Frugal Living 101Hacks

Your Word of the Year is…

Many people look to the new year as a clean slate. This will be the year I am happy, healthy, in shape, successful….insert your favourite positive adjective here. We start off on January 1st with the best of intentions, but so often we slip back into old habits, and our resolutions fail.

I’ve got your word of the year, and it’s going to help you accomplish anything you want!

Just like all of you, I’ve got goals and things I want to accomplish this year. I have big plans for this little site for 2019, and I hope I’m able to find time to accomplish them. I ended 2018 checking off a major goal, of finally transferring my site and being self hosted. That was stressful, and scary, but I did it! And my next goal, one that I’ve had for a few years, I’m praying I can make work this year, but it won’t be easy with such a busy year ahead.

I’m going to share with you my secret to following through, and how to stick to those resolutions, and get things accomplished!

This coming year is a major one for our family, as we pack up and leave the town my husband and I have lived in pretty much our entire lives. The town where most of our family lives. The only home our children have known, and where all their friends are. We have prayed so much about this move over the last 2 or 3 years, and it’s finally happening!

Our dream house is almost finished, and we are working our butts off to get this current house in great shape to list it (if you follow me on Instagram you’ve seen all the projects and painting we’ve done). We are so excited to be moving from the Greater Toronto Area of millions of people, to a tiny village of just 1300! I cannot wait to get settled in our new home, and get involved in our new community and Parish.

We have worked so hard over the last 11 years being frugal, going without the latest stuff, not taking fancy trips to Disney, so that we could save money and pay off our mortgage faster. We lived on a budget and didn’t spend more than we made. It wasn’t easy, but it was worth it.

All the tips and tricks and hacks I’ve shared on this blog with all of you, they worked!

I guess, looking at it now, one of my biggest goals is going to be checked off in the next few years. I think it’s a goal most people have: being mortgage free.

We are going to be mortgage free by the time we are 40 years old. We will own our home, no mortgage payments, not owing money to anyone for anything. It’s an incredible feeling. I keep hearing though, that we are “lucky” for something like this to happen, but luck has nothing to do with it. For us, it’s all about effort.

People love picking a word for the up coming year, something to help them focus their resolutions and goals.

For 2019, I want your word to be effort.

Whatever your goal is. No matter what your resolution is. Make an effort. Put effort into whatever you want to accomplish this year. It’s not going to happen on it’s own. Successful people, happy people, healthy people, they all put effort into whatever they do, it’s the only way to actually get stuff done. It seems simple, honestly the best ideas usually are. But is putting effort in easy? No, of course not, but it’s worth it!

My husband and I have both made an effort since we were kids, to be smart with money, and to accomplish what we wanted. If we wanted a new bike or video game system, we made an effort to earn money to pay for it. From having multiple jobs so we could buy frivolous things as teenagers, to getting jobs right after University to pay off student loans and cars, it all took effort to save money and say no to one thing in order to accomplish something else.

You want to be in great shape? It takes effort to work out and eat right.

You want a clean and organized home? It takes effort everyday to keep things tidy.

You want to be mortgage free one day, have no debt? It takes years of effort to get there.

Instant gratification is such a problem these days; you can watch your favourite tv show instantly, and your purchase arrives at your door right away. But that healthy body, that clean home, and that savings account aren’t instant. Whatever you resolution is for the year, it’s going to take effort.

Big goals like being debt free, or even something small like smiling more; they all take effort. Whether you started something new months ago, last week, or yesterday. Or you have plans to start something new later this year, make sure you put some effort into it.

We have such a big year ahead of us, it’s taken years of effort to get to this point, and it’s going to take so much more effort in the coming months. Effort to get this house sold, to move, to get settled. To make new friends and find our place in our new community. What you put into something is what you will get back out. It’s all about effort!

Here’s to a amazing 2019! Happy New Year!


Make sure you follow me on Instagram to see how my 2019 year plays out! 

word of the year




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