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Tag: Finances

What the Heck is Spark and Shift Money?

Posted on by Roberta Hill

Ever hear a phrase and think, “Wait… what does that actually mean?” Most money frameworks are about saving, optimizing, or “being responsible.”This one’s about aliveness. It is the Two-Tier Net Worth Framework — a simple, human way to build joy and meaning into how you use your money. Here’s how it works: The Two-Tier Net Worth Framework 0.01% = Spark Money Tiny, guilt-free amounts that keep life playful. You use it regularly — monthly or even weekly. The rule: spend it without spreadsheets, no second-guessing. Examples (Net Worth $500,000 → $50): A perfect croissant + café day. Museum ticket and…

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Airfare Deals

How to Outsmart the Sky and Minimize Flying Costs

Posted on by Roberta Hill

Let’s begin with this: You will never really outsmart airlines, but you can reduce your costs. There’s a special kind of joy that comes with booking a flight at a price that makes your friends raise their eyebrows and mutter, “How did you manage that?” Truth is, it’s less about secret tricks and more about shifting your travel mindset—equal parts patience, timing, and a dash of creativity. After all, flying is rarely the highlight of the trip. Why not let it sting your wallet a little less? Recent Example: I spend a lot of time looking for the best flights….

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Slow Money: Earn a little while still living a rich life

Posted on by Roberta Hill

A few years into my self-employment as an organizational development specialist and leadership coach, I began receiving questions from colleagues. They wanted to know how I managed to shape my work into the lifestyle I wanted. I’d smile and tell them the truth: the real secret wasn’t about hustling harder, or chasing bigger contracts—it was about asking one deceptively simple question: How much do I actually need to live the life I want? Not “how much do I think I need,” but the real number. In my first year as a self-employed solopreneur, I did exceptionally well. I earned more…

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Ten Things To Ensure Your Travels Can Continue

Posted on by Roberta Hill

Ten Real Things You Can Start Doing Today as a Retiree to Ensure Your Travels Can Continue in This Age of Economic Upheaval Retirement should be a time of exploration and adventure, but with the current economic climate, many seniors are feeling the pinch. However, there are practical steps you can take to keep your travel dreams alive. Here are ten actionable strategies to help you travel smartly and sustainably, along with my take on them. 1. Create a Travel Budget Start by assessing your finances. List your income sources, including pensions, Social Security, and any savings. Then, determine how…

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Smart Travel Money Three Big Travel Questions Best Credit Cards Best Travel Credit Cards

The Benefits of Carrying a Zero-Balance Credit Card on Your Trip

Posted on by Roberta Hill

My partner and I always carried one different bank credit card each whenever we travelled. Before we became partners, we had two from our previous bank, so we were all set. We used only one of the cards, and I kept the other in case the first didn’t work. I can’t tell you how many times either our debit cards or our credit cards didn’t work. We have discovered that credit cards may work well in stores, but rarely to get cash from bank machines. In Cinque Terre, we didn’t find an ATM at a bank that worked for us…

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Cost to Go Around the Gaspé Peninsula

Posted on by Roberta Hill

Lately, I’ve been completely underestimating my budget by 25-30%. Over the past year, prices have gone up a ridiculous amount. Sometimes, I might get a great deal on airfare, but the most significant cost of travelling is accommodation. Extended stays and Trusted Housesitters can reduce your costs if you’re into slow travel and a more nomadic lifestyle. Unfortunately, that’s not always what we had planned. Our recent trip around the Gaspé Peninsula cost us 25% more than I had initially determined. I should’ve known immediately when booking hotels. I knew this was in high season and had planned it at…

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Smart Travel Money Three Big Travel Questions Best Credit Cards Best Travel Credit Cards

Best Travel Credit Cards

Posted on by Roberta Hill

When figuring out the best travel credit cards, I considered several criteria to maximize benefits and minimize inconveniences. I ended up getting two different ones than the one I had. First and foremost, it’s crucial to choose a card with no foreign transaction fees. Many credit cards charge a hefty fee for transactions abroad, which can quickly add up. The range is from 1% to 3%, but in my experience, the usual charge is 2.5%. Opting for a card that waives these fees means your purchases are processed without extra charges, making it cost-effective for frequent travellers. Another critical factor…

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Taxes While Travelling

Issues with Taxes While Travelling

Posted on by Roberta Hill

Navigate the complexities of managing your taxes while traveling. Discover essential tips and strategies for tax residency, income tax considerations, VAT refunds, and more in this detailed guide. Dealing with Taxes While Travelling We are traveling to South America in a weeks time and I find myself for all pieces of paper to finalize our taxes before we leave. Everything has not been loaded to Revenue Canada for me to import into the software. While we were overseas for 15 years, I was able for the first few years to use my accountant, then when our lives got a little…

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Airfare Deals

Navigating Airfare Deals: How to Score the Best Price on Your Next Flight

Posted on by Roberta Hill

Travelling by air can be an exciting experience, but finding affordable tickets often feels like searching for a needle in a haystack. With fluctuating prices, an overwhelming number of booking platforms, and airline jargon, snagging a good deal requires more than just luck. Here’s your guide to understanding and mastering the art of finding budget-friendly airfare deals. 1. Understanding Airfare Pricing Airline ticket prices are dynamic and can change based on demand, season, fuel costs, and other factors. Airlines use sophisticated algorithms to adjust prices in real-time. This means the price you see today might differ tomorrow or even in…

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