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Buy It For Life: Are Quality Products Worth the Investment?

Buy It For Life: Are Quality Products Worth the Investment?

"Oh, I totally get it! BIFL!" my friend said.

As I read the transcript, I asked the question: "BIFL? What does that mean?"

"Buy It For Life," was the answer I received in the chat window.

This was the first time I had ever heard the formalized construct of buying something that was higher quality in the hopes that it would last longer, but it was actually something I had considered for quite some time.

I think my awareness of this issue first came at a very early age.

One day in elementary school, we were introduced to the concept of sweatshops. At that young age, I felt that buying products that were produced in substandard conditions to be sold to consumers for a cheap price was wrong.

As I reflect on this many years later, I also consider the aspect of transactional costs:

What is the real cost of getting things cheap? Keep reading » about Buy It For Life: Are Quality Products Worth the Investment?

Grow Your Garden and Your Savings With These DIY Gardening Tips

Grow Your Garden and Your Savings With These DIY Gardening Tips

One of my first and best childhood memories took place in my parent’s garden.

I was chewing on green onions and pulling up radishes, trying to convince the girl next door that this was a good idea.

Today, I consider myself lucky that my parents kept up their gardening hobby. My parents pretty much fed our entire family (and then some!) with what they pulled out from the ground.

Gardening is hard work, but it’s also highly rewarding. And it’s not all toiling in the sun – it can be a very meditative and social experience if you so choose.

It can also help cut down the monthly grocery bill during the summer. Keep reading » about Grow Your Garden and Your Savings With These DIY Gardening Tips

Mulling Over Mowers: A Comparison of Gas, Electric and Push Lawn Mowers

Mulling Over Mowers: A Comparison of Gas, Electric and Push Lawn MowersAt the end of October last year, while blissfully in the middle of my final mow of the season, my lawn mower hit a large stone.

It sputtered, yelped and stopped.

I rolled my mower back into the shop and borrowed my neighbour’s to finish up, knowing that mine had given me eight good years and likely couldn’t be fixed.

So when Spring came around, I knew I was going mower shopping before the grass got too long. Being frugal, curious, and wanting to turn a new mower into potential household savings

...I began calculating what my annual costs are for mowing my lawn.

I did a comparison of my lawn mower options, from gas to cordless electric, and here’s what I discovered:

Not all lawn mowers are made the same

Keep reading » about Mulling Over Mowers: A Comparison of Gas, Electric and Push Lawn Mowers

Don’t Gamble With Online Shopping: How to Get It Right The First Time

Don’t Gamble With Online Shopping: How to Get It Right The First Time

These days, online shopping is so mainstream that almost anything can be purchased at the click of a button – from groceries to cars, and even pets.

Sometimes buying certain items such as electronics or clothes can seem like a gamble since you can’t test the product or try it on before purchasing.

However, with the right search forums and reviews, you can gather enough information to make an educated decision and feel confident about making your purchase. At the very least, most products can still be easily returned even when purchased online.

But whatever is on your shopping list, make sure to follow these tips before clicking the checkout button: Keep reading » about Don’t Gamble With Online Shopping: How to Get It Right The First Time

My 5 Principles for Collecting 100 Air Miles Per Visit To Sobeys

My 5 Principles for Collecting 100 Air Miles Per Visit To Sobeys

Most people have a preferred loyalty program.

Whether it’s Aeroplan, Shoppers Optimum, Canadian Tire Money…the options are endless.

But the one loyalty program I’ve had the most success with is Air Miles.

I’m a teacher by trade, and one day, I was having a staff-room conversation about credit cards and loyalty points.

Air Miles came up and a fellow teacher said, "I never use Air Miles. I have the card, but I can’t get any miles to earn anything. You don’t get enough reward miles to make a difference."

I had to smile and tell her: "In the past three years, I have collected enough Air Miles to redeem a four-day trip to New York (flights and hotel included), an electric snowblower, a raised tomato planter, several nights at hotels in my local city, and a bunch of movie tickets."

The truth is: You can earn Air Miles quickly to get great dream and cash rewards. Keep reading » about My 5 Principles for Collecting 100 Air Miles Per Visit To Sobeys

How To Consign Like A Boss: 12 Ideas to Maximize Your Profits and Savings

How To Consign Like A Boss: 12 Ideas to Maximize Your Profits and Savings

Thrift shops. Second hand stores. Garage sales.

When it comes to saving money, buying used and second-hand items are the smart saver’s bread and butter.

A great way to not only save, but EARN a bit of extra cash is through the world of consignment.

Like a thrift store, pre-loved goods are resold at a fraction of the price they were purchased for.

However, unlike thrift stores, consignment stores pay the seller for their goods.

There are various types of consignment businesses ranging from children’s clothing and gear, to sportswear and household goods. So take a look through your closet, declutter and trade in your forgotten-about items for quick cash. Keep reading » about How To Consign Like A Boss: 12 Ideas to Maximize Your Profits and Savings

How Your Money Personality Builds (And Destroys!) Your Wealth

How Your Money Personality Builds (And Destroys!) Your Wealth

Do you know what your money personality is?

I’m not simply talking about whether you’re a spender or saver. There are nuances between these two types of behaviors and seasons where you might experience each of the money personalities.

For instance, of the five personalities:

...I'm currently a Social Spender. Whether it’s a friend’s birthday or a family vacation, I enjoy spending money on and with people.

As altruistic as this sounds, it can wreak havoc on a budget. I can justify almost any expense so long as I am doing it "for the greater good."

But I wasn’t always a social spender. My personality has evolved over time and it still oscillates between a few different types.

Learn about the five different types of money personalities and see if you fall into any of these categories. Keep reading » about How Your Money Personality Builds (And Destroys!) Your Wealth

Are You Too Generous With Your Tips?

Are you too generous with your tips?

I’m a very thankful person.

So when I go out for dinner or get a haircut and receive good service, I tip.

In fact, I can’t remember a time when I was so offended by a service, I didn’t tip.

In today’s world, tipping has become standard practice in the service industry. And while there are many tools that can help eliminate the stress when trying to figure out the math, such as a tip calculator, the question remains:

How much should you tip? Keep reading » about Are You Too Generous With Your Tips?

Free Coffee Rewards: A Review of Starbucks, McDonald’s McCafe and Tim Hortons Loyalty Programs

Free Coffee Rewards: A Review of Starbucks, McDonald’s McCafe and Tim Hortons Loyalty Programs

Getting free stuff can be a high for some of us, especially when it comes to food and drink.

Because who can resist getting a tall, skinny, non-fat mocha with extra whip – all for free?

And to get the most free coffee, let’s do a comparison of the top 3 food and drinks rewards in Canada:

Three different fast food reward programs...But which gives you the most cuppa?

The Skinny on Starbucks Rewards

Keep reading » about Free Coffee Rewards: A Review of Starbucks, McDonald’s McCafe and Tim Hortons Loyalty Programs

Tasty Recipes That Won't Break The Bank

Tasty Recipes That Won't Break The Bank

Eating delicious, nutritious and filling foods don’t have to cost you a fortune...

Even if your tastes are more refined (read: picky) ‒ or you prefer to eat out ‒ it’s possible to find homemade recipes that satisfy both your hunger and wallet.

Because as long as you’re willing to do a bit of planning and cook most meals at home, then you’re bound to have money leftover to spend on a few meals out at the end of the month.

Embrace The Meal Plan

Keep reading » about Tasty Recipes That Won't Break The Bank

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