Well it actually reached +1 degree yesterday and I had a “spring” in my step. However its back to -15 plus who knows what wind chill, so I’ve had to downsize my expectations and put on another layer. Even in his new sweater, our cockapoo Rufus says it’s too #’%!@ cold to stay out for long.
By the way, if you’ve never watched the Rick Mercer clip RMR: Seven Day Forecast – YouTube, it’s a “must see” that will warm up your day.
I’ve just discovered Patricia Gass’s blog Let’s talk About Money. If you are close to retirement or already there, you will enjoy her Reflections From The Early Days Of Spending In Retirement, Part 1 and Reflections From The Early Days Of Spending In Retirement, Part 2. She says running out of money in retirement is NOT an option, especially for the “conservative accountant” in her.
On a similar theme, Kira Vermond from the Globe and Mail writes about Personal financial rules that help stop you from spending too much money. Many of us play simple mind tricks on ourselves and create rules to save money, whether at the checkout counter or in our bank account. How about the Costco customer who decides she will forgo a push cart while shopping there so she’s not tempted to overspend? Her rule: If she can’t lift it, she won’t buy it.
Don’t Buy A Pre-Sale Condo. Ever. says Nelson Smith on Financial Uproar. His blog was triggered by story in the Toronto Star this week about local home buyers who put a $40,000 deposit on a condo in 2011 and four years later got their deposit back, but no condo because the developer decided to convert it to a rental building.
Mr. CBB on Canadian Budget Binder writes about a Free Trial Offer that Cost a Woman $232 in Credit Card Charges. It seems that she paid $12.00 U.S. for a couple of bottles of diet pills to help get off her post-baby weight. However, she didn’t read the fine print and she was charged $116 twice on her credit card which pushed it over her $500 credit limit. So don’t believe everything you read unless you read everything, and remember rarely, if ever, is there a free lunch.
And if you are still wondering How the Bank of Canada rate cut will affect consumers, wonder no more. Brighter Life editor Brenda Spiering says its bad news for interest-based savings accounts and GICs. But it’s good news for variable rate mortgages and lines of credit.
As for vacations, with the loonie in the cellar and low fuel prices, Rob Carrick at the Globe and Mail says this is the year for a big road trip in See Canada and save money. I think he is onto something. Beautiful Saskatchewan, here I come….
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