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Martha Worboy

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10 Things You Didn't Know About Indigo

Filed under: Celebs & Money, Employment & Careers, Economizer, Entrepreneurship, Shopping

It's the largest book retailer in Canada and some even blame the demise of the independent bookstore in our country on the book retailing giant. It's core business is books and - to a degree - music, but the store also has become known for selling lifestyle products, including toys and decorative home accessories. It's become a haven for people who want to take their time browsing magazines and fiction and who might want a Starbucks latte while they're at it. But despite the obvious, there might be a few things you didn't know about Indigo's story and the top people behind it. Have a look at 10 things you didn't know about Indigo:

{C}SLIDESHOW: 10 Things You Didn't Know About Indigo

1. Banning of Mein Kampf2. Sale of Kobo unit3. The Indigo boycott movement4. The Love of Reading Foundation5. The academics' protest6. Bookstores merge to form Indigo7. The controversy over lifestyle products8.  Switching political sides

Five Ways to Get Fit For Free This Summer

Filed under: Budgeting & Planning, Family Finances, Food & Drink, Health, Saving, Shopping, Television, Your Home

You're tired of dreading summer because it means more time in shorts and a swimsuit so you've made a commitment to get back into shape. That's great but... How? Unless you're part of the one per cent, personal trainers may be out of the question. Gyms are fine but at $60-$100 a month they add up too. Even purchasing home exercise equipment can mean spending a large sum of money at first. Here are five ways you can re-discover your best bod without having monthly fees or investing big money into a home gym.

SLIDESHOW: Cheap or Free Ways To Get Fit For Summer

Bring a Trainer HomeStart RunningThere's an App for ThatStart ReadingPay Attention to Your Diet Too

Room Renovation On A Budget: What To Splurge And Skimp On

Filed under: Budgeting & Planning, Economizer, Family Finances, House & Home, Saving, Shopping, Weird & Wonderful, Real Estate, Going Green, Your Home

Room Renovation On a BudgetIf you're craving a freshness in your home that won't be satisfied by simply moving a few things around, maybe it's time for a change. In my case it was a loveseat my two young sons have outgrown (since they started wrestling on it) that sparked our home renovation. It was time to get a new, bigger, plusher couch. Now that we've purchased said couch and it's arriving in six to eight weeks, it's sparked even bigger changes. But I've learned through our renovation there are certain areas where it makes sense to splurge and certain areas where it makes more sense to save.

Here are some tips on affording a room renovation you'll actually finish:

SLIDESHOW: Room Reno on a Budget

1. Spend More On Big-Ticket Items That Will Last.2. Spend Your Money On Something That'll Improve Your Lifestyle.3. Punch Up Your Room With Paint.4. Go Neutral With Drapes, Couches And Rugs.5. Get Creative With Lighting.6. Knick-Knacks Can Be Inexpensive And Add Character.7. Save On Art By DIYing.Recycle By Reupholstering.

Five Things You Didn't Know About Canada's Big Banks

Filed under: Family Finances, Investing, Saving, Mortgages

Greece and Cyprus are a mess and much of Europe is poised to join them. Canada's relative stability has been credited to, among others, the conservative and risk-averse nature of our five big banks -- RBC, TD Bank, CIBC, Scotiabank and BMO. Over the past five years Canadians have gained a new appreciation for our banking system and yet, there are some key things that many of us don't know -- but should -- about our big banks and how we interact with them.

SLIDESHOW: 5 Things You Didn't Know About the Big Five Banks

They're not all the same.Service charges are more important to you than they are to them.They all owe each other.They're all international companies.Some things are negotiable. Some things aren't.


Five Budget-Friendly Ways to Get Your Backyard Ready for BBQ Season

Filed under: Family Finances, Food & Drink, House & Home, Saving, Shopping, Your Home

how to beautify your home for lessGood weather is flirting with us. It's tossing its hair and making some serious eye contact. My advice is to enjoy the attention but don't get too attached just yet. Still, you know that sometime soon a long term relationship is coming and that a lot of quality time will be spent in your backyard.

Here are five inexpensive things you can do to prepare your outside space for the coming love affair.


SLIDESHOW: Beautify Your Backyard for Less

Advanced LandscapingFloraPaintFurniture and Decorating




RELATED LINKS:
Do it Yourself: What You Don't Need to Pay for This Spring
Get More Bang for Your Spring Cleaning Buck
Home Improvements that Get Your House Sold

The Cost of Spring Tune-Ups: Your Bike vs.Your Car

Filed under: Bargains & Freebies, Budgeting & Planning, Family Finances, Health, Saving, Shopping, Travel

Now that the roads are clear, Canadians are dusting off helmets and reflective jackets and pulling out their bikes to get to work. It's not just cyclists who want to hit the road during the warmer months. Drivers who love getting out in their car in the great wide open have no doubt started planning where they'll be traveling to. But whether you're a cyclist or a driver or both, what you really need to start thinking about this time of year is making sure your "vehicle" is fit to go where you want to take it. Here's what the experts say you need to do to make sure your bike or car is tuned up for spring:


in the car versus bicycle contest, bicycles win as they are cheaper to buy and maintain


Related Links:
Top 10 Tips for Budget Family Travel
Do it Yourself: What You Don't Need to Pay for This Spring
Spring Cleaning: Seven Steps to Get Your Financial House in Order


Fashion Under $40 for Your Spring/Summer Wardrobe

Filed under: Bargains & Freebies, Daily Deal, Family Finances, Saving, Shopping

I don't know about you but with every new season I feel the urge to update my wardrobe. Spring especially breeds this feeling, perhaps because I know it means pretty soon I won't be hiding my fashion concoctions under a coat.

A new wardrobe can mean big money but if you're simply adding to it with some accent pieces or the odd new staple, staying au courant in this age of fast fashion can be surprisingly cheap. Here are some affordable finds to stay on trend this spring:




SLIDESHOW: Spring Fashion Finds Under $40

spring fashion trends under $40
Pastel PantsEyelet LaceStatement SunglassesLow Heeled Shoes or FlatsSporty DressHatsStripes




RELATED LINKS:
Do it Yourself: What You Don't Need to Pay for This Spring
Get More Bang for Your Spring Cleaning Buck
Spring Cleaning: Seven Steps to Getting Your Financial House in Order

Do It Yourself: What You Don't Need to Pay For This Spring

Filed under: Family Finances, House & Home, Saving, Your Home

I'm not cheap but I'm not a sucker either. I understand that most of the services we end up paying for we do so because of the convenience. But now that spring has arrived and the wear and tear of winter is showing up everywhere, I'm realizing there's a lot of manual work to be done and it could be so much more satisfying if I do it myself. This spring, if I know how to do something I'm keeping my wallet in my pocket and rolling up my sleeves. Here are a few things you could be doing yourself that will save you money:

Painting
I've got steady hands, an iron will and a step-ladder so if I need a couple of rooms painted in my house, I'm going to do it. Hiring pros costs thousands of dollars and for basic painting jobs involving drywall and right-angles, that's an unnecessary expense. Yes, it will take up your weekend and yes your skin will not appreciate the turpentine bath but you'll feel satisfied and richer by Monday.

March Madness: Tips on Making Money the Old Fashioned Way

Filed under: Budgeting & Planning, Weird & Wonderful, Pop's Wallet

March Madness, the Big Dance, Bettor's Paradise. Whatever you call it, the NCAA men's college basketball tournament, which starts March 19th, is a blast. If you know what you're doing it's also a money-making opportunity. Now, I am not endorsing gambling but if you like a flutter now and then, this is a good time as any to get in some action. March Madness gambling usually takes place within the confines of "brackets" where a participant joins with friends or online, lays down some cash and essentially tries to divine the outcomes of games all the way to the final. There are 64 teams in the tournament so guesswork plays a big role. Here are five tips to maximize your opportunity of coming out ahead this year.

Trust Nobody
If you're only a casual basketball fan and you don't follow college hoops regularly, don't trust your friend who spends his Saturdays analyzing screen plays and picks and rolls. If he's in your pool he's going to lead you astray. Think about it, would you counsel your colleagues at work on how to get a promotion that you want too? Same principle applies here.

Need Emergency Daycare? Five Tips to Guide You

Filed under: Budgeting & Planning, Employment & Careers, Family Finances

As a mom, I've used just about every type of daycare there is: homecare, nannies, babysitters, nursery school, a parent co-op. I've also taken advantage of rare but generous offerings by extended family members for the odd date night. Hiring any kind of care for your child can be a stressful process, and that stress can be heightened if you have a constraint on time. Here are some tips on finding the right care for you, whether you need immediate help so you can get to work or you urgently need a break.

1. Go through an agency.
If your full-time nanny of several years has suddenly left you, you need to get to work and time is not on your side, you may need to spend extra money and hire an agency. There are services out there that provide immediate care at a higher price, like the In a Pinch agency in Toronto and Ottawa, which provides "professional backup childcare and babysitting" at a cost (rates begin at $18 an hour). One of the benefits of hiring such a service is that all of the background checks you would otherwise spend time doing are done and the sitter you're provided with will have been screened for CPR and first aid training. So, not only are you paying for immediacy but for peace of mind. And while you make use of the high-cost "backup" service, you can use the extra time to look for more permanent daycare at a lower cost.

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