Bright Ideas

Electricity usage

Over the past 12 months (February 16 – January 17) our household has used ~ 10,250 kwh of electricity.  This is well below the Canadian national average of 12,000 kwh but still high considering we have natural gas furnace and water heater.  Based on 2013 stats found here, our average household electricity usage is broken…

Lemonade

Lemonade

This year is already moving so quick.  February, the coldest month of the year, at least it is short. This month Jen and I have made some specific goals we want to achieve. 1    Keep the bills up to date.  No more late fees and notices. 2       Finish paying off our overdrafts and…

Planning ahead

Now that we have looked after the low hanging fruit, what is the plan for our debt?  We looked at interest rates, amount and cash flow to determine which to tackle first. In Order Begin Balance Interest Yearly Cost Monthly Cost Cost per $1000 Visa 7000 13.99% $979.30 $81.61 $11.66 Truck 11000 $3,536.00 $294.67 Furnace…

Small Steps

Have you ever heard that it takes money to make money?  Pretty common phrase through my upbringing.  Probably because we didn’t have any money…..  Well, Jen and I have done ok on the “making money” front, but finding more examples daily on how to save money with money. One area we can use as an…