Money. It’s a part of everything you do, and there never seems to be
enough of it. But how often do you actually have real conversations
about money with your friends, family or colleagues at work?


With the pressures of running a household, owning a home or getting
ahead in your career there are a million reasons why your debt
continues to rise or you just don’t know where your paycheque is going.
But for some reason, no matter how much it weighs on your mind money is
always off limits. That is until now.


Two years ago, we were a collective financial mess. We were running
from collection agencies, hiding shopping sprees from our partners and
splurging to numb the pain of recent breakups.


We were smart, successful women in our 20s and early-30s with good
careers and a lot on the go, but for some reason, we just couldn’t seem
to get ahead financially.


Then, in early 2006, we saw an episode of The Oprah Winfrey Show that
focused on getting a handle on your debt. We’d each been searching for
a way to take control of our finances so we thought, why not do it
together? We decided to form a money club — kind of like a book club,
but instead of reading and discussing books, we’d be reading our bank
statements and discussing ways to pay down our debt and make more money.

Barely a year after the Oprah episode aired, which inspired our money
club, we were being featured on her show ourselves, talking about our
own achievements. We paid down our debt by $15,000, saved $15,000 and
increased our salaries by $45,000. Today, we have significant
investments in retirement, property and the stock market.

Whether you are trying to pay down debt or save for a home, a wedding
or a baby, it helps to have others behind you, supporting you along the
way. We always had the best intentions when it came to our money — our
bookshelves were lined with all the latest financial self-help books —
but none of it ever stuck. That is until we found the support we needed
in our friends.

Smart Cookies are not about deprivation. Rather, we’re about living the
sweet life without the sacrifice. And we’ll show you how to do it
without compromising your social lives, your sanity, or even your
Starbucks lattes!

Each week we will bring you topics that matter and answer questions
like how to get a raise from that prickly boss, how to make the leap
from your parent’s basement and invest in your own condo, how to plan a
fabulous night out without breaking the bank and much, much more.

For more information about what we do, check out