8 Tips to Become Financially Free

Wednesday, May 30, 2018

In just about every worthwhile undertaking, we can be a watcher, a talker or a doer. In the interest of financial freedom, which one are you? If you chose doer, that’s great! However, you need a way to get there.

In this article, we will cover eight (8) tips to help you become financially free. Some of these will be related to your thinking, and others to actual steps to take.

1.     Think In Terms of Net Worth

If you have $20,000 worth of assets (saved cash and investments), and $10,000 in liabilities (debt or anything you owe), then your net worth would be $10,000. This is what you want to track in your journey to financial freedom.

2.     Track Your Outgo

Putting your outgo – your spending – to the best use possible will help you increase your net worth on your way to financial freedom. There are free tracking apps that can help you.

3.     Invest In Your Education

Degree or no degree, continue to keep up with trade-related things that could increase your value as an employee. But if there’s a subject you have a passion for, keep deepening your knowledge and expertise. If you don’t have one, get one. Even college grads can get laid off.

4.     Create Multiple Income Streams

Obviously, part of the financial freedom equation involves earning more income.

Transfer your expertise into a book or ebook, and publish it. The same can be done if you’re more of a creative writer.

You could also sell physical goods on eBay, Amazon and a host of other places.

5.     Adopt the Rich Dad Mindset

It’s simple: pay yourself first. Out of every paycheck, take at least 10% and put it aside. You’d be surprised at how quickly that 10% adds up to a respectable chunk of change.

This way you will have a growing sum to later invest, and you might be less inclined to spend unnecessarily.

6.     Invest In Bitcoin

Bitcoin investment has become increasingly popular, and could be a way to diversify your portfolio. At the time of this writing, one bitcoin is worth $7,500.

One helpful platform for bitcoin is Bitcoin Code. Check out the Bitcoin Code Test Results.

7.     Who Do You Hang With?

It has been said that if you want to be wealthy, you should hang out with wealthy people.

Think about it. Who will give you the best chances of achieving that goal – someone who knows nothing about being rich, or a wealthy mentor who can help you?

8.     Stick and Stay – She’s Gonna Pay!

The late great Tom Petty had a song entitled, “The Waiting Is The Hardest Part.” Yes, patience is difficult for all of us in some way.

But anything worthwhile is worth waiting for. Keep at it. It will pay off in due time.


If financial freedom is your goal, then we hope that these 8 tips will help you get on track and stay there. Educate yourself, take practical steps and stick to it!

What's New With Us , For Sunday, May 27

Sunday, May 27, 2018

It's almost month's end and we'll soon see after keeping track of grocery expenses for a month, how we're comparing to the cost of groceries back in the USA. I know for sure it sure looks like things are more expensive here at home, even with the exchange rate. And I sure miss the 99 Cent Only store! Gerry misses how much cheaper the meats are and how much more he can get for his $$ in the USA.

Jakey goes for a hair cut in less than 2 weeks and it will cost $62 with the tax. In the USA we pay $25 USD and that's WITH the tax.

If I didn't mention it last update, Gerry has gone back to work for the summer and still faring well with that. It has had it's hiccups but so far, he's still hanging in there. The extra money is coming in handy though. Since he did get the job though, he was to have a phone so he could text with bosses and the crew, so now we both have iphone 6's. We really have gotten into texting and using them!

We won a radio auction and got $40 off 10 yards of limestone, to make a level pad to park the RV on in the backyard, but even with discount it was still a $205 cha-ching.

Also going to tear down the back fence and gate and do a rebuild with a better design and better gate. Will update once that's done.

We took apart the hide a bed in the RV, sold that part of it for $20 and made a storage area under it instead, since we could use that more than the bed that was in it that wasn't being used. The couch is such an ugly floral pattern but still in good shape so we just cover it with a couch slip cover!

We had to get 4 new tires for the back of the RV for $1,000, since ours had gashes in them ( as shown above)- and Gerry said were about 6-7 years old. Also heard we need new brake pads.

There is a big "to do" list with the RV for things Gerry wants to fix up on the inside and outside. We've been asked if we are going anywhere for the summer but we don't think so- not with Gerry working- and if we do go anywhere it won't be far.

Been doing yard work and sprucing things up. Just got me a strawberry plant and some tomato plants - will see how those turn out. The tomato plants were $2.49 each and the strawberry plant was $19.99. Have a few seed packs we have to use too that we got free in the mail so will have to think of a spot for those. Also maybe pick up some new mulch around the trees.

The front hedges are growing- think their third summer but still slow on coming up on the front, for some reason? 

And how is your summer going so far? We'll be sure to chat again!

5 Reasons Vintage Sunglasses Improve Any Outfit and Where You Can Find the Best Ones

Wednesday, May 23, 2018

Everyone loves the “comeback kid” and vintage sunglasses are no different. Back and better than ever, they are making statements on every face they adorn. They are ready to improve your outfit on any day.

1. They Go With Everything
Vintage sunglasses are an accessory that goes with everything you put on. From business suits to bathing suits, throwing on a stylish pair will be the finishing touch you need. Bring balance to your outfit by wearing dramatic frames with jeans and a tee, or perhaps some simple retro designs with a vibrant dress.
2. They Go With Everyone
Finding sunglasses to go with your face shape can be a tricky endeavor, but many vintage frames are perfect for everyone. Sticking to “aviators” and “wayfarers” is a safe bet you can’t go wrong with.
3. They Go From Classic to Crazy
Vintage sunglasses can be elegant or wild. There’s a style for every personality to shine. Whether you’re more subtle or quirky, there’s a pair to suit you. Tortoise shell to funky floral and “cat’s eyes” to oversized, throwback styles have it all.
4. They Give You a Confidence Boost
Not only do sunglasses protect your eyes from the sun, but they add a bit of mystery to your ensemble. Put some swagger in your step and know you look good while wearing the right shades. It’s anyone’s guess what you’re thinking and where you’re looking.
5. They’re High Fashion For Low Cost
Vintage sunglasses can add so much for so little. Instead of drawing eyes down by wearing your pop of fashion on your feet, bring everyone to your eyes. Wholesalesunglasses make finding them a steal.

Candy Apparel is your go-to-site for purchasing retrovintage sunglasses wholesale. Your online store for all your eyewear needs offers great perks.
·         Low-price guarantee
·         Free shipping on qualifying orders
·         Eclectic and ever-updating inventory
Check out their stock now to find your next signature look.

Spring Cleaning With OdoBan ( Product Review)

Thursday, May 17, 2018

With living in the USA in our RV half the year and here in Canada the other half of the year, I have two "homes" I keep clean. I love to clean and use cleaners that make a room smell fresh when you walk in the room. Killing germs is equally important.

I heard about a new product selling at our local hardware store called OdoBan.

OdoBan®, Odor Eliminator, cleans, disinfects, sanitizes and deodorizes pre-cleaned hard, nonporous household surfaces. OdoBan® eliminates unpleasant odors on washable surfaces too, such as upholstery, carpets, bedding, showers, walls and floors while leaving a fresh scent. There just isn't anything you can't use it on for cleaning and I like that alot!

I cleaned floors with it yesterday and am hooked on it's clean fresh smell.
I didn't to use much to get alot of bubbles in my wash pail, but then they calmed down which was good, because I don't like having to deal with too much soap suds either. 

Going to share some with my mom too as I want her to try it as well. Watch for her upcoming comments on this post!

What's New With Us

Monday, May 14, 2018

It's our daughter Erika's 26th birthday today. She was born as a preemie 2 months before my expected due date, weight 2 lb 10 ounces, back in 1992! Happy Birthday Erika!

Gerry got his passport photo re taken, and forms filled out, so will be sending that in today registered mail. ( As you may have remembered, we had a small leak in a part of the RV where the passports were kept and his photo on his got ruined. Customs told us for sure he has to get a new one).Getting a 10 year one again, but with the cost of the photo, the paperwork and mailing registered mail it will be around $205! 

We won a radio auction for 10 yards of limestone, saving us $45. Gerry will be needing it to bring up the back yard to make it more level to park the RV there, and as well he should have some for the front driveway too.

Hope everyone had a nice Mothers Day... I got phone calls from both my girls, flowers from one, scratch off tickets from Gerry and a few cards.

The weather hasn't been warming up at all since we got home. Either still cool or windy.Calling for freezing rain too in the weather forecast.

Gerry has been at his new job I think going on 2 weeks- part time and for the summer. Hired as a supervisor but since alot of the crew has yet to be hired, he is doing alot of work. Looking after graveyards and personal properties in towns and at the lake. Yard clean ups and lawn maintenance. Jakey and I have been quite used to him being at home these last few years of his retirement, so hard to get used to having him gone all day. The money will come in handy though, either way.

Also going to make some changes in RV. We are taking the hide-a- bed apart. Don't use it and could use it as storage instead, so Gerry will pull the mattress out of it and take the frame out and re-build it as couch/ storage unit. I wanted to see if the mattress is still in good shape thought to sell it. 

Do wish you all a great day whatever it may be you are doing.

4 Hidden Tricks of Saving Big When Buying Wedding Rings (Never Go to a Store)

The wedding industry is geared to convince you that weddings are expensive and it’s not a “perfect” ceremony if you don’t spend enough. It’s okay to go big on your wedding, but it opens the door to financial misery if you end up crossing the budget in each and every front. One of those areas where couples often end up overspending is wedding rings. In a bid to get a ring with a large rock, people often end up spending way more than they should. Considering a platinum and diamond wedding set can cost upwards of $2500, it makes up for a huge chunk of the wedding fund. If you want a special wedding ring without the burden of debt, here’re 4 hidden tricks that can help you save big when buying wedding rings.

Identify the Impulse and then Kill It:

Buying an expensive wedding ring may be a dream for some but it’s hard to fathom that everyone shares the same goal in life. If it’s your life’s goal to buy an extravagantly expensive wedding ring (no harm in that) then you should start saving early. However, most people feel the urge to spend big right when they are at the jewelry store. This is a clear indication of an impulsive trigger that can lead people to swipe the credit card and get something that doesn’t make financial sense. If your aim is to save money, you will have to successfully identify the impulsive trigger and quash it before it sweeps you away.

Train Your Mind to Pay for Exclusivity Instead of Tradition:

First off, diamond and platinum wedding rings are not at all exclusive. From supermarket jewelry sections to boutique jewelry stores, people buy these rings all the time, which makes them pretty common. This means if you suffer from the belief that these wedding rings are one of a kind then you are headed towards disappointment. As soon as you start showing off your new ring, you will figure out that your neighbor, relatives, and friends have similar, if not better, wedding rings. That’s because diamond wedding rings are unbelievably common. This begs a question. Why do you want to spend so much on something that everyone else has? Train you mind to find something more exclusive. Something like an emerald or ruby encrusted ring looks refreshingly different. Lookup semi-precious stones such as peridot and aquamarine, which look different yet luxurious.

Never Go to a Jewellery Store:

The key to buying affordable wedding rings is to stay clear of jewelry stores. Everything from the ambiance to the way store executives speak is geared to make you spend more than your budget. When you go to a store you are also limited by the collection of that particular outlet. This means you would have to go store to store before you find something you like that fits your budget. Buying wedding rings online, on the other hand, keeps you safe from impulsive buying and smooth-talking salesman.

Keep Multiple Browser Tabs Open:

Now, that you see the merit of buying wedding rings from online jewelry stores, here are a few pointers. It’s important to buy from an online store that offers easy returns and home trials. It’s also critical to check if the products come with certificates of authenticity and independent gemological lab reports. Considering you have those covered, it makes sense to keep multiple tabs open when shopping for wedding rings. This will allow you to compare the prices and find the best deal.  

You Certainly Get What You Pay For

There are two sides to financial wisdom. The first side is being frugal, understanding the value of a dollar and staying competent in all of your budgeting needs. The other is to know when to invest for quality over quantity. There are many reasons that we might decide to veer on one side of this spectrum over the other. There are sometimes where they both join together and act as one decision, but this is a little rarer.  Whether in a personal setting or a business setting, we’d recommend that strong financial investment sense comes from the following insights:

Knowing Value

It’s incredibly important to know when to invest, and what that investment will get you. Value is determined by many, many different variables. For a start, timing is everything. Something that is of a certain value today might not be in a couple of months. It’s also important to compare your purchases in different ways. For example, it might be that instead of hiring from your local area, it might be much better to hire someone with a specialized skillset from abroad. Even the cost of footing that expense, with the travel costs, accommodation and helping them apply and gain an Immigration Visa can be worthwhile, especially if hoping to expand to those markets.

The difference between a business that runs efficiently and one that struggles to maintain itself is this ability to perceive and analyze value, as well as how that will effect in the short and long term.

Quality Of Goods

It’s important to know that no matter how you operate, the quality of your firm will always be dictated by the ingredients it acquires. This goes for even small areas of interest, or for services rather than products. For example, let’s say you’re opening a hair salon. It order to distinguish yourself from the competition, it might be worthwhile to purchase a certain calibre of salon equipment, install sinks to wash hair, and maybe even foot the cost of complimentary drinks for each client. This investment might seem overkill from the beginning, but the ability to ensure that this is carefully metered out and the benefits are understood could help you drive business revenue to heights you might not have seen. Put simply, sometimes putting all your eggs in the basket of quality can pay off tremendously.

Analyzing Good Deals
Of course, in order to have your investments pay off, you need to ensure that you’re fully aware of deals to take advantage off. This might be in the form of bulk buy orders, catering to more lucrative clients as a priority, or simply ordering around the keep prices competitive. This is why even the most financial frugal can find authority in choosing the more expensive option, as sometimes the knock on effects are priceless. With the frugal eye placed on achieving quality, you’ll likely become close to a win-win situation for you and your wallet.

With these attitudes in mind, you’re sure to profit big time from both quality, quantity, and financial wisdom.

How To Spend Less Money On Your Hobbies

Hobbies are important because they keep us balanced and ready to take on the challenges that our busy work lives might bring. Unfortunately, many call for serious investments. For example, hunting isn’t a particularly cheap sport, but of course it all depends on the types of species you might be interested in targeting.

Fishing isn’t a very budget-friendly pastime either, especially deep sea fishing. You need to charter a boat, use the right equipment, and even be dressed appropriately to make sure your angling expedition goes as smoothly as possible. For today’s article, we’ve prepared a list of tips and tricks you might want to consider if you want to save money and still be able to enjoy your hobbies as usual.

What to do if you’re a beginner

The first problem that most rookies face is that they hardly know the basics of a sport or pastime they want to get involved in, and so they might spend a lot of money on the wrong equipment or the wrong kind of lessons. Becoming proficient at playing the piano takes years and years, but if you only want to learn the basic stuff, you don’t have to get an expensive instrument and join a pricey course.

What you could do, however, is do as much research as your time allows you to. For the sports we’ve mentioned above, for example, there are heaps and heaps of forums out there that you can always come back to when you’re having a dilemma about the right type of equipment you need to use for targeting one species or the next.

For learning a new musical instrument, you could join classes hosted by sites like Udemy, Lynda, or Coursera. You can also hire a teacher online and he or she could teach you the basics of playing your favorite instrument via Skype or some other type of online communication like this.

When it comes to your tools of learning, always start with an affordable one. That doesn’t mean you have to pick the cheapest out there, but do consider that your inexperience might make you quit the hobby ahead of time or break that item because you aren’t skilled enough just yet.

Make a list of goals

Even when it comes to your hobbies, you have to assess financially feasible they really are. For example, if what you love most is going hiking or camping, you could cut back less on whatever expenses you might have to make in this regard if your partner or your whole family also takes part in these activities.
Why? It actually makes sense to get quality equipment for everyone, in this case.

Renting or buying

We once came across a very well-researched article on renting versus buying your ATV. Sure, for other hobbies it might be different, but the fact is that in the long run, you’ll have to spend your cents on cleaning and maintaining your various kinds of equipment.
But are you so addicted to your hobby that you do it every week or will you waste money if you purchase your gear instead of renting it, because you only engage in that activity twice to five times per year? Only you can answer that question.

Happy Mothers Day!

Sunday, May 13, 2018

Happy Mother's Day everyone! Hope you all enjoy your day today- whatever you may be doing. 

Mothers Day Gift Guide 2018

Friday, May 11, 2018

Mother's Day will be here soon, and it's the time to show your mom or mother-figure just how much they mean to you. Although nothing can make up for all the worries, sleepless nights and the vast amounts of love and understanding that moms give us, we can at least try, right? This Mothers Day give your mom a "gift that is straight from the heart" and show her how much you appreciate everything she does for you! 

We have some great gift ideas too to share with you-

Moonrays® Landscape Lighting-

Moonrays® Landscape Lighting has something for everyone’s outdoor space - from whimsical accent lights, to solar pathway solar, to complete low-voltage sets. In addition to the exceptional quality of the Moonrays collection, the products feature unique designs that are not seen among other brands in the industry.

Ellia Retreat Wall Diffuser-

Big scent in a small package is just what the Ellia Retreat Wall Diffuser provides. The waterless design allows you to insert a full bottle of any Ellia essential oil and get up to a month of intermittent scent or two weeks of continuous scent depending on the function choice. An integrated light provides a gentle glow. The small size makes it great for tight spaces or limited counter space.

Thirty-One Gifts-

Thirty-One Gifts’ new line of Studio by Thirty-One purses is the most versatile handbag you’ll find. Using two styles of purse bodies in various colors, and adding fully interchangeable flaps and straps to switch out your look allows you to build several bags as you change out straps and flaps to create a look that matches your current outfit or mood! Personalization also can be added to the flaps, giving the freedom to redesign the perfect bag for day, work, weekends, travel, shopping and more! Priced at $80 for a full set, and $98 for a full set plus an extra flap and strap.


You know what's going to have mom looking stylish this Mothers Day? A  pair of Skechers Bobs Highlights ! I know - I have a few pairs and love them.. comfy and cute! Get mom's style looking ship shape! I personally love their new Ocean Spell. But there are so many more styles to choose so spend some time on the site and get mom a pair this Mother's Day- and don't forget to maybe get yourself a pair while your at it! 

What better way to show mom you love her and appreciate everything she does for you than by building a LEGO version of her! This “selfie” kit is the perfect way to show mom some appreciation. The set even comes with enough bricks for your little one to build themselves next to you!

Fuel your creativity by making a LEGO® BrickHeadz version of yourself, friends and family or colleagues with this fun set. Create two BrickHeadz construction characters using the specially selected LEGO bricks for different hairstyles and skin color, plus there are two kinds of glasses, a sticker sheet to personalize your builds, and a brick separator. Display your creations on the buildable baseplates in your home, office or anywhere you like.
• Create 2 unique LEGO® BrickHeadz construction characters with LEGO bricks.
• Also includes a sticker sheet to add different details.
• Comes with 2 buildable baseplates.
• Have fun building your own LEGO® BrickHeadz characters, then share a selfie with your friends, family or colleagues.

• Mash up your own LEGO® BrickHeadz persona with other famous BrickHeadz characters, to create a super-cool hybrid version of yourself.

Fairytale Brownies- Mother’s Day Bar & Sprite Combo-

Nine sweet and buttery Fairytale Bars are paired with 12 enchanting flavors of snack-size Fairytale Sprites, then tucked inside our classic gift box and wrapped in a beautiful Happy Mother's Day gift band. Mom will love these I guarantee- ask a girl who loves them herself- ME!

HomeMedics Deep Soak Duo Footbath with Poweroll Massage-

Treat mom to the HoMedics® Deep Soak Duo Footbath With Poweroll Massage utilizes dual motorized rollers to provide kneading massage to soothe tired arches and soles. The 2-in-1 massager can be used for wet or dry foot massage, while the Heat Boost Power heats cold water in minutes and maintains temperature throughout. Plus the  acu-node surface provides a kneading massage to relax and revitalize her feet. She's going to feel pampered this Mothers Day with her very own home footbath thanks to Y-O-U!

Luxe by Mr. Bubble- 

Continuing to delight Moms every day, but especially on Mother’s Day! Indulge your mom with a guilt-free treat — a  ultra-moisturizing soak with cocoa and shea butter Meltaways Bath Candies. Infused with the delectable scents of Original Bubble or Sweet & Clean and enriched with nourishing vitamins E and C, the affordable bath time luxuries will leave your skin silky smooth and hydrated. A little me time is delicious, so go ahead and melt away. Meltaways retail starting at $8.99 at Target and ULTA Beauty.

And if large bath bombs are your mom’s jam, check out the Glam Bomb in Original Bubble featuring shimmering glitter and a pink color burst inside. Glow gorgeous with a touch of shea butter and blue color burst with the Beauty Bomb in Sweet & Clean. Retailing for $4.99 at Walgreens and, these bath bombs float, spin, swirl and put on a graceful, tub-time show.

Luxe by Mr. Bubble is offering two new gift sets – perfect for yourself or your mom who may be in dire need of a stress break. If one bath bomb won’t suffice, consider the You Are a Bombshell Gift Set. The set features four bombs in the decadent Sweet & Clean scent and retails for $15 at ULTA Beauty and

The Milk & Cookies Tub Time Retreat is another great option for Mom this Mother’s Day. It includes Splish Splash Moisturizing Milk Bubble Bath, which promises tons of moisturizing bubbles, and two nourishing Dunk & Fizz Cocoa & Shea Butter Cookie Bath Bombs. This sweet, three-piece set is available in the fun, signature scent of Original Bubble and retails for $10 at ULTA Beauty and on

**Watch this spot for more great gift giving ideas.

How to Save Money on Your Further Education

Wednesday, May 9, 2018

Education can be among the top four huge expenses we pay out in our lifetime, however, in the last few years more and more colleges are offering students the ability to learn online. If you aren’t sure exactly how learning online could save you money, then let’s take a look at some of the perks.

No travel. One of the big budget suckers is the cost of commuting. With all of your classes right there on the computer, you needn’t be hopping on multiple buses or subways to get to your chosen campus. You also won’t be paying out for parking or gas.

Coffees, sandwiches, hot lunches, late snacks. All of these are so tempting and let’s face it, who doesn’t get hungry during the day? It would be an inevitable cost sometimes – even the thriftiest among us have forgotten their lunch and flask on more than one occasion. Each refreshment stacks up and can make a big dent in what you are spending or save each week.

You won’t lose a single penny of the wages from your current job. If you were to take physical classes however, well, you’d need to be there in person. This would undoubtedly eat into the time you should be spending at work in order to cover your everyday living expenses. Online learning is much more flexible for those of us who need to work too.

Printer ink cost be gone! Printer ink can cost a small fortune when you have to print all of your work for hand ins. Even though you’ll still need to be writing essays, you will be submitting them via email or online portals. You’ll never run out of ink or paper, and if you do, it will have no impact on your learning or grades.

Many online courses have a similar tuition rate to the traditional classes, so you might not be saving money here – however, some do have offers running with discounts. You might be able to find some that are cheaper, but those will be schools that specialize in online learning.

If you are a returning student or have credits to use, then you can knock some of the cost straight off the course. Great for people who are hoping to return and top up their degrees.

Sometimes you might want to make a complete career change, and that often comes with a lot of questions while you are on your way to make that happen. So, this isn’t so much a financial saving – but rather a time saving one. You could choose to do business management masters degree distance learning and keep it to yourself till you’ve finished. While support from family and friends can be great, often around test or coursework hand-ins it can be an extra pressure that you don’t need.

When you are done with your distance learning, your earning potential and career ladder climbing potential will both be higher, meaning that over the long term you will be making more money too.
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