Author Archives: dawnevans1984

Oh budgets! How do they make you feel? Think about that one for a minute. Do you feel limited, confined and restricted? Or empowered, purposeful and in control? There is so many feelings associated with budgets it’s hard to know what to think. I walk a fine line on budgets honestly. I really do loveContinue reading “Budgets!”

Kids really do know way more about life than we give them credit for. Sometimes their pure, unbiased, matter of fact way of looking at things makes me stop and think about the complicated, negative mess we make out of things that aren’t at all. My two boys were having a chat this summer. JarredContinue reading “Landon’s apples”

Now that we’ve got the ball rolling by evaluating where we are and lowering those interest rates, next step is prioritizing the list of debts. The most effective way to tackle your debts is to make the minimum payment on all your debts and then put everything extra onto one debt until it’s gone. ThenContinue reading “Debt part 3”

There was a day last summer that I was at Holyrood Beach with the kids to see the humpback whale that was there feeding. I had my camera and big hopes of catching him popping out of the water, mouth open wide. While I sat there on the rock, my oldest starts to head onContinue reading “Excuses”

If you’ve done the exercises in the first debt post, congratulations! Hopefully you’ve already been able to reduce your interest rates. We don’t want to be paying any more than is necessary. Interest is money down the toilet and we have much better ways to spend that cash. If making those calls or moving thingsContinue reading “Debt part 2”

I have a bad habit of forgoing the things that I want and need for the wants and needs of other people. You can call it martyrdom, mom guilt, being a ‘good woman’, a ‘good mom’, the technical term is codependency. Whatever you call it, I have done it a lot in my life andContinue reading “‘Good’ mom”

In Newfoundland and Labrador the average person holds consumer debt of $22,919. (reported by stats Canada) This doesn’t include mortgage debt or home equity line of credits. This average has already dropped by 1.4% over the last year. More and more people are realizing the urgency of dealing with their personal debt as a resultContinue reading “Debt”

Good with money.. When I would set about being better with my money I would always think in terms of cutting things out. Cutting takeout, less money on clothes, cut the Tim’s run in the morning, those types of things. I’ve come to realize that being good with money doesn’t have to mean cutting funContinue reading “Good with money”

Tonya Whittle talked about the idea of self care quite a while ago but it has stuck with me ever since. It’s the idea that real self care isn’t always pedicures and bubble baths. It can be that, but more often than not self care looks like working on a budget, it looks like brushingContinue reading “Self care”