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CentsAbility Challenge – Mom Dad CuppaKids
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CentsAbility Challenge

Changing the World

#CentsAbility Savings for a Month Gave a Salary for a Year

What you need to know about Chris and I is that we are firm believers of equity among all people and have a tremendous discomfort in being “class-ified.” As Canadians, being catered to or receiving privilege when others don’t, just doesn’t feel right in our world. So on our Mt. Kilimanjaro climb, it was important for us to get to know our guides leading us on the trip.

Thanks to Intrepid Travel we had an incredible group of professional guides on our team. Simon (our lead guide), Soster, Dismas and Joaquim were our saviours on the climb. They got us to the top and kept us going through the 6 day trek. As we walked, we talked about their families, their village, their way of life.

Our Kili crew
Our whole Intrepid Kili Crew

It was surreal for us discovering how high Tanzanian unemployment was, how grateful they were to pick up these treks up the mountain (Guiding Kilimanjaro expeditions being their only source of income), how essential it was to them to provide an education for their children and how for them, family was everything.

When we came home, we looked up and found the average annual salary in Tanzania was $1500 for the year.

FOR… THE… YEAR…

Take note the next time you think of hashtagging #FirstWorldProblems.

We have been working with The Intrepid Foundation to match any donations we raised with our #TeamPowell Kili Climb on a quest to support Kiliproject.org, (Village Education Project Kilimanjaro), which provides educational opportunities for boys & girls in Tanzania. This rings so true in our hearts.

So this easily became our goal for the @Manulife #CentsAbility Challenge.

To fund a year’s worth of salary for Kiliproject.org and help bring equity and education to an area that 100% needs our help.

Here is a rundown on how we changed it up for October to help create change.

1) We had a Garage Sale.

There is something other-worldly coming home to so much stuff when you meet children who have no bed. So we immediately set out to have a garage sale and get rid some of the “stuff” suffocating us here at our house.

Next time your kid whines about not getting something, talk to them about children their age having nothing… no clean water, no extra clothes, no bed, no school. Funny how that quiets them down.

Money Raised: $240

 2) Changing up my “office”

Working as a mobile office, Starbucks tends to be my stop between meetings ,which I have to say is not good for my wallet or my waistline. I started actively seeking out libraries or common areas to head to to do my work as an alternative to the usual.

Library over Starbucks 15 Days/mth X average bill of $10/visit

Money saved this month: $150

(Cost Savings per year say at $100/mth = $1200)

 3) Active couponing

I am not a great couponer but after I was introduced to the Flipp App at the Manulife #CentsAbility lunch at BlissDom Canada, I am feeling a lot more game to give it a try. The cool part of this app is that it collects all of your favourite shops in one location and provides you their weekly flyer. This gave us the ability to flag the coupons we wanted and add them to our shopping list so it was RIGHT where when we needed it. PERFECT. Over the last 4 weeks, the hubs and I have managed to save at least $20/week via smart coupon decisions.

We also have been accumulating cash on our PC Plus Card for Loblaws (a grocery store in Canada) which provides savings offers and a cash back on all your grocery purchases. Perfect time to redeem that accumulating cash on the card.

Money Saved this month: $ 80

(Cost Savings per year $ 960)

Using our PC Plus Rewards to redeem at Loblaws $30

4) Cancelling a number of our monthly auto pay subscriptions

Listen, if I was using them..no problem but when I realized that I had been paying for a Weight Watchers Subscription ($20/mth), a GoodLife Membership ($50/mth), a monthly magazine subscription ($10/mth), too many royalty free stock image sites to count ($20/mth) and we weren’t using any of, it was time to shut ‘er down.

Money Saved this month: $100

(Cost Savings per year $1200)

5) Changing up work habits

I do a lot of client meetings and find the best form of meeting is a casual one over a meal.

However, explaining what we were doing, I found common place with a number of clients who were tired of the usual lunch meetings and were game when I suggested we meet for exercise or a walk instead. Rather than spending an average bill of $35-50 taking them out for a meal, we got healthy AND I stuck to the #CentsAbility Challenge.

I also made the simple effort of switching lunch meetings to coffee meetings which greatly changed my daily work spend.

The last part was while travelling for business to Vancouver.  I was introduced to the benefits of the Fairmont’s President’s Club  (Many Thanks Rob!).  As I was staying at two different ones for two conferences this couldn’t have been better advice. Signing up for the President’s Club provided free wifi, a host of value adds & because their customer service is so epic, they shuttled my luggage to the other hotel saving me the cost of a taxi to take over my stuff across town.

Hosting 2 meetings while suggesting exercising vs lunch $70/week

Money saved this month $ 280

(Cost Savings per year $ 3,360)

Switching 1 lunch meeting to coffee meeting $5 vs $35/week

Money Saved this month $ 120

(Cost Savings per year $ 1,440)

Fairmont’s President’s Club Benefits

Money Saved this month  $55

So the month has come to end as has our #CentsAbility Challenge and we are SO very proud to say that with the efforts we put towards being financially conscious in October we managed to raise/save $1,055.

With the Intrepid Foundations match we will be sending $ 2,110 to help support this worthy cause!

It also showed us what saving money better could do for us on a yearly basis and help us strive for our next goal….

To go back to Africa with our kids.

I can’t thank Manulife enough for putting this out there as a goal for us to try to achieve. It has truly been life-changing.

 

Our Intrepid Guides - Simon, Soster and Joaquim
Our Intrepid Guides – Simon, Soster and Joaquim

 

For information on the @Manulife #CentsAbility Challenge .

Other #CentsAbility Challengers: CommonCentsMom , DaddyBlogger, MyDirt, CristaClips, Shasherslife, 3Chickensanda Boat

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Family Matters

The #CentsAbility of Sharing

Our #CentsAbility Challenge

My dad has a lot of sense when it comes to money.  He can tell you with acute clarity how much my folks have in savings, investments and the cost of running the house.

I somehow did not inherit this trait in terms of good money practice and how to save.

This is why when Manulife put out the call to try a #CentsAbility Challenge for the month of October, I was 100% totally and completely IN.

We are solid in terms of putting money aside for savings like our kids RESP and for our RRSP, but I do find myself too often surprised and asking, “where exactly did the money go?”

The #CentsAbility challenge is setting us on the right path of planning before we go out and stopping the purchase of the “Impulse Buy” in order to take back the money we work so hard to make.

But for us…there is a catch.

We had the opportunity to go to Tanzania last month to climb Mt. Kilimanjaro as our way of celebrating the milestones we have met this year (10th Anniversary & 40th Birthday).

We booked our trip through Intrepid Travel (who I personally adore) and because it was important to us to do something more than just go, we got connected with the Intrepid Foundation right before we left.

The Intrepid Foundation is a not-for-profit fund that helps travelers give back to the communities they visit. They are supported by Intrepid Travel, Geckos Adventures and Peregrine Adventures which means all the admin costs for the fund are covered by those companies. They also match donations dollar for dollar which for me, and this #CentsAbility challenge, makes my heart sing.

The Intrepid Foundation introduced us to the Kiliproject.org which promotes education opportunities within the Kilimanjaro area. We have a #TeamPowell fundraising campaign going (again the match people, take advantage of the match!) and plan to keep it a continued goal in our world moving forward.

You see, when we were on the trip, I had an opportunity to get to know our guides (6 days hiking on a mountain can help with that!) local villagers, children, and “business owners.” I learned about costs of living, costs of education, gas, healthcare, retirement… for them it was “what is retirement?” not “when is retirement?”.

If you ever want to get a hard knock perspective on your life compared to what life could be like in another country, check out If it were my home. It provided us a serious look at how vast life is different between Canada and Tanzania. Tanzanian’s average YEARLY salary is about $1,400.

When we came home to our bungalow in Toronto, it felt like it was a palatial mansion. The clothes in our closet, the toys, everything just made me kind of grossed out.

We just have SO MUCH STUFF and it suddenly felt like we could easily do without much of it, if it means providing dollars that can change someone’s year over in Tanzania.

So our goal in the #CentsAbility challenge is to pull back as much as possible to help raise those much needed dollars for KiliProject.org. We are totally game in ways in which we can do this and are watching all the #CentsAbility challengers to find ways we can help make a difference.

CentsAbility
We apparently are both fans of this image AND of saving money

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