What’s Stopping You From Managing Money? : Dec 2017 Year-End Budget Update

THERE’S NO WAITING GAME WHEN YOU WANT TO MANAGE YOUR FINANCES EFFECTIVELY   Whether you are in debt or not managing money must begin today if you want to feel good about your financial future. Personal finance management starts with a positive mindset where you believe your situation will get better and not waiting for opportunity to knock. Trust me, if I didn’t get my butt out there looking for a job when I moved to Canada or put myself back into school I’m not sure where I’d be today. I’d likely be working at a job I didn’t like but I would do it for the money. That’s the way the world goes but I certainly wouldn’t have ended my job search. Perhaps some of you reading this today may feel you are stuck in the same or a similar circumstance and although it may not be your ideal situation managing money must be a part of your routine.   To App or Not   These days there are apps for just about anything when you want to manage your money. There’s an app for your banking, budget, spending tracker, allowance tracker and so on. Personally, I think these […]

grocery game monthly challenge

Quick Tips For Buying Groceries Without A Vehicle: The Grocery Game Challenge 2018 #3 Jan 15-21

CHOOSE GROCERIES WISELY WHEN SHOPPING WITH LIMITED OR LITTLE TRANSPORTATION TO HELP SAVE YOU MONEY   When I was in University I didn’t have a supermarket near me which meant I had to get creative with buying groceries and stockpiling sales so I didn’t go without or even worse, run out. It’s not like I wouldn’t have been without food since there were and still are take-away shops in just about every village in the UK. Being a frugal guy all my life it was rare you’d catch me eating out when I could make it at home for less. I would and still do get more enjoyment out of creating delicious meals at home then heading to a restaurant. My idea of eating out would be a restaurant or street vendor selling food that I’d have no idea how to cook, won’t cook or foods I’ve never tried before. Many people who do go out to eat get the same boring food that’s relatively easy to make. That’s not really why a majority of people eat out anyways, it’s the convenience. When I get asked why so many people eat out I know that one of the biggest reasons […]

Chai Spiced Pear Scones with Toasted Almonds

SNUGGLE UP TO THESE CHAI SPICED PEAR SCONES WITH A CUP OF HOT TEA   Chai spices scream winter and combined with pears you’ve got yourself a winning combination which is what inspired these gorgeous Chai Spice Pear Scones topped with toasted almonds. I decided to keep these Chai spiced pear scones plain and simple without any other added sugary glaze or icing on top of them. I didn’t want to turn them into a cake type dessert so going with simple pears scones was the direction I took especially since I’ve cut back on my sugar intake the past two years. These pear scones are wonderful when you want to relax with a hot cup of tea and enjoy a snack or I’ve even toasted them in the morning then topped them with butter. Other types of scones that I favourite are my Pumpkin Spiced Scones, British Scones with Blackberry Apple Jam and for Mrs. CBB she fancies the keto scone in a mug.   What to do with pears?   Pears are one of my favourite types of fruits but they must be ripe for me to enjoy the natural flavour. A hard pear has no flavour at […]

3 Budget Guidelines That Fuel Our Financial Success

TAKE WHAT MONEY YOU HAVE AND TURN IT INTO FINANCIAL FREEDOM   If you think setting budget guidelines are financial over-kill than let me tell you how good debt freedom feels–damn good. You can do this too! The idea is to start somewhere small to get to where you want to go that’s far bigger than you have ever imagined. It may not happen as fast as it did for us, but you’ll get there. So go ahead laugh or say you don’t need to push the limits with your budget because I will shout from the highest mountains (right now that’s the snow pile at the end of our drive) that you get out of budgeting what you put in, full-stop. Creating a budget should be the least of your worries when it comes to budgeting because most people don’t even get past the first stages, “thinking about budgeting” As soon as the new year hits this blog gets power-housed from readers all over the world looking for budget tips. That’s refreshing to see but I’d like to see this happen not just in January and February, but all year-long. There are so many free budgets online including our […]

grocery game monthly challenge

How To Create A Master Food List To Slash Expenses : The Grocery Game Challenge 2018 #2 Jan 8-14

YOUR GROCERY SHOPPING EXPENSES AREN’T GOING TO BALANCE WITHOUT A MASTER BEHIND THE PLAN   Easing into the grocery budget process by testing the waters for a few months with a Master Food List might just be YOUR ticket to food shopping success. If you’re anything like me when I was single I would tend to create the same recipes over and over only because it was easy, saved time and kept me from lingering around the grocery store. Once I got married we decided to become a lingering grocery shopping couple who had a frugal mindset yet we were and still are working on cutting back on roaming. This got me thinking the other day how easy it is to overspend when grocery shopping even if you have a meal plan and a shopping list. Besides having a focused mindset when in the grocery store it’s important that you stick to a food list that offers your meal plan all the staples. In the UK my list would have been small, certain vegetables, milk, eggs, cheese, pasta sauce, tortellini, sardines, bread, butter. I was and still am a simple guy but once I got married, EVERYTHING CHANGED! Our diet […]

Soft Baked Low Carb Keto Pretzels To Go (Step By Step)

KETO SNACKS ARE GREAT TO HAVE ON HAND WHICH MAKES THESE LOW CARB PRETZELS A WINNER!   These aren’t your ordinary homemade pretzels loaded with carbs, nope they are a delicious Soft Baked Low Carb Keto Pretzels that are a must-try. Don’t get discouraged by the rolling and twisting of a pretzel because let me tell you a little secret, it’s incredibly simple to do. I will show you below in the photos step by step just how easy it is to twist a pretzel into shape.   Flavoured Keto Pretzels   Not only are these Keto pretzels soft with a crunchy exterior with bits of sea-salt they are gluten-free pretzels. If plain tasting pretzels aren’t your thing don’t think twice about adding spices to your pretzels either. Flavoured pretzels are the bomb and taste delicious on their own or dipped in your favourite soup or chili. Some of the best flavoured low carb pretzels we’ve made have added onion powder, garlic powder and we’ve even made keto cinnamon pretzels. I know right? Pretzels are the perfect homemade handi-snacks for work or school which makes them easy to transport in a bag.   Keto Snacks to-go   Snacks are one […]

5 Examples Of A Wealth Mindset To Inspire You In 2018 : The Saturday Weekend Review #247

Building wealth from scratch takes more than just Money   Who wants to become a millionaire these days? Not as many people as you think because they are working on becoming debt-free before anything else. You must understand that to reach your top-level of financial success you must carry a wealth mindset wherever you go and with whatever you do in life. Sounds like lots of work BUT if your goals especially for the new year are to smash debt, build investments and increase your income you simply can’t spend without mindful habits of the rich. Why the rich? Last year I published a post about Rich being my new Happiness and I wrote that to remind myself and others that YOU define rich, not anyone else. I wasn’t shocked to see how popular that post became only because most people are getting rich shoved down their throats these days. Never-mind becoming rich, I just want to become debt-free. For most people this year will be a year of finding even more ways to save money because budgets are getting tighter, employers are laying off or shutting their doors and minimum wage has gone up and so will everything else. […]

How To Fight Credit Card Debt With A Balance Transfer Option

A BALANCE TRANSFER MIGHT BE THE OPTION THAT WORKS FOR YOU   Ah, the New Year, a new perspective, a new way of looking at things in our lives. For lots of people the New Year means making resolutions or promises to themselves to stay on track with their goals. Maybe your New Years Resolution is keeping that promise to yourself about quitting smoking and saving money at the same time or just saving money, starting a budget or starting a new career or second job. Beginning your year with a monthly budget can be a great start to tackling your debt. We’ve been using a budget for a number of years now and track all of our income and spending which includes asking for receipts. Sounds a bit boring but in part this is what allowed us to become debt free before we were 40 years old. Ultimately whether we had debt or not our budget allowed us to see what’s costing us more than it should and to adjust our spending habits to compensate for it. Related: How to create a results driven budget for 2018 I’m not going to lie to you, having a second job helped […]

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