This website aims to provide you with the information needed to shift your financial paradigm to become more conscious of your personal finances and intentional with your spending.

  • Enjoy your City

    Growing up in a northern Canadian city, adventurous and outdoor lifestyles are very common. Many try to escape the city on weekends to partake in outdoor activities like going to a recreational property (lake house, cottage, cabin) camping, hunting, operating off-road vehicles, etc. I was raised in this way and…

  • Rethink Gift Giving

    In a recent four-year period, my household spent on average $3,491 on gifts per year, and keep in mind that we don’t have any children. I know this because I track my spending – visit my Track Speding post to learn how. I am providing my average spending because I…

  • Automobile Needs

    At 20 years old, I had a daily commute of 100 km to and from my office. I had convinced myself that my lifestyle including many outdoor hobbies, necessitated a pickup truck. I purchased a V8 Ford F-150 with oversized tires. It was a very ‘cool’ vehicle for someone who…

  • ‘Minor Asset’ Log

    Items you possess with current liquid (realistic) values between $100 to $2,000 should be tracked on a Minor Asset Log. To create the list, I suggest spending time walking through your home and identifying items that you feel you could realistically sell for over $100 if you needed to and…

  • Track Spending

    One of the most important aspects of personal finance is simply tracking your finances. There are three key things that you should track: all spending (monthly), your net worth (yearly), and your minor assets (yearly). To be successful in personal finance, you must know where your money is coming from,…

  • Net Worth

    Your Net Worth is an important measure of your financial situation. Net worth is not concerned with your income, your expenses, or your budget – it simply looks at what you own (asset value) and who you owe money to (liabilities). When you subtract the sum of your liabilities from…

  • Automobile Depreciation

    Brand new cars will lose 20% of their value in the first year of ownership, and 60% in the first 5 years (Ramsay Solutions, 2023). This means that a car worth $40,000 will be worth $32,000 after one year and $16,000 after 5 years of normal use. In this case,…

  • Automobile Affordability

    Affordability is an interesting term; what does it mean exactly? Does “affording” something mean that you can pay for it with cash, or does it mean that you should be able to pay for the item twice (as Jay-Z famously said) – or does it mean that you have enough…

  • The Cost of Car Ownership

    Automobiles are a necessity in most North American cities due to their sprawling characteristics making it almost impossible for cities to develop mass public transit networks that service the low-density urban neighborhoods. If you live in an area offering public transportation – take advantage of it! As I will show…

  • Credit Cards

    I like credit cards, but they are not for everyone, and people should be aware of the dangers of using them to avoid unnecessary hardship. I only recommend credit card use if you can follow these guidelines: If you stick to the above guidelines as I have, your credit card…

  • Healthy & Wealthy

    Two things that every human should want are to be healthy and to have financial prosperity. Have you ever considered that these goals can work together to uplift one another? Here are some examples. Cook your own meals instead of going to restaurants to eat healthier and save money. Replace…

  • Minimalism

    Minimalism refers to minimizing your consumption of things in your life to items that add value. It is a utilitarian perspective that lends itself well to financial goals. I consider myself a minimalist, however, you will not find me living in a tiny home or with only three clothing items…