My Neighbour Made Me Richer Over One Beer : The Saturday Weekend Review #156

The Saturday Weekend Review logo-richerFINDING RICHES WHERE I NEVER EXPECTED I WOULD…

 

I’m Richer because my bank account says I’m rich. Don’t expect that to pop up but I can tell you that many of us need to back off the money train and take a look at our lives, from all angles. 

How many slices are in your pie? You should know the answer by the time you finish reading this post.

Our neighbour went away on vacation with his wife for 2 weeks but since we hadn’t seen them we weren’t aware that they were gone. No big deal as we don’t talk to them everyday nor do we need to know their every move.

One day while I was out shoveling in the late evening I noticed that their garage door was wide open and no lights were on. The vehicles were nowhere to be found and instantly I knew something wasn’t right.

Since we have the key to their house in case of emergency I went in and locked everything up. They had gone on vacation and left their garage door open as well the man door to anyone who was thirsty to clean them out of house and home.

Just recently we’ve been notified that break and enters in our community have increased so the police reminded us to take caution by locking everything up. Without a number to contact them we were just waiting in hopes they would return.

It was 2 weeks later that they pulled into the driveway where we greeted them with a sigh of relief. They’re alive! When we asked how they were doing and where they had been, they told us they went on holiday to Jamaica for 2 weeks. They had forgotten to let us know so we would keep an eye on the house but forgot. Boy, did I have a story for them.

When I told him what had happened he apologized and thanked us for taking the initiative to lock the doors. People are getting desperate as money isn’t stretching far enough so instead of finding ways to earn extra money they are burglarizing homes in our city and breaking into cars. This always seems to increase after the holidays.

Related: How to make money fast without going crazy

I always get a bit freaked out when I hear that there have been break-ins and damage to personal property. I was kind of shocked that he was so easy-going about the situation as if it was no sweat off his back. I know if it were our home my heart would have started to beat fast and I’d worry if anything was stolen had a break-in occurred.

Being that my neighbour was so calm I asked him how he could still be smiling after learning that someone could have broken into their home and helped themselves to just about anything. So the story begins.

Did you know if you leave your doors unlocked and someone walks into your home and robs you that your insurance company might tell you that you’re out of luck? The same goes if someone steals your vehicle because you left it running with the keys in the ignition to warm up or to run into a store. Some cities have an idling by-law but that doesn’t stop people from doing things they shouldn’t. Most often it’s the rush of life that gets us into trouble.

Some of you may have the neighbourhood watchdog (you know the person who knows every move that is going on) but not all neighbourhoods do. I guess I was that neighbour during that cold weekday evening which resulted in my wife and I wondering if our neighbours were safe. Too many scenarios ran through our heads because this was so out of the ordinary for them.

Most people would be visibly upset about something significant like that but not this guy. He told me that he practices stress relief every day, twice a day for 15-20 minutes by closing his eyes and reflecting back on all the good in his life while pushing away negativity. Eesh, that sounded like lots of work for me with time I didn’t have.

I hardly ever have alone time with no agenda especially having a toddler at home. I need to make more time for myself to keep healthy if I want to complete my daily schedule. I’m not talking about working out either as I do fit that in every day. Sleep is a good start. Taking time out of your day to just enjoy life and think about your day is probably one of the best things we could do for ourselves. It’s so hard to do when your time balance is off like mine which can get the best of me sometimes.

My neighbour doesn’t get easily upset like he used to because he says it doesn’t keep him productive and happy. If you think about a time where you got upset try to recall how motivated you were to get something done after the fact. Most people need that “cooling off” period, myself included.

He told me that living without added stress on his shoulders helps to keep him richer. Richer? What on earth was he trying to say to me? Is he going to share with me all the secrets about how the rich get richer? Was he going to sell me something? Maybe he is the millionaire next door?

They certainly don’t flaunt having money if they are rich so why would less stress make him richer? Yep, questions just flying through my head like any other normal day when I try to understand what someone it trying to say without saying it. It was like trying to read doctor’s notes but then giving up because you can’t read a damn word. But I didn’t want to give up. I wanted to know what the heck he was going on about.

He’s a doctor and his wife is a professor who both love to travel and apparently enjoy living a minimalist life from what I could tell. The inside of their home was nothing what you would expect with their income level. I’m pretty sure there must have been vault of money hidden somewhere in the house. Thankfully, he didn’t leave me to come up with different scenarios, he explained to me what getting “Richer” was all about.

Just because they both have exceptional careers and people assume they have money and are living the high-life that means nothing if you are not grounded. He quickly dispelled that whether you have money or not you can live a richer life and all you need is pie. What like pumpkin pie, I thought? Hmm. He tells me that he’s a changed man and when others would panic over certain situations he’d be cool as a cucumber.

In the past he would typically stress out if something did not go the way he wanted or expected. Everyone has some form of stress in their life, now if only I could learn how to manage my own like he does that would be great. I’ve since learned it’s about mindfulness and extreme stress management. It’s not that people don’t have stress in their lives it’s the way they interpret stress and let it interfere with their day that may cause issues.

That disquieting attitude cost him his first wife, a pricey divorce and he lost a boatload of money in a company that he paid hundreds of thousands of dollars into. Oh…did he just tell me that?  “It is what it is”, he mumbled under his breath. You can’t change everything in your path but what you can change is your attitude towards how you want to live your life. So, that’s what he did.

When I questioned him about what he meant by “Richer” he told me that having money in the bank is only one part happiness if you think about it as an entire pie. Oh, there’s that pie talk again. You see, his pie has more than one slice and each slice represents a part of his life that he wants to improve. Those of us who don’t try to correct our mindset consume the entire pie at once which can upset your life balance…or your tummy.

Ok…I’m still listening to him intently as I’m intrigued with his deep thoughts and wanting a slice of  blueberry pie. Don’t ask me why I picked blueberry either.

What else made up the rest of his so-called pie of life? Well…I mustered up the courage to ask him because you all know I’m nosey and besides he’s already told me personal information about his sapping life. Why stop there when he can give me the full 360 degrees? No pun intended. At this point he invited me in for a beer and to listen to some tunes since his wife was out getting groceries. I obliged as my wife was putting our son to bed and a cold beer sounded good.

This is what I interpreted from what he told me over one beer that may have changed the way I think about being Rich(er) and how much I really like Pie.

 

Richer in the Bank

 

Money in the bank is nice to have but you can’t take money with you when you die. Money brings him security for his family, his livelihood and he understands that with his money he can make other people happy by donating to causes that are dear to their hearts. He wants to make sure there is enough to take care of them until the end but not stress over whether they have more than someone else. The rat race is never a safe place to be in.

 

Richer in Love

 

When your stress levels are reduced it leaves your heart wide open to be loved without the pain of thinking about what you should be doing, should have done and might have to do moving forward. He says too often couples forget to love each other in the pursuit of happiness, especially with careers and building their nest-egg. This can easily back-fire and cost you more in the long-run, including your marriage.

 

Richer in Health

 

When you do your best to eliminate stress it takes away a host of possible health issues that come with being stressed and depressed. So many people feel the pain of depression and daily stresses that they don’t even recognize the common signs and symptoms of being stressed. They believe it is the norm, but it’s not.

It wasn’t until he changed his mindset and began working-out that the stress disintegrated where he felt better about himself and his outlook on life. A balanced-diet along with yoga sessions helps him to find his inner core a peace that many of us take for granted. Some careers can be very demanding and dark that it’s easy to forget the sunshine of life, especially when you don’t put yourself first.

 

Richer in Happiness

 

Smiling wasn’t his best asset years ago as the stress of a demanding career and trying to take care of everything that people wanted literally sunk him. He was being tugged in a million directions and wondered when it was his turn to be happy.

He wasn’t content with the man he had become where his wife had told him on many occasions that things needed to change. The last thing he wanted was to have another marriage break-down because he wasn’t happy. He took the liberty to practice smiling every day while continuing to motivate himself with positive quotes he’d found online or by reading self-help books. See, doctors are human too and feel pain the same way we all do.

When he realized that the biggest stress in his life was worrying about whether they would have a secure financial future he realized that he had all the riches he needed, Happiness, Health, Love and a Bank account. Sometimes losing everything like he did pushes you to look at the world differently.

 

You matter

 

He ended our beer drinking session saying that he used to be fueled by how much money he had in the bank and how successful he was but that has since changed. Money comes and goes and all that is important in his life is packed away in the “Richer” life he’s given himself by practicing what he preaches, “Life goes on” and pie is good.

Don’t sweat the small stuff came to mind when he said that and it all makes sense now. Too often we worry obsessively about things we can and can’t control. I like his way of thinking…maybe I’m already Richer than I think. Now, where’s that pie?

 

CBB Week At A Glance

 

What a fun week we had with our son as he’s changing so much everyday. He has learned the alphabet and can already start singing the ABC song. He is able to pick out numbers and letters on an educational white board that my wife created. He’s also shown interest in washing the dishes and sweeping the floor which I hope he continues to enjoy along with cleaning his room, mowing the lawn, shovelling and a host of other chores as he gets older. Never a dull moment being a parent.

I’ve worked longer hours lately because I’ve opted to stay at work to get paperwork done after my shift so I actually finish it. I find when I get home I turn into hub-daddy and it’s so hard for me to get into my home office to finish up my workload. I find staying at work a bit longer helps me so I can focus on myself, my family and the blog at home.

Other than snow… we had a great week!!

How was your week?

-Mr.CBB

 

Awesome posts published this week

 

Just in case you’ve missed any of my blog posts this week I will share them all below. If you are looking for past Saturday Weekend Review posts scroll down to the bottom of this post where I will list up to 5 previous weeks for you to read.

If you have a question that you would like to ask Mr.CBB fill out the Contact Mr.CBB form on the Blog Home Page and I’ll do my best to reply to each one. If you want to share a story via a Fan Question please ensure that there is minimum 500 words and lots of details…we love details! I’m more than happy to chat via email to bring your story to life.

New: If your story submission gets chosen and published you will be entered into a yearly draw for a $25 Gift Card or $25CDN via PayPal if you are from the USA.

Right now CBB is posting Tuesday (Grocery Game Challenge), Thursday (Personal Finance Post), Saturday (Personal Finance and Weekly Wrap-Up and a Frugal Recipe on Sunday!

Popular Post this week: A must-read > How much should my grocery budget be?

 

Budget Brags

 

Submit your Deal or Brag:

Saving money while grocery shopping is essential in the CBB family and that’s why we share our grocery shops every week in The Grocery Game Challenge .

Join the Budget Brag Challenge 2016 and WIN!!!

What I love the most is when my fans share their amazing shops with me whether it be groceries or other deals they find at a garage sale, online or freebies!  In 2016 if you submit your Budget Brag you will automatically get entered into a yearly draw for a surprise gift card.

If your Budget Brag gets chosen you get an extra ballot! So start sending in your brags with a photo and write-up telling me about your deals. If you are from the USA and win I will PayPal you the money in CDN dollars. Open to Canada and USA only.

If you have a brag that you want me to share email me at canadianbudgetbinder@yahoo.(ca) < remove brackets) or fill out my contact form by Friday each week to have your brag considered for the Saturday post.

Check out what Birgit got!! Yes Birgit you can

Dessange Shampoo Hair Treatment

Hi Mr. CBB and Fans!

My budget brag of the week…. I can’t decide.

If non-food items are allowed it’s definitely the Dessange Shampoo that would have cost $14.68 and the Dessange Hair Treatment that would have cost over $15.00
Thanks to a coupon I got the Hair Treatment for free, another coupon gave me 1000 extra shoppers points and Checkout51 paid me 15$ cashback. I actually made 32 cents by going shopping and got both items for free.

If the item has to be a food item I’d say the box of Kashi Bars that I bought today!
Shoppers had them on sale for $2.99. I had a $1 off coupon and got another $1.50 from Checkout51, so in the end I paid 49 cents for 6 Kashi Cereal Bars that will be my snacks at work for the week.

Happy Saver over here!

-Birgit

 

Making A Difference (MAD)

 

Welcome to the 2016 Making A Difference series!

If you are a personal finance blogger (anywhere around the world) and would like your blog to be MAD featured simply drop me an email and I’ll explain the process to you. I’m currently booking for February 2016!

This is my way of giving back to the personal finance community through networking and sharing knowledge with my fans. Today it is my pleasure to share with you the blog Money Buffalo.

Hello CBB Readers,

My name is Josh and I’m the author of the personal finance blog Money Buffalo. You can visit it at www.moneybuffalo.com.

You are probably curious how I came up with the name Money Buffalo. Well, an expression I heard growing up when somebody who was always thirsty and drank lots of water, was called a “water buffalo.”So I thought the term “money buffalo” was only fitting as you picture somebody who would have tons of spare money in their wallet.

I started Money Buffalo in September 2015, shortly after leaving my time-intensive corporate job in the Transportation industry. It had become a “dead-end” job and the negative tradeoffs were no longer worth the paycheck. It paid well enough to allow us to acquire a nice nest egg, but not enough to ever dream of “early retirement” as some other FIRE bloggers write about.

My wife and I are currently pursuing self-employment and working on several different projects. Blogging was a bit of an afterthought really. We both created blogs in a respective niche. I chose personal finance, as it was the one genre I have focused on in my free time and as a way to teach the value of money management & the benefits of financial independence to others.

Here are some of the ways I want to make a difference in the world through Money Buffalo:

  • Financial Independence Is Awesome! Two years of being debt-free allowed us to leave a not-so-great job to pursue our dreams and choose a vocation that permits a better quality of life. We will have a mortgage for our new house but plan to be debt-free by 2025. Some people just don’t know what they need to do to save money & I want to share how we are saving money.
  • Money Management Advice For Millennial Fathers & Families. I want to be a voice that relates to people that do not have high incomes and might have to work until retirement age. There was a pair of “golden handcuffs” around my hands for several years and the world didn’t end when I finally took them off. We don’t have everything figured out but I enjoy the conversations & advice that come from blogging.
  • Chronicle Our Financial Lessons Learned. We are learning lots of new things every month as our life has had a lot of changes this past year with the birth of a child, changing careers, and building a house. We want to let others with a similar vision to know what to expect.

 

Top Recipe

 

shredded beef and jalepeno popper burgers(1)

Food and grocery shopping is a BIG part of CBB because food is a large part of the budget which people struggle the most with. If you are someone who would rather buy convenience meals or products consider cooking homemade meals or baking from scratch. Not only will you save money but you will be proud of what you’ve accomplished and you’ll see that from the smiles on those you feed.

For the past 2 years I’ve had a second Facebook page called The Free Recipe Depot where I exclusively share recipes from Food Bloggers around the world. I also share recipes on the blog on Sunday either made by home cook and mom Nicola Don or myself.

This week our Top Recipe Pick goes to Annie who blogs over at Maebells for this amazing Shredded Beef Jalapeno Popper Burger. This is definitely a burger I could sink my teeth into. 

 

Top DIY Project

 

diy crate bookshelf(1)Every once in a while I come across a DIY project that makes me wonder, why didn’t I think of that? I’m sure you feel the same way too. It’s not easy to always think outside the box, ha!

My father-in-law had tonnes of crates at his house that he didn’t want and I had a look at them and told him I wasn’t interested in them.

Just when you thought you’ve seen it all… this happens.

Little did I know you could make this amazing DIY Crate Bookshelf like Tara over at Tara Michelle Interiors who came up with this brilliant idea.

It cost Tara about $120 to put this gorgeous book shelf together with all of the materials that she needed to purchase. She bought the crates for $11.99 on sale with a 40% off coupon at Michael’s.

Check out her tutorial and see just how easy this is to put together. Most people already have some of these materials and tools at home so it may cost you even less.

 

Materials Needs:

8 unfinished wood crates
Sander or just a few grades of sandpaper would work
6-8 Sponge brushes
Rags
Plastic table cloth (not pictured)
Minwax Provincial Stain – 946ml can (any stain color would work)
Minwax Paste (isn’t completely needed, I already had on hand)
Drill or screwdriver
Screws – 1 inch
L bracket (not pictured)

 

Editor’s Pick

 

Every week I will pick a blog post of the week from around the web that I found interesting and want to share with all of you. Please head on over and give the post a read and let them know that Mr. CBB sent you if you comment. Thanks.

Editor’s pick (That’s me Mr.CBB) I was over at the Globe and Mail and read Five Signs Your Counting Too Much on CPP for Retirement which I think everyone should read. Too many people rely on the government during the golden years which may not be the best option. I always say to rely on yourself and nobody else.

If you think Canada Pension Plan (CPP) and Old Age Security (OAS) benefits will give you the goods to fund your golden years, you might want to sit down.

 

How readers find CBB

 

Every week I get thousands of people visit Canadian Budget Binder because they did a search online and found my blog. Any spelling errors below are because I share with you the exact way they typed their search engine query to land on my blog. Some of them are serious and others are meant to have a laugh.

  • What happens if you work for a month on mat leave and don’t report your hours?– Is it really worth risking it all by playing the system? I’m going to say NO. Report your hours.
  • Simple little things to earn extra money in Canada– Deliver newspapers, babysit, cut grass.
  • Can my parents see my bank account?– If you let them or if the account is in their name yes.
  • Do I need to show ID to return defective product?- Not unless you are buying alcohol,smokes or lottery tickets. Your receipt is all you need.
  • Is it OK to sell free samples?– Well, no they are free samples but it’s up to you. I’m sure the free sample police aren’t going to arrest you. You never know though what could go wrong. Most times it says Not for re-sale.

Don’t forget to subscribe to my daily blog post by entering your email address on the home page and verifying the subscription email once it is sent to you. I never share your email and you can unsubscribe at any time with the click of a button although I hope you stick around forever.

Note***If you don’t verify the subscription via the email I send you right after you subscribe you won’t get my daily blog post*** I’d hate to not have you here so please click “Subscribe” in the email.

Thank-you!

-Mr.CBB

Related Articles:

Mr. CBB
Mr. CBB was born and raised in the United Kingdom who then moved to Canada where he is a permanent resident. He recently became a father to a very busy toddler who allows him to be a kid at heart. He bought his first house at the age of 21 after University and his second at the age of 24. Both Mr.CBB and his wife are Debt and Mortgage Free and they did it all in under 5 years using a Budget. Canadian Budget Binder is a place where he shares their financial experiences with his readers and hopes to learn about theirs. Welcome to CBB!
Mr. CBB
Mr. CBB

Comments

  1. I would just like to add a bit to the 3 legged stool comment on retirement……I only see numbers quoted for CPP and OAS….to be fair…you should include the GIS (Guaranteed Income Supplement). If you find it hard to live on $1500/month then you are living way beyond your means…….after living on $800/month for 5 years (2009-2014) living on CPP, OAS, and GIS has made things much easier….still fixed income, tight budget…..but….zero debt….and most people by retirement are debt free……

  2. Christine Weadick says:

    Interesting article on retirement income and from Colleen. Not sure what will happen around here when/if hubby makes it to 65 but I doubt it will be good. With his health issues things have been tough as you know.
    You are a good neighbour and I am sure much appreciated. We are likely the local nosy neighbour around here. I’m always looking out the windows at the weather and what ever goings on I see. Sounds like yours has a good attitude on life these days..hard lesson learned.
    The bookcase from crates looks interesting!! The wheels are turning to see where I could go with that idea!!!
    Birgit got a couple of very sweet deals!! Have a wonderful weekend!!!

  3. I saw Birgit’s Budget Brag (nice alliteration!) and applaud her finds. But I am confused about her report. Birgit says she bought six Kashi bars for 49 cents, by applying a coupon she had plus another she acquired. Any coupon I have ever read states that each coupon can be used for one item only. Further, most offers limit one coupon per item. So how did she use TWO coupons for SIX items? Is there some sleight-of-hand at play here?

    • Hi Barrie,
      This is a great question. What Birgit did was purchase the Kashi Bars on sale for
      $2.99…then she applied a paper coupon for $1.00 off…then she uploaded her receipt to Checkout51 where she earned further money back on the product as it was a featured product that week. With coupon apps you can use in-store coupons AND the app to get more savings. It’s a hell of a deal if you ask me. Here is the checkout 51 link. There are many coupon apps in Canada you can sign up for. If 2 apps have the same product you can get even more discounts which I’ve seen happen before, potentially making you money. Here is my post about Coupon Apps in Canada. I hope that answers your question Barrie. Cheers Mr.CBB

  4. “When he realized that the biggest stress in his life was worrying about whether they would have a secure financial future he realized that he had all the riches he needed, Happiness, Health, Love and a Bank account.” – that is very well put. I am just about a week out from giving my early retirement notice at work (@ age 49) and looking forward to making more time for all of these other RICHES! Thanks for the great post!

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