Not too much to say about April. I have been away from home so my spending as been considerably less. My net worth is finally starting to move upwards. At the end of this month I will be putting whatever cash that is left in my checking account on to my line of credit, minus a $100 for fun.

Cash – Chequing Account $560.12
Cash – Everyday Savings Account $29.50
Cash – TFSA $0.00
Cash – High Interest Savings Account $39.84
Investment – RRSP $4,483.02
Debt – Line of Credit $1534.16
Debt – Car $21,314.16
Total Net Worth -$17,735.84

 

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I have been sitting here thinking about what to write for the past half hour. I just couldn’t bring myself to focus on writing a financed related article. Instead I have been focused on some of the issues I have been having. Which is good I guess, because these thoughts will be the stem of this post. This is nothing finance related whatsoever. So if you were expecting something finance related you may want to skip this post.

I have never been ‘great’ at interacting with people. I am not a loner nor anti-social. But sometimes I find myself not caring about what is happening to other people. This not to say I am not a compassionate person, if anyone ever needed help I would be the first person there. I am talking about the small stuff here people. But I do feel that everything happens for a reason. If you were unable to pay your bill on time – you planned poorly. If you got a speeding ticket – you were going to fast. For every action there is a consequence; bad or good. Very simple concept.

Divorce is a pretty shitty ordeal. Especially for the man/woman who does not want it. If any. Either way it could still get messy. Well, I have someone on my team that is going through a rough time because he is going through a divorce and to put it frankly I do not care. Not one bit. I can understand where his problems are coming from and I help him out as much as I can. I have given him a place to stay for the night, I have been there when he needs to talk, and I have even acted as a middle man for him to grab some of his stuff (nasty divorce). But at the end of the day it is not something I go home and think about.

I understand this probably makes me seem like an extremely bad person. But why should I care about other peoples minor problems like divorce, their cough, their hurt ankle, their missed bill, or their car crash when we have people on this planet who if they were able to receive even just a handful of food they would be forever thankful to you? Should I really care about how your grandmother, after living a full life, died at the age of 82? Should I feel sympathy for you? Should I bend over backwards to apologize and try to make your life easier? No, I will not. I understand that this things affect the person involved, but I do not think that these problems should be pressed upon other people. It should not be the norm that people automatically apologize for things they could not help.

Sorry to come off as a harsh person, but I was talking about this issue with a co-worker and he feels the same way. Since we had a pretty long conversation about it I figured I would bring it to the blog! So…

What’s your issue?

 

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I travel quite often throughout Eastern and Central Canada. I spend on average 4-6 months a year away from home. Sometimes more depending on the given year. This has given me critical knowledge when it comes to saving money while traveling. Hopefully these tips will help you save money traveling as well.

These are some tips I use on a regular basis while I travel:

1. Drive - If you have a fuel efficient car and you are within 1 days drive (normally 6-10 hours) of your destination I highly recommend you drive. Plane tickets in Canada are expensive. For example upon a quick search through Air Canada to get a round trip from Montreal to Halifax would cost me $607.36. That price does not include getting from Quebec City to Montreal, nor from Halifax to wherever I would want to go. Yes – I agree it would take 11.5 hours to drive to Halifax from Quebec City but I could do it on one and a half tanks of gas. A little under $100. We will round that up to $150 with food – one way.  So $300 round trip. I think losing two days of vacation/trip time is worth $300 (at least) of savings.

Side note – Only recommended for those who can handle long drives. People who have children can skip this tip as it is pretty much void when young children are involved.

2. Leave chemicals at home – I personally prefer hassle free traveling. When I am required to take an airplane I do not like getting my shaving cream confiscated because it is over 100mL and in my carry-on. Nor do I like how I was asked to remove my shampoo from my checked baggage because it was over the 500ml limit (yes these examples actually did happen to me). I lost not only the money I spent on my shaving cream and shampoo but then had to re-purchase these items when I arrived at my destination – effectively making me pay double. ‘Oh but MyCF you should have known better’. Yes – Yes I should have.

Side Note – If you choose to stay in a hotel most of these items are provided for free anyways, so why bring them?

3. Go to a motel and haggle – Do you really need to stay in the nicest hotel when you will only be there to sleep? No you don’t. The trick is to find a shitty (excuse the language) motel that only has 1 or 2 cars in the driveway when there are many units. Do this after supper when people are normally back in their rooms. Go to the front desk/office and haggle a price. Make sure to state how long you will be staying. And if possible pay for the entire stay the first night there. This is added security so they cannot boost the price up later. The best I have done was $30 a night for 5 days. This definitely beats $100-$200 a night some of the nicer hotels cost. Yes you lose all of the luxury you have when staying in a nice hotel but the price speaks for itself.

Side Note – I am paranoid and so I always travel with an extra blanket. You should too. Do not trust motels or hotels.

4. Be conscious of where you spend money – Do not buy anything but gas from highway gas-stations. They charge an arm and a leg for everything else. If you are looking to stop for a bite to eat, I suggest you drive further into a town as prices tend to get cheaper.

Side Note – Do not buy ANYTHING in airport stores. They charge excessively high prices. Because they can.

 

While traveling can be extremely stressful hopefully by following these tips you can slightly reduce your worries.

 

Do you have any tips to save money while traveling? I would love to add them to the list!

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