A Non-Cyclist’s Journey Into Cycling

It’s time for another installment in my Bike to Work Series. This week we’ll actually dive into the daily logs I kept when I first started cycling to work last summer. Remember, at the time I had decided to ride every single day regardless of the weather. I’ve softened that a bit, but it’s still […]

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 […]

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.) […]

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 […]

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 […]