How to Save for Retirement: Pay Yourself First


One of my favourite personal finance books is The Wealthy Barber written by David Chilton.  Chilton weaves his financial advice around a story of a barber named Ray who is independently wealthy.  While detailing Ray’s story Chilton incorporates advice that Ray dispenses to his clients.  Of the plethora of valuable advice in the book the first tenant to developing a personal financial plan and how to save for retirement is to pay yourself first. The premise of this strategy is that you automate a 10% deduction of your take home earnings.  This 10% is put into an account that is…

6 Ways To Make Your Business Energy Efficient And Eco-friendly


Being energy efficient is vital especially under the current economic climate we are presently facing. Saving money on your business energy consumption can not only provide huge financial benefits for your company it can also help the environment. Irrespective of the size or locality of your company, we can all play a huge role in making sure we live in a better, cleaner world while also streamlining our business by considering these 6 easy steps at work… 1. Turn the lights off If you are not using a meeting area or work space, please remember to switch off the lights…

Green Tip #238: Bulk Shipping


As you know we do some internet shopping, especially these days for baby gear. There is always an option to have items shipped to you as they become available or ship them one at a time. Now although it does not technically cost you any more for your order to have items shipped separately, you will pay for this in gas and energy as you go and pick up every single order item. So I would recommend, if you can wait on all items, wait and use bulk shipping. Plus its more exiting to open one huge box! Which do…

Green Tip #237: Adjustable Clothing


Every day people gain weight or take some off, whether they are pregnant or on a new diet or recovering from some ailment. Being comfortable is always my number one priority in clothing. Not spending a ton of money is another. So I like buying items that can adjust with my shape...which right now is very round at the middle! :) Wrap skirts are great for this. Jackets with varying buttons at the front are another. Pants with drawstring are great too.  All in all adjustable clothing is versatile and convenient. Check out our 365 Green Tips Series!

Green Tip #236: Internet Shopping


We like to support local businesses. However when it comes to baby gear, non box store businesses don't carry much inventory and what they do stock is rather pricey. So we support them in other ways, like taking a parenting class hosted in their upstairs room. As for the larger ticket items, we have turned to internet shopping. The items are usually less expensive to begin with online and then you can also tap into special deals and promotions that you find while internet shopping. Check out our 365 Green Tips Series!

We Bought Less House Than We Could Afford


My husband and I bought our home in April of 2007.  We had been looking for several months before we found a great house at a great price that February.  It was a foreclosure though, so the entire process took a couple of more months after our first offer.  In the end, we accomplished our goal of buying way less house than we could afford. Why We Wanted Less Than We Could Afford As some of you may know about me, I don’t like debt.  It makes me itchy.  So my biggest reason for wanting an inexpensive home was so…