Many people across Canada believe owning a car is cheaper than taking public transit, but that might not always be the case. For most Canadians, owning a car is the second-biggest monthly expense for them. Transport typically takes about 20% of after-tax income for Canadians. When factoring depreciation of the vehicle, owning a car could cost thousands a year for the average Canadian. For rural Canadians, not owning a car may not even be possible. Driving on snowy country roads requires constant … [Read more...]

The cost of living for people has long been high. As long as people have enter the working sectors, they are strived and pushed boundaries to meet the costs of living. So bearing the cost of living is not a relatively new concept, but is being noticed is that there is a higher proportion of individuals and families that are entering the circle of debts & loans. According to a few studies, the costs of living have risen if compared to the times of older generations. For average families, … [Read more...]

Keeping your house in tip-top shape can sometimes be challenging. Having worked a long shift, made yourself a delicious meal and finally having the opportunity to plop onto the sofa and settle in for the evening, maintaining your home DIY is probably the last thing rotating around your mind. However, by allowing your home DIY to deteriorate, you’re putting your bank at risk by needing to fork out hundreds to restore your home. Even though payday loans UK, such as those provided by Wizzcash, … [Read more...]

Many people have certainly noticed how in the past few years, the rain patterns have changed and the climatic conditions have worsened. Because of these reasons, it has become critical for homeowners to plan for climatic changes by storing water in their own homes. The tighter restrictions and the rising costs of water are making it necessary for households to harvest 100,000L of water each year. Not only does this save people much money, but it also allows them to have all the water they need … [Read more...]

Being in sales can be a tough gig, especially if it is commission-only, so for those that are, it can take some hard selling in order for the consumer to open up the wallet and make a purchase.  Being as someone that typically does not like to be bothered when I’m out shopping, when the “can I help you?” is usually more of an annoyance than a help.  Whether you are shopping for clothes, car, house, or a watch, salespeople will likely surround you in order to close the deal, so you need to be … [Read more...]

There is a huge difference when it comes to being frugal and, well, just being cheap.  A frugal lifestyle means that you are cutting back on expenses in order to free up extra money, while being cheap just means you simply avoid spending money at all costs.  I can see cancelling cable and opting for streaming services as being frugal, as well as growing your own vegetables, and even having a rain barrel on the side of your house to collect rain water for free watering, and while that may also be … [Read more...]