December 31, 2007, 7:00 am

My Projects for 2008

by: The Financial Blogger    Category: Personal Finance,Project $1500

 

That’s it; that’s my last post of 2007. It’s been more than a year and 200 posts and I am not tired of writing about finance everyday. I guess it is a good sign for the upcoming year right? I spent the whole weekend relaxing, playing with my children and thinking about what I really want to do in 2008. I used to not be a big believer of New Year Resolutions. However, when you blog about them, you commit yourself publicly.

 

blueprint

While I failed to reduce my dinning out budget and to go to the gym three times a week for the month of December, I will certainly go back to my good habits in 2008!

 

A new project that I am starting

I do not have a completely new project for 2008. However, I am confirming one that has been building up for the past 12 months. Since November 2006, I am taking care of TheFinancialBlogger.com and in 2008 I will start up other internet project with one of my friend. It’s been a year that my friend and I looking at several internet opportunities and it is now the time to get serious. After all, I have about 9 months left to achieve my $1,500 project. Therefore, we will include TFB within this bigger project and hopefully make something nice out of it.

Projects that are already in the move

My most important project is definitely to offer my wife to stay at home at the end of 2008. She is technically going back to work in September 2008 so it leaves me with only 9 months to accomplish this task. I am trying to reduce my financial obligations and my regular expenses while increasing my income through different ways.

I hope that my second project, my MBA will help to contribute in term of income. Unfortunately, I think it will not really affect my situation until I have completed the program which will be in 2009. Nonetheless, it will surely help me out at one point or another.

TheFinancialBlogger.com should become a bigger blog in 2008 as I plan to put more effort into it. I am very proud of what I did in the last 6 months but I also know that sky is the limit when you are talking about blogging. Since finance remains one of my main passions, I do believe that I will be able to transmit it through this blog. When I look at other blogs in the blogosphere, I realize that there is more than enough space for another one 😉

I also have another goal for 2008 that is completely aside finance and it is being better at golfing. I really love this game but it is hard to play consistently. Since my brother-in-law is an amazing golfer, I will surely spend more time with him!

Now I have to leave, I have to go to the gym and get back to my normal schedule! I hope that 2008 will be a great year for all of you. Be happy and prosper!

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December 29, 2007, 7:00 am

Financial Ramblings

by: The Financial Blogger    Category: Financial Rambling


Beside the 25th and the 26th, I did not take any vacations over the Holidays. The first reason is because I had to spend all my vacations on my MBA exams. The second reason being that it is a pretty smooth period of the year at work and I prefer taking time away from work when there is really work to do! However, I must admit that it has been pretty slow this week. Especially last Monday as it was Christmas’ Eve. Who needs a loan on December 24th anyway?

We did not even go through 2008 yet and I feel that I ate too much!! It’s been three weeks that I am skipping gym and we started our Christmas parties on December 1st. Since then, every week we had one or two supper, either with friends or with family.

My son is all over the place and he has been asking for more gifts every day now. I guess that at the age of 28 months, you hardly believe that Christmas is only one day. Why would it not be over the whole year, right? Because daddy would have to work 24/7 to pay for all the gifts 😉 The good news is that he is crazy about the train we bought him. My biggest gift this year is to see his sparkling eyes while running around the train table. I swear I can see magic through my son!

I am already starting to think about the upcoming years. I have several projects that I want to start, pursue or finish in 2008. I am taking the next weekend to put everything in place and I will surely write about them in a near future. It is important to have goals in life, but even more important to make plans to make them happen!

Carnival picks:

Even though it was Christmas, I thought it would not hurt to submit a few of my articles to some carnival. One of my favourite blog, The Digerati Life hosted the Carnival of Personal Finance. My favourite article was:

Returning to China and the Surreal and Dangerous Feeling of Being Wealthy at The Bag Lady

I also submitted another article to Fat Pitch Financials who was presenting the Festival of Stocks. I particularly enjoyed the following article:

My Investment Portfolio Revealed at the Millionaire Mommy Next Door

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December 28, 2007, 7:00 am

Thrifty Scot Loan Review

by: The Financial Blogger    Category: Reviews

Further on to one of my latest Financial Ramblings, we have been contacted by Thrifty Scot Loan to write a review of their website. In fact, they have three website they asked us to review. As I really care about my readers and I understand that you might get pissed reading three reviews in a row (I would!) I will start with their first website offering loans and unsecured loans. Thrifty Scot Loan qualify themselves as “The no nonsense, plain speaking-money saving advice site. Now let see if they can keep up with their promises 😉


What is Thrifty Scot Loan?

As the same says, they mainly offer several credit facilities such as loans and unsecured loans. The website is divided into 6 categories; credit cards, loans, mortgages, insurance, banking and news. While not being a bank, Thrifty Scot Loan are offering to compare several companies over the above mentioned categories.

What makes you want to visit this site?

Thrifty offer several great features; the first one is that they show comparable charts showing different companies’ rate on a specific product. You can therefore compare several rates at the same time.

The second great feature is their product description for each category. While I do not necessarily agree with all the usage mentioned for the personal loans, I think it could still help individuals to apply for the right product.

The third good point of this website is their informative article spread among all categories. You can get a lot of information from these small articles that are directly related to the section you decided to visit.

Are the resources really helpful?

I sincerely think that the articles and the comparable charts are great added value to a credit-referring-website. Even if their goal is obviously to refer their visitors to financial institutions and ultimately sale financial products, they still make an effort by providing relevant information regarding the world of personal finance.

Thrifty Scot Loans also offer a “no-obligation quote system” through their loans and unsecured loans pages. Unfortunately, since they are based in UK, I could not tried this service. However, I can say that it seems pretty simple and easy to use. It would take about two minutes to complete the required form in order to get an agent contact you for more details.

You can surely find some tips but not taking control of your finance and start planning your future as they claim. I consider this website to be useful for somebody that is already in control of their finance but want to improve their financial knowledge or get a better rate.

Disclaimer: This was a honest but paid review. We did it because we think it is a great financial resource on the Web and our opinion has not been biased. We are now offering to review your website for a highly competitive price. If you wish The Financial Blogger to review your website, please feel free to contact us at thefinancialblogger (at) gmail (dot) com or visit our advertise section.

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December 27, 2007, 9:00 am

I Lost The Count!

by: The Financial Blogger    Category: Miscellaneous,Pay off your Debts,Personal Finance

  While I thought I would not be able to keep up writing every day during the Holidays, I realized that I feel guilty of not posting anything on a weekday. On top of that, it is a pretty boring day at work! I checked my email this morning. I deleted three emails notification of transactions that went through my bank account without even taking a look at them. Why? Because I totally lost the count! I don’t know what came through and what is coming in the following days. I lost the balance on my credit cards and I have no clue what my Christmas budget look like.

 I always use MS Money in order to keep track of all my accounts; banking account, lines of credit, credit cards, personal loans, investments, etc. However, Christmas is such a hectic part of the year that I had a hard time pilling up all my bills so I can key them in at one point in time. Since Dec 20th, it has been out of control! 

What can I do? 

The answer is simple; wait! I’ll wait until Jan 7th and I will log into all my accounts and put them up-to-date in MS Money. Right now, there is no point of trying to go back in time and find out where my money went. It is just too much time consuming. Thanks to Internet, I will be able to get everything on track within a few minutes once the Holidays are over. In the meantime, I will concentrate on spending less, stop eating out and get back to my normal habits. I am sure that once everything is updated, I will find out that I busted in several budget categories! Oh well, I am receiving my bonus in a few weeks so it will compensate at that point! 

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December 26, 2007, 10:33 am

Did You Say Boxing Day?

by: The Financial Blogger    Category: Miscellaneous,Personal Finance

I know I said that I was not going to write anything for the upcoming week as it is the Holidays for everybody (even for bloggers I guess 😉 ). However, This morning, my wife and my little one are asleep while William absolutely wanted to go downstairs playing with the train Santa (we) bought him for Xmas. This is always a great feeling to see your kid’s eyes sparkling in front of their new toys. So I am here, in my kitchen, watching my son going around that huge table where the train his and I started to feel guilty that I did not write anything 😉

 

spawn christmas

Canadians are known to be weird human beings; they selected July 1st (Canada’s Day) to be the “Official Day for Moving”. It is a fact that most people tend to move on Canada’s Day… go figure out why! But we have another weird habit; the best deal you can find in town is once your Christmas shopping is over… on December 26th, we have the Boxing Day.

Did you know…

  • Boxing Day originated in England in the middle of the nineteenth century under Queen Victoria. December 26th became a holiday as boxes were filled with gifts and money for servants and tradespeople.
  • Also, poor people carried empty boxes from door to door, and the boxes were soon filled with food, Christmas sweets, and money. Parents gave their children small gifts such as, oranges, handkerchiefs, and socks. People also placed old clothing that they did not need anymore in boxes, and they were given to those in need.
  • Today, Boxing Day is a holiday in the United Kingdom, Canada, and many other Commonwealth nations. It is spent with family and friends at open gatherings with lots of food, fun, and the sharing of friendship and love.
  • While government buildings and small businesses are closed, the malls are filled with people either exchanging gifts or buying reduced priced Christmas gifts, cards, and decorations.
  • Throughout the Christmas season, many organizations follow the original tradition of Boxing Day by donating their time, energy, and money to fill the Food Bank, provide gifts for children who live in poverty, or to help an individual family who is in great need at the time.

Source: Netglimse.com

  • In Canada, Boxing Day is also observed as a public holiday, and is a day when stores, especially electronics stores, sell their excess Christmas inventory at radically reduced prices. Boxing Day has become so important for retailers that they often extend it into a Boxing Week.

Source: Irelandinformationguide.com

  • A Visa Canada gift-giving survey suggests Boxing Day shoppers plan to spend 29 per cent less this year — $233 on average, versus last year’s $328, for a total of $1.2 billion.

Source: CBC.ca

Beware: I will leave you with that note: Please take into consideration that many stores (especially electronic stores) have “Boxing Day Marchandise” that they are not selling during the rest of the season. They cut the price off the cheap stuff to make you think you are making a good deal. Shop carefully 😉

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