Canadian Budget Binder Logo

Welcome to Canadian Budget Binder (CBB), come on in and see why you WILL WANT to join one of the top Personal Finance Blogs in Canada. We’ve been having lots of fun at CBB since we started writing back in 2012 understanding the importance of financial education for families all over the world.

We’ve went from over $600,000 in debt to debt free including our mortgage in just 5 years and we explain to you exactly how we did it here at CBB and offer you the SAME tools we used along the way.

The first thing you’ll want to do is Subscribe to Canadian Budget Binder because there are over 1000 amazing articles with information to help you kick debt and get onto the savings track like we did.

I won’t share your email nor will I send you multiple emails every day and yes I’m a real person who lives in the Greater Toronto Area. I work full-time but don’t disclose my employment due to the nature of my position.

The key to getting on track with YOUR finances is to challenge yourself and stick to a PLAN.

At CBB we’ve got you covered and best of all I’m open to talking to you if you need guidance or someone to chat to.


Who is Mr.CBB?


I’m Mr.CBB a Geeky British guy who shares his inspirations with you, the fans. My name really isn’t Mr.CBB but since I post our actual budget and our actual Net Worth Updates I choose to stay anonymous but if you really need to call me a name you can call me Mo!

I’m from the UK and a permanent resident in Canada and I love my life here in Ontario. I bought my first house at the age of 21 then my second at the age of 24. I’ve always been fascinated with personal finance, learning to make money and watch it grow while combating debts along the way.

Yes we have had debt, yes the wife had OSAP and car loans that put saving on the back burner for a while. There was also a point in my wife’s life where she was on social assistance just to make ends meet until she could find a job after she graduated.

Although that didn’t last long she understands the need for the system but she also understands how important a job search is and dedication to taking any reasonable job you can just to be free from that system. We also know what it’s like to start our lives as newlyweds and for me learning to navigate living in a new country.


Our Journey To Debt Freedom Explained


We saved our money from a young age and went on to have part-time and full-time jobs throughout the years into College and University. We were fortunate to grow up in families who taught us the value of money and to save for what we wanted but we never relied on anyone even during tough times.

It was important for us to learn from our experiences rather than to be bailed out all the time. We both feel teaching children about money at a young age is critical to their future.

After we were married we continued to save so we would have enough money to pay for a decent down-payment on our Canadian home. We didn’t want to be house poor getting the giant mortgage that the bank said we could get.

We took time looking for the right house to call home and one that didn’t break the budget so we could easily use just one income for all household expenses. We were able to put down 32% of our mortgage as a down-payment, pay off 2 newer vehicles and our education by living a frugal yet sensible life.

Although we both went back to school in our 30’s it has taken us some time to build our careers and our salary so we are able to save more and continue to spend less. Nothing was handed to us, we worked hard even if that meant starting over while our friends were already having kids and living in their dream homes with the amazing careers. It didn’t matter to us, what matter was what we needed to do to get where we needed to get.

A big kick-start to the debt pay-off was using a Budget! Yes, that’s right and if you don’t think that a budget for you than you probably are reading the wrong type of blog. I’ll tell you just how much we spent and how much we earned every month to prove to you that it’s possible to save and become debt free with patience and determination.


Debt Free Before 40


As of June 2014 we became mortgage and debt free under the age of 40 just five years after purchasing our home. In the midst of this we decided to have a baby and are now parents to a very busy little toddler whom we love very much.

Although we had the money in 2013 to pay off the mortgage we were waiting for the exchange rate in the UK to work in our favour before moving our money over. Since achieving debt freedom we’ve been investing aggressively in our retirement savings, renovating and going on holidays so far to Spain, UK, Iceland and hopefully across Canada soon.

In my spare time I enjoy photography, finance, politics, renovation projects, gardening, cooking (you can find all my recipes in the free recipe index) , nature, outdoors, hiking, keeping active, basketball, soccer, running and meeting up with friends and family. Life hasn’t been easy but it also hasn’t been as difficult as it could have been if we hadn’t been determined to live a frugal life so we could live a comfortable life down the road.

Balance is how we were able to get over all the bumps in the road especially when friends were buying big houses, boats and enjoying the finer things in life. Don’t get distracted with that. I’m here to tell you how and what we did to get where we are in hopes of inspiring others to make a change and share their voice like I am today.


Get FREE Money Saving Tools


Since 2012 I’ve been creating our family budget and tonnes of other valuable resources that have helped us continue to save MORE MONEY and stay organized on our journey. I’ve always offered them FREE of charge to my subscribed readers and I hope you take advantage of it just as thousands of other readers have with great success.


What is Canadian Budget Binder About?


Canadian Budget Binder (CBB) is MORE than one of those boring finance blogs that talk money ALL THE TIME. CBB is a virtual binder filled with life topics surrounding personal finance and everything in between.

If it has to do with money, we talk about it at CBB which means we talk about food, relationships, parenting, investing, mortgages, real estate and how to make and fix stuff too. I believe that anyone can use a budget and should if they want to get on track with their personal finances and often that means being handy or continuing to educate yourself about the stuff that’s going to cost you MONEY.

Every category in a budget represents a part of our lives so we talk about each of these categories of life. As CBB continues to grow we expand topics that Canadians want to learn about because this is what they are asking for.

You can expect to read topics pertaining to Budgets, Food/Food Tips, Relationships, Finance Success stories, DIY, Real Estate, Recipes, Gardening, Frugal Living, Investing and more.

I also host the popular Canadian Grocery Game Challenge which has seen many fans lower their grocery budget and so can you! This is your chance to take control of your spending and we’re here to help. The GGC has been around since the beginning of this blog and with over 250 blog posts surrounding the GGC there is PLENTY to learn if you want to tackle your grocery budget while living in Canada.

Check out how one couple Jen and Ken changed their life by using my budget and playing The Grocery Game Challenge and so can you! If you are motivated to get out of debt and get on track financially anything is possible.

If you still don’t think it’s possible to save money and pay down debt another fan went from spending $1100 a month on groceries to $600 a month in 6 months or Tony who paid off $100,000 of debt by spending less than he earned and paid off his families debt.

Don’t give up hope!

Working together to build a place that is safe to be YOU is what CBB is about. That is what sets us apart from all the rest. We CARE, we LISTEN and we want to share YOUR VOICE. We don’t criticize we try to LEARN from everyone’s life experiences. That’s CBB and we’re glad that you decided to subscribe and hang out with us.

We’ve all made mistakes  in our lives and continue to make them even though we try to make positive changes. You can fail here, but we are here to help pick each other up so you can work towards reaching your goals.


Inside Canadian Budget Binder You Will Find…


Canadian Budget Binder Budget Spreadsheet

This is only a highlight of what you will find when you open Canadian Budget Binder and turn the pages;

My 10 Step Budgeting Series detailing how we designed our budget and how you too can use a budget.

  • Free Money Saving Tools
  • The Ultimate Grocery Shopping Guide
  • The Grocery Game Challenge Canada **Popular Weekly Challenge**
  • Grocery Shopping In Canada
  • Fan Success and Inspirational Stories
  • Canadian Real Estate and Mortgages
  • Importance of Saving and Budgeting
  • Debt Reduction
  • Gardening, DIY, Home Maintenance
  • Frugal Tips, Handy Tips
  • Book and Product Reviews
  • Retirement and Investing 
  • Canadian Couponing 101, Coupon Match-ups, Checkout51 
  • Food and Frugal Recipes
  • Relationships, Divorce, Newlyweds,Weddings, Parenting
  • Insurance


Who is Canadian Budget Binder for?


Canadian Budget Binder is for fans of all ages from all over the world who WANT to learn about Personal Finance and living a frugal life. Personal finance is such a broad topic so it’s nice to get the perspective of different age groups who have different life experiences.

So, please won’t you join me here with our many fans from around the world and share your voice! Let us learn from each others experiences so we can all make money work for us and not against us.


Introduce yourself 


Don’t be shy, I’ve introduced the CBB family so go ahead and introduce who you are and tell us where you are visiting from in the comments below.



Before you go…. Please subscribe to the blog to get my new posts via email and if you have any questions feel free to send me a message via the contact page.

This blog runs on affiliate marketing which means we earn money from time to time from reviewing products or sharing affiliate links. Thanks to these companies and fans like you we are able to continue running this blog. Big Thanks to all.

Please note: Affiliate Links may be present in my posts. By clicking on these links and ordering products or services may result in compensation for me. This costs you nothing extra, but helps keep this site going. Be assured that I only partner with brands that I trust. I’m always grateful when you choose to use my affiliate links! Thank you!

At any time if you’d like to unsubscribe we’d hate to see you go but feel free to click unsubscribe at the bottom of our blog posts that you get via email and poof we will be gone from your inbox for good. Right now we aim to post 3 times a week and never share your email or name with anyone.



  1. Vicky Lalonde says:

    Im feeling overwhelmed but I know I need help. Our grocery budget is ridiculous for 2 people (700$) and even though we shop the sales etc, we always go over budget and I feel guilty as I am in charge of the groceries. Where in the site in the best place to start so that I can hopefully get the groceries under control and then continue with savings etc.

  2. Linda Hartford says:

    Thanks, MR CBB for your great site! I’ve only been here for about 6 months but have already learned more than I forgot! I live in BC in a tiny, tiny, mountain community of approximately 250 people. Stores, banks and other amenities are an hour away so one must be VERY organized in order to capitalize on the savings available! I’ve recently started clipping coupons again (after a long hiatus) and am making it work. Some weeks I am able to save $85 – $90! Keep up the terrific work and thanks for all you do!

    • Hi Linda,
      Thanks for your kind words. Do you find coupons have changed over the years? Do you also use coupon apps to save money combined with paper coupons? What are some of the goals you have set for 2016? – Mr.CBB

  3. Just coming by to thank you for pinning my brownie recipe. I am forwarding your blog to my husband – great tips here!

  4. Terri Grady says:

    Hi Mr. CBB:
    I’ve been looking over your website and all the great tips and articles. I’m eager to apply all this practical knowledge as I’ve never been good with money or sticking to a budget. Wish me luck! 🙂

    • Hi Terri,
      I’m glad to have you come by to have a look around. If you need anything please don’t hesitate to ask. Enjoy your stay.

  5. Donna Victors says:

    We have a budgeting class we’ll be starting in our church group. How may I receive a copy of the Budget Binder? Thank you for this useful site! Donna in alaska

  6. Kristen Layman says:

    How can I get a copy of this budget binder for excel? I’ve tried hundreds of different home budgeting spreadsheets and none seem to work. I am a single mom and this is what I need!


  7. Stephanie Dawe says:

    Been looking through your site! I very much appreciate any and all tips to save me money! Thanks for all the much appreciated help! #CBB

  8. I’ve nominated you for the Versatile Blogger Award. To accept, go to:

  9. hi there..
    you have a great blog,
    mostly your tips is really works for me…
    thx for sharing then…

  10. We love free products to help us save save save lots of money for other important things especially if you are on a small income like myself.

  11. Your blog is one of my favorites so I nominated you for a Sunshine Blog Award. Check it out at

  12. I think it’s great that you started the blog to share what you have learned about budgeting and saving for your future. Good for you for keeping your debt down to only a mortgage. That seems rare these days!

    We also live by a budget. I found that our overspending came mostly from groceries/Costco (a warehouse store). Since I started using cash for food/entertainment rather than credit cards, I rarely go over budget. We have two kids, so we don’t save as much as we’d like – but we are teaching them about managing money.

    • Thanks. I started the blog to show other average families that budgeting can be done and saving can be done. It is essential that everyone has an emergency fund but most don’t or think they can’t. You can overspend even if you use coupons or buy deals and sales. This is why we want to show people that you need to budget. We are just like everyone else struggling to keep afloat. We don’t make tonnes of money and that’s why I feel it is important to share our earnings and how we manage that money. I won’t be using any big financial words here just simple everyday stuff about life. Hope you continue to participate here at CBB! Cheers and thanks for your post.

  13. you guys sound amazing! My husband and I arn’t anywhere near six figures either, but we’re trying to get our finances in order and save for a house so we can buy a home in the next few years. look forward to reading your story of inspiration!

    • Thanks! My wife and I both started over with life and education and we have made it this far without any debt but the mortgage.
      The Canadian Budget Binder simply has made life so much easier and I hope to inspire everyone I can. This blog is for everyday folk just looking to get out of the red and into stress free living. Money will come when you love what you do.

      At some point we had to learn from someone in order to lead someone else.

      “True Leaders don’t Create Followers, they create Leaders”-J Sakiya Sandifer
      I hope to create Leaders who can go on and share the knowledge with others.

      Thanks for stopping in and checking out the blog and I’ll be sure to pop around your blog. Mr.CBB

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