The Struggle is Real Do you make less money than other people who do the same work as you? If so, then you may be a victim of beauty discrimination, which is a serious matter, and affects millions of ugly people around the world. According to an article from nydailynews.com, “Handsome men earn, on average, 5 percent more than… Read More »
There are certain lending rules that banks are expected to follow when they approve someone for a mortgage. In Canada, the lending rules are… 1) No more than 32% of our gross income can go towards housing related expenses like mortgage, heating, property tax, etc.. 2) No more than 40% of our gross income can to towards making… Read More »
Last week I wrote about how people spend over $3,000 a year on impulse shopping. If we wish to spend less money and time, but still add value to what we purchase we have to understand how the passing of time will affect our perceptions of what we buy. Maybe you’re smart and are already doing this (^_^) But did you… Read More »
According to a Bank of Montreal study, impulse shopping cost Canadians $3,720 a year. These can be any kind of purchases like clothes, knickknacks, or food. That amounts to $310 a month being spent on items that are wanted, but not needed. More than half of the people surveyed actually bought something they might not need because it was simply on sale. For… Read More »
Affordability doesn’t always mean cheap vs expensive prices. If a gallon of milk is cheaper in the US than in Canada that doesn’t automatically mean milk is more affordable for Americans, although in this case that does seem to be true (>_<) What I mean though is that affordability can also refer to our purchasing power in a local economy.… Read More »
Buying second hand items may not be everyone’s cup of tea, but for the frugal minded it is a great way to save money and still get what you want. But what’s even better than getting used items at a discount, is getting them for free, and there are sites which will let you find freebies online. I… Read More »