A Money Coach in Canada

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Note to my beta testers (you know who you are):

Dear Beta Testers –

We’re off and running! The first 10 folks who signed up way back in January have received their invites and are diving in. If there are no significant bugs, the next 25 of you will receive your invites (by e-mail) this Friday (March 11th), then the next 25 the following week etc.

If you’re not a beta tester and wonder what all this is about — check out my business website, Your Money by Design. My online money-coaching program will be available to the general public in early April, assuming all goes well now that we’re putting the program to the real-world test.

Photo Credit: Will Lion

It sounded easy enough.
And the result was passable. But who wants passable? I wanted Reece’s Peanut Butter Cups in a jar! I wanted over-the-top indulgence! I wanted heavenly breakfasts! And frugal, too!

Any ideas what I need to do differently?

Here are the ingredients. I just used the oil from the organic peanut butter. I suspect the peanuts were too old (I’ve had them in a sealed bag for a couple years. That’s too old, right?)

The next thing that went wrong was that my food processor kept overheating. I was supposed to liquify the peanuts. This took 5 minutes of steady blending (or whatever it’s called). Is it possible I burned the peanuts as they were liquifying?

I ended up getting a jar of the stuff. It looks nice, for whatever that’s worth.

And the next morning on my eggos it sufficed, but only sufficed. As you can see, it’s kind of grainy. Not silky smooth like I was hoping for.

Royal Exchange Glasgow

Well I guess it’s not too surprising the Border’s is declaring bankruptcy. The way we read has changed as radically as the way we listen to music. Still, I’m sad to see the demise of anything to do with books.

And of course grim shenanigans in the Canadian Parliament. CIDA unexpectedly denies KAIROS, a respected, ecumenical social justice organisation, $7M in grant money. Except it turns out CIDA didn’t deny it. Bev Oda, our Minister of International Cooperation did. But said she didn’t, which is essentially lying to parliament. The Speaker caller her out. Harper defended her. Nobody’s buying it.

The Canadian Treasury Board and the Dep’t of Finance experienced a serious cyber-attack. Not to worry, the budget is safe.

Great quote from one of my top five money books (“The secret language of money” – not my fave title for it but what can you do?):

Money means less when true inner peace exists; it becomes a simple medium of exchange, free from complex meanings or hopes of enhanced self-worth.

Makes you think, eh?

30 years ago cars, banks and print media talked of SPAM (a brand of sandwich spread) for guest, cars for kids and banks to save the financial burdens of marriage. 1967 A culture we have left behind

As you can imagine, I’ve done a lot of work with couples who had differing views on money. There are plenty of approaches available to mitigate the tension although as we all know issues about money are rarely issues about Money! Usually it is issues about accountability to one another, or resistance to it; it was about comfort and discomfort around debt or risk; it was about security or insecurity.

The good news for couples with different ways of handling money is it usually means there are a distinct skill sets also being brought to the table. In fact, differing viewpoints, when combined, often led to a stronger economic unit than when two parties were, say, equally blind-eye to issues or both had a lop-sided approach. While similar approaches may have led to harmony, the bank book often suffered.

Here’s one easy exercise for couples with differing ways of handling money.

1. Each person should have a paper and pen (and perhaps a bottle of wine will help!) and sit down together.

2. Take ten minutes individually to write out your respective partner’s strengths. Not weaknesses! Genuine strengths. If your partner really angers you about money, you may need to dig deep here. Is it possible his spending brings more fun into your family life? Is it possible her control-freakiness is in fact keeping you out of peril? Is it possible her generosity is something you love in other facets of your life together? Is it possible his higher-risk investments have yielded, or might yield, a far better future for you?

3. After writing them out, read them aloud to one another. This could be the first time in a long time your partner has heard something positive about them re: money from you! Above all, do not blow it by injecting any subtle or not-subtle biting comments. Keep it 100% positive.

4. Then, take all the strengths and combine them in a list. Read and re-read that list. This is what you have to work with, as an Economic Unit.

5. Place that list somewhere visible. Don’t lose track of it. You ARE an economic unit. This list can become your play-book.

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