Welcome to It's Personal Finance Canada. I'm Christine Conway. I'm Cameron Conway. And this podcast is a very personal look at personal finance in Canada. Welcome to It's Personal Finance Canada. I'm Christine Conway here with Cameron Conway and this week we're going to talk about money saving tips. How to save some money. Step one, don't spend money. Step two, don't leave your house. Step three, turn off your phone.
Okay, so basically have no contact with the outside world. Have no contact with society as a whole. I mean, you know what, this is sounding like the perfect day for me. I don't know about you. I don't have to talk to people or be influenced by anything or go anywhere. Oh my goodness. Money saving tips. Maybe this is why the budgeting thing has worked well for us in the past. We are such hard introverts. This is the perfect lifestyle for us.
Yeah, I want to see the research on introverts and money saving ability now. We are winning this thing, I tell you. But how to save money now legitimately. This is a problem right now. People are crunch hard right now and I keep hearing people telling me things like, you know what, my budget has changed so much this year. My budget has changed. My housing costs have increased. My grocery budget has increased.
And this show today is for the kind of person that can't easily make additional money right now. Maybe their work is something where they can't get extra hours or they can't convert over into a side hustle. Or maybe they're just maxed out on time. Like you might have too many family commitments. You might already completely be tapped out with the activities you committed to. And these are the kind of things that lead you to having to figure out that other side of the
equation, which is how to save money. Or alternatively, you have been able to increase your income. But everything around you is getting more expensive and even faster rate that you can bring in the fresh new money. It's crazy. So when you're solving an equation like how to end up with more money at the end of the month or during the month or as you're trying to pay your bills, think of it as there's two sides. So in one hand, you can earn more. And then the other hand, you can save more.
And they basically have the same net effect because we're just trying to retain as much as possible. We're trying to keep the sand from slipping through our fingers and we're trying to get ourselves in a position where there's extra at the end of the month. Exactly. One hand is a fist and one hand is a wide open, which is which that's up to you to interpret. You know what? It kind of feels like this big internal battle that we're all locked into
anyways here. But this is the great financial equation or the great balancing act if you prefer. Because we really are either giving or taking away your fist in your open hand, right? We really are either bringing more in or yet closing that hand and not letting anything escape, not letting any money out. So when we talk about spending, I mean, typically this all goes to a budget talk, right? And I mean, we have a budget that I had created years ago. We call it the simple budget.
It's something that you can run off of a basic Excel spreadsheet. It really just looks at the timing of bills, the amount of bills and kind of the fixed needs versus want stuff that you know, you'll find pretty well. Everywhere on the internet these days. But step one is really having predictable, repeatable cash flow available to you every single month. And this is where people are getting stuck. This is where people
are getting lost because every month has a surprise attached to it. Every month has that unexpected bill. Even things that can be pre-planned like an annual vacation. We usually don't stick money away in accounts for that. It usually just kind of comes up where you need new tires for your vehicle or whatever it is. Things that yes, we know are coming, but it's just one extra thing that isn't a line item in the budget.
So it kind of gets forgotten until the moment of. So today is kind of a financial planner confession time. Where I like, I'll just let's be completely transparent here. We'll take a page out of our own lives on this. Cam and I, we used to run a very, very, very hard budget. So we were literally to the dollar on what we could spend every pay period. And the way that I did it is I would take my simple budget system. I would take my Excel spreadsheet.
And I would have all of my fixed expenses and all of my ballpark numbers that I would not go over for my variable categories. And I would just basically take out of the bank account every other dollar except a couple hundred dollar float that I would just basically take out every dollar except that like a couple hundred dollar float. So that we could not spend any extra money because there was no extra money to spend.
So I'm not suggesting a complete poverty mentality here like we had for a lot of years. But what I am suggesting is that mental shift where we treat our visas, we treat our lines of credit like this endless supply of free money and it's not it's costing you something. It's costing everyone something and it's starting to cost people their peace of mind.
Yeah, this is kind of something we've touched about before. We're kind of talking about how people have kind of lost track of the concept of money. You get paid by direct deposit, you pay with a card or a tap and you just don't have that physical money in front of you anymore. It's just tap here tap there, e-transfer direct deposit and you don't actually see the big pile of bills getting smaller and smaller in your wallet anymore.
So it's easy to kind of become disassociated from what is actually happening with your budgeting and your finances, especially you got like a whole bunch of utility bills up to auto withdrawal. And it's just you look at the end of the month or at the end of your pay period and then just ask yourself what happened or you just don't want to look right. Those statements just sit on the kitchen table for a long long long time and you kind of say, oh, you know what I needed to do that you justify it.
And I mean no judgment there. We've all been there and we've all done it. But going back to kind of financial planner confession time, I would say that for us in our own lives and I hear this with clients literally all the time it blows my mind on a regular basis no matter what your income is no matter what you're bringing in whether there's overtime attached whether there's not whether you're working part time whether you're working two jobs.
Everyone manages to spend all of their money every month with a few key exceptions of course. But it's funny how lifestyle works it's like our brains are wired to seek out the absolute best that we can get right now right so whether you're bringing in two thousand dollars a month or ten thousand dollars a month.
People on average are able to spend that and to justify and this is the part that's interesting to justify the expenses as oh you know what I need this or oh you know what I've earned this or wow I want my kids to grow up in this great neighborhood or I want to drive this nice car because it's important for my work so that I look successful or whatever it might be.
It is crazy to me how in the grand spectrum of lifestyles being so different person to person that they really are 100% driven by that top line number of how much you make because we will find away when there's a will there's a way right we will find a way to tailor our needs and our wants and our desire and our spending to every single dollar that we earn.
Where there's a hundred dollar bill there's a way where there's a thousand dollar bill they don't even make those where there's a million dollar bill there's a way but isn't that wild isn't that something that just kind of blows your mind maybe it doesn't maybe it's just human nature but it kind of reminds me of. I'll tell a story here so we are son our oldest son is three years old right now and he loves to go to the candy store.
Not just any candy store this is a candy and stuffed animal store at a mall not far away from us and the type of candy it's one of those it's one of those nostalgic throwback candy stores you know with all the candy from our childhoods and they come in those clear glass bins and you get your little scoop and you get your little clear plastic bag.
And it is rose and rose and rose shiny colorful sparkly sweet sugary sour candies and their shape like cute little animals and their gummies and their jelly beans and there everything you could possibly imagine that to a three year old looks like pure gold.
So our son has gotten into this habit and we're trying to teach him even at three about money so he has learned that if he can collect enough coins from mommy's purse he can go to the candy store and trade these coins for all the sweet treats that he can possibly fit into that little bag.
But this is where it gets interesting you would think that for a three year old the motivation would be the candy the actual eating of this candy that he has so carefully picked out and he's looked through all the bins and he's looked at all the colors and shapes and he's chosen how many he wants of each because he knows how much money he has and we're trying to explain to him this concept of this dollar buys you this much candy and.
It's not what motivates him so he'll have that candy he'll go to the store he'll spend my money he'll buy the candy and he'll eat some and maybe the next day he'll ask for more candy and remember he knows he has a big bag of candy and then maybe the next day he'll ask again but then it stops then the desired change he wants to go back to the store because the real experience for him was spending the money the real experience.
Was that rush he got when he had a wide open field of opportunity in the shape of little root beer containers gummies and little dolphins and little sour gummy bears that's what his brain actually wanted it wanted that freedom to make that choice it wanted that rush of I get to buy something and it's so interesting to kind of see the psychology that the end of the day.
And result that you think you're going to a candy store you're going for candy you think that's what he wants it's actually not he wants that experience of buying something. Yeah so he goes and he buys it and then he has like three quarters of the bag just sitting in a shelf that just means nothing to him. I eat it. I waited my diet I've eaten so much candy. Okay this isn't financial planner confession time anymore this is mommy's eating your candy confession time now.
What's the same thing because you are a financial. I guess so right. Oh dear so if you come to our office bring candy and that no one's okay. Anyways don't feed the bears right don't feed the bears don't feed the animals. We still we still have leftovers from Christmas. We do okay I don't need that much candy then I suppose but but this is like I said what to me is really really really interesting and I'm.
We will get to the money saving tips I promise but as we're kind of going through this observation money saving tip one don't take kids to candy source. Is that what we've been doing around don't keep coins in your purse moms if you have three year olds because they will find them. I draw them off at the mall I go to my car practice I come back there's a big bag of candy every single time.
But this is the point it was the act of buying it was the act of picking it was the anticipation of and not the actual stuff that he got. It was the experience the thrill for a three year old was in the anticipation the thrill was in the desire for the thing and not the actual product.
And when you think about it think of any time you've gone online or gone to a store to solve a problem and you've got this problem in your mind and you know if you just buy this thing you're going to solve this problem and ultimately that's the goal of money is it not money is supposed to fix things is it not. It is it's like how a few years ago you found yourself with the problem of I think I might like coffee.
And then it went from just getting basic ground coffee to getting your own grinder in a French press that's a sheet you for a while and now all of a sudden we have like an all in one espresso machine and a bunch of yeti cups. Yeah exactly. We may have some impulse control issues here to you. Okay I might have some coffee related impulse control issues here to you.
Yes so no one is immune you can know all of this stuff and you can kind of start to recognize the patterns and the behaviors in your own life because you need the nice coffee cup to go with. I shouldn't even say what that espresso coffee maker cost us. Oh my goodness we're trying to talk about responsible financial planning but I will say that there are very few things that we buy that I would call luxury items.
And we pick the ones that we want very carefully and I actually did do a break even on cups of coffee versus of course I did right. Okay and not comparing it to like the crap that you buy the store but actual real good high quality espresso. Anyways that is a from a local roaster from a local roaster delivered to our door will it still fresh and it does affect the quality of the cup of coffee.
But this is circles back to Christine's earlier point of matter what your income is you will try and match it up before brawn the basic kind of Folgers coffee was good enough. I wouldn't even go to Morton's man I was like literally like drink the three 30 cent a cup bulk from Costco you know. Yeah and now we from the French press right the French press was my undoing open the whole new world but the purchase solves the problem.
And it's not even about the end result of the product that you get whether you enjoy it or not whether it works or not in your mind the act of purchasing is the completion of that cycle. It's the completion of fulfilling the need that you want fulfilling the desire that you have getting that good cup of coffee because my goodness we don't sleep enough anymore and we need something to get ourselves through these days. But the act of buying versus the actual stuff you have is.
Where a lot of people kind of get their emotional fulfillment when it comes to buying they kind of get that dopamine hit and we've done a couple episodes on this area like psychology of money and how people buy things but. It's getting past the need to kind of get that satisfaction from just the act of acquiring something and then just this is where the discipline comes in and this is where we can kind of talk about how to actually save your money.
But yeah, we have to kind of preamble that would just kind of be in control and just don't rely on that little hit you get from walking the cannings or the bag of candy you probably won't eat. Yeah, but this is what we're stacked up against and this is why saving money is so hard.
And that is apart from the bills that we have apart from inflation apart from the regular culprits that we like to point our fingers at the psychology of it is what makes it so hard our inherent desire our primal desire to take care of ourselves to the best of our ability coupled with our primal need to do it in this moment right now and not in the future.
Because you don't know where the future is you don't know what it's going to look like or what it's going to hold yeah to kind of double back to the coffee talk if we're at work we want to coffee now we got like six different places to pick from the guac. We do we got Tim's we got starbucks we got waves and blends and McDonald's and the bakery and a couple other places and our espresso machine is better than all of them well spent Christine money well spent.
And I guess this is really where we start having those budget conversations again and where we start talking about what is important to us in our lifestyle so like I said in my life in my lifestyle as silly as it sounds the amount of enjoyment I get out of a cup of espresso to start my day is actually something that can set the tone of the day for me versus you know just kind of willy nilly spending
impulsively but I think the point of this exercise is when you're going through your budget and when you're looking at where the money is stretched then it's just creating that awareness for you of what is worth it and what is not and what is meaningful spending and what is just kind of mindless frivolous we didn't have time we're spending reactively we're spending because of stress because if we're going to kind of carry through with this theme of financial
planner confessions today I mean when cam and I moved last year we started spending a lot more convenience we just we're saying you know what hey we're moving we're kind of in the throws of it there's boxes everywhere we need to take out we need to get some food right now we've got angry
hungry kids and it's hard to break that mentality sometimes where money then becomes a tool to meet a need and if you don't have the time or you're feeling otherwise stressed it's so much easier to pay someone else to do the work for you the cooking the preparing all that chopping all of that stuff but it is not a good financial decision and you justify it because of stress you justify it because
of how fast you have to run each day but you miss the fact that these decisions compound actually hurt you over the long term or they can depending on what your goals are.
Yeah that kind of decision about convenience about when we moved carried over to then we had my family over for the better part of month and then I carried over to your family over for the better part of the month and then there's about two three months of reno's and more chaos and then by the time we knew it would gone from June to pretty much the end of January.
Yeah and I mean that's how kind of unrest in your life can kind of lead to your bank account not being so happy but the point is even though we were in a position where there was extra money we found a way to spend it and when you know there's money in the bank account it's
much much easier to justify a decision based on this will simplify my life or based on I just don't want to be bothered or I'm exhausted today let's let's convenience spend our way out of this and I mean this is a challenge that we have that we are still struggling with right now where we're talking to each other we're going hey we do this professionally it's about time but I will say we were we were absolute champs for like seven years before the kids and then like chaos.
Chaos and so we did great and then we got a dog and then we got kids now we're dealing with two kids grabbing hold the pantry door and screaming at the same time and one of them loves to eat like you would not believe food is life and life is food but let's go back to money saving tips money saving tips number one the thing that worked the best for me if you truly believe that everyone or most of us will spend to the max of our income then one way to kind of solve this problem
and one way that worked for us to kind of solve this problem of spending everything you have in your bank account is just deliberately moving money out of your bank account right away towards a goal or towards a debt or towards
whatever it is that you're working on but it needs to physically get out of the account become inaccessible to you or hard to access and put it in a place that moves you forward so that you feel like there is positive momentum there and that act for me for years like I said we had seven years
where we were able to do a absolute ton of savings and this was rule number one each paycheck go through the simple budget figure out what you need keep a little bit of float because hey life happens and then do not live beyond your means your new stated means so it's not your income anymore
it's budget driven and your budget can be based on any decision you make about what's important and if that is high lifestyle then that's your choice if you've got the money and you want to enjoy certain things all the power to you you earn that money it's yours to spend
but if you have debts or if you have other goals or there's progress that you need to make in a different area maybe that should be the priority and maybe this is where the mentality shift happens where it's no longer about chasing the lifestyle now it's about chasing the better that could happen and what your life could be if you have a solid vision about what you want and if that vision is compelling enough to you to get out of this I know you want to get out of this
I need it right now headspace so another mentality that I think people have to break to be able to save money effectively is attached to this mentality we have around our credit cards and our lines of credit and basically easy cash like in our wallets today at any point in time you have huge purchasing power and like Cam was alluding to money has kind of become this surreal just numbers on a screen
transaction based thing where okay you're just trading credit back and forth you're trading a couple bucks come out here a couple bucks go in there it all evens out at the end of the month we hope we hope we're still in the black and not going into the red but it becomes almost this you don't feel it the same way you don't see it the same way it's just it's numbers on a screen and most of us honestly don't like numbers all that much so getting this shift in your mind that you do
not have access to limitless money is something that you have to wrap your head around because we like to believe that anything we want we can have and the way that we've kind of handle this in our own lives is we have something that we call a fun money account which is basically pre planned every month we move a certain
dollar amount into a side account that can be used for bigger purchases that are going to come up and these purchases for us are just for fun so these are the espresso machines of the world these are the vacation we might want to take these are or don't want to take but these are the things that we look
forward to that we've pre planned that we know are going to be coming or even you know what we don't know what it is that we're going to want in the future but we're going to want money available for it so rather than seeing something suddenly a couple hundred bucks that you have to reach into your pocket today and find well no we've been funding this account for a while now and when the thing comes up the money is there the sad the third tip I guess we're on number three
now is to kind of institute that pause if the reaction that is happening in your mind is based on a feeling that you get when you spend causing a pause causing an intentional break or a delay in that thought pattern can be crucial to disrupt the automatic you know click pull out the credit card click on my screen click on my phone now I've got a thing and I don't even remember what I bought the next day like there's things showing up in my house why are these things here
yes like me going the Amazon app you can just click the buy now but you don't have to go through the checkout or click this and click I just hit one button that just shows up but that's exactly what this is tailored to right it's trying to remove any dissonance between that purchase and trying to make it so easy that you do it without thinking so the solution to that is to actually do the reverse it's to make it harder to do that thing
so some people will take their credit card and take it right out of their wallet leave it at home and if you run your bank account the way that we do where there's only a couple hundred bucks in there you cannot make that purchase you have to physically go home transfer money go back to the store and decide if you still want to do it
on the flip side some people won't fill their credit card information into these automatic payment websites like whatever cited is that you go too regularly where you just all your credit card information is pre-filled click click done some people will have to go through the physical act of taking out that card getting your wallet
punching in that ridiculously long sequence of numbers and checking the expiry date and checking the number on the back and that can be a deterrent in and of itself because it's no longer simple it's no longer a gut reaction and it causes that pause that makes you think do I want this and when your mind has to do some work your mind does not like that your mind wants to be sitting on a couch with a bag of chips and a cup of coffee
so basically if you are creating a hurdle that you have to climb to get to the thing you want your brains can be like is that worth it if I have to go back to the store if I have to get off of my couch and walk across the room or into the other room or find my wallet and then get my you know this number and that number
is it worth it anymore and that same line if it's a bigger purchase some people will sleep on it for a night or put like a 24 hour or 48 hour freeze period in there where they do not make that purchase until they've sat on it and thought about the trade off of is this worth it to me
yeah that's something I do lots will just kind of keep with the Amazon example if I find something interesting and like that I will throw it on my wish list and it'll sit there for a few days or a week or it'll never get looked at again until it shows up in the price reduced kind of subsection you can kind of get with your wish list some time
algorithms at their finest right hey you want to buy this do you want to buy it now it's 10% cheaper do you want to buy it now it's 15% cheaper if it was that easy to be actually quite healthy but depending what you're buying the kind of fluctuates up and down some things never go down some things go down certain times a year but
like said what I do to kind of save money still kind of get the things I want off my fun money list is I will just keep track until it kind of lowers down to a price rather than seeing it for their year for some going oh no and just grab a hold of it it just it's going to sit there I got stuff that's been sitting my wish list for like four or five years waiting for a decent price or just I'm still flip flopping on whether I want it
it's that being able to delay gratification right it's that being able to check yourself or have a process in place to check yourself and I mean some people like it's some people in relationships if they're coupled they'll have a decision point where
over a certain dollar amount they have to have a conversation with their partner if they have shared bank accounts and things like that some people hate that right some people hate the idea of having to check in with someone to spend money but in those cases I encourage people to kind of write it down right there justification for it down just for their own eyes
so that it goes from a thought in your brain that might even not be a conscious thought like I want it's shiny it's nice it's fun justify it to yourself justify it to yourself in a coherent sentence that you have to put on a
teacher that you have to explain as if you were explaining to someone else and if the rationale behind it is not there if there's no logic behind it or if it detracts from other goals instead of enhances them or if it's just a gut reaction then maybe it's not the right decision but it's kind of having these
points in there for yourself that allow you to stop and say does this make sense well one thing I've done that it will help me anyway is it kind of assess value is I will kind of take the minimum wage approach so if I see an item I calculate them ahead and figure out how many hours of minimum wage would I have to work to get this thing and that is sort of like a grand
filter I use for a lot of stuff and it's funny because I find that the cheaper the item is the more impactful that kind of thinking is it's like I think back to some of the old crappy jobs I did when I was young and I think what I do three to four hours of that work to get this thing off the shelf probably not
well I mean you can think of it in terms of your hourly rate right now as well right like that great trade we make any money transaction is actually a time transaction you've traded so much amount of your time to earn the money to put in your bank account to now get this thing or to now solve this problem
but that ability to see it as a unit of your life that you can never get back is that trade worth it is it actually enhancing your life in any way or is it just something that you're doing to fill the time is this a hobby is this an entertainment
and if it is is there something else that can kind of fill that gap for you right like if we find our happiness if we find our fulfillment if we find a sense of connection elsewhere maybe there's less of a need to get that little boost in your mood if there's other things meaningful in your life that give you value then maybe it will reduce your desire to spend right and if you're with people that are good
and positive and support you maybe you need to impress them isn't as high as it would be in other social connections or in other circumstances like that but I would say kind of going back to the tips for a minute here what helps rather than kind of trying to whitewash this whole thing is oh budget everything get over analytical about everything which to be like let's very honest most of us will not do let's zero in into one area of spending or what is that is not going to be a good idea
of spending or one area of overspending that moves the needle something people won't do but still buy books about because they felt so good when they did it you know I should really write a book about no I'm joking actually I am but anyways let's zero in on one area that really moves the needle in your overspending and that is consistently being an area where it's taking up more of your budget than it should
and I mean I look at categories like food food is a great example food is one that is really easy to justify in your mind like hey we need to eat but my goodness there's there's so many levels like you can buy raw materials like anything in this world you can buy raw materials and do it yourself and it'll cost you way less or you can buy a finished product that you've paid a premium for you can even get it delivered to your house right same with basically anything the cost of buying something in part of your house
and you can buy something in putting in the work yourself depending on the value of your time and the value of your expertise and whatever area we're talking about I mean can be a huge way to save money so can things like shopping at discount stores I mean we have a grocery store that tailors to maybe more of a high end in our neighborhood that's like five minutes from our house or we can drive 20 minutes and go to the discount will save a lot of money overall but is less convenience store
this is a very interesting ongoing battle in our lives because one saves us a lot of money and you always walk out of there feeling pretty good because you saved a lot of money but the other one's five minutes away guys and that is a hard battle to fight some days the more expensive one is five minutes away but they also still do the bag for you which is a great thing you got a pair of kids screaming at you at the same time fair point
I kind of talk about the grocery store so like one of the tips that I kind of do because I I am doing the bulk of it is I kind of take a U shape approach whenever I go to these stores most the time now I walk in I deal with the fruits and the veggies and I do my turn and I go through the dally in the dairy then I turn again I go through the rest of the dairy and the bakery and I just
check out ignore everything in the middle that's one of the few ways actually save some money right now to do a lot of it yourself and you ignore 80% of what is in the middle of the store for sure and we're big proponents of meal planning we don't do it as often as we like anymore with the kids but it's with something we talk about quite a bit right because it is such a great way to not only have food on hand but to have a plan going into the week that you can kind of execute on the amount of money that we waste when we don't do it.
Because you're running out the door you got the kids lunches to make yours kind of falls off the the bandwagon right so just being prepared going into these things is such a huge huge help and support and I guess I mean if you guys have older kids or no kids at all depending on where you are in life maybe it's not the mad chaos that it is in our house but it's true that preparation alleviates a lot of unnecessary
spending in a lot of areas and I know that when you're shopping cam you look at like price per unit you look at bulk pricing you look at things like that as well. Yes we live in this fantastical futures world where everyone has a calculator in their pocket but no one uses it but we all do have calculators in our pockets we also have all of the information of the world on the internet in our phones in our pockets so yes too much knowledge out there.
And that's how you end up with shows like this right people with microphones also in your pocket but it's not about over analyzing it's not about looking at every single area of your life and your small decisions that will get exhausting and will not accomplish enough to really justify the action what you're looking for is patterns you're looking for things that you fall into you're looking for reactions even emotional reactions or convenience.
Or convenience or areas where you spend that over time will compound into something material and move you away from the future you want and the life that you want and further separate you from your goals right because this is the poll this is the constant tension between now and later and this dichotomy that we find ourselves in on a daily basis.
And of course I mean we haven't even really gotten into today like the traditional stuff that you'll find all over the internet about reducing bills or subscriptions or look at your transportation and your spend there I mean there's so much out there about the different areas that you can look at some people look at their budgets as a percentage base I like to look at them as needs based based on where you live or you work how you do life.
Because some people will choose naturally to put more into one category of spending versus another and I think that's personal choice I don't think that's that's anything that you should stick everyone into the exact same metric it doesn't really work like that it's what people value and what they're working towards.
So this was maybe our less than conventional tips to save money right like we didn't really talk about coupon clipping we didn't really talk about internet comparisons we didn't talk about negotiating down with your I don't know phone provider or whatever provider of service to get a better deal or rates and those are all good things you should do exactly do you want to choose company one company to our company three. Because it's an all a gopally here.
True true true you like to color coordinate your the companies you subscribe to depends on what I'm wearing that day but yes I will say that we wanted to give a bit of a spin on this because like I said there is so much generic information and I think understanding the psychology and having a better inner look on your own mentality as your psychology is that you're going to be able to do that.
So you're going to be able to work on your own mentality as you're spending as you're making decisions actually is much more impactful to your budget to the choices that you make every time you spend money you're making a choice and it's a choice that we hope aligns with your greatest priority and your greatest goal.
So I'm trying to disrupt that thinking a little bit and get you out of that reactive mentality where you're just going to buy because it feels good to buy and end result be damned kind of thing right let's look at the end result now and let's look at the end result over the long term and let's look at how these patterns build in our life and how they compound over time.
So that's how we saw money saving tips and we hope this was helpful to someone like I said it's a little bit off the beaten path but you can get all that generic stuff out there anyways so if you want a little bit more unconventional talking or if you want more information about things like the simple budget and you're in BC Alberta or Saskatchewan please feel free to find us at brownfinancial brownfinancial.com.
Yeah, you can get more hot tips like save money by not leaving your house and not talking to anyone and staying off the internet. Introverts for the win. Cam and I both were a great couple we go nowhere. But remember to log on to your channel once a week and download this podcast. Yeah, click subscribe, like, say everybody. Tell everybody we're awesome. Join us on Instagram. I still have to keep making content there. It's been so busy. Let me tell you but we are trying really really hard to
bring fresh ideas to you on a regular basis. We hope you have a great week and as always take care. And where's my bag of candy? Well, you're not adorable in three. But this is the point and the point is. Oh, no. Oh, that's going in the credits. The point is it's 10 30 at night on a Saturday one more day. It's Friday. It's Friday. I really need to get out more.