I Think I Want to Marry Gail Vaz-OxladeWednesday, December 03, 2014
A number of weeks ago, I joined some fellow P&Gmom bloggers at a special brunch with Canada’s self-proclaimed ‘money-honey’, Gail Vaz-Oxlade. Truth be told, I was looking forward to socializing with my blogging buddies and catching up with the P&Gmom team. The idea of talking about financial literacy, however,... snore. It could have something to do with having to listen to my husband talk about investing and the stock markets and blah, blah, blah, over the past ten years. There's only so much my brain is willing to absorb when it comes to financial matters. But after this fun and informative event, I am starting to think I should have married Gail Vaz-Oxlade instead.
Talking Common Cents with money management guru @GailVazOxlade #PGmomsocial #FLM2014 pic.twitter.com/U8cpuuvHQq— Diana M. (@TeacherMomOfTwo) October 25, 2014
This money management guru bases much of her beliefs on common sense. But, as my former vice-principal used to joke, the problem with common sense is that it isn't so common. I think that's why I liked him so much - because he had a great sense of humour. And I think that's why I love Gail. She is bloody hilarious! And anyone who can make me laugh while talking about finances is by default a friend of mine for life.
Throughout Gail's presentation, we learned many money-saving tips. This event was in anticipation of 'Use Your Common Cents Day’ on November 4th, a day dedicated to educating Canadians on better budgeting and financial literacy. Given that November is Financial Literacy Month, it is an ideal time to empower Canadians to use their common sense when it comes to spending. Especially since it precedes the holiday season when many a budget is derailed due to unforeseen holiday spending.
Luckily, Canadians can now visit www.savingmadesimple.ca for helpful tips and advice from Gail on how to gear-up for successful savings. You can also register to have access to print-at-home coupons on top brands, exclusive samples and daily inspiration every day of the year. It's all in the name of Common Cents!
Gail Vaz-Oxlade’s Common “Cents” Tips
- Do a spending analysis – Knowing where your money is going is half the battle. Go through your past six months of spending, including groceries, household expenses, utilities, rent/mortgage, clothing and entertainment, and analyze just how much money went where. You want to understand the areas in which you’re overspending.
- “Common Cents” comparisons – In addition to doing a spending analysis, it’s time to shop smart and look for products that will stretch your dollar. So many people default to value brands thinking they equal savings. Not always! If you need to use more of a budget-product or rewash items to get the same results you’re not saving a thing. Look to trusted products such as Tide Simply Clean and Fresh, Charmin Basic and Ultra Dawn that offer value and efficacy.
- Plan your purchases and stick to your budget – To avoid impulse purchases, plan head, make a list, and use cash! Avoid overspending by taking cash from the ATM twice a month and planning how you’ll use that money. When it’s gone, you’re done shopping.
- Common “Cents” Couponing – Common sense couponing can equal cash! Websites such as savingmadesimple.ca offer deals and coupons to save on products you already use and love. Flyers can also be a useful tool for finding great deals from the stores you regularly shop at and for price- matching.
- Save your savings – Too often people don’t actually save their savings; they simply find another way to spend it. Working towards a big goal like a vacation or a special purchase? Every time you save a cent by shopping smart, send those savings to your high interest savings account where you can watch them grow.
- Don’t be a money moron – In the end, it’s important to be conscious of what you’re doing with your money. Be conscious of how you’re using your money so you’re always working towards reaching your goals.
- Ultra Dawn Dish Washing Liquid – $3.99
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- Tide Simply Clean & Fresh – $9.99
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Disclosure: I am a P&Gmom. As part of my affiliation with this group I receive products and special access to P&G events and opportunities. The opinions on this blog are my own.