Is Loonie To Toonie - Financial Basics For Canadians Available As A Free PDF?

A parent in my son's preschool group chat tagged me out of nowhere. "Theo's dad, your son's lunches always look pretty nice. Starting tomorrow, pack one for my daughter too." "I'm not asking for free food. I'll give you ten dollars a day. That adds up. You can make a little extra on the side." I stared at the message, almost laughing from how absurd it was. My son has severe food sensitivities and a fragile stomach. Every ingredient in his meals is specially sourced, and a single lunch costs far more than five hundred dollars to prepare. And this man thought ten dollars could buy it? I replied with two words: "Not happening." The next day, my son came home crying. His lunch had been taken by another child, and the teacher had scolded him for being selfish. Fine. Since they wanted to push this far, I would show them exactly how far I could go.

I happen to come across a popular post regarding a company's finance department on social media. "Seriously, that person in the sales department is such an idiot! All I wanted was to claim reimbursement under her name for the bag I bought, and yet she still refused! "Since she doesn't want me to reimburse my bag, then she can forget about reimbursing everything! This time, I'll teach her a lesson about what happens when she offends a member of the finance department!" There are many bashing comments in the comment section, but the original poster doesn't care at all. She continues adopting a haughty tone. "What am I scared of? The finance department is extremely vital to the company! I refuse to believe that the boss has the courage to offend me, the most important person alive, just to stand up for a sales employee who's easily replaceable!" As I stare at the familiar profile picture belonging to the original poster, I can't help but mentally sneer. She wants to suspend all of my reimbursements, huh? Go ahead, then! This time, I'd like to see what the consequences are for offending a member of the finance department!

My mother-in-law is extremely frugal. She reuses paper others have discarded, carefully saving the unmarked portions. She even takes the black waste oil from the kitchen range hood and uses it to cook our meals. She says, "Frugality is a virtue—it brings blessings!" I try tirelessly to convince her otherwise, throwing out all her filthy items to protect my family's health. But while she praises me to my face, behind my back, she uses my baby's food scissors to clip her grimy toenails. My child eventually dies of a lung infection, leaving me heartbroken. My mother-in-law, however, points her finger at me, saying I'm unlucky and that I've brought misfortune to their family. Even my husband blames me. In the end, they use a knitting needle to pierce my throat and stab me to death. When I open my eyes again, I find myself back on the day I first see her picking up dirty paper. The first thing I do is hide all the high-quality tissue paper I had stocked up on before my pregnancy, pretending I knew nothing. She calls these blessings, right? Fine. The blessings of this miserly frugality—she can reap them all herself!

As soon as I get off the surgical table after my miscarriage, my husband, Presley Quinn, sends me a text message. "You were ten cents short when you paid your share of the power bill this month. Transfer the money to me immediately." I can only sit on the cold bench in the hospital on my own. The anesthesia has yet to wear out, but my belly is already hurting so much that I can practically feel it constricting on itself. The next thing I know, a new post appears on my social media homepage. It's a post made by Vivienne Ashford, the intern Presley is in charge of tutoring. In the photo, Vivienne can be seen holding a bouquet of flowers folded from money bills. A bright and radiant smile blooms on her face. The four-leaf clover necklace adorning her neck is the same necklace I've seen in Presley's purchase history two days ago. The caption of the photo writes, "I don't want a lot of money. I want a ton of love instead." Only then do I remember that today is Valentine's Day as well as my fifth-year anniversary with Presley. Over the past five years, Presley and I have been splitting every single bill, down to two decimal places. If I take a shower for more than 20 minutes, Presley demands that I pay extra for the water heater's power bill. When I cook myself some supper in the middle of the night, Presley wants me to split the gas bill generated by the stove. Even when my mom is hospitalized due to kidney failure and is waiting for her surgical bills to be settled, Presley refuses to lend me a single cent. Instead, he sends me a few links leading to web loans. As I stare at the social media feed, I chuckle all of a sudden. It turns out that Presley does know how to spend money. It's just that he doesn't have the heart to spend it on me. I smile once again as I leave a like on the post. Then, I transfer the ten cents to Presley. From now on, I don't owe him any single penny.

I was the stingiest rich wife in the city’s high society. I did not spend money on beauty treatments or travel. In fact, I did not even own a single decent outfit or a handbag. Everyone laughed at me. They said I had the fortune of a wealthy family but not the luck to enjoy it. However, what they did not know was that behind closed doors, Arvid Hans, who was famous for his lavish spending, was a hundred times stingier than I was. He piled on gold and jewels to keep up appearances in public. However, with me, he was a miser, refusing to spend a single extra penny. We split every expense down to the last penny. Every meal and every prescription required a receipt and an entry in the ledger. He said this was to help me develop a business mindset. He said that fairness and caution were the keys to a lasting relationship. While other wives were decked out in expensive jewelry, I was dressed simply. He said I was naturally beautiful and did not need such trinkets to enhance my looks. Even our housekeeper was hoarding gold for investment. Yet he kept me from touching a single penny, citing the Hans family’s tradition of being frugal. For three years of marriage, I lived like a devout nun, strictly adhering to the “rules of frugality” he had tailored for me. It was not until Christmas Eve, when I returned a day early from visiting my parents, that I discovered someone else had been living the life of luxury meant for me.

On the third day after our divorce was finalized, my ex-wife, Georgie Anderson, sent me a text message. [Why haven’t you transferred your salary from this month to me?] I thought she was joking. [We’re already divorced.] [So? What does it matter if we’re divorced? You should transfer nineteen thousand dollars from your twenty-thousand-dollar income, just like you did before. The remaining one thousand dollars will be your pocket money. When you were unemployed, I was the one who took care of you. Now that we’re divorced, you’re turning your back on me?] I stared at her text messages and fell silent for a really long time. Throughout our three-year marriage, I gave her nineteen thousand dollars out of my twenty-thousand-dollar salary. She was responsible for "budgeting" our household expenses. However, she spent my money on her civil service exam, afternoon teas with her besties, and even on her study partner, whom I’d never met. As for me, I handled all the house chores—cooking dinner, mopping the floors and doing the laundry. But when I took a little time after work to game, she would yell at me for being lazy. She was demanding money from me even after we were divorced. Her reason was that I might spend the money without thinking. I blocked her number. Three seconds later, she sent me a text message from another phone number. [You’ll regret this. I’m trying to help you one last time.] I laughed. ‘Helping me?’ I thought. Nobody had ever helped me in the past three years.