Raggedly Rich

Canadian Finances, Musings, and Art

Category: Lifestyle (page 1 of 3)

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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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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Frugal Save Friday: Thrifty Krispies & Warranty

We made Rice Krispie square bars this week, and despite my Mum’s claims that I was being ridiculous, I pulled out the weighing-thing, and did some number-crunching for you folks. They’re not at all healthy (though they are amazingly delicious) – and they’re lighter on the wallet than I thought!

let the mathing commence

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Why You Need to Tackle Debt: Financial Lessons from Hamilton

“If we assume the debts, the union gets a new line of credit –
a financial diuretic. How do you not get it?
If we’re aggressive and competitive, the union gets a boost.
You’d rather give it a sedative?”

Cabinet Battle #1, Hamilton OBC

if you don’t have it yet, get it! – this is an affiliate link to Amazon

What’s Alexander Hamilton talking about here? Consolidating debt, and how that would benefit the union (aka you, if this was a metaphor).

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Guest Post; Biking for Dummies: Street Basics

I had a guest post over at The Frugal Gene today!

Hop, run, skip — or BIKE over, and check it out!!

Lily makes the best graphics

I spend my fair share of time on a bike during contracts, and I’ve collected a series of tips and tricks I use on those daily commutes.

It’s not as hard as you might think it is. Head on over whether you’re a beginning or an expert (and stay for the blog!).

Why You Shouldn’t Fall For False Advertising, feat. the North American House Hippo

There’re two PSA’s in Canada I remember growing up with, with the utmost fondness.

The first one is ‘Don’t You Put It In Your Mouth’, the words to which every 20-something Canadian child should know the chorus to. “You could get sick (ick!) – real quick! (ICK!) – real sick, real ICK!”

The second is the famous to Canada ‘North American House Hippo’, a PSA that came out in the 90s to help children realize that false advertising was something that happened, and to help them understand that you couldn’t believe everything you saw on television, no matter how real it looked.

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Your Financial Story Arc: Earning Money

Part 1 of Your Financial Story Arc: Earning Money

Your finances mimic the rise and fall of a story arc – exposition becomes earning money, rising action becomes building net-worth, the climax is your retirement, the falling action is retirement withdrawals, and the conclusion, is, well, death.

financial story arc to the rescue!

Since the initial post on this didn’t really delve into the topics in detail, I’m publishing a four-part series to tackle the concepts in greater depth.

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