“Chains of habit are too light to be felt until they are too heavy to be broken.” -Warren Buffett

In the Kitchen: Chili and Muffins, two of our fav ways to save!

One of the biggest variable areas of our budget (that quickly gets out of control) is food spending.  We want to purchase and eat food that nourishes our bodies, improves our health and tastes delicious. 

I shop almost exclusively with PC Express (use my PC Insiders code for a discount for signing up: AE1629). This is the easiest way for me to compare unit pricing as I shop, take time to consider what I actually need and virtually remove impulse buys.  It also allows me to easily stick to a budget because I can see in front of my eyes a running total and adjust my meal planning/grocery list if I find we are going over my planned spending.  It also allows us to add to the grocery order throughout the week as we remember items we need, and checkout at a time I'm already out for something else.  It fits in beautifully around our life, and saves me over an hour a week that I used to spend walking the aisles of the grocery store. 

Our solar experience!

I've had a number of requests to share about our solar system and experience with "going solar".  We installed in June 2019 but weren't fully operational from a metering perspective until July.  We live in what is likely our "forever" home.  Which means we have no plans to leave, and life would have to take a very unexpected turn for that to happen.  So we've invested heavily in making it our dream house.  We installed our pool in 2018, tore down and built a new shed, have brought in fill, ripped down a wall, and so on.  We are making it ours.

Kids Bank Accounts

Today I'm writing about kids banking! Do you have a bank account for your child(ren)? If so, what do you love or hate about it? I feel like we are getting closer to needing them but so far the kids each just have "accounts" on the Rooster Money app.

2020 Net Worth Update #1

We've decided to forego actual numbers and share about our net worth in percentage terms. We want to share in an effort to open up conversations about money, but for now this is the approach we're most comfortable with.  So, here we go!

We hold the majority of our fixed assets in our home and vehicles.  Following that, we have a large portion in a defined benefit pension which will provide the majority of our income when I retire (likely at 55) for the rest of my life.  We also have a significant amount in Justin's work RRSPs, including an account funded by his employer.  We don't consider any of these amounts as money as we have access to as most would be very difficult to access before retirement and have significant tax implications.

Thrifting for Kids Clothes

One of my favourite ways to save money while raising 2 growing girls with very different tastes and needs is via thrift shopping for their clothes.

This is an obvious plus from a financial standpoint, as well as the reduced environmental impact.  When something gets ruined, as inevitably happens, I don't feel like I need to worry about how much I spent on it.  We make it into rags or another project and move on.