Wednesday, September 2, 2015

Young Savers For Future Dreams: Stopping the Cycle of DEBT #RESPwithRBC #sponsor

I remember my last years of High School as ones filled with hope and excitement. I knew which college I hoped to attend but was stuck in a financial jam. I had no savings, no RESP, and no one to help me with college tuition. After investigating my financial aid options, I realized my best option was to leave home and go to another province to study. There were more support opportunities for out of province students because we were no longer dependant on our parents once out of arms reach so to speak. It was a hard decision and hind sight is often filled with "I wish I had known".  I ended up setting in motion a 15 year battle with debt.

Before setting out to Ontario, I chose to work for two years after High School and saved enough for travel expenses and some savings. Every semester I lined up in the college financial aid office and signed over my student loan money order and signed a little piece of my future away. After 4 years of working hard towards a Bachelor's Degree, I graduated in 1999 with more than $30, 000 debt. I got married to my college sweetheart a week later so we now had a combined student loan debt of $65,000. Doesn't that sound like a great way to start a marriage?

Don't get me wrong. I don't regret going to college.  My college years were some of the best years of my life, I was oblivious to the struggle to come after my Grad and lived the full college experience making life long friendships.  I wish someone had helped me plan for my future....

Fast forward to 2009, we had a lovely baby girl and by the time she was a year old I was still paying for my student loan.  By the time she was five, our student loans were finally paid off and we opened a high interest savings account for us and a family member opened a RESP for our girl.  I am fanatical about stopping the cycle of debt. This is modelled in having a debt free life.  I only use my credit card to get points on purchases I already have the cash to pay for.  I want my girl to realize her hopes and dreams and make life long friendships in college without a cloud of debt hanging over her future.  You can download your free RESP Booklet today or book and appointment with a RBC RESP customer service professional.


Did you know that $25 a week can change your child's future?

"Even small contributions add up quickly with an RESP-Matic: Set up regular contributions and see your savings add up! $25/week can add up to $50,911 in 18 years" 
RBC RESP Infographic


RBC “Someday” TV Spot

There are many reasons to open an RESP.  It is easier than ever with the option to do automatic contributions.  There are also free top ups available for your RESP. The government will give up to $7200 in grants towards your RESP depending on how much you contribute.  I encourage you to make an appointment to discuss your saving options. Even if you don't have $20 a week to spare, setting a savings plan in motion can make a big difference in the lives of your loved ones later on.

Coming Soon!

 RBC RESP Twitter party

 September 17th at 9:00pm

 Participants of the party can win one of six $150 Visa gift cards

 Follow #RESPwithRBC

Disclosure: This is a sponsored post. All opinions and personal anecdotes remain honest and my own. Images are owned by RBC CANADA and are used with permission.

Friday, August 28, 2015

A Mother's Prayer: To My Daughter On Her Birthday.

Dear Princess G;
This day ties us together forever. It is YOUR special day but it will always be remembered as the day you were gifted to us. As this year has raced past us, I am stopping to think about all the milestones you have crossed. This was your first year attending summer camp. You are swimming without a life jacket. You are going to grade one, that is "real school" according to you and I know you have mixed feelings about it. Your enthusiastic creativity inspires me and has changed the way I approach creative projects of my own. You are a force of nature and have a strong will that is buffered by your big heart and warm smile. You have changed my heart and and I never knew how much love one person could feel for another, even when they have given them weeks of no sleep. You offer "I Love you's" more than any other person I know. Your love for music and dance make my heart sing. Our favourite movie quote is recited daily and you always want to be the first to start it so you can be the one to finish.

"I love you.  I love you more. I love you most." (Tangled, 2010)

The night before your birthday you asked Daddy if you would be too old to pick up when you were a six year old. This question sat heavy on our hearts and made us cry a little after you went to sleep. I can tell you are growing up and starting to think of the things that will change as you move from being a little kid to a big kid. I pray that you will always feel love as you move through this world and know that you will never be too "old" to be carried by God's Love.

 My lovely girl is 6 years old.
Romans 8:39 "No power in the sky above or in the earth below—indeed, nothing in all creation will ever be able to separate us from the love of God that is revealed in Christ Jesus our Lord." Holy Bible, NLT 

Monday, August 17, 2015

Big Day Out 2 Event is Coming September 12 & 13! #Giveaway {Greater Toronto Only} @CorusPR @TreehouseTV


"Taking place at the Molson Canadian Amphitheatre in Toronto on September 12 and 13, 2015Treehouse Big Day Out will offer two separate ticketed events each day – a morning event starting from 9:00 a.m. to 1:00 p.m. with stage shows from 10:00 a.m. to 12:00 p.m. and an afternoon event from 2:30 p.m. to 6:30 p.m. with stage shows from 3:30 p.m. to 5:30 p.m.  This special event also will be televised on Treehouse this Fall. Tickets for Treehouse Big Day Out may be purchased at Ticketmaster, beginning on Friday, June 12. Visit www.treehousebigdayout.com for more details." (Press Release)

We have been fortunate to see The Wiggles once in concert.  We saw the last tour with Sam, Anthony, Murray, and Greg.  The Wiggles have made TORONTO their first stop in the newest tour featuring founding member Anthony Field (Blue Wiggle), Emma Watkins (Yellow Wiggle), Simon Pryce (Red Wiggle) and Lachlan Gillespie (Purple Wiggle).  They will sing songs from their new DVD/CD called "Rock n Roll Preschool".  I have never seen a live show with Splash N Boots but have heard some of their songs while watching Treehouse with my girl. They seem to be fun and engaging.  Both of these singing groups will be performing during the BIG DAY OUT 2. You will also have a chance to participate in many activities because the events run approximately four hours-with show times taking up about half of that time.

"In addition to all the live performances on tap, Treehouse Big Day Out will feature an array of fun-filled family activities, including meet and greet photo opportunities with fan-favourite Treehouse characters and a Nelvana digital play station featuring free WiFi to download the new TreehouseGO app, and much more. All attending kids will also receive a festival program full of activities and colouring pages for even more BIG fun at home! (Press Release)"

I think this will be a really exciting event for your kids. I'm a little bummed that we will be missing this event but our family trip to Niagara Falls has already been planned and booked.  So, one lucky blog reader will be receiving my four tickets to one of the four shows (September 12 AM or PM show, September 13 AM or PM show). This prize will give you tickets only, all travel expenses will be the responsibility of the winner.

a Rafflecopter giveaway

Disclaimer: I did not receive money for this post. I was offered tickets to attend the event but am choosing to give them away instead.

Friday, August 14, 2015

Nice N Easy Root Touch Up @ClairolColor #review #sponsor #Bzzagent

I chose the LIGHT BROWN 6 shade to match my hair.

"All shades of gorgeous

Here’s everything you need to know about Clairol® Nice N’ Easy Root Touch-Up before you put it to the test:
  • Covers roots flawlessly in just 10 minutes
  • Provides 100% gray coverage
  • Offers 21 hues to match any hair shade
  • Applies easily with a Precision Brush
  • Lasts for up to three weeks (Sponsor's Product Description)"
I was in my fifth week between hair colouring and had about
1/2 inch of darker hair showing at the roots.
The Clairol Nice N Easy Root Touch Up box had
everything I needed to get started.
The blue brush helped me get the hair product exactly where I needed
it.  The product instructions helped guide me

to place the product in the most visible 
regrowth areas-the hairline and my off center part.
My hair colour was revitalized in ten minutes (plus the 5 minutes it took to brush the
product on my roots). It was a seamless match.

Verdict: This product retails for approximately $7 and is good for a quick fix.  It only lasts a few weeks though. I will continue to buy the Nice N Easy Light Brown 116 (full application hair colour product) because it goes on sale more often and gives a permanent result. I did keep the blue application brush for future use. It really did help in getting the product exactly where I needed it.


Disclaimer: I received this product free to aid my review. All opinions remain honest and my own.

Wednesday, August 5, 2015

A Magical Summer Giveaway via @Hallmark_Canada #Contest #Sponsor

Where in the world did July go? It's already the first week of August and it's not too late to enter a fun contest sponsored by Hallmark Canada.  Hallmark is my go-to gift store for almost every occasion we celebrate as a family. This is a big month for me, I turn 40 on August 30 and my girl will be 6 years old on August 28. It would be great to win a $250 prize pack to help with our special celebrations...

Here is a message from my sponsor, Hallmark Canada;

"From now until August 9th, Hallmark fans can enter for a chance to win 1 of 4 $250 Disney prize packs.

Entering is simple, customers can go online to www.winwithhallmark.ca, enter their personal info and hit "Enter".  They will receive a special offer from us just for entering, and can enter daily to increase their chances of winning."


Disclaimer: I receive occasional perks as part of my participation in the Hallmark Blogger Community. All opinions remain honest and my own.

Monday, July 27, 2015

New Vector Products from Kelloggs Aim To Kick Hunger and Fuel Your Active Life. #Sponsor (CAN/08/12)

To meet the needs of today’s ambitious, active Canadians, we’ve recently launched NEW Vector Granola Honey Almond Flavour - with 20g of protein, 5g of fibre, and 10 vitamins and minerals per serving. Kelloggs Press Release July 2015
Valued at approximately $45

I consider myself an active person, I live a kilometer away from my bus stop so am guaranteed to walk two km just to get to work and home again every week day. I am always looking for food to take with me for my commute and to fuel my busy day as a Registered Early Childhood Educator (this means I am on my feet for 8 hours a day caring for 10 children ages 6 months to 18 months).

Kelloggs Canada recently sent me some new Vector products to try. So far the Vector Protein bars have been devoured by my family, I got to try the Vector Granola all to myself. I sprinkled it in my yogurt the first day and tried a half cup serving with almond milk the next day. It was delicious and filling either way and it helped fight off the mid-morning food cravings because Vector Granola is packed with 20 grams of protein per 63 gram serving! My dietitian gave me good advice when I was trying to kick my sweet tooth, protein helps curb cravings and helps give you energy to keep active. Sugary snacks (donuts, cookies, etc) give you false energy and then you crash, looking for more sugar to boost your energy levels.

This week I am going to boost my workout sessions, so need to add more protein to my menu. I will be trying the Vector Energy bars as a source of fuel for my extra activity. They boast 9 grams of protein per bar. I have hidden the Chocolate Chip flavour for myself.


Follow me on instagram/mimishumblepie to track my Vector product review this week.


Have you tried Kelloggs Vector?  
I am giving away a prize pack to one blog reader.


a Rafflecopter giveaway
Disclosure: I received product for review. Please consult your own doctor/dietitian for health advice. All opinions remain honest and my own, for anecdotal purposes only.