How to give back without breaking the bank: donations and tithing

When looking for ways to give back, there are many creative ways to donate without breaking the bank.

4 small luxuries I gave up to save hundreds a year

When I decided to move out from a rent-free situation with my parents to living in a downtown condominium with my brother, I knew I'd be facing more financial challenges. I was (and continue to be) determined to be financially secure and independent without going into debt.

Although media makes it seem aspirational to live glamourously, its just not sustainable for those of us that aren't making excessive amounts of money. Exercising delayed gratification a lot of the time is what the rest of us have to practice in order to afford the things we want without going into the red.

From cutting these four habits,
I have saved a total of $6,208 per year -
which goes straight into my savings! 

Its amazing going from living paycheque to paycheque to having a little bit more in my pocket to go towards things that are important to me - financial security now and into old age.

Giving up these luxuries - small or large has made me realize how much these "conveniences" add up, and how quickly!

7 ways to become financially savvy in 2014