Perception

Peter's picture

The Power Of "F-You Money"

Even if you don't love your job, even if you only go in each day to keep that paycheck coming in each week, even if there is no end in sight, there is one thing that can help make your daily grind more bearable. That thing is 'F-You Money.' And it really works!  ... read more of this story»

Peter's picture

Harnessing Habits: Taking The Hard Work Out Of Personal Finance

Personal finance can be a difficult topic for lots of us. It can be tough to remember to take some time each month to track our income and expenses. It isn't easy to reduce our unnecessary spending. Making a lunch each morning seems so much more difficult than just dropping by the local deli for a sandwich.

The trick to making all this stuff easy lies in our ability to turn them into habits. Habits can be powerful allies on our road to early retirement. Let's see how.  ... read more of this story»

Peter's picture

Surprisingly High Salaries

Did you know that the salaries of all Ontario public sector employees earning over $100,000 are disclosed to the general public? I only recently discovered this. After doing some quick searching, I also discovered a couple of other things that surprised me:

  • There are a lot of people receiving very high salaries paid using public funds
  • There are a few professions which are stereotypically underpaid, yet have a strong contingent of members each earning over $100,000 annually.

Let's take a closer look at what I discovered and what I think we should take away from it all.  ... read more of this story»

Peter's picture

Standing An Expense On Its Head

A great trick that I frequently use to get my frugal juices flowing is to look at my expenses in a different light. I've written before about seeing unnecessary expenses as potential income. Recently, however, I've come up with an even better perspective shifting trick that really hammers home the power of saving ... especially on those recurring monthly expenses. Let's see how we can get our savings to pay us dividends!  ... read more of this story»

Peter's picture

Elephants & Why We Get Ourselves Into Such Terrible Financial Messes

If you are like most people, myself included, you probably consider yourself to be of average or above average intelligence. If that were true, we should be able to make good decisions most of the time. If we made good decisions most of the time, we should be, for the most part, quite successful. Sometimes, however, it seems like we aren't as successful as we ought to be. Sometimes, we can be completely and utterly unsuccessful. We make horrible decisions. We get ourselves into huge financial messes. We're unhappy. We feel trapped.

So, the question is: If we're all so damn smart, how come we suck so much? Elephants, that's why.  ... read more of this story»

Peter's picture

My Money Saving Tip: Computers & Games

I really like computers. I love to play computer games. I also like to save money. This is not an ideal combination of wants and desires. If you've ever compared computer prices, you'll have seen that the "Gamer PC" is almost always the most expensive by far. I've got a new policy though that allows me to regularly upgrade to a way better machine and play new games, but I only pay a fraction of the price. I'll let you in on my secret.  ... read more of this story»

Peter's picture

Simplify By Harnessing Your Urge To Get Ahead

It is difficult to maintain a simple lifestyle when we are surrounded by others who don't. It is tough not to get the latest and greatest when everyone else is getting it. It can be one of the hardest aspects of getting started with simplification in your life and can sometimes cause you to give up. Our desire to compete with others and to compare our situation with others is deeply rooted in our genetic make up. However, by looking at things slightly differently, we can take full advantage of this natural impulse to get ahead to keep us going down the road to simplicity.  ... read more of this story»

Peter's picture

As With Buffets, So With Life

Knowing when to stop eating at an "All You Can Eat" buffet can make the difference between going home with a satisfied belly and going home with a belly that aches. It is easy to feel that we need to get more for less but sometimes it's best to stop when you've got enough -- even though there is more to be had. In a society that evaluates success based on comparisons with others, like the Joneses, it is easy to see that success is not only a moving target but an ever retreating one as well. Once you realize that you've already got enough you can live a happier life with a lot less effort. So put the plate down, ask for the bill and see why the Joneses have got it all wrong.  ... read more of this story»

Peter's picture

Don't be a Slave to your Debt: Give Yourself a Raise!

Do you ever get the feeling that you are trapped in your current job? Maybe you don't enjoy what you do and you feel you aren't getting paid enough to do it. I bet a little raise would help your spirits, but likely your boss doesn't see it that way. So what can you do? Well, you could start by giving yourself a raise.  ... read more of this story»

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