Saving enough money and maintaining a sustainable withdrawal rate are two pieces that form part of the big picture of a comfortable retirement. The Retire Happy blog wrote about how Designing your Retirement Lifestyle can offer better understanding and a smoother transition.

Working from home can seem like an attractive proposition that offers the option to pick the hours needed to fulfill employment obligations, while being able to take care of personal affairs without the typical workplace restrictions. However, there are many people who may struggle without the conventional structure of a workplace environment. For such folks, the Canadian Finance Blog showed how to Stay Focused When You Work From Home.

The Blunt Bean Counter featured a second guest post on the topic of estate planning with blended families. The first post addressed the situation when a marriage contract exists and the latest one discussed the situation when there is no contract: Blended Families are Twice the Estate Planning Fun…What, No Marriage Contract?.

If you are a Rogers First Rewards loyalty program member, then it may be disappointing to learn that the program is being shut down by June 2016. The Canadian Personal Finance Blog highlighted the story of how Your Rogers VIP Points will be Worthless Soon.

Stephen Weyman gets into shopping details and explains Grocery Store tricks and how to avoid them.

Waiting to get into the real estate market in Canada? Wondering when it may cool off a little, so that you can partake in the steadily-increasing growth pattern? Young and Thrifty came to your aid with a post about an eBook that covers The Nuts and Bolts of Buying a House in Canada.

It is not surprising that an investor’s performance differs from the investment’s performance. Reasons are aplenty with chasing returns being at the forefront in the case of active investors. However, as Michael James on Money pointed out, passive investors also run risks. His solution? Taking My Investment Decisions Out of the Loop.

Sustainable Personal Finance shed some light on the similarity that exists between mortgage and insurance brokers through the post The Dirty Secret Your Life Insurance Broker Isn’t Telling You.

Budgeting and tracking expenses are likely to be the starting points for anyone wanting to gain a better understanding of their cash flow situation. Nonetheless, these tasks need not have to become mountains that seem nearly impossible to climb as Boomer & Echo showed: Get A Handle On Your Expenses: Simplify And Save.

Mr. Money Mustache provided his thoughts on how focus, festivity and flow are Three Investments with an Instant Guaranteed Return that anyone can engage in.


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  1. Michael James on February 12, 2016 at 10:37 am

    On the subject of working from home, I actually get more work done at home because there are so few distractions there. This wouldn’t have been true when my kids were young, though. Thanks for the mention.

  2. Stephen Weyman on February 12, 2016 at 11:08 pm

    Thanks for the feature FT, always appreciated. Have yourself a great weekend!

  3. Big Cajun Man (AW) on February 14, 2016 at 10:11 am

    Yes, although I am no longer a Rogers customer, I did spend as many of my reward points as I could (before I left). Enjoy your HBO now, who knows what their new system will be. Thanks for the inclusion this week.

  4. SST on February 15, 2016 at 2:32 am

    Is it just me or has this website declined significantly since the completion of the titular Journey?

    The last 30 days, for instance, has seen a new FT post but once a week. Perhaps MDJ lost its mojo (and relevance) after hitting the million mark.

  5. FrugalTrader on February 15, 2016 at 1:09 pm

    Hi SST,

    I appreciate the feedback, but it would be more helpful if you included suggestions on how you think this blog could improve.


    • SST on February 15, 2016 at 10:14 pm

      Improvement? Guess that all depends on who is your target audience and your goal for the website.

      33% of your last month’s writings were on currency swapping — most likely reserved for a niche crowd.
      Another 33% of the writings were sponsored and re-posted links.
      The rest were just copy-&-pastes from CRA.

      Seems like the effort has gone out the window and there’s a lot of coat-tail riding. If you just want to collect ad revenue and let guests fill the majority of the content, then so be it. It would be a pity for MDJ to become another AOL or MySpace.

      You’ve covered so much ground and provided an immense amount of information since you began this site, there’s definitely no taking that away from you.

      But moving forward…do you have a defined goal for MDJ? Perhaps being an engineer you subconsciously created MDJ with planned obselence. I don’t know.

      My two suggestions: install a user forum in conjunction with the main site where your readership can openly post and discuss what is relevant to them, instead of having to wait for possible new FT articles.
      My second suggestion would be to explore not-so-mainstream topics which relate to personal finance (e.g. behavioural finance).
      You could also interview other PF bloggers and money-type personalites (e.g. Gail Vaz-Oxlade).

      Two cents. :)

  6. FrugalTrader on February 16, 2016 at 8:57 am

    Hi SST,

    Thanks for the feedback, you have some really good ideas. About a forum, I’ve actually thought about that, but restricted from doing so for a little while longer due to the sale of my last forum. I do like the suggestion of pairing down the advanced topics a little and writing towards a broader reader base and pf interviews. Keep the ideas coming!

  7. Sadia Komal on February 18, 2016 at 8:22 am

    FrugalTrader , Buying a house in canada a superb idea for retirement life. :)

    • John on March 10, 2016 at 8:28 pm

      Hi Sadia, nice to see you again. We met once.
      Real Estate is the place to be. Worked well for me and actually had a friend who owned a few houses, waited till all were paid off and upon his retirement sold two and continued to live in the third one, his own home.
      This beat all other markets plus there was little he did over the years to maintain his investment. The part that appealed to me was that the fact that the investment was tangible. You could touch the house, stand on the lot etc.. and actually enjoy your investment visually as well.
      Take care.

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