Canadian Students College or University Bound Prepare Your Finances NOW!

I remember when I was a young bloke and on my way to University the world was in the palm of my hands (so I thought).  I truly believe I had my head on straight back then and today given the way I continue to pay myself first. That doesn’t’ ring true for most of my school mates, at least what I witnessed even here in Canada. I went back to school for 5 years and learned that debt is debt no matter  what country you live in. Most of my mates who did work while attending University simply blew the money on pints of beer down at the pub and buying crap they didn’t need. I was a simple guy who just wanted an education and a good career. Before cutting the umbilical cord from me mum and dad to start what would be a journey of reality I set some clear goals for myself. I knew I didn’t want to come out of school with any debt. I was young when I started to learn about the value of money so this was a must. I worked on weekends and in the evening to save money for University. I […]

grocery game monthly challenge

The Grocery Game Challenge April 16-April 22- Deals, What Deals?

I had to make a last-minute edit to our prior weeks shop which you can see at the end of the post.  We did a late night raid at  Zehrs yesterday to pick up some of the cheapest milk I’ve ever seen. I’m sure I will be back for more and we freeze it and take it out as we need it. This week might just end up being a stock up week and some vegetables. I might even venture into making bread land this week but still am so leary. I wish I had someone to hold my hand through the process. Recap last week! So we had underspent the week earlier and had +$21.11 left after the last shop this week – $10.12 = +11.32 left still in the budget along with $64 =$75.32 for the month to go!! We still have a shop free week so we might actually pull it off this month who knows! There seems to be a secret 20x event at Shopper’s Drug Mart but since we are stocked on milk we might stay away. Posting our budget and shop has made a world of difference to the money we spend. Last year […]

“Paid By Cash”- A New Ring For A Canadian Firefighter at CFB Edmonton

By: Heather Ferarr Mark and I got married in August 1996 at CFB Moose Jaw and purchased our first wedding rings at Consumers Distributing.  If you are too young to remember Consumer’s it was a shop you could go into and they had catalogues where you could pick items you wanted to order or pick up.  It was quite handy and convenient in those days.  Consumers Distributing has since went out of business so those days are gone with computers and new technology brings a new era of on-line shopping. In the 80’s  it was a big deal to place an order from the well-known catalogue especially at Christmas time. Now we raise the roof to find a deal on-line without leaving the comfort of our home. My husband Mark is a fire fighter with the air force and his profession has turned his wedding band into something less to desire. Mark is currently stationed at CFB Edmonton and our house has yet to sell here in Rural Nova Scotia. It has been on the market for one year now in hopes we sell to move closer to his work so we can all be together. I will be going to Edmonton in May to visit […]

Mr.CBB’s Spanish Potato Sausage Tortilla Cost Aprox $10

Every year close to summer we get this urge to make this Spanish Potato Sausage Tortilla treat that was taught to us from one of our friends from Spain.  She rallied around the food we had in Canada when she was visiting but really missed her Potato Tortilla known as the Tortilla de Patatas in Spain. She would not only eat this at home but it is served at local tapas bars, cafe and restaurants as appetizers common in Spain. Essentially it’s one large Spanish omelette known as a Tortilla Espanola. So we worked together to formulate this traditional Spanish recipe that would be similar to her mothers in Spain. If you love potatoes you will love this Spanish potato dish or as some of my friends call the “Spanish Potato Pie” which works for me. It was easy for me to compare the tortilla to my Sausage Frittata which is made with pasta and quite delicious. The best part about both the pasta frittata and the Spanish tortilla is that they are show pieces at any gathering. You will always have people fascinated by this dish because it’s something we don’t see so often in Canadian cuisine. Although the prep and process to make this Spanish […]

How To Take A Cruise On A Small Budget

How to Take a Cruise on a Small Budget Guest Post By: TacklingOurDebt Have you ever been on a cruise? Or are you of the belief that cruises are super expensive and not within your budget? I think most people believe that cruising is quite expensive. So today I am going to talk about how easy it is to take a cruise on a small budget.  Choose an Older Ship with a Luxury Cruise Line There are a number of luxury cruise lines to choose from and the thing to note is that as they launch their new ships with higher prices, they begin decreasing the price on their older ships. They do this for a couple of reasons One, because the new ship may have more glitz and shine, and it may have more facilities and restaurants. Second, because the demand to cruise on the new ship is higher because seasoned cruises are curious to see the new look, while back on the old ships the novelty has worn off for them. Even though the novelty may have worn off on the older ships it doesn’t mean that the quality of the ship or the cruise itself has deteriorated. […]

grocery game monthly challenge

The Grocery Game Challenge April 9-April 15- What’s In Your Bags?

Last Week we came in under budget spending just $32.50 that’s $31.50 less than we could have spent. It is now Wednesday and we still have had no desire to go out shopping however we do need a few staples. I think going to the relatives for Easter has set us back a bit this week. Yes that means we ate too much and food has been the last thing on our minds! I’ve posted a couple of new handy Tools for you in the Kitchen which you can print for free. Pantry List Kitchen Needs List Freezer Inventory List I’ll keep you all posted of our weekly Grocery Shop by updating this post as we shop.  This week we can spend $64 + $31.50 for a total of $95.50. Here’s Our Weekly Shop We decided to go “Pink Sticker” shopping last night and here is what we bought! Zehrs 1x Glade Sense and Spray Reg $8.04 sale 50% pink sticker =$4.02-$4.00 =$0.02 Almost free there were loads but we didn’t have any more coupons 🙁 Sponge Towels Sale $3.99-$1.00= $2.99 Coupons Used $1.00 Total Oop= $ 3.99 We also picked up 6 Jugs of Saf- T- Eco Salt for Winter […]

Help Stock My Pantry To Save Money And Make Healthy Meals?

A fully stocked pantry is a happy kitchen. We love “Reader Questions” at Canadian Budget Binder and sometimes ask our fans on Facebook for their input.  When we put together our shopping list for the week we aim to purchase the staples that will help us build healthy, flavourful meals. The most important part is making sure we stick to our grocery budget so we plan our meals around flyer specials of the week. There are so many meals you can create as long as you have the staples in your pantry. If you ever thought which is better store bought or homemade  while considering cost it’s almost always homemade in our books. So, today’s question comes from Nicola Don. Question: What staples should you have in your pantry at all times? FREE Tool: I’ve even made a handy Canadian Budget Binder Pantry List for you as well! Just click save and print. I opted to use a lifeline and asked my Facebook  community of savers what they could come up with to help Nicola and for others starting a pantry stock-up. I always like to encourage people to limit eating out and eat at home  for budgeting and health reasons. Eating out all of the time […]

Are Blue Recycle Bags Costing You More In The Budget Than The Blue Bin?

It’s a mundane task but someone’s got to do it and no the pooch isn’t equipped to handle large loads. Each week we set the alarm nice and early to make sure we take the rubbish out to the road for collection. Some of us are smart and put it out the night before, but potentially risk getting a visit by natures masked bandits (raccoons) and wake up to a mess. Some weeks are better than others but for the most part we manage to toss out what we no longer use in our home. Sometimes  my neighbours pay me to walk my dog on bin day, and that’s ok I don’t mind. It’s amazing what people throw away but what’s most amazing is the cost comparison between blue bags and blue bins. Each city is different in what they allow to be tossed in blue bins or bags but for the most part the list is standard. It’s always best to contact your city for details and by-laws. Are you literally throwing your money away using Blue Recycle Bags? Let’s do a comparison, shall we! We will use Canadian Tire Regular Prices meaning they could get even cheaper if you wait for a […]

%d bloggers like this: