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Whether you're looking to save money, save closet space or save the environment, you may find yourself wishing you could embrace minimalism and stop buying so much crap.

Montreal-based graphic designer Rachael Seatvet, 26, decided to turn that wish into an experiment, which she dubbed "Nothing New Year." Her goal? Only acquire used or pre-owned items — with the exception of groceries, gas and medication — for all of 2020.

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Setting financial goals and sticking to a budget doesn't come easily for everyone, regardless of whether you're still a student or a well-seasoned professional. In fact, those are the challenging first steps that separate many of us from our long-term goals.

It doesn't matter if you want to enjoy a quiet chalet weekend, buy yourself a fat bike or finally go on that long-awaited road trip — completing any of these projects requires some discipline, organization, and a few good habits.

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The holidays are around the corner, with Christmas in Quebec just days away. If you're looking for a last-minute gift option, or you're stuck on what to get that distant relative, quirky friend or significant other in your life, we've rounded up gifts you can choose from for each astrological sign.

There are two options, one cheaper (save) and one more lavish (splurge) — so no matter your budget, you can get that last-minute shopping done.

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Way back in the day, if you wanted to plan out the purchase of a car, a house, an investment, or simply save money, a financial advisor or expert was the only way to go.

If you were really motivated, you might trek from bank to bank armed with documents, then return home to spend several hours analyzing all the options before trying to make the right decision. 

And although there's nothing wrong with doing that, navigating the world of finance does take a lot of meticulous planning, decision-making, and organization.

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It's easy to get caught up in an Uber Eats ordering cycle. All of your info is already inputted — including special delivery instructions — you can track your food's journey, and a little message even pops up to "Thank you for supporting restaurants."

While there's no question that ordering through a third-party delivery app like Uber Eats or SkipTheDishes is one way to support your favourite neighbourhood food joints, many Montreal restaurants say it's also not the best way. 

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The fact is, it's going to be -40 C in Montreal soon no matter how much you cry about it. And arguably, one of the worst parts of winter is getting smacked with a huge Hydro-Québec bill just because you wanted to stay warm in your own house. 

If you've ever wondered how you can save money on your Hydro bill this winter, MTL Blog has got you covered because we spoke to the experts. 

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