Travel Hacking the Canadian Rockies

A four-night, four-star trip for next-to-nothing. I’ve been so eager to tell you how we took second-honeymoon style trip to the Canadian Rockies for pennies on the dollar.? We started travel hacking about 2 years ago and using points and miles has definitely helped with our travel game. After booking our trip to Australia last year, I had a bunch of American Airlines miles left.?? Reading Bryce’s blog about how to use the Fairmont VISA gave me an idea- I’d …

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How to make a budget

AKA: How to afford to do the things you want to do You can read lots and lots of financial advice. ?There are books and blogs and e-courses,oh my! ?However, we’ve found that truly the ONE thing you must have if you want to succeed financially is the dreaded B word- a BUDGET! The months when we get off track with our budget are the months that we lose sight of the big picture. ?Creating a budget gives you the …

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There’s Nothing Evil about Making Money

Dave Ramsey will often say, ?Money is amoral.? It is just a tool. ?It is neither evil or good. Can money be used for evil or good? ?Absolutely. ?However, the $20 bill in my wallet is not evil itself, ?it?s just sitting there waiting to be plucked out for groceries or the babysitter. Oftentimes the Bible is misquoted by folks that say, ?Money is the root of all evil.? Negative. ?The Bible says, ?For the LOVE of money is?a?root of …

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4 things I always buy at Aldi

Mr. Yoder Toter and I have always been frugal food shoppers, but having three children has added a dimension of buying things that we never did before. ?Whereas I used to eat the only bowl of cereal each morning, there are now 4 bowls of cereal. ?Or instead of using 4 pieces of bread for a sandwich, we’re up to 8 or 9. ?All of this change has prompted some?modifications to how I shop. Aldi has swept in and become …

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“You’ll always have a car payment.” (NOT!)

How to change your thinking and change your situation You don’t have to have a car payment!? In our consumerist culture we have been told, “You’ll always have to take out loans for college” and “You’ll always have a mortgage” and so we believe it. The truth is, you could pay yourself the car payment and then pay cash for a car.? Here’s how: Most Americans evaluate their finances only enough to know that the family can afford a $400/month, …

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Bad (Money) Habits

  Throughout the last year, I’ve been reading a lot about habits. ?It’s really fascinating why we do the things we do- whether it’s our purchases at the store or our bedtime routine. ?Moreso, habits are changeable! So what habits do we need to let go of when it comes to money? ?I’m personally sick of hearing to “give up your latte each day!” ?You mean a $4 Starbucks drink x 5 days a week is a bad investment? ?Duh. …

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