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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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Chris

Do You Bargain at the Big Box?

Did you know that you can successfully bargain with many different retailers, including those big box chains? But before I get going on how and when to pull it off, I would like to make a case for why you should not bargain with a retailer. I remember discussing these ideas with others at a […]

A Tribute to Future You

Death and destruction are everywhere. And it Sucks. With a capital S. But what will you do about that? Today’s post is unfortunately partly “inspired” by many recent tragedies. I am almost always one of the most energic, optimistic people in the room at any given time. However, as I work through the process of […]

Should I Buy or Rent a Water Heater?

A recent CBC article and a reader request have got me thinking about water heaters. Water heaters are just the kind of thing that you never seem to think about unless there’s a problem. And then it can range from an annoying First World Problem (no hot water) to a serious issue (lots of water […]

How Will You Spend Your $1765 Tax Refund?

It’s tax time. Call me a dork, but I love tax time. For some 17 million Canadians, tax time means a big tax refund. In fact, according to the Canadian government, that many tax returns last year resulted in a combined $30 billion of refunds. That’s $1765 on average. So are what you gonna spend […]

What Will You Do With Your Two Hours?

Does this sound familiar? You’re finally home from work. You’re absolutely exhausted from the daily grind. You’ve been sitting or standing all day. Customers, bosses, and coworkers have been very demanding. Rush hour traffic sucks. You’ve done your best to avoid the parking police while you raced into the school to pick up your kids […]

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 […]