Happy Friday Dinks.  This week we had our first snow up here in Montreal and I wasn’t ready for it.  I guess it’s time to get out the ear muffs (yes I wear ear muffs) and winter coats.  I personally don’t adapt to the cold weather very well.  I’m one of those people who wear two sweaters, socks with slippers and sometimes a scarf indoors.  I was born and raised in the North East but I really don’t like the cold.

Is it snowing where you live?

Have a great weekend.  Enjoy these good reads from our friends:

Modest Money – When Can I Afford to Take a Vacation?

Money Talks News – 10 Stores That Will Be Closed on Thanksgiving, and 8 That Will Be Open

Money Crashers – 5 Creative Storage Ideas for Small Spaces

Blonde and Balanced – 6 Ways to Find Deals and Save Money After Black Friday and Cyber Monday

Surviving and Thriving – What does it take to retire successfully?

Cash Cow Couple- The Complete Roth IRA Guide

Photo from Flickr


It's getting colder and colder each day. That means it's time to get your house winter ready. Here are five budget friendly ways to do so.

Here’s my personal confession for the week, my new apartment is cold.  It’s very very cold.  I mean we’re talking don’t want to get out of bed type of cold.  As you know Nick and I just moved into our apartment Oct 1 and we’re already freezing as fall gets closer to winter, I’m afraid to see how cold the temperature in our apartment is going to get in February.

Trying to stay warm in a cold apartment

Our apartment building was built in 1870 and up until last year it was always used as office space.  A year ago a real estate developer bought the building and turned it into apartments.  The renovation is gorgeous with brand new appliances and granite countertops; however all that glitters isn’t gold.  Yes the inside of the apartment is beautiful but the functionality isn’t great because the contractor decided to keep some of the original features.  I’m not sure if the cold is coming from the exposed brick wall or the old windows but either way our apartment is chilly.

Of course I can always warm up our new apartment by turning on the heat, but I can’t afford to do that.  So I’m trying to find other ways to stay warm such as drinking lots of hot beverages, layering up on sweaters and working out.  However there’s only so much I can do to keep my feet from freezing off this winter.

As the weather turns colder I am trying to find budget friendly ways to stay warm, because there is nothing like the earth shattering cold when you have to change clothes, get out of the shower or get out from under the covers in the morning.  It’s mid November and I think Nick and I have lived in the cold long enough.

5 budget friend ways to heat up your house:

Invest in area rugs.  We have hardwood floors and that translates into “looks good but they’re cold”.  Even in October when we moved in we were wearing slippers, now a month later we are wearing socks and slippers.  Area rugs are a great way to add some color to your home and keep your feet warm at the same time.

Insulate.  If you’re renovating your home keep the materials behind your walls in mind.  Having good insulation will keep your home warm and help save on your heating bill.  If you’re installing new widows please learn from our mistakes and make sure they’re well installed and energy efficient.  Silicone is a great way to fill any gaps and ensure the cold air stays out.

Blackout blinds.  We just discovered black out blinds and even though we’ve only had them for two weeks I can tell you they work, I promise.  If you need to buy new blinds or drapes ask the sales person about the blackout feature.  It adds a layer of vinyl to the back of your blinds or drapes and acts as a sealer for the cold air. Make sure to give  yourself some extra length and width to ensure the blinds really block out the cold air.

Wood burning fireplace.  I love the smell of real fire places.  Gas fireplaces are a lot less maintenance, but they don’t give the crackle and smell of real wood burning.  My dad has a real wood burning fireplace and my mother has a gas fireplace and I have to say the heat from a real wood burning fireplace is a lot warmer.

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Binary Options has become a popular investing strategy over the last year or so. That’s because of the fast paced nature of Binary Options and the ability to earn money quickly.

However, that doesn’t mean trading binary options is for everyone. Before you dive in let’s look at some basics of how it all works and how you can get started.

Binary Options Basics

In a nutshell binary options is a form of financial betting. You choose an asset (which could be stocks, commodities, or even an index) and then you guess whether you think that asset will go up or down.

Once you’ve decided on that you put up money as well as an expiry date.

For example, let’s say you think stock XYZ will go up in value a certain percentage by tomorrow. You’ll then place your trade betting your desired amount along with your expiry date of tomorrow. If you win you could stand to gain a lot of money (this will largely depend on the amount of money you put up.) If your “trade” was wrong you could lose everything you put up.

Before you jump into trading binary options I would highly suggest that you first start with a demo. A demo is a free account that allows you to use fake money to place your wagers. After you get used to that you can then begin to look for a brokerage.

Choosing a Binary Options Brokerage

After you understand all the rules and have practiced with a demo account you can then look for a brokerage to trade with. Not all brokerages are created equal so it’s important you take the time to pick the right brokerage to suit your needs.

Here are some things you can look for:

  • Regulations – Because of regulations some brokerages can offer higher leverage than others. (Leverage is basically like a loan a broker gives you.) There’s no right or wrong when it comes to choosing because of leverage – it depends on what you’re comfortable with in the first place.
  • The Company’s Financials – You obviously don’t want to place a lot of money in a company that might go bankrupt.
  • Trading Platform – This is another characteristic that is based purely on personal preference. Some trading platforms will be easier for you to use than others, some may offer mobile trading, etc.
  • Payouts and Assets Offered


Before you get into binary options trading take your time and make sure you fully understand what you’re doing. Since there are so many different options  it might take you awhile to find your groove.

Start with a demo account and work from there!


How do you set your budget?

November 19, 2014

I know that setting a budget means living within your means and deciding how and when we want to spend our money.  But how do you set your monthly spending budget?  Maybe you budget based on what you earn or maybe you set your budget based on how much your expenses cost. Nick and I […]

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Smart Ways to Cut Corners

November 19, 2014

Even in the best of times, saving money is advantageous. Saving money and being frugal are cousins. Many people who are wealthy have money because they live beneath their means. Saving is important across all economic boundaries. Take a look at these seven helpful tips to help your family cut corners. Get Rid of Debt […]

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Why Life Insurance Matters

November 18, 2014

The old adage of ‘there are only two things in life that stay the same; death and taxes.’ remains as true today as when the phrase was first coined. Life Insurance isn’t like other insurances in that it may be useful at some point; life insurance is inevitably useful. Unfortunately, many put off purchasing policies until later […]

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6 ways to save $20 today

November 17, 2014

As you know I’m always looking for ways to save money – always, absolutely any way I can.  I’ve become very money conscious over the last month and this is how I’m saving money absolutely every single day. Here are a few ways to save $20 today: Avoid food at the movies.  I love going to […]

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Weekly roundup: Amazon, apartments and assistance

November 14, 2014

(This is a pic from the New Orleans Aquarium) Good morning Dinks.  I hope you’re having a great Friday.   I don’t know what it is about Fridays but there’s something different in the air.  I wake up in a better mood and Fridays are just a happy day.  Maybe it’s because we get to wear […]

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Making the same debt mistakes…again

November 13, 2014

A few days ago I posted that I’m in debt again but I’m not freaking out.  It’s true.  I did have a minor panic attack aka flashback to my previous debt filled life just before I signed the credit application in the store.  But now it’s all good. Debt free? Not anymore. After literally giving […]

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