My Car needs a B1?

My car needs a B-1….Bingo! Wait, that’s not it. That’s a bingo call:)

What the heck’s a B1?

In a previous article, you read that I paid $100 for a pho soup, but it was actually for a parking ticket. Well, the update is I didn’t pay that. I fought the ticket and got it reduced to $50, but my day got worse when I brought the card to the mechanic.
A B1 is a car tune up that includes an oil change, tire rotation, 50 point break inspection. They tell me it’s going to be $223.yikes! Well, it has to be done, so I signed the paper. Yes, they make you sing the paper to show you agreed to the price.  Then ½ hour later the young guy comes back and had to get someone else to tell me the bad news that my breaks needed to be replaced. Now the total would be $800…Are you f…ing kidding me. I finally have enough savings to take a trip with the man and now this!!!
Funny car breaking down
I found this image doing a search on car breaking down. Sorry, don’t know the reference, but if you do, please send it to me so i can update.
Well, the employee was kind enough to offer me 10% off the bill, but that’s still a lot.
What’s the lesson here? Stop worrying about money, do some research before you agree to the bill, maintain the vehicle and be financially prepared that it will cost you $600 – 1200$ a year to maintain your car. So, START SAVINGS so there are no surprisesL I now need to work out a new plan to put that money back for our cruise trip. If you have any ideas, I would love to hear them.


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My $100 pho soup

I bet you’re thinking I’m crazy. Well, I thought so too when I got the bill, but it’s not the bill you think.
I was having a rough day last week and was exhausted. So when I feel like crap, I like to eat pho soup because it makes me feel good. So, I drove 2o minutes to go and eat at my favorite place, only to see there is a sign saying they are CLOSED for a WEEK!!! I eat pho once a week, so this made me sad, but…I needed pho soup.  So I went to try a different restaurant just up the street. It was a nice ambiance. Much more modern than my old favorite places, but…the service is slowwww. Picture this, I am the only person in the restaurant. I assume she’s going to check on me to see if I’m ready to order. Nope. She’s on her cell phone. I had to pop my head out and put the menu at the end of the table so that she could see me move.
When I got my meal it was really good, a bit saltier than I like, but I would definitely go back.  When I was taking out my wallet, a sign caught my attention. I could hardly read that it said cash only. That might explain why not a lot of people at 6:00pm…dinner time. Thank god I had money, but they also had a debit machine. However, if you know of those machines, they charge $2.00 or MORE to take out money, plus your bank charges you $2.00. I have been trying to take out at least $20 a week to be sure I have cash on me. Thank god I had cash that day.
no stopping
OK, so you’re probably wondering where the $100 comes from, well, it’s from a parking ticket!!! I parked in front of the restaurant where there was a supposedly no stopping sign. If you look at the street sign I highlighted in yellow, you will see 3 signs. WTF would they put 3 signs. Why couldn’t they just put a post NO PARKING HERE! I was exhausted that day so I read the first one of meter parking and the last one that showed an arrow to not park behind where I parked. Well, that’s what happens you’re tired. You don’t read things right.
If  I was the owner or the person that worked there (hint hint), I would maybe suggested to the patrons if they are parked there to move so they don’t get a $100 ticket! Even though the food was good, I won’t likely go back because I am going to be reminded of the ticket…Nah, I’ll still go, but I will mention it to the owner about the parking and to ask the patrons about where they parked. After all, you don’t want to have angry clients, even if you didn’t do it.
I know it’s my fault and I am taking responsibility to pay it, but I don’t have to be happy with it. I think it’s a ridiculous price to not park there.
What was the lesson that day? Focus, pay attention to things around you and to stop worrying about money because money will keep disappearing. Oh that is so true. I got another bill the next day for something else. To see what happened, read my article “My car needs a B-1….Bingo!”


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How to make FREE invoices in 5 minutes or less

I am selling the book I wrote called “Turn your cottage into money” and needed to have an invoice, but I wasn’t sure what to put on it and I didn’t really want to set it up. So, I naturally searched Google and found Vortex42. They have a TON of forms to help you with your business. One of them I used is the invoice template. It worked great and very easy to use.

Here’s one I just did for a realtor. Click on the link: Realtor-invoice


Try it and send me a link to what you used.

Good luck and have fun growing your business.


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How to get stuff done when you have too many things to do

How to get stuff done when you have too many things to do

Are you feeling that you have so much to do, but not enough time? You have a full-time job and you are trying to run a part-time business. Maybe you have a family and you need to help with homework, or you have to get dinner ready. And let’s not forget house cleaning, and getting groceries. YOU JUST CAN’T DO IT ALL! Or can you? If you can, you are SUPERWOMAN and I bow to you. But for those who are like me and can’t, here’s my suggestion to help you get through it.

STOP! Take a breath. Breathe in and out sloooooowly. I know you feel like you don’t have time to slow down, but ask yourself this “do I feel like I’m getting things done or just too tired to do anything?”  So again, I am asking you to Breath in deep and breath out sloooooowly. turtleDo like the turtle at my cottage does..walks like no one is in a hurray. So, you have to go around him, but I stop and smile at him because it’s a reminder to me too. Now, we can talk.

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I’m overwhelmed with everything I have to do

pexels-photoCan you relate to how I’m feeling?  I’m trying to grow my business, but I’m working full-time and then when I do have some free time, I’m told I need to write an article or a blog and post it on my website and tell EVERYONE I know, then go out and network with people but what happens if you don’t these types of events i.e. dancing or just talking to strangers, and when I do meet people I have to try and get them to become clients. Don’t forget when you get home, make dinner, clean the house, take care of the dog, the kids and the man! Arrrg:( I feel exhausted just thinking about this. What happens for me when I feel like this I get paralyzed and don’t want to do anything. Do you get that way too?  Well don’t worry, I have found a solution and I’m going to share it with you.

Step 1 – chunk it down.

I met with my Coach Christine and I gave her a list of things we need to do to grow my business and she said “it’s A LOT!” I knew that to mean, she won’t do all of So, I asked her to give me some suggestions to how I can make it more manageable and she broke the tasks into manageable chunks. So, instead of having a list of 42 things to do, I now have 5 things to do to grow my business. For example:

  1. The Plan
    • Write a 1 page business plan (goals) to identify why you want to run your own business. what does it look like (vision board) and how will you keep with your goals on those tough days (affirmations), etc.
  2. Action Steps to get growing
    • create 5 pages for my new website, find fun images to add to it, brainstorm ideas of things I can write about, etc.
  3. Spread the word
    • create an elevator pitch to use when meeting new people (networking and having fun)
  4. Check in
    • schedule each of these tasks, but also check after each month what happened i.e. did i get more prospects, what event had more of my ideal clients or people who could refer them to me, check my 1 page business plan to see if i’m on target and if not what do I need to do to get back there i.e. remember why I’m running a business (vision board).


Home…not so sweet home

Here’s my suggestions to help with the house chores and finding ways to reduce time and money.


  • let your partner and kids know that you’re feeling overwhelmed and ask if they could help with the chores. I’m amazed when I ask nicely how he does things for me, even at times without asking.
  • or do what I do and call a cleaning to come and clean at least once a month. I am SUPER happy when she does and….my man gets more loving wife because of it.

Meal preppingfood-salad-restaurant-person

  • this could be fun, but also time consuming. I look on Pinterest to find 7 day meal plans, then I prep at least 3 breakfasts & lunches and snacks and dinner we do each night because we like to eat  fresh, actually he likes it more fresh than me, but he does the BBQ, so I don’t say anything:)

For me, chunking things down and asking for help has been a huge relief because I can now feel more relaxed and  I have to remind myself that I don’t have to do it all, and it doesn’t have to get done right now.

Let me know what happens, and if you have other ideas please share. The more ideas we have, the more we can help each other eliminate or reduce the overwhelm.


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Do you have a list of things you want to do before you die?

I’ve been reading Jack Canfield’s book The Success PrinciplesHow to get from where you are to where you want to be. One of the activities he ask you to do is to write out a list of 101  goals you want to accomplish before you die. At first I thought it was fun because I love writing lists, but then I got stumped. I think I got to 53 and then nothing. No more fun ideas came. So, I put it asside and asked my mastermind group, which is only 1 person and myself, what he put on his list. This helped get the juices flowing again and I managed to come up with 123.

Here’s what I plan do to before I die. Now, I need to warn you because there’s one on the list that I had to remove because it’s rated R for adults.

  1. Written weekly blog that describe my life and how I achieved and had fun
  2. Go on 365 fun dates with the Man
  3. Go on a fun cruise ship vacation with great food and lots of ports to visit
  4. Ride in a Hot air balloon
  5. Build a storage or small cottage using free pallets
  6. Buy an investment cottage paid in full
  7. Scuba Dive in the ocean and find treasure
  8. Celebrate my 10 year anniversary (year 2021) with the Man with family/friends that is so much fun doing games, eating, laughing
  9. Take part in a New Years Eve scavenger hunt
  10. Attend my high school reunion in 2020
  11. Go portaging
  12. Move into a beautiful 3 bedroom beautifully decorated and very cozy home with a basement and garage for the Man and an office for my business.
  13. Go horseback riding with friends and loving the ride and the air
  14. Go see a US football game
  15. Travel to Italy, ride the gondola and eat real pizza
  16. Travel to Greece, eat greek food and swim in the crystal water and sit on the edge of mountain looking out
  17. Travel to Thailand – eat, meditate and ride the boat and ride an elephant
  18. Travel to India – meditate and take a yoga class
  19. Travel to Las Vegas to people watch and go and see Cirque du soleil
  20. Travel to Nashville to listen to country bands like Garth Brooks, Tim Magraw
  21. Travel to San Francisco and ride the trolley
  22. REMOVED, but still on my person list to do…RATED R
  23. Go see a live circus

    Photo by Becky Phan
  24. Do a weekend camping trip where you sleep outside and ride horses all day
  25. Go zip lining and scream “I love my life”
  26. Learn to surf
  27. Take part in a polar bear dunk
  28. Attend a drum camp with Camp Ocanto (
  29. Attend an Eco Expo and learn and be open (
  30. Take a bar/ballet class (
  31. Make a pattern and sew a beautiful dress to wear anytime
  32. Go see the Summer Olympics in a foreign country and explore the culture
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How to save for retirement when you have no savings?

Are you self-employed living pay check to pay check? Do you have any money saved for retirement? Maybe you have a part-time business like me because you won’t have enough even with a government pension.

Are you assuming the government will take care of you? Or maybe you don’t plan to retire, but what if, just what if, something happens to you and you get injured? Do you have disability insurance?

I met a nice man a little while back and he told me sheepishly that he’s 55 and doesn’t have anything saved:(. I feel so bad for him because he will have to work until he’s 70 to at least get something to live on because CPP and Old Age Security doesn’t’ kick in until then, and I’m not sure he will qualify for it because he doesn’t contribute to it.

I gave him a suggestion that I learned to do 20 years ago and that was to start saving a small amount every month to help put towards retirement. I suggested 3 – 5% for the first 6 months, and then increase it to 6 – 10% for the next 6 month, up until he’s got at least 20% put away. For example, if you were making $2,000 a month, 3% of that would be $60 a month. I’m sure you can manage that. Heck, I’ve bought dinner out for my man and I and spent that. However, if you times that over 10 year, that will only be $7,200. But if he gradually gets to 20% and saves that for 10 years, he will have $48,000 and that’s without interest being accumulated.

Now, if you want to get free money from a bank, I would suggest you open a Tangerine account for retirement savings and they will give you $25 or $50, depends which promotion their doing, just for opening and account.

I just made $50 from Tangerine bank which is affiliated to Scotia Bank. Do you want to make $50 easily from a BANK??? My friend emailed me telling me that Tangerine was offering new clients $50 just for opening an account.  The only catch to getting the $50 is that you have to deposit $100 and that’s it. My friend also said you can even take your money back later, but I was actually looking for a way to save more for my vacation. So, I plan to leave it there and let it grow. It’s VERY legit. Here’s what happened. I opened the account and got an email to say congrats and asked me to verify if there was a deposit in my regular bank account, which there was. I think it was 24 cents. I thought that was funny. Hey, it’s still free money again. Then, I got another email telling me that in order for myself and my friend to each get $50 I would simply need to deposit $100 into my new savings account. Once Tangerine verified, I would get an email confirming it was deposited and that’s it. So, I deposited the money and within a few days got $50 in my Tangerine account. Woohoo! The bank is finally paying me for doing business with them.

tangerine deposit

If you want to get the same deal, just go to  and when it asks you to enter Referred by a friend, please enter my Tangerine account #46012150S1 and that way, we will both get money from the bank.

Now, if you want to get even more money from them, they are also offering $25 I think for simply doing an automatic deposit monthly. I believe the amount is $100 each month, which again I am doing because I want the extra FREE money and, I am saving for my trip in December down south.

Now, if you want to help our your friends too after you open up your account, tell your friends the same thing and get them to open an account and they and you too will get FREE money deposited.

Here’s to vacations and retirement savings.

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All you have to do is…Just Ask

consignment pink top

Last week I told my man that I would get rid of the clothes, shoes and stuff I haven’t worn or doesn’t fit. Reason is because they are just sitting in a box, but I really liked them and didn’t want to give them up. I thought to myself that someone will buy them, but I wasn’t doing anything to get them sold. Actually, that’s not true. I posted them on Facebook, but maybe the images weren’t the best, but only one of my friends acknowledged. That’s not what I was hoping for.  In any case, I went for a walk today during my lunch hour and saw a cute little consignment store (Second Glance). I remembered my coach Christine telling me about it and that they had reasonable prices and good stuff. So stopped in and sure enough, they had really cute items and very reasonably priced, but as I looked at the labels, they said Jones New York, Zara or Jacob. So, my negative ego said “don’t ask, she’s going to say no”, but my other side, the intuition or what my coach calls “the whisper”. She was telling me “just ask….just ask…you have nothing to lose”. So I did. I asked Paula Norton, the owner for her business card, and asked if she only sold brand labels and..she said “no, we sell everything.” I told her about my situation about having bought clothing online but the sizes were not correct.

I pointed at my top I was wearing and she said to bring them in as they will likely sell fast. Sorry for the bad photo. I was trying to do this with a Nokia and well, the phone doesn’t take the best images, and…I need a selfie stick to be able to take photos of myself while doing things like selling items.  I then asked Paula and her team if there was a trick to getting creases out without having to iron because the clothing has been in bags that were shipped and also in the boxes. Her employee replied “you don’t have to, I’m the ironer.” Say Whaaat??? Turns out they iron and…they use their own hangers. So, I don’t have to do anything. Talk about amazing service and everything I wanted. Oh and she said “we don’t do bookings. Just come in when you can, except on Thursday and Saturday because those are our busiest days.” Not a problem because most of the times that other places accepted drop offs, I wasn’t able. Talk about a win-win.

I am SUPER happy because

1) I am doing what I promised my man I would do i.e. get rid of stuff,

2) not just getting rid of stuff, but selling it to someone who will appreciate them as much as I do, and

3) making some of my money back which will go directly into my savings for retirement. It’s not going to be much, but hey, it would have been $0.00 if I didn’t start.

Moral or purpose of the story is, if you are trying to grow your business or make room for other things in your life, you have to be willing to let go of the past so that your future can move in. Let go of the clothes that no longer fit. Give them to someone else who will wear them with pride. Sign up for that coaching program, knowing that full-well you will make that money back that you paid for it.

Stay tuned to June 30th to see how much I made.


P.S. I’m trying to track to see how long it takes to write a blog and this one took 30 minutes. So, if you’re looking to create a business and will need to write blogs/stories for it, take note that the average time it takes a newbie is about 25 – 35 minutes.

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BBQ’d Greek cilantro meatballs in 15 minutes!

I wanted something different this week other than cooked meat like breast chicken, steak, pork or fish and found a great idea for meatballs on eatwell101, but I changed up the recipe to meat my needs…get it “meat”…ha ha. In any case, here’s the recipe I made. Lets hope it tastes good.

BBQ’d Greek cilantro meatballs

I borrowed the image from, but will put my own up after I cook them.

For the meatballs:

  • lean ground chicken (cheaper and healthier)
  • ½ small onions, finely chopped
  • Left over cilantro, finely chopped
  • Salt and fresh cracked black pepper
  • 2 tablespoons olive oil
  • 1 egg
  • 1/3 cup (30g) bread crumbs


For the dipping sauce:

  • 1 small cup size plain yogurt
  • ½ lebanese cucumber, finely diced
  • 1 teaspoon dill


  1. 1. Preheat your BBQ to high
  2. Combine with ground meat
  3. Scoop up the mixture to make bite size balls
  4. put in a tray on the bbq so they don’t fall through the cracks for 10-15 minutes, until cooked.
  5. Mix yogourt, cuccumbers and dill spice together.

Serve with dipping sauce, rice if you want, and tomatoes on the side.

Here’s the original recipe I told you I don’t do the exact same thing.

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Before and after of a cluttered office and mind

2 weeks ago I set out to make some changes, one in particular was to change my office set up because it was getting crowded and ugly. This is what it looked liked:

office before


And this is what it looks like now. I feel like I can work alllll night. Actually, that’s not true. I’m tired today, but will be sure to keep it clean.

office after

So, what did I do to get it looking organized? I did 1 thing at a time and I didn’t try to do it all in one day. It took me a few weeks and it was ugly in my office. Gotta love a patient hubby. Thanks honey:)

  1. move the bookshelf
  2. take the books off the bookshelf before moving it…he he
  3. put books in a box if i’m not going to read them for the next 6 months.
  4. go through the files on my desk and look at 10 papers or 1 folder ONLY
  5. organize the tasks in folders for each month and do only those things. So, right now May is fun things and reading about marketing and website design, which you might notice I keep changing, but that’s what this website is all about…having fun and trying things.

Here’s to hoping your projects turn out.


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