Renting the right way protects career woman

Renting apartment

LOOK OUT FOR NUMBER ONE   It’s that time of year where students are renting apartments, rooms or anything they can get their hands on just so they can go to school. Students aren’t the only people looking at rental listings, it’s everyone who needs a place to stay because they aren’t homeowners. When we are young we don’t think much to the rental game that is out there for those homeowners that want to pay down a mortgage on a rental unit. The game is simple, rent out the house so it pays the mortgage, repairs and city taxes. With the right tenants it’s money in your pocket as a landlord. Some landlords take it a step further and don’t repair homes etc. but that’s an entirely different story. Some people don’t even own homes and try to get rent from unsuspecting people who are looking for a safe place to live. Not every landlord is shady but between landlords who can’t even afford to keep a house going and those renting an apartment online for cash or online fraud with rentals it can be a tough game to play. Real estate scams are a big business especially once […]

Sweet and Sour Red Pepper Sauce

sweet and sour red pepper sauce

JAZZ UP YOUR FLAVOURS   If you buy sweet and sour red pepper sauce in the international aisle at the grocery store I’m going to show you how easy it is to make at home for a fraction of the cost. You might also know the sauce as a sweet chilli sauce which many buy as a dipping sauce. This is just as good if not better… but I’m biased. Well it’s nearly time for all the kids to go back to school and this year all three of mine will be off on new adventures. I won’t try to hide my excitement knowing that I will have my kingdom to myself next week but that just means I’ll be even busier in the kitchen creating new recipes. You may also find around this time we see all the sales in the stores and we try to stock up for next season. Just the other day I noticed cases of Roma tomatoes on sale for $7.99 at Zehrs which is a great price if you want to can tomatoes for salsa, pasta sauce or just eat them up. I do try to prep for the winter months and do all […]

Reflection on summer days: The Saturday Weekend Review #87

The Saturday weekend review Summer Days

SUMMER MEMORIES   Hot summer days might not be the appropriate words to use for summer 2014 in Ontario with the up and down weather we’ve been having. Since we are getting hammered with heat this week we’re still in the clear to enjoy the best days of summer holidays. I didn’t want to make this post the usual Saturday blog post because it’s the Labour Day long weekend which means school starts back up which brings financial changes for most people. I also wanted to make it personal in hopes you share memories of your summer days in the comment section. What’s open for the Labour Day Weekend? I don’t know what’s open in your local area but in the Toronto area we have some shops open. Many of you might be enjoying one of the last weekends at the campground or prepping for back to school. You might plan to attend some local attractions for the long weekend such as the Toronto Zoo, Wonderland, Toronto Science Centre, CN Tower, Toronto Eaton Centre or hit the beach but all government is closed including the LCBO so stock up today! It’s hard when summer days seem to end at the […]

Is there truth to less stress with financial freedom?

financial freedom

FREEDOM IS DEFINED BY YOU   Financial freedom means lots of things to many people and although everyone has their thoughts on what life is like without any debt for some it’s not all that it’s cracked up to be. What would it take in order for you to take your stress financially from one level to the next? Would you have to pay off your credit cards, all of your debt, your mortgage or simply just be able to live a comfortable life while paying off your debts? In a conversation with a colleague the other day he brought up a friend of his who just built a new house that he paid cash for, his wife doesn’t work and they have no debt. Top that off with a well-paying job so that must mean his life is all roses, right? Wrong. We don’t know that. He seemed jealous to be honest especially when he said “it must be nice to live a stress free life” which made me wonder why people think that debt=stress. I’ve had people we know think that I must make lots of money with the careers I hold but what they don’t know is […]

grocery game monthly challenge

Protect your wallet from the pickpocket at the grocery store: The Grocery Game Challenge #5 Aug 25-31, 2014

Pickpocket steals wallet from purse

SECURE YOUR VALUABLES   You don’t think the pickpocket pro will target you but all it takes is you to turn your focus for one second and your wallet will be missing. Learning how to pickpocket doesn’t require a degree rather it’s simply practice and you don’t want to be the one they practice on. I don’t know if any of you, especially the ladies have had your wallet stolen from your purse before but you can feel so violated knowing you were right there. I could have probably taken my camera and went around a few grocery stores this week and snapped pictures of lonely shopping carts with open purses sitting in them. It happens all the time and for some reason I notice these things and maybe because my instincts kick in wondering how someone could leave their purse alone for someone to steal boggles my mind. I make sure my wallet is always in my back pocket even though many men will tell you keeping your wallet in your front pocket is likely a better place to deter any pickpocket. Yes a pickpocket will put their sticky fingers in your back pocket to steal your wallet or […]

Parents tell son he will create credit card debt with rewards cards

credit card debt

CREDIT CARD BUDGET SAVINGS   I talk about credit card debt on CBB once in a while and I also talk about how credit cards can easily be your friend if you use them properly. Many people use credit cards today rather than carrying cash with them. It’s simple to tap, swipe or insert and enter a pin to pay for a purchase and in most cases it gets you through the checkout faster. We carry credit cards because of ease of use and of course there are perks to using Canadian Credit Cards if you use them wisely. Credit cards have helped many people get back on their feet because they knew money was on the way. One friend of ours was in between jobs and used the credit card to get grocery rewards which helped them to buy more groceries for the family every month. One of our current rewards cards the SDM Optimum has almost 500,000 rewards points which is equal to about $1000 worth of free product. We don’t own the Optimum credit card but if you did you could get even more Optimum points faster.   Credit card debt   How to pay off credit […]

Cheesy Tomato Pie with Potato Crust

Tomato potato pie

TOMATOES IN A SAVORY PIE…   Enjoying a slice of tomato pie might not be your idea of an ending to a meal but this pie is a main dish that is a must try if you love tomatoes, cheese and potatoes. If you are a gardener planting and growing tomatoes is tops on your list. With proper tomato plant care you will likely be enjoying tomatoes all summer long. It’s now that time of year where our gardens are over-flowing with tomatoes and many of us are struggling for ways to use them up. Although many of us stick to the common tomato recipes such as tomato salsa, tomato sauce, pasta sauce etc. we often want to go above and beyond and try something new.   Cheesy Tomato Pie   You can easily stuff tomatoes and top with breadcrumbs but you can also take it a step further and create a tomato cheese pie. That’s right pie recipes aren’t meant for sweet pies but also savory pies. Red tomato pies are popular because they are savory and an easy dinner to whip up during the week or on a lazy Sunday. Although there are many varieties and colours of […]

Single mom entrepreneur makes millions with lunchbox idea: The Saturday Weekend Review #86

Entrepeuner purple petunias hanging basket .JPG 2

BACK TO SCHOOL IDEAS   I’ve always believed that an entrepreneur has to believe in their product more than anyone else to get it off the ground. How many times do you have an idea in your head and think if only I could make a proto-type and sell it to make millions? I’m the worst for not caring about turning my ideas into something more even though I hear my wife once in a while say, “That’s a brilliant idea”. Who knows maybe I am flushing money down the toilet but it takes a special person to want to run with their ideas. I bet there have been many occasions something has popped into your head although it doesn’t necessarily mean it will be a hit, but what if it was?   Entrepreneurial ideas   Becoming and entrepreneur is not an easy task and even young entrepreneurs must have the same devotion to their ideas as an adult. Coming up with good entrepreneur ideas are the end all be all for some people who hang out in social entrepreneurial groups where they might chat about their ideas and help each other bring their dreams to life. Owning a small […]