24 Ways To $ave Dat Money
Jan31

24 Ways To $ave Dat Money

David Burd, better known by his stage name Lil Dicky, is an American rapper and comedian. At the age of 31 Lil Dicky’s net worth is estimated at over $8 million dollars. You might want to watch this video twice as Lil Dicky provides several real ideas on how to reduce your spending and $ave Dat money. For those of you who can’t watch the video *NSFW – I’ve extracted the best of LD’s money saving tips...

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À la carte or Buffet – The $20 Cell Phone Plan
Jan21

À la carte or Buffet – The $20 Cell Phone Plan

FREE iPhone X, FREE $200 gift card and FREE washboard abs. Just sign here! But before you do – realize it’s all a LIE – even the abs. All those advertisements you see for free upgrades, gifts with purchase and free iPhones are not really free, somebody pays and that somebody is you. It’s stacked against you by design. There is only one thing (possibly two) things in life that are always free: a mother’s...

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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...

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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...

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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...

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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...

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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,...

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The Position of FU
Sep16

The Position of FU

Sometimes there is some deep level wisdom coming out of Hollywood and there is certainly something to be learned by this short one minute snip from the movie The Gambler. I agree 100% that the position of fuck you would be a great position to be in, but I want to clarify that it doesn’t mean that you are now free to be an asshole, it means you can better spend your fucks on things that actually matter to you. It means that you...

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