Gourmet Keto Low Carb Bagels (Gluten-Free)

ENJOY LOW CARB BAGELS WITH THIS UNIVERSAL GLUTEN-FREE DOUGH   You won’t believe that there are ONLY 6 ingredients in these low carb bagels which by the way are also gluten-free and keto-friendly with 1.5 net carbs each. Soften the butter, cue the cream cheese, get the sugar-free jam ready and let the drooling begin. (that’s how Mrs. CBB explained it to me) Every low carb kitchen with a keto stocked pantry will already have these few ingredients so that making this recipe is even easier. If not, stock up because you’ll need all the wonderful products that bring keto recipes together along with plenty or protein and vegetables. If you’ve wanted to satisfy that bread craving you’ve had but without all the carbs you won’t want to miss this recipe for gourmet keto low carb bagels. We actually had lots of fun making these and consider this recipe one of the best low carb bagel recipes thus far.   Why are these gourmet low carb bagels?   Why not? I can promise you that once you make this recipe for low carb bagels you won’t turn back. These low carb bagels are hand-made in your kitchen and anything that […]

Homeless Care Package Ideas To Spread Christmas Cheer : The Saturday Weekend Review #243

MAKE ‘GIVING’ A FAMILY TRADITION FOR YOUR CHRISTMAS HOLIDAYS   As the weather in Canada gets colder the need for more shelters, beds and warm clothing is dire for the homeless in every community. Creating a homeless care package is not only simple and relatively inexpensive but life-changing for someone who has no one to turn or talk to when their cries for help are silent. I know that many of you reading Canadian Budget Binder love to save money using coupons and other means to stockpile family product essentials so I’m reaching out to you. Even if you’ve never seen a homeless person I can guarantee you there are many living on the streets where you live. I’ve only lived in Canada for 11 years and I’ve seen my fair share of homeless hovering in corners around the streets of Toronto. Just this past week we had an old friend of ours pass away from cancer only to find out that two years ago she was homeless and living on the street. She did not reach out to anyone and no one knew the status of her world. Although that troubles us and in ways we feel guilty we […]

Magical Budget Jars Change This Couples Life Forever

EVERYTHING BECOMES MAGICAL WHEN YOU BELIEVE- EVEN YOUR FINANCES   Every so often I get an email from a CBB fan which sparks a conversation which then turns into sharing their budget journey on Canadian Budget Binder. I absolutely love sharing fan stories because they are real and all of us can relate to them in one form or another. In today’s blog post you’ll learn how one couple goes from two incomes to one and managed to turn some glass jars into magical budget jars. If you don’t take your finances seriously someone else will but that someone else won’t be on your side. Each of these budget stories inspire others including myself to continue to believe in the power of positivity and not giving up when the going gets tough. There is a financial solution out there for everyone whether they choose to believe it or not. It may not what you want it to be but in the end it’s likely for the best.   SEEMINGLY EMPTY TO MAGICAL JARS   Hello Mr. CBB, Here is our budget story …. When my husband and I met we were both struggling from breakups leaving us with less money […]

grocery game monthly challenge

How To Ask Your Cashier To Apply SCOP : The Grocery Game Challenge 2017 #5 Nov 27-Dec 3

YOUR MONEY WEARS SHOES- KEEP UP OR WATCH IT RUN OUT YOUR LIFE   There’s a right way to ask for The Scanning Code of Practice (SCOP) and a wrong way. If you have zero idea about what I’m talking about then you WILL want to read this post. Today I want to touch on how you go about asking for SCOP with sample questions for you. I also want to talk about how you should handle SCOP at the cashier, customer service or after you’ve gotten home and found a pricing error. Asking for help doesn’t mean you are a weak person it means you have the strength to speak up and say something is not right and would like assistance to solve it. We can’t possibly know everything so don’t be ashamed, speak up. I was having a conversation with a CBB reader about SCOP and she told me that her friend said that only “low-income people” ask for their money back for a pricing error. She went on to say that she would never ask but would say something if the price came up higher. Seems a bit odd that one would have no problem pointing out […]

Mexican Tomato Cauliflower Meatball Soup

THIS LOW-CARB COMFORT SOUP BRINGS BIG MEATBALLS, TOMATOES AND CHUNKY CAULIFLOWER TO YOUR BOWL   It’s that time of year again, soup time! Today Mexico meets Italy for this quick meal that’s packed full of nutrients and flavour. This Mexican Tomato Cauliflower Meatball Soup is a winner every time even the kids will love it. The soup that eats like a meal…this is it! After a summer of picking tonnes of organic tomatoes then freezing them we have plenty to use up this winter for soups and sauces. This hearty soup can be made in 30 minutes and pairs well with homemade bread or a thick homemade slice of low-carb bread and butter. You don’t need anything else. If you’re not into low-carb don’t fret there is nothing fancy or different about this soup it’s just low-carb friendly. That means there’s no sugar or gluten in the recipe with limited carbs but so delicious even I can’t stop at one bowl. The low-carb part helps those on a low-carb diet identify recipes that are keto-friendly which is a bonus when searching for a recipe. You will see below the options for those who are low-carb and for those who are […]

Clever Online Shopping Saved Our Christmas Budget $400 So Far : The Saturday Weekend Review #242

MAKE ONLINE SHOPPING YOUR SOURCE FOR DEALS OVER THIS HOLIDAY    In general there haven’t been many people I’ve chatted to who don’t have some form of a Christmas Budget. Sounds odd since budgeting for the entire year seems to be one of the laziest financial tasks going even though it is mega easy to do, and valuable. Shopping for any holiday or special occasion without a budget makes for a potential financial disaster. Make sure you read the fine print on your credit card statement which states the length it will take you if only monthly minimum payments are paid. That should be MORE then enough to put the spending without a budget breaks on. Consumers who random-shop tend to spend more money on things they could have purchased cheaper somewhere else. If you care about your money then plan out occasions where you know you will be spending more than typical amounts of money. Compare random shopping to window shopping. Some people like to do their Christmas shopping on Boxing Day and throughout the year which is ideal but again a budget is necessary in my opinion. There were times when we would Christmas shop without a Christmas […]

A Wage Increase Is Only Instant Gratification On Paper : Our Net Worth Update October 2017 (+0.79%)

BUILDING WEALTH AND DEBT FREEDOM GOES BEYOND A WAGE INCREASE   Unless you get a wage increase that is far beyond your norm the only gratification most people get is seeing the bigger number on their pay cheque. Even then if you’re not putting that wage increase to work you’re hiring and firing your own staff costing your more money in the long run. Reality is that without doing something with that money to help increase your net worth it won’t make a blind bit of difference. This perspective of a wage increase simply leaves you right back where you started. November is financial literacy month and I wanted to take a few minutes to talk about why a wage or salary increase isn’t always the answer to our financial problems.   You have to start somewhere   ** Let that be your motivation for the day, month, year ** You may not be in debt but you’re certainly not going to get ahead financially if you aren’t making changes to the way you manage it. The key: Financial Literacy. If you’re in the negative you may still be in the negative but climbing out from the hole. You’re still […]

grocery game monthly challenge

8 Frugal DIY Christmas Baking Gifts In A Jar : The Grocery Game Challenge 2017 #3/4 Nov 13-26

CHANGE THE WAY YOU GIVE THIS HOLIDAY WITH HOMEMADE CHRISTMAS BAKING GIFTS THAT FIT YOUR BUDGET   This year Mrs. CBB and I decided that we were going eliminate baking our famous Christmas cookies and replace them with inexpensive yet posh Christmas baking gifts. Will making homemade Christmas Baking Gifts cost more money? Well, that depends on what you are putting in your gifts and how much you are willing to spend on ingredients. We set the dollar amount for the Christmas baking gifts to be around the $5-$7 mark (that’s our posh). By doing so it allows us to splurge a bit on some ingredients and save on others. This may seem a bit odd but as a family of 2 adults and 1 toddler where we’ve cut out sugar from our diet having loads of sweet treats around is too tempting. Who wants to lick the spoon? How tempting that would be for me!! Ah! Most years we would always have extras hanging about and my mother-in-law would always try to get them but since she’s diabetic we’ve also decided that maybe it’s not so good of an idea. To add more fuel to the sweet tooth fire […]

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