A Money Coach in Canada

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About the Author

Imagine if Canadians were known for being all over their money. Engaged. Proactive. Getting out of debt. Savvy. Saving. Generous. Nancy wants to help. Nancy started her own journey with money over 15 years ago, and formed her company “Your Money by Design” in 2004 to help others along the same path. It’s not the usual financial advising/investment stuff. It’s about taking control of day-to-day finances –managing monthly cashflow effectively, spending appropriately, getting out of debt, saving. If you're ready to take control over your finances, pop by her business site, YourMoneybyDesign.com


  1. RG

    I liked this also. I was surprised by the 99% figure for still in use after 6 months until I thought about my own garbage. 99% of my throughput is food-related.

    -1/3 to 1/2 of my garbage is compost-able. I live in the city and until 3 years ago I used to have places to compost it but I haven’t seen a compost heap that I can dump the stuff on. I think the egg cartons also fall in this category, but not sure about chicken bones and egg yolks. That’s biodegradable but not stuff I want in my compost.

    -another 1/3 to 1/2 is food packaging. I don’t have great ideas around this. Mushrooms come in styrofoam boxes, lettuce, carrots, candy in bags, frozen vegetables in freezer bags, strawberries in plastic boxes, yogurt and cottage cheese containers. I remember when more of this stuff came in biodegradable cartons (like egg cartons). I actually tried re-using the styrofoam, but most of the time I’d rather use a real bowl. I found it difficult to cut back on the bag-age due to most things being sold by the pound, even at farmer’s markets. I try to save some of this up and put it in the bins at the supermarket, but I’m dubious that it does any good. Remember when most of this was counted and put in a paper bag?

    -the other regular components of my trash are moisturizer/hair coloring bottles, sanitary pads, and blister packs that had medicine in them. I’d peg this at 5% of my trash.

    -Not included in those estimates is recycling; plastic juice and milk bottles, glass spaghetti and salsa jars, canned tuna and fruit. Volume wise, that’s probably half again as much as everything else.

    My non-food purchases over the past year (ish) have amounted to 3 pairs of pants, 5 blouses (4 of the blouses were new, everything else was consignment), some jewelry (expensive and real), 2 cutting boards, and about 8 books which are required for my professional work (and which will be hard to resell due to obsolesence issues). I also go through 3-4 bottles of moisturizer, similar amounts of chapstick, and 5-8 boxes of haircolor, 2 disposable razors, and countless disposable pens. I was looking at the other things I acquired – 2 lamps given to me by people no longer using them, a blanket given to me by Mom… I seem to acquire stuff at conferences – bags mostly, but also an assortment of stuffed animals and binders.

    Whenever I move I usually have a good bit of trash – well, lots of paper that I don’t think is worth moving and smaller amounts of clothes that have been in the “wear around the house” pile for long enough that it’s time to let them go. I recently pulled out some t-shirts from college, 20 years ago, both in honor of a nephew attending the same college and in honour of losing enough weight that they fit. I think another chunk of my consumption is in energy – operating this computer, heating my home. I walk a lot, but I still rely on a certain infrastructure of transportation.

    Anyway, this is probably TMI but hopefully not too much.


    Jan 27, 2008
  2. RG – wow – you’re really aware of your consumption! Way more than I am. I’m impressed. If you haven’t visited http://www.changeeverything.ca I think you’ll find some kindred spirits there!

    Thanks for your post. It made me do a quick mental review myself of my own trash.


    Jan 28, 2008

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