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Get rid of your bar fridge. It really is a power hog and oftentimes is mostly empty anyways. If you have a party get some ice chests/ coolers and ice. Use you coldroom in the winter (works great too).
Get rid of your gas guzzler! I had a van prior to the price of gas hitting the $100 barrel mark and switched to a small sub-compact car (wagon) and I have no regrets.You may fill up with the same frequency but I would rather fill my tank with $45 than $65-85 or more for many large vans and trucks.
Good money management is an acquired skill. As you go forward with the process of saving monay, you need to have a positive attitude which is often what will keep you and your family headed in the right direction. If you think you can’t save, then you probably won’t. Be determined and stay positive about saving. As you see your savings mount up, this will become easier and easier.

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Last but not least, we have to have fun.. Every paycheque, we give each other an X amount of dollars that’s ours to do whatever. I mean, he’s a golfer, I gotta keep him happy. I’m finding we’re sticking to our budget better this way. Once we run out of that, it’s over.. wait till payday…
Learn how to enjoy life and nature rather than possessions. Being happy in life is far better than buying item after item. Having an inner peace is better than having a house filled with “things”. This does not mean that you can’t enjoy some of the finer things in life, it just means learning how to be happy with yourself and not “things”.
Look for classic pieces of clothes and often in black, or white that are easy to mix and match and that won’t go out of style. I’ve stopped doing the value village things there, as I found I tended to not wear many of the “deals” I was picking up. They say most people only wear ten percent of their wardrobe so why bother to buy 90 percent you won’t wear?

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We would rather feed our children chemical loaded processed lunches from the supermarket than spend 5 minutes cutting that apple or cheese slice ourselves….

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Use a points/cashback based credit card that gives me the best return for my spending.  In addition, when purchasing items online, I check for cash back Online rewards in addition to using my credit card.
I use basic cable instead of the fancy cable packages.

Save Money – Spend time in the kitchen! | Letterchamp

We would rather feed our children chemical loaded processed lunches from the supermarket than spend 5 minutes cutting that apple or cheese slice ourselves….

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To please my reading habit, I go to the library (or get publishers to send me free books for review)
When buying consumer items, I try to separate my “needs” and my “wants”.

Save Money – Spend time in the kitchen! | Letterchamp

I t is no longer the norm in this generation to begin a career in the mail room and retire 35 years later as one of the top managers. People change jobs often and for any number of reasons. Leaving a job can be a difficult decision especially if you have a strong sense of loyalty to a company or you are dependent on the salary and benefits they offer. If you are thinking of leaving, here are six signs it might be time to look for another job. 1. Apathy In an ideal world everyone would do what they love and get paid for it. For some, that’s simply not the case. They needed work and they took a job. The hope is that most people would learn to like things about their job and would do it to the best of their ability until they got promoted or something else better came along. Apathy is different. Apathy creeps in when you’ve been in a job too long and you no longer care. Signs you may be feeling apathetic include: Total lack of stress even during difficult periods of work. Checking out either physically or emotionally (web surfing, long lunches, coming in late). Not caring about the general well being of the company or if reports get done on time. 2. Glass Ceiling We all know it’s illegal to hold certain demographics back from choice jobs but we know it happens anyway. I’ve heard many a woman discuss how hard it is to get promoted during her fertile years until she announced quite openly that she was done with having children and her work would always come first. In other companies, you only have a chance at a top role if you’re over or under a specific age. No one will admit this but you can be pretty sure you’ve hit the class ceiling if you notice no one else in your demographic has ever made it higher than you currently are or if you hear the subtle comments, “We thought of you for this role but you have young kids and there is too much travel.” This one was said to me. I wanted to shout, “You have no right to decide for me what is best for my family. That is my choice to make!”. I didn’t. Instead I calmly explained that in the future I’d like to be considered if something like that ever came up again. The glass ceiling can also happen in small companies where there is only so far you can go and only so much money that can be earned. At some point you may have to decide that you can stay at this level for life or it’s time to move on to something else. 3. Boredom Boredom can relate to the glass ceiling. If you’ve made it as high as you can go and you’ve been doing the same thing for years with no opportunity for growth, it can be extremely disheartening. In truth, this is why I was so ready to leave my last job. I had hit the class ceiling. The only women in management roles were empty nesters. I had been with the same company for 12 years and in the same position for 6 of those years. I did my job well but I simply wasn’t using my quota of brain cells in a day. It had lost its challenge and when I suggested further training and specialization, I was told there wasn’t money in the budget and maybe in another 5 years. The thought of doing the same thing for 5 more years had me thinking there might be something else for me somewhere. 4. Emotional Leakage Getting angry at your spouse? Yelling at your kids? Taking your work frustrations out on the dog? If the emotional baggage you are bringing home from work is leaking into your home life on a regular basis, this is a sign that things need to change. Deep seated resentments can take years to form. Cumulative stress compounds and can make your life miserable. There are times in any job where the stress will leak over into other areas of your life. If you are regularly finding yourself stressed out, angry or bitter and it’s consistently leaking into others areas of your life, it’s time to find something else. 5. Mistrust Trust is foundational in working relationships. Has something happened that has caused you to mistrust your employer? Do you sense they don’t trust you? I can’t work in a place where mistrust is the default. If managers are constantly looking over my shoulder or checking up on me to make sure I’m doing my job properly, I don’t feel trusted. Yes, trust has to be earned but to last long term in an organization trust has to be there and it needs to go both ways. Some things that can contribute to mistrust include questionable ethics or financial statements, lying, cheating, rage or gossip. 6. A Better Offer Sometimes a new job opportunity comes out of nowhere. A friend tells you about a job posting at his company. You happen upon a job posting and apply. Careers aren’t like relationships. Looking while still employed is ok. Be open to new opportunities along the way. If you find something better and think it will be a great fit, apply and see where it takes you. There are many reasons to leave a job. Making the decision to leave is often the hardest part. What are some of the reasons why you’ve resigned from a job? Kathryn has been a staff writer for MDJ since January 2009. During the day she works in an office. In her off hours, she volunteers as a financial coach helping ordinary Canadians with the basics of money management. Kathryn, along with her husband and two children live in Ontario. Popular Posts: Canadian Discount Brokerage Comparison Top 6 ways to Save on Auto Insurance High Interest Rate Savings Accounts MBNA SPG Credit Card Review Child Care Tax Credits Questrade Review Are Hybrid Vehicles Worth it? Tax Free Savings Account (TFSA) Copyright 2010 MillionDollarJourney – All Rights Reserved

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I Quit! 6 Signs It May be Time to Move On

Taking advantage of these lower refinance mortgage rates will help you to save money which you can use for other purposes like home improvements, buying a new car, children’s tuitions, planning vacations etc. …

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Don’t smoke, or drink (too much).
Pay a higher deductible on insurance products to reduce the premiums.

Refinance Your Home Mortgage Loan and Save Money | Mortgage …

Another in demand legitimate home business opportunity is providing online tutoring to children and adults. If you are well versed in a particular subject you can offer these services online and earn a regular decent income. … Here is the original post: Web Development | Selecting a Cheap Legitimate Home Business …

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Web Development | Selecting a Cheap Legitimate Home Business …

W ith the income tax deadline just around the corner for tax year 2009, which is April 30, 2010 ,  it’s time to start thinking about what’s required to file.   If you are a small business owner, you have until June 15th to file, but any taxes owning must be paid by April 30th.  If you are entitled to a tax refund,  although the deadline is at the end of April, the sooner you file, the sooner you get your tax refund When preparing to file, there is various paperwork required to be collected for information purposes, or even to be submitted to CRA.  For me, I use a filing cabinet and separate receipts and other paperwork by category, then use a spreadsheet to summarize everything.  I typically organize the spreadsheet by income, claimable expenses, small business, rental properties well before the income tax deadline.  This article will focus on preparing to file personal taxes with future articles explaining small business and rental properties. Income The first step in organizing your taxes is adding up all taxable income for the year. T4 – These are all sources of “other income” such as salary income, employment insurance, pension etc.  The T4 slip will be provided by your employer/government. T5 – This slip usually comes in the mail from your investment brokerage and covers your dividend and interest income. Capital Gains/Losses – This will need to be tracked yourself and is a result of buying/selling investments within a non-registered account (or real estate).  Here is an article on how capital gains tax works .  As well, if you buy and sell the same security multiple times, here is how to calculate the adjusted cost base . Universal Child Care Benefit – If eligible for this program, you’ll get a statement from the government as to the amount received for the year.  This amount can be claimed under the lower income spouse. Claimable Expenses After figuring out the income, it’s time to get to the good stuff.  That is, the tax deductible expenses to reduce income reported and tax credits to reduce income tax payable.  They include: RRSP Contributions – The RRSP contribution slip(s) that you’ll receive from your bank/brokerage are important as they may need to be submitted to CRA with your return.  RRSP contributions are perhaps the largest tax deduction/deferral available for salaried workers. Charitable Donations – Usually when you make an online donation you’ll get an email tax receipt shortly afterward.  If you are a monthly contributor, then they’ll most likely send you a large donation receipt at the end of the year.  Note that if you paper file, you’ll need to include donation receipts with your return.  Here is more info on how the donation tax credit works . Medical Expenses – For 2009 tax year,  you’ll get the 15% tax credit for qualified medical expenses in excess of $2011 or 3% of income (lower income spouse) whichever is less.  Note that health insurance premiums can be counted as a medical expense.  For example, if the lowest income spouse makes $40k per year, then medical expenses in excess of $1,200 will receive the tax credit. Home Renovations – With the new home renovation tax credit available in 2009, gather up those home renovation receipts.  Note that after all receipts are added, there is a $1000 deductible, and the maximum renovation amount is $10k.  So if you have $8k in eligible renovations in 2009, then you can claim $7k as a tax credit (15%). Education Expenses – If you had education expenses such as tuition, then you may be eligible for the tuition tax credit.  As well, text books, student loan interest and an education amount might be applicable.  Check out this article on education tax credits for more info. Child Care Expenses – If you have children, there are a few child care tax deductions available.   If you have a spouse who stays at home, a spousal amount is transferable to the higher income partner, daycare expenses (up to $7000k), children fitness programs, as well as a $2000 per child per family tax credit (~$300). Investment Loan – For those of you who have the risk tolerance to leverage your investments, then providing that the funds were used for eligible investments, you will be able to claim the interest on the loan.  Here are some key considerations with an investment loan . Transit Pass Tax Credit – For those of you who use the public transit system, you may be eligible to claim your transit expenses as a tax credit.  For example, if you paid $1200 in transit expenses for 2009, you would receive a tax credit of $180.  I’ve never claimed this one (public transit where I live isn’t ideal), so make sure to do your own due diligence. After preparing all your paperwork prior to the income tax deadline, there are a few options.  You can DIY via tax online software like UFile , Quicktax , or Studiotax .  Other options include doing an old school paper return, or using an accountant. Even if you have an accountant, you’ll save them time, therefore save you money if you have everything organized before submitting to them.  Personally, I think that if it’s a fairly simple return with regular salary and perhaps some investment income, then a online program would be just fine.  However, as the tax situation gets more complicated (your own business etc), then it may warrant paying for professional advice. Note that I’m not an accountant so this article should be used for informational purposes only. Popular Posts: How capital Gains Tax Works How Dividend and Interest Income Tax Works Registered Education Savings Plan (RESP) Top Cash Back Credit Cards in Canada Questrade Review Are Hybrid Vehicles Worth it? Tax Free Savings Account (TFSA) Copyright 2010 MillionDollarJourney – All Rights Reserved

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Preparing for the Income Tax Deadline (2009-2010): Personal Taxes

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If you have children you can use them as night lights and this saves money.
If you have credit card debt that you can’t pay off at the end of every month, it only means that you are spending more than you are making. In other words, you are living byond your means. Sure, most people want more than they have, but life is not about spending money. Be thankful for what you do have, and learn how to enjoy the financial position you are in. This is where a budget will help you identify the amount of money coming in against the amount of money going out.

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I imagine, from a parent’s perspective, the prospect of co-signing for a son/daughter’s credit card stirs up a number of emotions and thoughts. There could be number of reasons why a young adult might want/need a credit card, from paying their tuition, to purchasing a big ticket item like a second hand car or perhaps to even start a business. Part of the reason a number of parents eventually give in to their son/daughter’s request is because they love them and cannot say no. But reasons such as pursuing an education or starting a business can be very hard to say no to, simply because education and entrepreneurship are skills and traits that almost all parents want for their children.  These and similar justifications run through the minds of parents all the time but financial experts caution strongly against parents co-signing loans/credit cards for their children. While there are many youth who know how to be frugal and may be understanding of how credit cards work, many more will be likely to overextend their limits, miss payments, and leave mom and dad ultimately on the hook for both the payments and the dent in credit scores. High Costs of Co-Signing As a co-signor you are essentially agreeing to be fully responsible for payments on charges made on the card. It will not take long for a few bad financial moves on the part of your kid to ruin your own credit history. Lenders now want perfect credit before they would consider a loan to anyone. If parents are still in the market for another house or line of credit for other reasons, any mistakes on their child’s part regarding credit cards can end up costing parents much more than they anticipated. Additionally, poor payment histories or collections will remain on a credit report for years and lenders do not give one iota of thought to who is actually responsible for overdue accounts. Teaching a Bad Lesson Many also believe that parents who sign on a credit card for their child are setting a bad example. Kids who have mom and dad do everything for them will never learn to be self-sufficient. They may also be more careless about their credit card spending, especially during the unsupervised college years. If a child knows parents will foot the bill no matter what, they will likely not learn the necessary basics of personal finance. Parents should be working with their kids to teach them how credit works and how important it is later in life. Children who grow into adulthood understanding that credit is a privilege and not a life entitlement may grow into the most financially responsible adults. Alternative Options Some parents will still co-sign for a child’s credit card and hope that a strict set of spending rules and consequences will help the child to make the right choices. That is certainly an option for different families. For others, alternative plans may be in order. Here are some options beyond plastic: Debt Cards – Many can still be used as a credit card for purchases but there is a lesser chance that balances will be overdrawn because the money comes directly from the account. To add extra responsibility to the mix, parents can require that kids put their own money into the joint account from part time jobs and summer jobs so parents are not relied on totally for financial support. Secured Credit Cards – Secured credit cards are essentially a prepaid credit card where all charges made are deducted from a deposited balance. Many kids can get secured cards before regular credit cards and still build up a good foundation for credit history and score since these types of cards still report back to the credit bureaus. Money must be fronted to activate the card and replenished when funds run low. Authorized User – On a parent’s credit card account, children can be added as an authorized user. Parents are still ultimately responsible for the credit card payments but the move can help build a credit history for a young adult. If limits are crossed, authorized users can be removed fairly quickly. Some credit card companies will even allow specific restrictions on the authorized user card’s spending. This post was written by Arjun Rudra, the founder and editor of Investing Thesis: Credits Towards Financial Freedom For more investing insights, interviews with portfolio managers and trading strategies, please consider subscribing to his feed . Popular Posts: Canadian Discount Brokerage Comparison Top 6 ways to Save on Auto Insurance High Interest Rate Savings Accounts Top Cash Back Credit Cards in Canada Questrade Review Are Hybrid Vehicles Worth it? Tax Free Savings Account (TFSA) Copyright 2010 MillionDollarJourney – All Rights Reserved

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Is It Smart To Co-Sign for Your Child?