Tag: help

Think money.

“Money
It’s a gas.
Grab that cash with both hands and make a stash”

Pink Floyd

Well no “stashing” for a lot of people these days. Why? Because most and I mean most don’t budget. A report by HuffPost in Nov of 2019 said almost 30 percent of Canadians don’t have enough money to pay the bills. Yes, I know we need to raise minimum wage, we need to give people more money, we need guaranteed income etc…

Mostly a bunch of crap. I’ll just say one thing, if everyone had higher wages and a guaranteed income of 10 thousand dollars a month, or a million dollars a year, it would make no difference, those people making a million guaranteed dollars a year would still be poor. Why? Because if your landlord knows you make a million a year he’ll raise his rent to match and the stores will raise their prices to pay for shit you buy. There will always be poor peoople. It’s just a fact of life.

That said, just because your “poor” and I mean making minimum wage, doesn’t mean you have to live like your poor or worst of all in debt over your head. That’s easy for me to say I’m rich, right? No. Here’s a brief history of my financial life. I grew up with my mom and four other siblings, we all lived in low income housing on welfare. My dad was a deadbeat who never gave my mom a dime. Oh, sure he’d give us a twenty dollar bill at Christmas and on our birthdays, but that was about it. The thing I remember most about growing up in low income housing is that we had the cleanest house and always had food in the fridge. When I would go to my friends houses, they’re parents would drink and somke, the house was a shit hole disaster and there was rarely food in the fridge. The neighbourhood kids thought we were rich. Turns out a clean house and a budgeting mom goes a long way.

I moved out at 18, making my big minimum wage of $4.10 an hour, paid my rent my phone, my cable and was left with about $20 dollars a week extra, that covered a box or two of Kraft Dinner, a couple of loves of bread and a jar of peanut butter. The rest of the money went for a pack of smokes and 12 pack of beer. That life lasted a few years, but I was lazy and kept quitting my jobs… I preferred to party and do drugs… so I did.

Make a long story short, I’m married, lost one kid to cancer, have two more and am living with Thirty thousand dollars in credit card debt, working a minimum wage job at the Sally Anne, and living with one income. My wife was raising the kids. We actually tried to get a house through Habitat for humanity and discovered we were to poor. Go figure. Yet, somehow we make things work. I could go on and on…

One day I woke up and decided to take over my financial situation, I couldn’t leave it all to my wife. We never fought about money (we didn’t have any), but we both knew we had to do something. So, here comes the budget. Within 4 years of starting a budget, we bought a house, and within 10 years we were debt free and the only thing we had to pay was our mortgage. Was it easy? No. Did we get a few lucky breaks along the way? Absolutely. But, we looked and worked for those breaks. A week after I got my mortgage, I quit my minimum wage job and got a better one, and moved with the company and starting making more and saving more. Now, we’re on our way to retirement… not rich, but we’ve got a plan, or as I like to call it a budget.

If you want to know more, comment and I’ll get to work on a budgeting series.

 

Chip Toodee

 

 

 

Car door won’t close?

Big saggy door on your car got you down? If you’ve got an old car with doors that seem a little hard to close, and you don’t think spending money on this old thing is worth it. We may have a quick fix for you.  Now remember this is for older cars, and for people who want a quick fix, easy fix, cheap fix, I think you get it.

Here’s what some people have commented:

  • “No car jack, pin kit,  metal grinder, allen wrench, grease, screwdrivers, just a piece of f*cking wood? This I can do, Thanks!”
  • “this is very stupid just go out and buy a new pin it costs 10 for 2 pins”
  • “OMG Thankyou for this tip, I had a door problem that was 10 times worse than the door in this video. It worked like a dream and saved me a fortune in Garage bills, Thankyou, thankyou, thankyou You are a Genius”
  • “Sounds crazy but it works. I tried it on my 94 Altima and it works great.
  • “Get your big head out of the way you l long drawn out bore.”
  • “wtf are you doin???”
  • “what size of wood for 2002 camaro?

 

Dear Mr. Prime Minister Trudeau (regarding student loans)

Mr. Trudeau, do you need help with revamping Student loan rules and regulations? Here’s a little advice.

 

Hey there Mr. Trudeau, now let’s go get things done.

You’ve got a majority… yes, that means you won.

You want to change the world, come on now and let’s go

Let’s help the kids at home, you can now don’t you know.

It’s not hard to make a change, with majority

Just pretend our kids are yours, they’re priority….

 

Now we could make some changes, to those student loans

Get rid of all those losses, students wouldn’t moan… (I mean they’d still moan… just a little less)

Fancy, not losing money, every single year

Students paying back their debts, I can hear them cheer.

I know just what you’re thinking, all this can’t be done.

Let me spell it out for you, do it one by one…..

 

(Now this is just the basics, tweet me if you want specifics)

 

If you didn’t know, you give all kinds of credit,

Charity, RRSP’s, child care, you get it.  (NO, Ok so….)

RRSPs are deducted from your income,

You pay a little less tax that year, see how it’s done?

The government could give those, to those who repay.

Debt goes down, a little bit and they make headway…

 

All those kids are part of, a thing called family,

Some folks might like to help, reduce the agony.

So give them a credit, like line 349,

Charity begins at home, this should be just fine.

Make it all simple, to deduct it from our pay,

Help these kids get out of debt, don’t lead them astray.

 

There are things that you could do, to help kids do it right

Help the kids of Canada, don’t add to their plight.

With your majority, and all those brains at work,

Don’t dismiss this lyric as just some genius quirk…

Show us you care enough about the future Gen

Put your heart and soul at work, mostly just your pen….