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3 Foods That Are Always a Waste of Money

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Good morning Loves. Take a minute and think about your money last week.  What did you spend money on, or better yet what did you waste money on?  Every Saturday I do weekly chores which includes cleaning, dusting, washing the floors and emptying out the refrigerator.  Trust me it’s amazing what I find.

We don’t waste a lot of food – or anything for that matter – because BF and I live alone.  After 15 years of living together we pretty much know exactly what we need to live and how much we consume each week when it comes to things like food.  But for some reason this week I discovered that we threw out a lot of spoiled food and it’s still bothering me because it’s unlike us to over consume and I really hate wasting money.

So here’s my question, how much money are you wasting on food?

I will be the first to admit that my money habits could be a little bit tighter, but they have made great strides over the years and I’m very proud of that.  Is there still work to be done? Yes of course I think we can all spend a little less to save a little more but there’s a fine line between enjoying our money now and saving every penny we earn for later.

These are three things I always waste money on, even though I know I shouldn’t.

Spoiled food

This doesn’t happen often in our household but when it does I get really upset.  When I throw out a bag of moldy tomatoes all I can think about is all the other ways I could have spent that money – other than throwing it in the garbage.

This really comes down to our grocery store habits.  Sometimes I feel like eating something when I see it in the grocery store but by the time I get home I don’t feel like having it anymore.  Then it sits in the fridge while I try to convince myself to cook it and by the end of the week it is untouched and I have to throw it out.

Restaurant bills

I agree that sometimes eating out in restaurants is justified in times like a friend’s birthday or other type of celebration.  However eating out every day can just be attributed to being lazy.  I could personally make up a hundred reasons as to why I need to eat out every day – some are true and others are literally just excuses.  I’m busy, I’m tired and I don’t like to clean dishes are a few of my favorites.

When you add in the cost of the actual meal, plus drinks, plus tax and tip a sit down meal at a restaurant can be very expensive. It’s a lot cheaper to grab take out.

Over consumption and indulgences

The truth is humans don’t need that much food to live.  Very often our minds are bigger than our bellies and therefore we over consume food and in turn costs.  Think about the last time you ate a meal at a restaurant – did you get an appetizer, a main course and dessert?  That’s a lot of food and money.

Ah the desserts.  This is my absolute weakness when it comes to food. I could justify spending $15 on three cupcakes all. day. long!  My trick is to order an appetizer for my main course and order a dessert. It cuts the cost down substantially so I feel less guilty for spending the money.

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Friday Faves: Yay it’s May

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Good morning Loves and Happy May 1st.  I hope it’s nice and warm where you are.  Up here in Montreal it’s not as warm as I’d like it to be the first day in May, but at least it’s not snowing.  I found some great posts for you today so sit back, grab your fave beverage and enjoy!

Have a great weekend.

Prairie Eco-Thrifter – 5 Signs It’s Time for a Career Change

Boomer and Echo – Should an Allowance Be Tied to Chores?

CESI – 4 Money-Saving Tips for 20-somethings

Money after Graduation – Just Staring To Save In Your 30s? It’s Not Too Late

Enemy of Debt – Are you lying to yourself about your finances?

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Starting Out On Your Own in Business: 4 Things Not to Do

0ceed1ac53194492b3275e89a480b978I’ve previously written a number of posts on how to get the perfect work/life balance. For some, achieving the perfect balance between the two is easy, while others struggle to even think about putting as much time into their life as they put into their jobs. If you identify more with the latter, you many have thought about giving it all up and starting out on your own.

If you dream of being your own boss and having the ability to decide how your day pans out, don’t let the initial hard work that’s needed put you off. How you approach your new business idea and the amount of effort that you put in at the beginning will ultimately determine the success of your business.

To help get you in the right frame of thinking, I’ve compiled a list of 4 things NOT to do when starting out on your own.

  1. Don’t try and do everything yourself.

There are many challenges that need to be addressed when starting a business. People deal with these in different ways, but one test that a lot of entrepreneurs find the most difficult is letting go of certain tasks when it comes to the running of their business. Managing a business is by no means easy, and trying to do everything yourself will only increase your chances of failure.

Once you begin to see a growth in your business and you start to employ the services of other people, using the likes of HR Software from CIPHR will enable you to effectively manage the operations so that you don’t have to spend your time focusing on things that you don’t necessarily have to.

  1. Don’t start with too little money.

Many start-ups think that all they need is sufficient money to rent suitable office space, buy some equipment and stock a small amount of inventory. What’s often forgotten is that regular overheads such as salaries, insurance and electricity bills will also have to be covered.

It may be months (even years) before your business starts to see big returns. For this reason, it’s important to ensure that you raise enough money that will allow you to effectively manage your finances in the growth stage of the business.

  1. Don’t think that you can escape the 9-5.

Many people think that starting their own business will enable them to completely escape the 9-5 droning of working for someone else. And yes, while new entrepreneurs will escape the ‘working for someone else part,’ they will not necessarily escape the 9-5 routine.

In fact, running a start-up business will require you to put in huge amounts of time and effort, and in order to be successful, you will most likely have to work a lot more hours than just 9-5.

  1. Don’t say “yes” to everything.

As with life in general, saying “yes” to everything in business is a certain way of setting yourself up to fail. Time is one of the most valuable commodities when starting a business, so make sure you spend it wisely by only focusing on the elements that will make your business a success.

Given the endless possibilities that are out there when it comes to business opportunities, more and more people are breaking away from their employers and starting their own business venture. Mistakes are inevitable, but you can dramatically decrease the amount that you make by following the ‘not to do’ guide that’s outlined above.

Why do we always compare ourselves to others?

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Good morning Loves.  Yesterday I was in Starbucks and I couldn’t help but notice the beautiful woman standing in front of me.  She was a little bit taller than me but she was incredibly skinny, I immediately thought to myself “HHHMMM I wonder what she’s going to order?”  Of course I jumped to a judgemental conclusion and assumed it would be a green tea or something similar.  Lone and behold she orders a Grande Coffee Frappuccino. WHAT?!

Can you drink those and be skinny?  I didn’t think so.  It just goes to show that we really shouldn’t judge a book by its cover.  I wish I was the kind of girl who could eat potato chips, snack on chocolate and drinks Grande Coffee Frappuccinos from Starbucks without gaining weight, but that’s just not the world I love it.  Oh and I’m extremely jealous of people who do.

But why is that?  Shouldn’t I just be happy with who I am, how I look and where I am in life?  Shouldn’t that just be enough?  The honest answer is yes it should, but unfortunately we live in a world where everyone is being judged all the time; it shouldn’t be that way, but it is.  Whether we want to admit it or not we are constantly judging and being judged by others.  It’s only natural that we are also constantly comparing ourselves to other people, isn’t it?

Looks  and style

Have you ever seen someone wearing something and thought “Oh I love that. I wish I was cool enough, or chic enough or sexy enough to wear that.”  I know I have or at least I used to.  Now that I’m in my 30s I really dress how I want to.

Since I left the corporate world of banking to pursue a career in marketing I can dress however I want to.  No more suits and high heels for me.  Now I rock skinny jeans and ballerina flats and I’ve never been happier.

Health and weight

I am definitely one of those people who has spent her life trying to be skinny.  I have literally tried everything from pills and meal plans to living off shakes and you know what?  Nothing worked.  The only thing that works for my own weight loss is the good old fashioned way of working out and eating less.  I finally stopped wishing I was skinny and just started being healthy.

I thought I would be happier if I was skinny, but the truth is I may never be.  All that matters now is that I’m healthy, watching the number on the scale get smaller is just an added bonus and it’s great motivation to keep me going.  So what if I don’t look like the other girls at the gym, I’m not them and it took me 30 years to realize that.

Money and wealth

I lived in debt for the majority of my adult life so fortunately I’ve never had wealth envy.  I was too busying trying to figure out how to pay off my debt that I didn’t have time to be envious of others.  Besides money is so personal that I don’t think we really can compare ourselves to others, but I know some people do.

I admit it would be nice to live in a fabulous city like New York and be so rich that you literally never have to worry about anything, but for me being debt free is enough.

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