Loonie Sue

my road to financial independence - one loonie at a time

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Tales of a wannabe frugal mom (me)

Funny little story for you all today…

Last month, I was scouring my favourite money blogs for tips on how to save money on back to school shopping. In keeping with this particular post from The Simple Dollar, I did not buy new outfits for our three kids to wear on their first day of school.* And here’s how school day numero uno went down with our 7yo son…

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Clutter, clutter and more clutter

“The more you own, the more it owns you” – Henry Rollins

I’ve come across this list of clutter statistics often over the last few years, and yet, it continues to shock me.  We North Americans really have perfected the art of consuming (eye roll).

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2017 financial goals – summer update

Well, THAT, my friends, was an amazing summa!!  Hot, hot, hot, and no mosquitoes! Glorious! So glorious, in fact, that I haven’t posted here ONCE since my June goals update! Yikes.  Well, here I am now with a 2-for-1 post – that’s right, might as well update both July and August in one post (if that’s not efficiency, I don’t know what is).  Here we go!

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2017 financial goals – June update

So, I’m a bit late with my monthly update… what can I say, it’s summer and I was sunnin’ my a** on a beach all of last week!  In fact, hubby and kids are still there which is why I’m able to pound out a few posts today (finally)!

On another note, 6 months have flown by already, so now’s the perfect time to see if I’m at least halfway to my goals or not… Here we go!

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Becoming mortgage-free sooner

I’ve mentioned before that our mortgage is currently our only debt. And I want that last debt GONE. One way to eliminate it might be to downsize our home, but unless I can get hubby on board (not gonna happen!), we’ll just have to focus on repaying our mortgage as quickly as we can. Below is a list of strategies we’re using to help us reach that goal.

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Crockpot Yogurt (Crogurt?!)

Ok, so recently I mentioned making yogurt, and messages starting pouring in (well, trickling in, but whatevs) asking for my recipe, so here it is…

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2017 financial goals – May update

Holy crap, the year is flying by!  Already the spring sports are winding down, there are only a few weeks left of school for the kids, and our summer plans are firming up (it’s shaping up to be epic!!).  On that note, here’s another update!!

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Easy Money – Random Saving Tips #1

I’m sure this will be shocking to you all (wink), but I get a thrill out of saving money.  Especially when it only entails a minor change in habits, or even better, when I wasn’t even trying to save money in the first place!  Here are some random examples from my life…

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Inflate your income, not your lifestyle

There are only 2 ways to get ahead financially – make more money or spend less.  Ideally, you do both.  This post deals with the ‘make more’ side of things.  More specifically, pay raises.

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Livin’ on the edge

Last week, I came across this Global News article. It’s an interesting – yet scary – read about the ability (or lack thereof) of Canadians to make ends meet. And yet, this is hardly ‘news’. Just google ‘living paycheque to paycheque’ to see just how pervasive the problem is in Canada and the US. Clearly, we North Americans have serious issues managing our finances. But why is that? Those with opinions on the matter generally fall into one of two camps:

Camp 1

It all comes down to needs vs wants. And owning a newer car and a large house, taking annual exotic vacations, having the latest gadgets and smart phones and $100/month cable TV plans, eating out 5 meals a week, etc. are not ‘needs’. Just spend less than you make, whatever that amount is, and you’ll be fine.

Camp 2

It isn’t possible to ‘live within your means’ when wages have been declining for the past few decades, and the cost of living keeps going up. If wages can’t even cover rent or mortgage payments, utilities, groceries, gas, etc., what’s a person to do?!

What do you think??

LS

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