• How to make a monthly budget you'll actually stick to

    How to Make a Monthly Budget in 10 Simple Steps

    Learn how to make a monthly budget (& stick to it) in 10 simple steps. Are you finally ready to make a monthly budget and stick to it? Maybe you’re tired of the cycle of spending more than you earn?  I’ve been there. In fact, it used to be a regular occurrence.  When I wasn’t tracking my spending I wasted so much money on impulse buying. Luckily, after a fair bit of trial and error, I realized I needed to take back control and get in charge of my finances. I needed a budget. The practice of making (and following) a budget can feel overwhelming.  And, if I’m being honest,…

  • You should budget. Here are three reasons why.

    Why You Should Budget Budget – Regardless of How Much Money You Make

    You should budget, even if you make good money. It’ll help bring financial stability and secure your financial future. Don’t think you need a budget? I was once there too. I used to think having a budget was lame. In fact, I was worried if I admitted to being concerned about money I’d come across as a tightwad or cheapskate. But, I was wrong! Regardless of how much money you make, budgeting is a positive thing – you should budget. Because, budgeting isn’t just about figuring out how to spend what little money you have. It’s about being strategic and disciplined in how you spend, save, and grow your money…

  • How to Save Money On Dog Essentials With These 5 Tips

    Save money dog essentials. Dog ownership doesn’t have to cost a fortune! How many times has the thought of those puppy dog eyes had you justifying blowing the budget? If you’re like me, the answer is far too often. But, the good news is, it’s totally possible to save money on dog essentials with a little bit of creativity! Dog Ownership Doesn’t Have to Cost a Fortune As much as I love my mutt I know how expensive dogs can be. But, I also know they don’t have to be AS expensive as we make them – i.e, you can save money on dog ownership. When you commit to an…

  • Should I opt for a joint bank account after marraige

    Should You Opt for A Joint Bank Account After Marriage?

    Should me and my husband get a joint bank account? What are the benefits of a joint bank account after marriage? How do I know if joint banking is right for me? Ever wonder if you and your husband should opt for joint bank accounts once you’re married? (As in getting rid of any and all personal accounts except for things like RRSPs and TFSAs). Honestly, when I first got hitched I was super against it. I believed in financial transparency, but I thought that only having joint accounts) would be detrimental to my independence. But, over the years, we slowly started to move toward total joint banking and after 6+ years…

  • How I stayed home with my baby when I thought I couldn't afford it

    I Couldn’t Afford to Stay at Home With My Baby — Here’s How I Did it Anyway

    Learn how to afford being a stay at home mom. I found myself struggling to afford staying at home with my baby several months after my son was born. My maternity leave was ending, and after going over all our income and expenses, I could not make the money add up! It seemed like there was no way around it—I could NOT afford to stay at home with my child. Luckily, I decided not to give up. With some creative thinking, hard work, and a lot of sacrifice, I figured out how to afford to be a stay at home mom. The following points include the most important things I did to allow…

  • Learn how to save money on your winter utility bill

    6 Super Easy Ways to Save Money on Your Winter Utility Bill

    How to save money on utility bills in winter. With the constant increases in prices and taxes, it can seem almost impossible to save money on winter utility bills. And, let’s face it, you’re really at the mercy of the weather. While some might luck out and have the mildest winter on record, what do you do when your winter is one of the harshest in years? As it turns out, there are a few things you can do AND they’re pretty easy. While these tricks won’t drop your winter utility bill to $0, they will help you see a lower number on that bill. 6 Super Easy Ways to…

  • Looking to save money on a low income? You're in the right place! Here are 60 money-saving hacks to try.

    60 Creative Ideas to Save Money on a Low Income

    Looking for ideas to save money but it seems hopeless because your budget is so tight? It can be SO hard to save money on a low income, I should know! There was a while there where my husband and I were NOT managing our finances very well, living on one income, and slowly sinking further and further into debt. It felt like we couldn’t afford our daily expenses, let alone put any money away!  But then we started a budget and got creative with ways to save money. And, while we’re nowhere close to perfect we’ve actually been able to start saving money!! If you’ve been wanting to start building…

  • Mind blowing research that points to the best way to get out of debt

    The BEST Way to Get Out of Debt: Read This Mind-Blowing Research

    If you’re like me, you really want to get out of debt but you’ve heard SO many different suggestions that it’s all a bit overwhelming.  Getting out of debt is a huge goal my husband and I have right now. We’re making big sacrifices in order to have a couple hundred buck to pay back with each month. So believe me, I don’t want to be putting all that work in and then not paying off debt in the most effective way.  I’m guessing you’re the same. Who wants to waste time and money doing something that doesn’t work? Luckily, neither of us have to wonder about the best way…

  • Want to save money? Here are 5 easy to do money saving challenges.

    5 Easy Money-Saving Challenges You’ll Wish You’d Tried Sooner

    Need to save some money but not sure where to start? Then this list is perfect for you! These 5 different money saving challenges can help you save for anything. And – the best part – they’re actually realistic and doable. Yes, you might have to give up your daily Starbucks, or the lunches out, but a few sacrifices here and there will have you to your goal in no time. 5 Easy Money Saving Challenges 1. Save over $600/year with PENNIES Save over $600 with this print out by myorganizedchaos.net. It’s cute, easy to track, and practical – especially when cash is tight. If you live in a country that doesn’t…

  • Budget Motivation Tips to Help You Stay on Track

    3 Budget Motivation Tips to Help Keep Your Finances on Track

    What do you do when you’re broke, stressed to the max about money, and want to give up on your budget? You implement these budget motivation tips! Although it might be tempting to throw in the towel, say, “To heck with it!”, and go on a spending spree or have a good old fashioned breakdown, those don’t help you feel better in the long run. Luckily, spending like crazy and breaking down aren’t your only options when you’re feeling the budgeting blahs. Instead, try this three-step process, and don’t give up on your budget. Don’t Give Up on Your Budget! 3 Budget Motivation Tips. Step 1: Take a break Sometimes you…