Choosing to Buy Local: A Small Moment With a Big Reminder

On our way home from a jiu jitsu tournament in the United States, I had one of those tiny, unexpected moments that sticks with you. At the border, I declared exactly what I had bought: $400 of clothing and $200 of groceries. Nothing exciting, just the basics.

The customs officer looked at our family of five and said, "You know, you could have spent $800 each." And without even thinking, I replied, "Honestly, we did not need anything… and we are trying to prioritize buying more in Canada when we can."

It was a simple answer, but it hit me how often our financial choices, big or small, are really just reflections of our values.

Why We Chose Not to Max Out Our Duty Free Limit

I am not against a good deal. But I also believe in being intentional with money.

Here is what was really behind that moment:

• We did not need anything. Buying for the sake of buying never feels good later.

• We try to support Canadian businesses whenever it makes sense.

• And let’s be honest, getting the kids packed, fed, and to a tournament is already enough adventure shopping for one weekend.

Small decisions add up. Just like with mortgages, it is rarely the big flashy choice that changes your financial picture. It is the dozens of little ones you make consistently.

Canadian Dollars, Canadian Impact

Our cost of living has climbed. Groceries feel wild some weeks. Interest rates have been unpredictable. And yet, every dollar we can keep circulating at home matters.

Does buying local solve everything? Of course not. But it does:

• Support neighbours and small business owners

• Keep Canadian jobs strong

• Reinforce the communities we actually live in

It is the same reason I encourage Ontario homeowners to look at the whole picture with their mortgage, not just the sticker price. The long term impact matters more than the quick win.

A Reminder We Could All Use

That border conversation was lighthearted, but it reminded me of something I see every day with clients.

You do not need to use the entire limit just because it is there.

You do not need to spend more, stretch more, or borrow more simply because you qualify.

What you need is a plan that supports your family, your goals, and your real life.

Buy what you actually need. Invest where it counts. And make choices that feel aligned, not pressured.

If You Are Re Thinking Your Own Financial Choices

Whether it is how you spend on vacation or how you structure your mortgage, clarity goes a long way. If you want to walk through your current mortgage or explore your options with someone who keeps things simple and honest, I am here.

If you would like to see what this looks like for your numbers, let’s talk.