in selecting financial products and services. I’ll sheepishly admit I’ve flushed thousands down the drain making poor and uninformed decisions in this regard over the years. So please learn from my ... Read More »

How to Live a Debt Free Life (Part Two)

debt part 2

  Photo courtesy of In an earlier post I talked about why we get into debt and the shockingly debt driven society we live in today (see earlier post). Today, I want to discuss how to avoid the debt trap as well as what to do if you’re already in over your head. Avoiding the Trap: Educate Yourself Fo’ ... Read More »

How to Live a Debt Free Life


You’ve see it all over the news, “…consumer debt is at an all-time high.” This must be bad, especially if it’s on the news. You start to wonder about the $2,000 pair of skis (even though you don’t ski) you bought last winter on your credit card and still haven’t paid off. Was it such a great idea?… “But they ... Read More »

Questrade Review – Online Investing Made Easy

questrade logo

PRODUCT: Questrade® PRICE: Free to sign up, Free ETF trading, all other $4.95-$30 per trade WEBSITE: MY RATING: 9.0 out of 10 Questrade, Product Overview Questrade is a Canadian online brokerage firm that allows any individual to quickly sign up and manage their own investment portfolio or have their portfolio managed using online wealth management services. Since starting in ... Read More »

July 2015 Net Worth Update

july 2015 net worth update

In July I saw a 2.7% increase in my net worth for the month. Contributions to my tax-free investment accounts continue to be the driving force behind my net worth growth. The markets recovered a bit in July 2015 after a stinker of a month in June 2015. I’ve mentioned it multiple times, but it deserves to be said again, ... Read More »

How to Make Money With a Blog


Have you ever fantasized about running your own blog? Have you ever wondered how to make money with a blog? Since starting The Wealth Brick Road blog almost a year ago I’ve gained insight into the world of blogging and felt I had enough content to share at this point. BUILDING TRAFFIC There are countless ways to earn money with ... Read More »

Top 5 ETF Funds

Top 5 ETF

ETFs (exchange traded funds) are a strong alternative to actively managed portfolios and have been gaining a lot of momentum over the past ten years. The pros of ETFs are there low costs/fees and the broad diversification one can achieve by holding one fund. In an earlier post we talked about how a passive/dormant approach to investing often wins out ... Read More »

Smart Passive Investing – the Winning Choice for the Retirement Saver

passive investing

The active vs. passive investment debate has gained considerable traction over the last five years or so. A big reason being the emergence of exchange traded funds (ETFs), a smart passive investment approach, as an alternative to mutual funds. A closer scrutiny on fees and their impact on net returns (i.e. end cash in an investor’s pocket) have also helped ... Read More »