The Brown Bag Challenge.

by Roxanne Ramedani on May 15, 2012


Living on your own means budgeting, and budgeting means figuring out what your necessities are; and lately I’m finding myself constantly looking for ways to save. As I was complaining to a girlfriend about how expensive eating out has become for me she suggested I take on ‘the brown bag challenge’. What is ‘the brown bag challenge’ you ask? Well, ‘the brown bag challenge’ is a month-long initiative to eat consciously and save money by packing a lunch each weekday instead of eating out.

Every morning I get up, get ready and go to work and every day I also buy a large coffee, a breakfast sandwich; and at lunch time I buy something from the mall as well. On average I find myself spending about $12 a day on food. That’s $60 a week, $240 a month! As the cost of living rises I can’t help but think that $240 could really be going into something else, i.e. an emergency savings account or even a vacation fund. [click to continue…]

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The fat is in the fire for debt settlement services.

by Laurie Campbell on May 8, 2012

I’ve said matters are heating up in Ontario for debt settlements services – you know, the guys who promise 70 per cent savings on debt of $10,000 or more, with one of their front men on TV  being Canadian actor Alan Thicke.

Well, for companies of the sort that Mr. Thicke is pitching, the fat is now in the fire following a press package we here at Credit Canada Debt Solutions sent out last week in league with Doug Hoyes, co-founder of Hoyes, Michalos & Associates Inc., Ontario’s largest independent personal insolvency firm. [click to continue…]

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Controversy heats up over questionable debt settlement practices.

May 3, 2012

Not long ago I wrote a blog about something called debt settlement services in Ontario, which due to questionable practices have been coming under fire within the credit and debt services industry, with growing complaints from consumers about how the services are not delivering on the promises they make. Since then, the fires of controversy [...]

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Play tourist in your own backyard.

May 1, 2012

With the summer months approaching, talk of travel to exotic lands is starting to circulate. At work, among friends, even at home everyone wants to know what new and exciting things everyone else will be up to. I have already been put on the spot with the casual convo-starter “so do you have plans for [...]

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Meet Bob. One of the brains behind Absolutely Nothing.

April 24, 2012

Recently I took a lunch at a restaurant with my friend Bob, who’s like a character from a TV sit-com along the lines of Seinfeld or Curb Your Enthusiasm. Though he’s middle aged, Bob’s got a very youthful outlook on life and he’s highly imaginative, always coming up with breakthrough ideas that might make him [...]

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CACCS puts out a newsrelease concerning debt settlement services.

April 20, 2012

“Trouble is brewing within the debt services sector of Canada’s financial industry. Behind the image of Canadian actor Alan Thicke selling debt settlement services on TV, controversy is mounting around the acceptability of the business model upon which such services are based, and what far-reaching impact these services may be having on a growing number [...]

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Careful. Withholding a tip could get you arrested.

April 17, 2012

To tip or not to tip. That is the question that should not be asked by anyone – however frugal – who is treated to good food and good service at a sit-down restaurant. If you’re happy with your dining experience, withholding a tip is not acceptable in my book. And the notion of reducing [...]

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A picture is worth a thousand… dollars.

April 12, 2012

I’d love to take credit for the discovery of this online scam on my own but I’d have to give the rightful shout out to Ms. Judge Judy and her epic courtroom cases and Sharron Curry the Director of Corporate Fraud Investigations of Wal-mart Stores Inc. for her detailed insight on this topic.

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B^2 – Break Your Heart & Break Your Bank.

April 12, 2012

After the many responses to my last blog about new age scamming I received all these new stories about  “Online Dating Scams” people had found themselves tangled in.  No one wants to think they could be taken advantage by an internet dating scam, and yet hundreds of thousands of people are every single day. Unlike [...]

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Sometimes it’s the nurse, too, who needs care.

April 10, 2012

I know about someone in Arizona – let’s call her Nonie, age 59 – who is a spend freak, a conspicuous consumer if ever there was one. On any given day, she will get out and about in the city of Phoenix and drop tons of money on stuff she doesn’t need, and in most [...]

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