You are not your Choos’
Mar17

You are not your Choos’

Consumer culture has done a bang-up job programming us to believe that possessions make us happy. Well done consumerism – you’ve nailed it. On the other hand, we have failed miserably in our attempt to measure “success”. We have got the formula all wrong. We simply define “success” as the ability to publicly display wealth. There is little attention paid to – community involvement, family...

Read More
The Best Things in Life Aren’t Things
Mar13

The Best Things in Life Aren’t Things

It’s called the “Mountain Man *” and here’s what you do: Get down to the bare essentials leaving just your knickers, briefs or whatever you happen to call underwear, just keep it legal and no long johns please. Shoes are optional but recommended. Then go outside, but only when the temps are sub-zero. The colder the better – that’s how it works. If you can last at least 60 seconds you are now a...

Read More
RESP – Is it worth it?
Feb15

RESP – Is it worth it?

I’m certain there is some sort of government mandate to make seemingly simple stuff as confusing as possible. The RESP (AKA – Money for your kids education) is no exception, it actually might be the rule. I imagine the conversation at the CRA going down like this “Hey Joe, this new RESP program you drafted up is crap. I understood the whole thing, the first time, without needing a translator. Can you go ahead and...

Read More
The Pursuit of Stuff
Jan15

The Pursuit of Stuff

I get it – having nice things is, well nice. I happen to live in a big fancy house with rock countertops that were crystallized from magma that cooled far below the Earth’s surface. I have multi-layered wood floors that were milled from a single piece of timber and kiln dried before sawing and placed in my home. My shelter is also equipped with the ability to produce clean fresh drinking water on demand. Hot or cold...

Read More
It’s Stacked Against You
Jan10

It’s Stacked Against You

There is a reason that the debt levels in Canada and the US are approaching all time highs. The average Canadian owes about $1.70 for every dollar of income he or she earns per year, after taxes. This is not an oops I slipped. This is by design. No one actually wants you to save money. Almost everyone is out to get a little bit of your dinero. I mean everyone, even your own kids are out to get you. They are constantly asking you for...

Read More
Bankruptcy of Life
Dec31

Bankruptcy of Life

“I’ve always wanted to (insert thing/activity/learn/travel here), but I can’t afford it.” Even though this (rarely updated but awesome) blog is primarily about personal finance, savings and being a frugal badass with your money. Ultimately, I think that the thing you can’t afford, is not to do the thing that you so wanted to do. What do we really need? Some food, heat, and shelter. A place to rest and a...

Read More
TFSA – It’s a Gift and it’s Tax Free
Dec19

TFSA – It’s a Gift and it’s Tax Free

TFSA (Tax Free Savings  Account) as the name suggests is a Tax Free Savings Account. But this is just plain WRONG. The banks already have accounts for that. So from this day forward you will refer to this account as a Tax Free Investment Account. An account for investments, not cash, braindead GIC’s or for use as an emergency fund. Got it.  Good news, in a couple of weeks you can shovel another $6,000 into it. You...

Read More
The Shockingly Simple Way To Get Rich
Dec12

The Shockingly Simple Way To Get Rich

Spend less than you earn and save the difference. Thanks, Captain Obvious, we already knew that.  The problem isn’t that we don’t know this, the problem is that the majority of us are absolutely horrible at it. Let’s take a look at the one thing we are really good at – Spending. Lot’s and lot’s of spending and that equals lot’s and lot’s of debt and consumption.  In Canada’s case,...

Read More