The Most Fundamental Financial Habit: A Zero-Sum Budget

By on October 6, 2017

Hey, everyone! Today I’m excited to introduce you to fellow blogger Sandra Parsons. She’s talking about one of the financial basics that we here at Changing Our Default haven’t addressed yet: the zero-sum budget. And as a fun bonus, she hails from Canada, so I know you’ll enjoy those distinguished spellings. 🙂 Take it away, Sandra!

If you’ve visited my blog A Theory of Change, you know I’m all about finding ways to develop positive habits to make a better life. I believe that a big part of making a better life is getting in control of your finances.

I love the idea of making my money work for me. It’s not enough for me to know that I’m paying my bills on time and more or less living within my means. I want to know where every dollar is going, why it’s going there, and what it’s doing. I want to know that I’m maximizing the value of my money (’cause, you know, I work pretty hard to earn it).  (more…)

Uber Frugal Month Update

By on January 16, 2017

Since Mr. and Mrs. COD are working on their Uber Frugal Month Challenge, inspired by the Frugalwoods, we thought we’d check in with a little halfway update! See how they’re doing in their quest to be frugal weirdos! 

Mini COD assisting me in the kitchen, pressing the Ninja button (the MOST important job in frugal muffin making) 


Peer pressure and purchases: the groupthink mentality

By on May 7, 2016

Peer pressure: it’s not just for teenagers! Peer pressure can lead us to get a terrible haircut, to hire a friend for a job, to share a post on social media, to support a cause, to attend a certain college…and to buy stuff we don’t want or need.


Pic of us at Millennium Park, Chicago. Free outdoor fun!


Recently, my neighbor invited me to her Pampered Chef party. It ended up being pretty fun, actually, since it was a chance to spend time with her and I don’t know her well. The products showcased were cool, too. Man, it makes me feel old to admit I enjoyed checking out kitchen wares! We shared delicious food and chatted in a relaxed setting. (more…)