And why I don’t even have Netflix.
As consumers, we are over-contracted with pay-for-service subscriptions these days. Such as:
- Fitness clubs
- Home phone (ha!)
- Cell phone
- Home internet
- Cable television
- Banking plans (technically not a subscription service… but it kind of is, right?)
- Amazon Prime
- Sirius XM Radio
- Insurance Plans
- Software Plans
Continue reading “Oversubscribed”
Bad things happen. Best be prepared.
I have lived most of my life on financial edge. First it was school, then it was contract jobs. There was never a moment of financial stability until about 2 years ago when I transitioned into full-time employment.
In that time between steady job and what felt like drifting, I was a hoarder. I’d save as much as my pay check as I could and stick it in a savings account, watching it grow a measly 0.5% at the time (this is pre-discovery of Tangerine and EQ Bank). My savings allocations were basically 100% emergency fund, 0% investments.
Continue reading “Savings accounts & investment accounts – what’s the right balance?”
In addition to killing us.
Things are so darn easy these days – in fact, now more than ever can we humans be ultra productive with our time. Take this bread maker for instance, which my girlfriend and I bought for her mother for Christmas.
Your first reaction might be: “Holy f***! A $400 bread maker?!” Rest assured, there was aggressive couponing involved and a strong sentiment behind the gift. My girlfriend’s mother is now alone since the passing of her husband, loves to make bread, and can now make 10 loaves in the time it would have taken her to make 2 loaves. She gets to pursue her passion with the top of the line device while my girlfriend and I get more bread. Win-win, right?
Continue reading “Laziness is costing us money.”