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What’s With All the Garbage?

There is one particular routine that occurs around the Urbaniak household every 8 days, or so: The city sends us a reminder email around suppertime. My wife and I discuss it then promptly forget about it. At bedtime we say, “Oh shoot – don’t forget that email!” And then comes the mad scramble running through […]

Don’t Give 100% at Work

Am I nuts? Why on earth would I ever recommend not giving it your “all” at work? And furthermore, why on earth would I ever publicly denounce giving it your “all” at work? Well, the truth is, I’m not actually recommending that. You see, “don’t give 100%” does not mean don’t give your best effort. […]

Why the Rush? Add Margin to Your Life

Are you that guy zig-zagging through traffic, gunning it off the light in the hopes of making it across town a couple of minutes faster? (I’m ashamed to admit that that’s me sometimes.) Constantly checking emails on your phone even when you’re eating dinner with family or friends? (Definitely won some awards on that one.) […]

Reader Case: Pension vs RRSP

Ok, so today we have our first Reader Case Study installment! I guess because this question came from a friend before they knew about the blog, it’s not technically a reader case study, but I’d like to think that they’re now a reader, so I’ll use some artistic liberty with my categories. Today’s question revolves […]

Raise Kids Without Spending a Fortune

Raising kids does not have to be a financial disaster. Why? Because kids aren’t expensive. Parents make them expensive. I’m not sure who coined that phrase. I’ve seen variations of it pop up all over the place. But one thing is absolutely certain: Raising kids costs more money than not raising kids. Simply put, there […]

Why Are You Driving Your Kids to School?

Tell me: Why are you driving your kids to school? It’s too far. It’s cold outside. It’s raining. The path isn’t plowed. You need to get to work, stat. It’s too dangerous for them to walk. Baloney. When I was growing up, Mom often made bologna sandwiches. Yum. Well, not really. I think Dad must […]