Raggedly Rich

Canadian Finances, Musings, and Art

Category: Do-It-Yourself (page 1 of 2)

DIY Round Up – Dash Cams, Motorcycles & Pizza Do’h

Funny story – two summer’s ago my Dad tried to ‘fix’ the weeds in the grass by spraying it with weedkiller… using the reference picture above, you’ve got one guess to figure out exactly how that went. Turns out, ‘weedkiller’ was actually ‘killex’, which is much less discriminatory with what it kills. It only took two weeks for our grass to shrivel into yellow straw, but thankfully it didn’t kill the tree in the front yard.

The lesson in this? There are things you can do yourself, and things that you… can’t. Here’s a couple things that didn’t explode or die after we used the tried and true google and youtube methods!

While I definitely don’t suggest tackling things yourself that you’re not comfortable doing (I, say, would never attempt to do my own makeup, because that would be a disaster if I could actually manage to get makeup tool to face – I’m a blinker and an unconscious ‘moving away from you slowly because I’m terrified’ type of person), there’s nothing wrong with taking a whack at something you might think will be within your abilities.

I’ve got three DIY projects that were accomplished to varying success (the pizza was delicious the last time, I swear).

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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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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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Questions to Ask When Finding a Place to Stay Abroad

Ah, travel. Be it extended, short, for vacation, or a few weeks or a couple months, it’s always an adjustment.

What to expect? You never really know how a place is going to be until you get there / have been there before, but there’s a lot of things you can think about proactively that’ll make the experience less surprising, and less stressful. And, likely, marginally more enjoyable, if you’re adverse to unpleasant surprises, like I am. Though, if you’re less anal and particular than I am, you’ll probably find the experience easier anyways.

Here’s some questions Ms. Raggedly Rich always asks when subletting / renting / being billeted:

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How To Get Ahead Working Smarter, and Not Harder

Work smarter, not harder. 

I was chatting with a friend the other day, and he said those words when we were talking about our work lives. I can’t remember exactly what we were talking about, but I know it had something to do with my constant surprise with how low the bar was set for productivity in the workplaces I’ve been in. To which he responded: “That’s because we know how to work smarter, not harder.” 

And he’s right – ish. I’m by no means an expert at it, but I do make an effort to work smarter, and be more efficient in what I’m doing. And I think that’s a really important perspective to have for anyone in a workplace. We all have finite time in our days, and in our lives, so putting that time to the best use possible is paramount.

There are benefits to working smarter and not harder too:

  • Getting more done in less time
  • Expending less energy to get those things done
  • The self-satisfaction that comes with those accomplishments
  • Being seen as efficient and effective in the workplace

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Frugal Save Friday – Clean Cars and Emulating Habits

This week I took on a task I’ve been neglecting for over a year – cleaning the inside of my car. I know it’s been over a year, because the last time I cleaned it must have been some time before the contract I had prior to my Euro-trip from Hell, which was last March (2016). I only had a week between the end of the contract and my flight to Glasgow, and after I came back… well, it took over 4 months to be able to walk without an Air-cast or crutches, and 3-4 months after that to be able to walk with a normal(ish) range of motion.

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The Key to Exercising Consistently on a Budget and Staying Healthy

I’ve spent the past four days this weekend on vacation, indulging in gluttony, enjoying some delicious, new-to-me food (first official taco – checkmark!) – and so I figured, what can I post about, other than how I counter the act of stuffing myself. So, here goes!

The raggedly rich way to exercise on a budget is to be honest with yourself about what you’d like to do, what you’re going to do, and how you can afford to do it. I find exercise to be key in staying healthy and happy, and you can definitely do it on a budget. My go to’s are: ice hockey, yoga / stretching, and hiking.

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Start Taking Full Advantage of Your Public Libraries Right Now!

For a minimal (or a non-existent, in my case) fee, you can enjoy the plethora of treasures that the local library has to offer. I love my library, and I’m keen to start using it to its fullest potential; for instance, I had no idea I could get the latest blockbuster from my library. Here’s a breakdown of what you can expect from most public libraries:

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How To Overcome Investment Fear and Buy Stocks with the Toe-Dipping Method

Here’s my advice: dip your toe into the market with $1,000 – $3,000, whatever you’re comfortable with. Try it for a year, and re-evaluate how you feel.

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The Importance of Goals in Life (And Why You Should Have Them)

Goals and ambitions (should) provide a sense of direction and purpose.

They don’t have to be writ in stone and uncompromising, but a clear idea of where to go is something I couldn’t live without.

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