How Financial Sacrifice Helped Us Become 40 and Debt Free : The Saturday Weekend Review #212

SORTING OUT OUR FINANCIAL AFFAIRS TAKES MORE THAN SIMPLE MATH   For the first time in her life Mrs. CBB bought a brand new cell phone but it took her 20 years to make the decision to do so. Financial sacrifice has been a huge part of both of our lives from the time we were young and even today now that we have our mortgage paid off, $200,000 in the bank and almost all of our investments topped up. It’s not much really considering we could have done better saving using a budget earlier on in our lives. But to someone else that’s a success they dream about. Let me tell you something, it wasn’t easy and it won’t be easy for you. We gave up lots to get ahead and not a day goes by where we regret anything we’ve done.   Unlimited Moves   The other day we made a phone to Rogers our provider for home phone, cable, internet and Mrs.CBB’s new Samsung Galaxy 7 (S7). The reason for the call was to ask about new Rogers promotions that might help us lower our monthly bill and talk about costs of a data plan for the […]

6 Simple Ideas To Generate Cash Money When You’re Broke

THERE’S ALWAYS A WAY TO EARN CASH MONEY PROVIDED YOU’RE READY FOR A CHALLENGE   There are some ways to make cash money when you’re broke but don’t expect to be rolling in the cash without some hard work. With Spring around the corner there will be more opportunities to make cash money rather than shovelling snow and praying you win TV Bingo. Wishing on a star is the worst way to earn cash money because you’re risking losing money you already don’t have to spend.   Cashing out the Cash Money   The first thing someone does when they are broke is find every possible source of cash money then could have. A friend of ours who was strapped for cash went as far cash in her RRSP’s so she could pay off debt. I don’t recommend going this route if you don’t have to however depending on a few factors such as age such as this might be an option. If you are under 30 you’ll have a far better chance of getting back into the investing game with many years to accumulate as opposed to being close to retirement age. Staring at your bank account on the […]

grocery game monthly challenge

25 Foods We Stopped Buying To Strengthen Our Savings Power : The Grocery Game Challenge 2017 #4 Feb 20-26

DON’T LET FOOD CONTROL YOU ESPECIALLY WHEN IT CAN SIGNIFICANTLY IMPACT YOUR GROCERY BUDGET.   You might be asking yourself the same questions everyone else is when it comes to food prices. When is this grocery shopping battle ever going to end? The answer is never because we have no control over price points or the state of the economy. What we do have is the ability to fight back by finding ways to slash our grocery budget with smart shopping choices. Ugh, I know that sounds like fun to some of you. Most often it’s not for the rest. The biggest savings high for us is finding those unadvertised awesome deals or using enough coupons to get a product free or near free. Is that even possible to do with coupons today? Meh, some say yes and others say no. It depends on what you buy, but I can say with certainty that stockpiling and the lucrative deals are far and few these days. You won’t believe how much money you are spending on empty foods that don’t add value to your meal plans or snack box. By adding value I mean, nutrition, cost and taste. Everyone wants to […]

Crunchy Pan-Fried Parmesan Crusted Hard-Boiled Eggs (Low-Carb) (Gluten-Free)

HARD-BOILED EGGS LIKE YOU’VE NEVER TASTED BEFORE   YES you have to try this. These are perfect snacks for holidays, birthday’s or any celebrating including Super Bowl where you just want to grab, dip and get it in your tummy. In our house we don’t just hard boil one or two eggs at a time. We make hard-boiled eggs by the dozen and use them for egg salad sandwiches, snacks and now we will add this to our low carb snacks list. Hard boiled eggs aren’t just for breakfast especially when you follow a keto diet also known as low-carb diet like Mrs.CBB does. I enjoy it in moderation as I’m not fully involved with this lifestyle like Mrs. CBB is. For the most part I end up eating the same foods to cut down on costs but on occasion I go my route. You know I just crave carbs after a while especially when my aim isn’t to give them up.   We’re a low carb family   One thing I won’t pass up is eating eggs any way I can get them, except raw. This recipe for pan-fried Parmesan hard-boiled eggs was a fluke to be honest. While […]

5 Family Day Fun Events That Cost Us Nothing : The Saturday Weekend Review #211

FREE FAMILY DAY FUN IS ABOUT TO GET BUSY IN THE CBB HOUSEHOLD.   If you’re as excited as I am for the Family Day holiday then you’ve probably scheduled a line-up of activities to keep everyone busy like we have. This year we’re prepared for Family Day fun as we found so many free events with neighbours, family, friends and our community. You don’t have to spend money to spend time with your family. For the most part any free events that we attend accept Food Bank donations. This is a great way to give back to the community and help those fellow citizens who are in need, especially during the winter months. Related: Types of Food Bank Donations This year we will be donating two boxes of diapers that we have leftover from our son when he was a baby. We kind of went overboard buying them on sale thinking we’d use them but our son grew so fast and we can’t return them. Instead of selling them we decided to donate them. You don’t have to be related to someone for them to be family.   When is Family Day?   Family Day 2017 is celebrated on […]

5 Key Benefits of Debt Reduction To Help Motivate You : January 2017 Net Worth Update (+0.28%)

  FINDING WAYS TO BE HAPPY IS NOT ALWAYS AN EASY TASK ESPECIALLY WHEN YOU ARE IN THE DUMPS ABOUT YOUR MONEY SITUATION.   Building wealth from nothing is the path many of us will take but along the mystical route of debt reduction and increasing net worth motivation is a crucial tool for success. The only way to start building wealth is to explore debt reduction strategies for ways that will help with debt problems that may be causing you stress. I understand why someone might classify having debt under the good debt category and the bad debt category however managing debt means your debt to income ratio is all that matters. Related: Order your Canadian Credit Report Free If you are serious about getting help with debt don’t start making excuses as to why your personal debt is more important than the debt you incurred by getting an education. Debt is Debt and if you change your financial mindset to that of a successful business owner you’ll soon see how critical debt reduction is for all of your liabilities. I remember a time where I got to the point that I had no intentions of creating more debt […]