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Welcome! I’m so glad you’re here! Join me and follow along as I explore financial and lifestyle strategies on how to break free from the herd and live a deliberate and purposeful life…

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See you around!
Chris

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 […]

Be the Agitator

While walking across the parking lot after work recently, a colleague asked me how my day went. I don’t normally write about work specifically. It’s a dangerous line to cross. In fact, I have many, many interesting things to say that would probably get me into varying degrees of trouble, so I’ll keep my mouth […]

A Tale of Fear, Reverse FOMO and Conquest

This is the first post I ever wrote, about a month before I fired up DeliberateChange.ca™ last November. It’s a little shorter than my usual posts, but nonetheless has some great insight, tips and references. So read on, share, and let me know what you think in the comments! – – I called in sick […]

Why Not Reframe What Your Money is Worth?

How much is a dollar worth? More specifically, how much is a dollar worth to you? This could quickly lead to a conversation about inflation and purchasing power, or to a comparison to other currencies, or to an even more philosophical discussion about value. But why not reframe the question and use “real” things to […]