Debt Management

Saying goodbye to my mom

by Hope My mom is dying. It’s imminent. She has Parkinson’s along with a plethora of other health diagnosis. And my dad made the tough decision to enlist hospice just over a month ago after months of encouragement to do so by my siblings and I. He…

Holes In My Budget

In my last post, I wrote about the new budget my spouse and I are trying to follow. Things went well for a few weeks, but this week I’ve discovered a few holes in our budget that we need to plug.  Staycation Fund My older sister is…

The best way not to spend money – hasn’t changed!

You’ve probably noticed a trend in my posts. A lot of reflection and looking back. But one thing has not changed. The best way for me to save money ie have more to pay toward debt, is to stay home! The difference between then and now…is that…

Money Mindset – Still a work in progress

I have struggled with my relationship with money my entire life. It began as ignorance…seriously, I graduated from college, move to a big city (Chicago) and even bought a couple of cars and had absolutely no idea how money works. No clue that credits scores existed, never…

What Is Debt Consolidation and How Does It Work?

Dealing with debt can be an intimidating prospect for anyone. Even if you have a great annual salary, it can be surprisingly easy to start amassing uncontrollable debt that seems impossible to deal with.

A gift for me

Single mamas don’t get a lot of gifts. Don’t get me wrong, my kids have done their best to give me birthday and Christmas and Mother’s Day gifts. And I cherish those. But there is no one to round up the kids and supplement their money to…

A look back…7 years ago this month

by Hope I recently wrote about how different life is these days. And then this popped up in my Facebook memories. What a perfect example of how different my life is now. Phew, that look back just wears me out. How did I do all that? The…

Vacation on a Dime

Over the years, my mindset has shifted a bit in regard to my thoughts about debt payoff. While I was once full hair-on-fire extreme to the extent that I made my own baby wipes and re-used bath water to water household plants, I’m now more moderate and…

Car Trouble and Tightening My Belt

Have you ever had car trouble in a rural area where Uber doesn’t exist? I just did a few weeks ago, and it was an extremely stressful and expensive experience!  A Very Expensive Day My spouse and I were driving into town to get some groceries at…

The Importance of Building Credit as a Newcomer to Canada

As the Senior Education Facilitator here at Credit Canada, I often speak to groups of Newcomers to Canada on various topics related to personal finances, and one topic that always needs to be covered is credit, and credit-building in a new country. I’ve regularly encountered people who…