A Money Coach in Canada

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Seaside Worthing, UK

Value: the relationship between the consumer’s perceived benefits in relation to the perceived costs of receiving these benefits

Holiday: A vacation or holiday is a recreational trip or a leave of absence from work for recreational, cultural or religious purposes.

I had my first “real vacation” in years this July. Not only was it absolutely lovely, it was also high value for money.

What I would do differently:

  1. Spend the bucks on a pleasant flight. I used Canadian Affair. They were the lowest price, but man, were we packed in there. On the way home, I could not relax my arms without bumping into the big guy next to me, and I had no way of stretching out my legs in any direction. At 5′ 10″, nine hours is a long time to be crunched up in an airplane seat! Next time I’d either shell out for their Xtra Leg-Room seats or consider another airline.
  2. Buy my tickets earlier.  By the time I got organized to purchase my airfare, I only had limited options.  My trip ended up being a few days shorter than I would have liked – I only just got over jetlag and I was heading home again.  Note to self:  book at least 2 months in advance.
  3. Withdraw larger amounts of cash.  Yikes! I erroneously thought I could use HSBC machines for free, so made multiple withdrawals of £50.  Oops!  A Mistake, at $3 per withdrawal!

What worked well

  1. For a girlfriends’ meetup in London, we booked in at a Travelodge.  I momentarily had my doubts when I saw how small and basic it was.  But of course we only used it for a few hours to crash in – we were in London for heaven’s sake! – so I’m really glad we used our money for enjoying ourselves out and about instead of a prettier pillow. (Good call, Wendy!)
  2. Purchasing 50 minutes of international cel phone use with Bell.  You’ve heard the stories, and so have I – travelers unwittingly racking up $6,000 bills by using their phones abroad.  Many people advised me to purchase a disposable cel over there, but in the end I opted simply to purchase 50 minutes from Bell – more than enough for the quick calls I made.  It gave me peace of mind for a manageable price.  Yes I kept my data roaming turned off. (Well, mostly, except a couple quick gmail and twitter checks.  Fingers crossed.)
  3. Mama Mia! Selecting the Saturday Matinee instead of evening performance.  This saved us money and kept us free for a night on the town (Covent Garden is a Lot.Of.Fun)

What I wouldn’t trade for the world:

Staying with friends.  I am blessed beyond telling by my treasured friends.  Of course staying with friends has all the pragmatic benefits of no accommodation costs, of personal tours of gorgeous places (like the Ely Cathedral and Polesden Lacey National Trust), and some home-cooked meals.  But far beyond that, for me, it adds the depth and meaning of reconnecting with people you love.  Oh, and, who start the day with coffee in their garden like this:
Breakfast in England at a friend's

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. Hey Nanc! Great to have you stay with us overnight… I’m sorry it wasn’t longer! You’ll have to come out and enjoy Calgary again really soon! (next time, you’ll get the bed downstairs!)

    .-= Tanya (@netchick)´s last blog ..Help “Put the boots to hunger!” =-.


    Jul 26, 2010
  2. Paula

    You are so right about paying for things that are valuable to you. For us it is getting a bigger room with a kitchen and, if we are lucky, a bedroom so we can put the kids to sleep and stay up (granted, we usually only make it another hour…). We save big time $$$ by making the majority of our meals in the hotel instead of spending money to have cranky kids ruin our dinner.

    Glad you had such a rewarding and enjoyable trip 🙂


    Jul 26, 2010

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