Raggedly Rich

Canadian Finances, Musings, and Art

Month: September 2017

Fighting Off Fall – 10 Frugal Fips and Fricks

Summer has ended with the subtly of a 50 car pile-up on the highway, and I’ve gone from sweating to cold toes in the span of three days.

I’m not happy.

As much as I like cozying up to the fire with some tea (or coffee) and an engrossing book, cold itself is inconvenient and makes my extremities feel weird – or numb, if we’re being dramatic.

There’s a few things you can do to fight off the chill, and fight off the impulse to start happy-spending. It’s not Christmas yet folks, despite what Costco and store inventory is telling you!

10 Ways To Fight Off Fall (Especially in Canada)

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Questions to Ask When Finding a Place to Stay Abroad, Part 2

Didn’t think there’d be any more stuff? Guess again!!

I went over a few things previously, but there’s so much to take into consideration. Some of this is getting into super nitty-gritty detail, and it really depends on whether or not these things would affect you. Everyone’s got their own style of what can be raggedly rich, and what can’t, and only you know what that is.

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A B C’s of Emergency Personal Finance First Aid

Can the principles of Emergency First Aid be relevant to personal finance? Hell yes! And how is that you ask?

(Immediate side note: I challenge everyone to find something I can’t relate to personal finance!)

The principles apply because in Emergency First Aid, the goal is to keep things simple, and literally not make the situation worse.

Disclosure: I’m not a medical professional. I’m not a Emergency First Aid professional. Using this post as your sole foundation for Emergency First Aid is like me using the real Emergency First Aid class to practise like Dr. House. Furthermore, the specifics of Emergency First Aid will vary depending on where you are and what your skills and training are. This is not a real first aid course, it’s an application of emergency first aid principles to personal finance. 

Now that that’s out of the way (seriously, call 911 or your equivalent if there’s a real medical emergency!!), here’s a rundown of the A B C’s of Emergency First Aid (in my province):

  1. Airway
  2. Breathing
  3. Circulation (meaning blood)

And the corresponding A B C’s of Emergency Financial First Aid:

  1. Assess
  2. Budget
  3. Commit

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Frugal Save Funday – A Semi-Frugal 44 Days In Review

My last frugal save update was… on July 21 (Thrifty Krispies & Warranty). It’s been a while! The past month has been a rollercoaster of productivity and lack of productivity, the gruelling contract that inspired the 5-Step Guide to Clawing Your Way Back From Devastation and Heartbreak. I also had a cold right before that contract started, which made life difficult, but didn’t knock me out like colds usually do.

It didn’t take me as long as it usually does to bounce out of funks, and I find myself slipping back into the groove of things I’d established before my three-week contract quashed any and all zeal for life. I also realized that I can’t do it all under those circumstances – my general creativity and productivity are tied closely to my mental health state, and I’m trying to find strategies that’ll distance the two a little.

Was this a frugal 44 days for me? Sort-of.

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