Raggedly Rich

Canadian Finances, Musings, and Art

Category: Finances (page 1 of 4)

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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Your Financial Story Arc: Retirement

What’s plot got to do with personal finance? Everyone’s financial journey resembles a story arc, complete with plot twists, plot holes, drama, and conflict. We’ve gone through how to start earning money, and some tips for that. And there was a post on building net-worth, and the steps in accomplishing that. Now we’re going to talk about retirement, and how to figure out where that climax of your financial story arc is.

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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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The Basics You Need to Know to Use Credit Cards Effectively

There’s a lot of different resources out there dedicated to telling you what kind of credit card would be the best kind of credit card for you. And there’s also a lot of people who have different opinions on them – but I think most personal finance bloggers I know agree on this principle:

Take advantage of credit card points and savings, but only if you’re going to use your credit cards like a debit card.

That means, at the end of every billing cycling, you pay off the entire balance of your credit card, no exceptions.

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Guest Post: Ways To Save Money By Managing Expenses Proactively Instead of Reactively

I’m over on The Frugal Farmer this week, with a guest post about how you can save money by managing expenses proactively, instead of reactively.

Mosey on over and check it out!

Ways To Save Money By Managing Expenses Proactively Instead of Reactively

my full day of snacks and food for 10+ hours in a car alone

I put a lot of time and effort into proactive actions and solutions. For some people, it’s not second nature, but there are steps you can take to help take the stress of the unexpected off your shoulders!

Thinking ahead is good for your finances, for your wallet, and for your peace of mind.

Do you fall on the reactive, or the proactive side of things?

The Vortex of Comparison And How To Avoid It

There’s a vortex that’s trying to suck all of us in, and it’s called comparison. And it’s got a really good friend called perspective that’ll sometimes let you wander to the edge of that vortex. When perspective decides to take a hike, comparison swishes on in and decides to take you out for a ride – and not the good kind.

Comparison is the death of individuality, and the beginnings of the slippery slope of dissatisfaction.

You can’t use other peoples lives as a reflection of the milestones in your own – we each have our own yardstick, and to measure one with a yardstick that is not unique to them is lunacy.

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Where to Find the Cheapest Photo Printing in Canada

With all the recent life-events happening with my family, we’ve got a couple photos we need to print out. I headed down to Superstore to do some instant-prints — BUT THEY DON’T DO THAT ANYMORE.

The age of mountains of physical pictures is leaving us. The Internet and online storage / Facebook / Instagram has replaced traditional photo albums with instant and widespread access – but there are still some things that a physical picture is nice for. But what place gives you the best bang for your buck? I took a look to find where the cheapest photo printing was in Canada.

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Your Financial Story Arc: Building Net-Worth

Okay, so you’ve figured out the first part of your financial story arc – earning money. Now what?

Step 2 is, you gotta build some net-worth. How do you do that? There’s five things I always consider when I’m thinking about building net-worth:

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