I’ve been away for a week of much needed rest and sun-therapy but am back and rearing to go. 2013 is shaping up to be a VERY busy year. Happy New Year y’all. May your year be filled with laughter, joy, and (dare I hope) a little common sense!
My professional New Year’s resolution for 2013 is to help people turn Common Sense into Money In The Bank.
You’ve already seen the release of Money Rules, my most “sensible” book yet. This book is different from all the rest because it’s less about process (like getting out of debt or saving for retirement) and more about the underpinnings of what you need to know to find balance when it comes to your money (I love, love, love this book and I hope you will too).
Sometimes when I say things they resonate big-time because they seem so obvious, once said. That’s what Money Rules is all about: the things you wish your mom or dad had said, or the things you wish you had said to your own children and grandchildren, to put money in the right perspective. Like Rule #251: Don’t Get Sucked in by “Free” or Rule #199: Don’t Take the Tax Man’s Advice as Gospel.
There are 261 Rules, some as short as a paragraph, some as long as a few pages. Everything is digestible. Nothing is in order. Each rule is something you should know to find the balance you need with your money and not be hoodwinked into buying stuff – financial stuff included, see Rule #181: Never Buy Creditor Insurance – you don’t need or want.
Money isn’t the only place when common sense flies out the door. Divorce is one of life’s curveballs that has people twisting in the wind, feeling out of control and scared about what to do next.
Enter The Common Sense Divorce. I’m a minority shareholder in, and a spokesperson for, this company because I believe we need to change how we handle divorce. As y’all know, I’ve been divorced/separated three times. The thing that I always understood is this: If you go into a divorce with 12 oranges, you’re going to end up giving some of those oranges to the legal system. You need to decide up front how many of those oranges you’re prepared to part with. Did you know that the average cost of a traditional contested divorce in Canada is $23,730? Them’s a lot of oranges!
Divorce doesn’t have to be filled with fury and financial disaster. But you may need some help moving to your logical place to do the transaction. And that’s where The Common Sense Divorce team comes in.
Leave the ranting and raving for your therapist who’ll charge significantly less than your lawyer. Better yet, rant and rave to your friends, cry on your sister’s shoulder, get drunk with your best buddy. But when it comes to splitting the assets, managing child access and moving on, common sense must prevail or you’ll give too many of your oranges away.
The Common Sense Divorce team of experts is committed to helping make the process less scary and, ultimately, less expensive. Meridian Credit Union will be acting as our key financial institution because they are committed to helping folks work through their separation and divorce with the right financial products and services in place. Did you know that divorce is a leading cause of bankruptcy? Yup, 1/3 of folks going through bankruptcy are also going through divorce. So having a strong, sensible and supportive financial partner can make all the difference in the world.
Darren Gingras, President of The Common Sense Divorce will be joining me on NewsTalk1010 tonight in the first hour so we can give you a preview of who’s involved and what it’s all about. Tune in at 10 p.m. for The Late Shift.
On January 22 at 7 p.m. I’ll be part of the team of experts launching The Common Sense Divorce at The Marriott 475 Yonge Street. I’ll be talking about the role common sense must play in how we make our financial decisions, including those surrounding divorce. Seating is limited. Tickets are free with a donation to Emily’s House (at the door).
Book tour is going to eat January-March of 2013, and then I’ll be swinging into production of the next season of Money Moron. So THIS IS THE ONLY PUBLIC TALK I WILL BE GIVING IN TORONTO.
Don’t think that just because you’re not in the market for a divorce you can just push this one aside. Everyone knows someone who has to deal with the dissolution of their marriage. You may be the person who can help your lovies keep more of their oranges.