Monday, 14 August 2017

Our Budgets are Products of our Past

I was fortunate enough to have my parents come and visit over the weekend. Talking to them helped inspire this post.

As I have mentioned before, my family lived on a fairly strict budget while I was growing up. I never wanted for anything, but I knew that Mom and Dad paid attention to every penny that went in and out of our home. I learned from her and while I am nowhere near as strict with my money as my parents, I still keep track of where every penny goes. I was immersed in a world of balanced books and cautious spending and frankly, the lessons stuck.

Parents, Bro, his wife, and the Brits

My parents came by their frugal ways honestly, as well. My Mom's parents emigrated to Canada from Britain shortly before my Mom was born. Both of my grandparents worked hard for their family and in the end, helped to teach my Mom about money and how to spend.

My Dad, on the other hand, was a child of the military, or what we call here a base brat. Being non-commissioned in the Royal Canadian Air Force did not translate into big bucks. A family of five living off a single income was tough, but through tight budgeting, smart spending and a little bit of wheeling and dealing, my grandparents kept the family afloat.

When Mom and Dad got married, there was not a lot of money to go around and Mom's (slightly) obsessive habits paired with Dad's learned frugality meant they were able to do a lot of things that, under different circumstances, they would not have been able to accomplish.

Parental units... That are so lucky I don't have any pics of them from the '80s

My parents played the real estate game and (largely) won. They started with a run-down farm house in small-town Central Ontario, flipped it and bought a parcel of land about 25km down the road in a small beach community. They sold the land for a profit then bought a half house, upgraded to a townhouse then eventually bought the home they're currently in. The only time they didn't turn a profit was with the townhouse, but the market was in a slump and they got their current home for a relative steal. They then went on to pay off that mortgage in half the time, all of that on a relatively modest income.

As I said, budgeting god and goddess.

I am a product of my upbringing. I spent my time watching how my Mom did the books every month, how she went to work and saved every penny to go toward the mortgage and how she made sure she got the best price on everything. I saw the work my Dad put in on the side, mending any issues on his own, working his side-hustles (he had a couple... one brought money, the other brought wine) and generally working his tail off.

As I said, we didn't want for anything. The Dominican Republic, 2009

I am fortunate I saw this as I was growing up, but as I got older I noticed that not everyone was so lucky. I watched friends blow through their money at light speed, leading to them having a hard time buying groceries. I saw adults in deep, almost insurmountable debt with no knowledge of how to fix the situation. I realized how fortunate I am.

I love getting the chance to share my knowledge. If I can help even one person learn how to better manage their money, I feel like it's a job well done. Obviously, I want to help more, but one step at a time.

Just because you haven't had the chance to learn about budgeting or saving yet doesn't mean you can't start. My biggest suggestion, though, is starting now. Start today. Even if you only put away a few dollars a month, you are starting your journey.

I plan on including infographics and helpful printables on the site over the next few months. Also, make sure to subscribe to the newsletter so you can keep learning and never miss a resource!

Let me know what you would like to see!


To learn more, please click here or visit the Patreon site.


  1. Wonderful post! It was really nice getting no more about your family and background. It's great that your family have such a passion for budgeting and that you've continued this passion.

    Can't wait for the new printables, I'll look out for them.

    Faye Jessica |

    1. Thanks luv! I am really lucky to have my family on general. I got to grow up with some really great role models.

      As for the printable, I am going to try to do one once a week from now on.


  2. Another fab, informative post. Great to see you're writing what you feel passionate about and sharing your knowledge!

    Like you said, even if it helps one person that's a job well done and I'm sure you have helped more as people are likely to pass on that info.
    Definitely looking forward to your next info-graphics.

    Sophie x

    1. The infographics seem to be a hit Lol! Thanks for the positive words and kind encouragement. Xx

  3. Love this!! The name of your blog is incredible and its actually something I can relate to on a daily basis. I love reading a post from a blogger who is passionate about their family and isn't afraid to admit to the daily struggles of life. I will definitely be reading your blog posts! So glad I subscribed!

    1. Thank you SO much. It has been a bit of a bumpy ride, but we are all still in one piece!