5 Ways to Spend Less Now

Spending less is like going on a diet. We rely on will power with out a method or system to reach our goals. And just like most diets we are doomed to failure.

Over time our debt starts to balloon and the only solution is a drastic change of spending habits. Unfortunately, just like crash dieting, the lasting effects of these changes only end in frustration and we eventually give up.

For most of us spending too much is not an illness but is a learned behaviour. The good new is this  behaviour can be changed.

After more than 15 years in the financial industry watching what works and what doesn't, here are 5 proven strategies that work in every day life to spend less and have more control over your financial life.

Retirement Can Be Funny

The topic of financial management and retirement is a serious financial issue for many. Will you have enough to live with dignity, how do you deal with your investments when the financial markets are down, and what if you live too long? 


The answer for most financial companies is to scare their customers in to making hard decisions.


Nationwide Insurance in the UK has come up with a lighter approach in a series of commercials under the banner "Life comes At You Faster than you think".


Check out these videos -- very funny!

How Credit Cards Make Money

Credit Card Companies make billions of dollars every year. We all know this and except this reality when we choose to use plastic. 


But just how is all this money made? 


You maybe surprised to find out that a credit card company makes money in four ways. (Make sure to check the diagram below for a complete illustration)

About Mike Hassard

I moved to the Okanagan Valley in 1992 with my wife Babara and my two daughters to help open Future Shop in Kelowna. I was attracted to the Kelowna lifestyle and the great environment for my family.

When retail became an every increasing demand on our lives … I made a change to the financial services industry.