Refreshing your finances and trying to ditch your debt doesn't have to be a daunting task. Read on for expert tips on how to put money back in your pocket and get a fresh outlook on your finances. Manage your money How to get a fresh start on your finances Do you put your money in the right place? Should you re-think your savings strategy? How about your mortgage? Here are some easy-to-follow steps to help you overhaul your finances. 10 tips for stress-free money management How to work as a couple towards financial freedom. Financial strategies tailored to you Get recommendations based on your needs, whether you're in your 20s, 30s, 40s, 50s, 60s or beyond.
Page 1 of 2 -- Learn how to control your budget with financial advice from the experts on page 2 How to budget and save money 6 frugalista fitness tips Keeping fit doesn't mean having to spend loads of money. Read on for tips on how to keep your svelte figure while on a budget.
6 budget grocery shopping tips Trying to cut back? Start with your grocery shopping habits. Here are 6 great tips that will help you save money at the grocery store. 10 things you're wasting your money on Is the cash in your wallet always mysteriously disappearing? Maybe you need to get a grip on your spending habits. Here are 10 things you could be wasting your money on.
8 easy ways to save money Change your spending habits with expert tips from a financial therapist. How to live on less money Whether you’re new to saving money or an experienced pro, here’s how to stay on track when it comes to living on less. It’s easier than you think.
The kitchen probably has the most traffic in your home, which means it can also be the messiest. Keep your counters and cabinets clutter-free with these clever storage ideas.
1. Looking good
Display your pretty serving pieces on open shelves and use decorative baskets to house the less attractive and infrequently used kitchen necessities (think small appliances and tools).
2. Mix it up
Varied storage keeps items of different sizes in their place: deep drawers for medium-to-large appliances, stacked shelving for wine bottles and shallow drawers for spices.
3. Within reach
Keep the items you need most, such as cereal and snacks, between waist and eye level, and move the rest of the goods up high or down low.
4. All access
A pull-out pantry allows you to see inventory at a glance and helps keep supplies organized so that nothing gets pushed to the back and out of view.
5. Now you see it
Cabinets that are tucked behind a sliding door will provide a functional space-saving solution to a typical pantry. This storage system can be built along an unused wall in a kitchen. Use it to conceal mismatched boxes, jars and canned goods.
The biggest advantage in a kitchen is accessibility, yet the most common blind spots I see are cabinet shelves that are too high and wasted space between shelves. Whether you've just moved in or you've settled into a kitchen, it's worth the time to adjust shelving to fit the contents and to lower shelves so you can reach what you need. After adjusting the height, you can often add an extra shelf to accommodate wide narrow items, like trays.
Fruit gets a bad rap when it comes to weight loss. Here's why avocado, dragon fruit, coconut, kiwi and even banana—yes, banana—are all diet foods.
Fruit can be a real pleasure when you're cutting back on calories—it's wholesome, nutritious and provides a sweet hit of pleasure. A few surprising fruits even come with weight loss benefits.
Dieters tend to steer clear of bananas because they're considered a high carbohydrate fruit. But almost-ripe bananas contain resistant starch. "This starch is not digested the same way as most starches," explains Amanda Li, registered dietitian at Toronto's Wellness Simplified. "It passes through the intestine unchanged as an insoluble fibre so you absorb less sugar from it." Insoluble fibre also helps control hunger pangs. Tip: Snack on green bananas that are just starting to turn yellow. Eat with cereal or yogurt to mask the hint of bitterness.
There are two reasons why dieters should add fresh—not dried, packaged—coconut meat to their fruit salad and fruit smoothies. "There's the satisfaction factor," says Li. Coconut meat's high in healthy fat, which helps slow down digestion of the sugars in the other fruits, keeping you feeling fuller longer, she explains. Plus, it contains medium-chain triglycerides, a type of dietary fat that's processed by the body for a quick source of energy rather than stored as fat. Tip: Don't want to crack one yourself? Look for freshly frozen coconut meat in health food stores. Some grocery stores also prepare fresh coconut meat.
Yes, avocado is technically a fruit, and Li says it's a terrific diet food because it contains high percentages of both healthy fat and fibre (seven grams, in fact, in one fruit). "The fat and fibre work together to keep you feeling full longer," she adds. Bonus—avocado's fat is chiefly monounsaturated, which offers protective heart benefits. Tip: Guacamole's an incredibly satisfying snack. Dig into Edamame Guacamole with toasted whole wheat pita chips.
"I love dragon fruit. Not only is it pretty looking, it's got good volumetrics," says Li. She's refering to the diet principle created by Dr. Barbara Rolls that substitutes deprivation for lots of healthy foods you can feel full on. Dragon fruit fits the bill, according to Li, because one whole fruit contains just 60 calories and only eight grams of sugar. "That's terrific compared to other fruits, she adds, pointing out that one apple is 80 to 100 calories. Tip: Cut the dragon fruit in half and scoop the pulp—seeds, too—straight out of the shell with a spoon. "It's refreshing, like cucumber, only sweeter," adds Li.
Kiwi is a handy diet food because it's portable. "You can throw a couple in your purse and go," says Li. And because you can eat the skin along with the flesh, you're getting five grams of fibre per fruit, says Li. Kiwi is also loaded with vitamin C and contains a natural enzyme that helps the body digest protein. Tip: Kiwi is a great diet snack on its own, but also delicious on salads and in meat marinades.
Heart disease and stroke are one of the leading causes of death for Canadian women—and risk factors, symptoms and even treatment might vary by age. Here's what you need to know.
It was Dec. 13, 2014. I was getting ready to go out for dinner when suddenly everything went wrong. I lost coordination, almost like I was drunk. I went numb, as if the local anesthetic that dentists use had been applied to half of my body. My arm went limp, I could barely walk and, out of the blue, I got a raging migraine. At 31 years old, I was in the midst of a transient ischemic attack, often called a ministroke, but I had no idea.
It wasn't until the next day, when I was feeling only slightly better, that I realized something was really wrong. I didn't want to wait for an appointment with my family doctor, so I called Telehealth Ontario, the provincial service that connects callers to a registered nurse via telephone. In the very back of my mind, I wondered if I'd had a stroke—but I was too young, or so I thought. But when I described my symptoms, it became clear that I wasn't too young. In fact, the nurse who took my call was worried enough to send paramedics to my house. Soon, I was in the back of an ambulance, rushing through Toronto's busy streets on the way to the hospital.
The statistics Luckily, my stroke was mild, and, in July 2015, I underwent surgery to have a patent foramen ovale closure device inserted to close the hole in my heart. But, to this day, I'm still shocked at how little I knew about the risks associated with stroke and heart disease, or just how common they are. As I soon learned, about 1.6 million Canadians—557,000 of them women over the age of 24—report having cardiovascular disease. And, according to a study looking at factors and behaviours affecting cardiovascular health published in 2013 in the Canadian Medical Association Journal, fewer than one in 10 adult Canadians were in ideal cardiovascular health from 2003 to 2011, which means 90 percent of us are making choices that are increasing our risk for a cardiovascular event. In fact, heart disease and stroke is one of the leading causes of death for Canadian women, and most of us have at least one risk factor.
It's a club that I didn't particularly want to be a part of, but having joined, I began wondering what other women's experiences had been like.
Unlike me, when Victoria resident Carolyn Thomas started having a range of symptoms— crushing chest pain, nausea, weakness, sweating and a persistent ache down her left arm—on her 58th birthday, she immediately thought it could be a heart attack and went straight to the ER. But when she got there and told the doctor on duty about her symptoms, he said it was just acid reflux. "I remember exactly what he said," she recalls. " 'You're in the right demographic for acid reflux. Go home and call your family doctor for a prescription for antacids.' " Embarrassed and apologetic, she did just that. But her symptoms persisted for two more weeks. She eventually went back to the hospital, and this time, she was told she was suffering from what was actually one of the most serious types of heart attacks—a complete blockage of her left anterior descending artery, which is often referred to as the widow-maker.
Since then, she has recovered, but it's far from full—she had to retire early and continues to see a specialist at her regional pain clinic.
Irmine MacKenzie also went to the hospital immediately. It's been 35 years since the New Waterford, N.S., resident lost the use of her left arm and leg after suffering a stroke caused by carotid artery stenosis, narrowing of the arteries that carry blood from the heart to the brain. She was 61 years old and, having just finished eating breakfast with her husband, John, she headed to the kitchen to tackle the dishes. Suddenly, plates started dropping from her hands, shattering as they hit the floor.
After a six-week hospital stay and a three-month stint in a rehabilitation program in Halifax, she eventually learned to walk again. Her ability to manage quite well over the past three decades is clearly a testament to her grit— and maybe some kind words from a stranger. "I won't ever forget the ambulance driver who took me to the rehabilitation centre," she says. "He told me, 'We're taking you by stretcher now, but you'll be walking out of there with a cane.' " Sure enough, that's exactly what she did.
A better understanding It has now been two years since I suffered my transient ischemic attack, and I feel like I'm still learning about heart health. I now understand the importance of cardiac rehabilitation, for one thing. When I had my stroke, I didn't know this kind of program existed—my cardiologist didn't refer me to one, but having access to dedicated professionals in a safe, encouraging environment could have helped me navigate the health-care system and guided me toward healthier choices.
One thing I found myself, Carolyn and Irmine echoing is how, as women, we must advocate for ourselves in the health-care system, ensuring that our voices are heard and our health is looked after. We need to put ourselves first, without shame or guilt. As Dr. Paula Harvey, director of the cardiovascular research program at Women's College Hospital in Toronto, says, "It comes back to education and partnership with your health provider. Don't be afraid to ask questions and be informed."
Heart health by the decade Nearly two-thirds of all heart attacks and strokes occur in Canadians 65 or older, but younger Canadians are increasingly at risk. Here's what you need to know at every age.
In your 20s and 30s: Young people with heart-health issues are part of a growing minority. A study published in 2012 out of the University of Cincinnati College of Medicine found that, over a period of 12 years, strokes among people aged 20 to 54 made up an increasingly greater proportion of strokes across all age groups, growing from about 13 percent in 1993–94 to 19 percent in 2005.
Closer to home, the Heart and Stroke Foundation says several studies predict that the rate of strokes among younger adults will double in the next 15 years. The main reason? According to Dr. Tara Sedlak, a cardiologist at Vancouver General Hospital and clinical assistant professor at The University of British Columbia, it comes down to lifestyle—high stress levels, poor eating habits, lack of exercise and smoking. Research bears this out: The University of Cincinnati study suggested that a rise in lifestyle-related risk factors (such as diabetes, obesity and high cholesterol) may contribute to a higher incidence of stroke.
But there is a way to turn the tide: As with other age groups, simple changes such as exercising regularly, quitting smoking and eating healthily could see the rates of cardiovascular disease—and, more specifically, stroke—decrease, says Dr. Paula Harvey, director of the cardiovascular research program at Women's College Hospital in Toronto.
In your 40s and 50s: Cardiovascular disease is less common among younger women, in part because of their higher estrogen levels; the hormone offers some protection to the arteries. But as women approach menopause and their estrogen levels drop, the incidence of stroke and heart attack increases.
Unfortunately, broad knowledge of their increased risk may not protect perimenopausal women from misdiagnosis. According to research by the Canadian Medical Protective Association, which provides advice, legal assistance and risk-management education to 95,000 Canadian physicians, doctors are missing the signs of stroke in patients nearly 10 percent of the time, largely because symptoms are often nonspecific—patients often complained of headache, dizziness, nausea and vomiting.
And women, who have historically been less inclined to advocate for themselves, are particularly at risk. Research out of the University of Leeds in England showed that, between April 2004 and March 2013, 198,534 heart attack patients at National Health Service hospitals in England and Wales were initially misdiagnosed—and most of them were women. During that time, women suffering a heart attack were 50 percent more likely to be misdiagnosed compared to men.
It might be difficult to challenge doctors who tell you nothing's wrong, but Dr. Sedlak encourages women to listen to their bodies and to be firm with health-care providers about what they're experiencing. "If you feel there is a real problem, be persistent," she says.
In your 60s and beyond: Women over 65 have the most strokes of all age groups, but they still have fewer strokes than men the same age. However, a Danish study published in the Journal of the American Heart Association in 2015 found that, after 60, women tend to have more serious strokes than men—and they're more likely to survive, which can have serious repercussions on quality of life.
John Sawdon, the public education and special projects director of the Cardiac Health Foundation of Canada, explains that cardiac rehabilitation programs, which are free with a referral from your doctor, are the perfect next step for recovering cardiac patients of all ages, but they're particularly important for older Canadians, who tend to live more sedentary lives. These programs are supervised by a cardiologist and, after an assessment, are tailored by your cardiac rehab team, which usually includes nurses, physical therapists, kinesiologists and social workers. They can provide exercise training, education on heart-healthy living and stress counselling—all of which can contribute to the health and well-being of people who have heart problems. And they're effective, too: "Research has shown that those completing cardiac rehab live seven years longer than control groups," says Sawdon. It also "reduces incidence of another heart attack by 50 percent."
What's your risk? Ninety percent of adult Canadians have at least one risk factor for cardiovascular disease. But while factors such as obesity, hypertension, alcohol abuse, family history and ethnicity increase everyone's risk, regardless of gender, the following three are particularly relevant to women.
Smoking: While we all know that smoking is seriously unhealthy, it can be especially damaging to women's cardiovascular health. Smoking when taking the oral contraceptive pill can drastically increase the risk of heart attack and stroke. But quitting can cut your risk within a year.
Diabetes: According to the Canadian Diabetes Association, people with diabetes are at a very high risk of developing cardiovascular disease. In fact, "they may develop heart disease 10 to 15 years earlier than individuals without diabetes."
Mental illness and stress: "Women have a higher frequency of stress-induced heart disease, and women's hearts are affected by stress and depression more than men's," says Dr. David Fitchett, a cardiologist at St. Michael's Hospital in Toronto and associate professor of medicine at the University of Toronto.
Heart health dictionary
Atherosclerosis: When arteries narrow and harden due to plaque buildup.
Cardiomyopathhy: Diseases of the heart muscle, which cause it to become enlarged, thick or rigid.
Cardiovascular disease: A broad term for problems with the heart and blood vessels, often due to atherosclerosis. These conditions can lead to heart attack, angina or stroke.
Heart attack: Also known as a myocardial infarction, these attacks happen when the flow of blood to a section of the heart is blocked, preventing the muscle from getting oxygen.
High blood pressure: Also called hypertension, this is when the long-term force of blood against artery walls is elevated, requiring the heart to work harder, which may eventually lead to heart disease.
Microvascular angina: A disease of the small coronary artery blood vessels. Many angiograms do not view the small blood vessels, so this can be difficult to diagnose.
Spontaneous coronary artery dissection: A tear in the coronary artery wall. Physical or emotional stress appears to play a role. Most cases (around 70 percent) occur in women under 50—and a third of those are pregnant or postpartum women.
Stroke: When the blood supply to a portion of the brain is interrupted. This can happen when a blood vessel carrying oxygen and nutrients to the brain either bursts or is blocked.
Want to make
perfect, crispy bacon every time with little mess? Try cooking it in the
oven! I always use this method when I am cooking bacon for more than 2 people. It is
less messy than cooking on the stovetop, you can cook a whole package at a time with no grease spattering everywhere. It requires
little attention, which gives you time to prepare the other elements of the meal (
pancakes perhaps?). Also, the bacon comes out
perfectly cooked (and flat) and delicious every time.
To cook bacon in the oven, first line a
baking sheet with parchment paper or foil. Arrange bacon slices on parchment,
overlapping if desired.
(Side note: the bacon will cook a little faster and require no separating if the slices are not overlapping, but one Chef I worked for instructed me to overlap the slices with the meatier side on the bottom so that the fattier side covers the meat and "protects it" during cooking - not sure if this is true, but you can fit more on a tray if the slices are overlapping.) Cook in a 400°F (200°C) oven for
about 20 minutes, separating with tongs if needed, until bacon is golden-brown. Timing will depend on the thickness of your bacon and how crispy you like it.
Remove bacon to paper-lined platter to drain. Enjoy your perfectly cooked bacon in these recipes...
Bacon and Onion Cheese BallsChard and Apple Salad with Bacon VinaigrettePhotography by Leah Kuhne