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Many people struggle to stick to a budget. It's too easy to overspend when you see something that you think you need to buy. Thanks to debit cards, spending more than you had intended is much easier. That's why many financial experts recommend the cash envelope system. This old-school method helps ensure you don't spend more than you are meant to. So let's take a closer look at what it is and how it can help. What Is the Cash Envelope System? The cash envelope system is a budgeting method that requires you to put money into an envelope for...

Canadians feel less secure with their finances, and those facing debt default scramble to find ways to silence their reality. By silence, I mean figuring out their debt so they can avoid bankruptcy or other aggressive forms of debt repayment. Understanding what debt default means before you accept any form of credit should be a priority. These days, Canadians lean more towards using credit cards as they can be the easiest way to make purchases or pay off debt with a balance credit transfer. Related: Canadians at record high credit card debt as inflation remains HOT Debt can be a...

We’ve come to the end of another bountiful literary year, and for all of us review rabbits here at Book Marks, that can mean only one thing: basic math, and lots of it. Yes, using reviews drawn from more than 150 publications, over the next two weeks we’ll be calculating and revealing the most critically-acclaimed books of 2022, in the categories of (deep breath): Fiction; Nonfiction; Memoir and Biography; Sci-Fi, Fantasy, and Horror; Short Story Collections; Essay Collections; Poetry; Mystery and Crime; Graphic Literature; and Literature in Translation. Today’s installment: Mystery and Crime. Brought to you by Book Marks, Lit...

If you need a super easy, budget friendly project that gives you a HUGE bang for the buck, I’ll show you how to make paper bag snowflakes in this post. It’s hard to believe that something as simple and cheap as paper bags (brown lunch sacks) could give you such a gorgeous decor statement piece, but these snowflakes (or stars) definitely do that!  I’ve seen these all over the internet & social media lately and decided to give it a try. When I decorated my bedroom for christmas, I needed a couple of large wall decor pieces. The pictures that...

Experimental clothing brand Vollebak and biomaterials company Living Ink have teamed up to create a T-shirt using black dye made from algae instead of petroleum, in what they say marks a major breakthrough for sustainable fashion. The dye, developed over five years of research and development, is made by taking waste spirulina algae from the natural food colouring industry and heat treating it to create a blackened char. This process helps to lock away the carbon that was absorbed by the algae over the course of its life, making the resulting dye carbon negative according to Living Ink. Vollebak has...