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Merry Christmas 2021

It has been quite the year. This is a whole year of COVID and now another Surge from Omicron, so this is my Merry Christmas Wishes to my loyal readers.

Find the Cat in the Tree

Merry Christmas 2021

It has been a light year for me to write due to family issues. I am dealing with a loved one with dementia and how the Quebec government system works. As with all Governments, it moves very slowly, but we are starting to get to a better place. My French is getting good use these days.

I wish you and your families and loved ones all the best for this Holiday Season. I may have an end-of-year wrap-up, but given how this year is gone.

Turkey Bacon
Happy Christmas All

Christmas Wishes from the Past

I seem to do this a lot, so here are my Christmas wishes from years gone by:


Weirdest Boxing Day Ever?

Welcome to the weirdest Boxing Day ever? Certainly (in Canada) one of the most different Boxing Days in my lifetime. In most of Canada, most storefronts are only open for pickup. Will this somehow blunt the Frenzy that is Boxing Day? We shall see, but I suspect On-Line Boxing Day will be crazy. I feel for the delivery folks over the next few days.

Black Friday NT Times
Where Do They Keep the Cheese Straighteners?

When we first moved to Ottawa, Boxing Day was a day of rest. No stores were open, but that slowly started changing. I grew up in Montreal, and there, stores opened at Noon on Boxing Day, and then it was a bit of a madhouse. Up until this year, Ottawa would be a madhouse starting at 8 AM, with sales and huge lineups.

Is it all worth it?

Previous Boxing Days?

I have written on the topic of Boxing Day a few times.


Merry Christmas 2020

It has been quite the year. There is hope that the coming year will be better. I have said that a few times, but 2020 certainly does fit the bill.

Find the Cat in the Tree
Save up to 50% on life insurance.
Turkey Bacon
Happy Christmas All


Christmas All Year Round

It seems the advertising and hype machine has succeeded, it is Christmas year round. No, it is not a wonderful family time, but the hype to spend is pretty much year round.

Let’s wander through our Calendar Year of spending, shall we?

New Years

This really end up being an extension of Black Friday/Christmas spending, but New Years sales go on for a good long while.

St. Valentine’s Day

Also known as Love Day, Valentine’s Day is an orgy of overspending in the name of keeping your loved one happy. The easiest way to show love is by spending lots of money, we all know that.


Hasn’t been completely conscripted as an orgy of spending yet, but things can change quickly. Easter is always a good time for change, or starting new things, but isn’t associated with over-spending. It is associated with new clothes though.

Mother’s Day

You can’t love your mother unless you spend a lot of money on gifts for her, right? The guilt pulled out to sell things for this is disgusting, but it does seem to work quite well.

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May 2-4 Weekend

In the US it is usually around Memorial Day, and this holiday is when you need to spend enormous amounts of money on Cottages and outdoor projects. Also a big excuse for buying booze, and also buying Bar B Q’s, too!

Father’s Day

You know what your Dad wants for Father’s Day? Not all the the crap you are told by the media. He wants to know you are happy, safe and doing OK, that is about it, so don’t bankrupt yourself for this reason.

Canada Day (or the 4th of July)

Ain’t it great? The Fathers of Confederation were surely thinking it would be a great time to buy a new car, or possibly an RV, when Canada was formed. Seriously, that is a selling point for that weekend.

Back to School

Yes, that starts pretty much in June and runs the entire summer. The kids haven’t even finished Grade N, when you should start buying stuff for Grade N+1 (or maybe Grade N again). Remember it is a great time to think about RESPs, because your kids will need that money sooner thank you think!

Labour Day

Back to school and the last long weekend of getting drunk at the Cottage or while on vacation, so let’s splurge!


C’mon, it’s almost Christmas, for Pete’s sake, but you need to splurge for this one. Get the 50 Kg turkey and enough food to feed the Minnesota Vikings, because, that is what you do to say Thank You!


Now it is getting crowded. Halloween really starts around Labour Day, but Thanksgiving kind of gets in the way as well, but Halloween is another huge money pit. If you don’t have $2000 worth of inflatable crap on your front lawn, you are an awful person. Halloween is ripped down at 1:00 AM on November 1st, in preparation for the big day!

Singles Day

Seriously folks, this is the biggest orgy of spending worldwide, and it is completely made up. I got as much email about this, as I did about Black Friday. It is a little off putting given in overlaps with Remembrance Day here in Canada.

Black Friday/Cyber Monday/Giving Tuesday

American Thanksgiving, is the trigger for more huge spending. It is the start of the Christmas season, and another excuse to buy stuff you really don’t need or even want! Black Friday is the reason for the season, right?


Hence my thesis that it is year round Christmas. Is there any week, where I don’t receive a flyer with a plausible excuse for bankrupting myself? I doubt it.


Some Terrible Financial Crackers

The British tradition of the Christmas Cracker is something I plan on continuing. Today, we will celebrate the horrible puns found in the Crackers, with these Terrible Financial Crackers.

Inside Christmas Crackers, there was a toy, a paper crown and usually a bad joke, pun or sage advice. These ideas for some sage financial advice are supposed to make you groan and wince when you read them.

Cracker 1:

I used to be a banker, but I lost interest.

Cracker 2:

I once got into so much debt that I couldn’t even afford my electricity bills, they were the darkest times of my life.

Cracker Next:

I had an account with a bank in the North Pole, but they froze all my assets.

Cracker for Uncle Stan

A bank manager without anyone around may find themselves a-loan.

Some Other Bad Financial Puns

You get the idea, the Financial Christmas Cracker needs a financial pun (or worse a groaner) as its message.

Cost of living balloons due to high inflation!

Two banks with different rates have a conflict of interest.

Christmas Crackers

Irresponsible financiers must be discredited.

During an earthquake in California a bank went into default.

Always borrow money from a pessimist. He won’t expect it back.

OK One More

There was an extra one in the box:

Money talks …but all mine ever says is good-bye.

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