As teenagers we have these thoughts and aspirations that we are going to go out into the world and conquer it! We want to become Superman or Super Girl. Sometime later we find out that we have our own Kryptonite in our lives. There are things in our lives...

The goal is to lower the cost of banking in Canada to as close to free as possible. Before I go too far, I must admit that everything has a cost. Sometimes the cost is in dollars, sometimes the cost is in less convenience or it requires effort on...

“Give me a lever long enough and a fulcrum on which to place it, and I shall move the world.” – Archimedes Debt is simply a tool. In and of itself, it is neither good nor bad. It is the way that it is used that determine the results...

For God has not given us a spirit of fear, but of power and of love and of a sound mind. (2 Timothy 1:7) It has been an interesting week here in British Columbia with all the panic buying! We live in the interior of the province, so we...

A few years ago I came across an article that talked about how only a few extra calories consumed every day leads to the average adult gaining 30 pounds by the age of 50. In the Personal finance community online, there is a lot of talk about not drinking...

When I was attending the University of Wyoming, I had the opportunity of visiting with a businessman one day. I was majoring in business at the time, and I was involved with a multilevel business as well. At one point he asked me an interesting question. “In business you...

When I was in school, I remember being taught how to write a check, calculate change, and calculate interest rates. What I was not taught was how to manage money and how money works. From what I have heard while talking with others and what I have seen online,...

When I talk about DIY, it can be anything that you make or repair. Food, computers, car maintenance, home repairs or upgrades, clothes, or decorations. DIY can be applied to almost anything! They say that we need to walk a mile to see a mile. Walk another mile to...

As summer has given way to autumn, it got me thinking about the changing of the seasons. Not only do we have four seasons in nature, we also have seasons in our lives. A big change of season in my life occurred when my daughter got married earlier this...

People often use the terms cheap and frugal interchangeably. While I believe that they are fundamentally different, I am guilty of sometimes using them interchangeably. There is a difference between the two words. That difference is the mindset that goes with being frugal versus cheap. It is my opinion...