Author: Phil B There’s an ongoing debate in our household about our daughter, K.B., getting a credit card. While the decision is ultimately hers, the discussion revealed that my husband and I have very different philosophies about young people and credit cards. Here is Phil’s perspective, stay tuned from my rebuttal next week: Earlier this … [Read more...] about He Said, She Said: Why our Kid Doesn’t Need a Credit Card
Emergency Fund
How to Recession-Proof Your Retirement Savings*
This is not a post about how to recession proof your investments. That's a different blog post. So. Retirement planning. Yeah. I really need to get on that. Don’t get me wrong, I have a defined benefit pension plan that will happily pay out a percentage of my yearly working wage until the day I die. The only thing I have to do is work for … [Read more...] about How to Recession-Proof Your Retirement Savings*
It ain’t over til it’s over
Winter in Canada is a never truly over. It's never predictable and it can't be planned for with any degree of accuracy. Observe the stages of winter: You think it's over, right? How could there possibly be anymore effing winter? But there's more. And then it's May, right? All the crappy weather should be over by now. Winter … [Read more...] about It ain’t over til it’s over
Year 2014, New Year’s Revolution!
It’s a New Year’s resolution revolution! Cheezy title? Completely. But it’s a year of new beginnings. And not just because it’s January. First, a little history: For the past year and half, we have been living with a very difficult family situation. It wasn’t the kind of thing we could solve, influence, avoid, or move along more quickly. It … [Read more...] about Year 2014, New Year’s Revolution!
Weekly Spending Money Update: April 15 – 21
Spending Money Update: Debt Progress Happy Sunday Cent’sers! I am happy to give my spending money update this week because we were able to pay off one of our expensive debts this week with our last payment of $2700.00! This is a great weight off my shoulders and I am now able to focus my energies towards some of my other debts. I also paid some … [Read more...] about Weekly Spending Money Update: April 15 – 21