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’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 […]

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 […]