How I put a $1700 dent in our budget with a simple error

Nothing Lasts Forever If You Are Careless If you follow me here at Canadian Budget Binder you know I am a big fan of having an emergency savings fund and using a budget. Every month I post our budget and net worth update to show how we made out for the month and areas we need to improve on or we feel we are on target or exceeding with. Unfortunately not every month is going to be a good month and sometimes we have to suck it up and move on just like we’ll have to this month with a silly error that cost us $1700 but the buck didn’t stop there let me assure you. We often ask ‘how can I protect my computer from viruses?’ but sometimes you also need to ask yourself ‘how can I protect my computer from myself?’ Water in computer It all started one evening when I was sitting in my office minding my own business with beverage chatting to my fans on Facebook for my nightly What’s for Dinner post when I accidentally spilled water on the keyboard of my netbook. It was not a happy site and I frantically tried to dry […]

Expired warranty: Do you buy expensive cheap junk?

Nothing Lasts Forever These Days I’m sorry sir, your product is not covered, the one-year warranty is expired. It’s often said that you get what you pay for but even then I question the validity in that statement sometimes when I say it because it’s not always true. I’m not one to get a product warranty when I buy something because generally if something is going to go wrong it tends to happen after the first year and that means that anything more that you pay for is worth peanuts. I agree, not always but like anything it’s your call to assess the risk vs cost of the extended warranty. Reminds me when Katrina wished she had cell phone insurance when her phone was damaged. Some people say sod that I’m not paying for insurance and others have to have it. A $100 stainless steel kettle we bought lasted us a few months where the $12 cousin lasted us years. So, do you go with matching appliances or products that work and can stand the test of time? Product warranty definition: It means that if a product you buy fails to live up to the quality standards we set out we […]

A parking lot scam for money gone wrong

There’s A Scam For Everything I know what you are thinking and yes there are such things as a parking lot scam and schemes thought up from the best and worst scam artists around. When we go shopping around here it’s normal to see someone sitting on the ground playing the guitar or some other instrument hoping to make a few bucks. In the past I’ve heard that’s just another way to earn extra money although some may think it’s a scam, especially if they have a sign that says they need money, but do they really? Who knows, if they aren’t approaching me I leave them to it and if I like the music I toss in a buck or two at least for the few moments of entertainment. It ends up being more of a judgement call at the end of the day, at least for me. I give someone credit for getting out there to share a skill with the world. What are the latest scams? I don’t know much about parking lot scams but I know that there is a scam for everything out there and we have to protect ourselves. The scams to avoid are […]

How To Overcome Laziness And Save Money In 5 Steps

If you want to overcome laziness and save money then it’s up to you to make changes to your life. Overcoming laziness and procrastination are the hardest things for many people to do that don’t have clear goals in life. Even if they do they probably don’t like the path they are on if they are not willing to change or have some sort of enthusiasm about why they need to get something done. I’ve heard it all before when it comes to budgeting, how we don’t have time, it’s not worth our time, it makes no sense, but we need to find a way out of debt because we are drowning in it. Own up to your debts and make it right, do something about it. Not all people are lazy, some people are simply unable to do things on their own and those aren’t the people I’m talking about today. Many people with disabilities or seniors would love to do so much more but are simply unable to do so. Sometimes  age, illness and disability come at a premium because you have to hire others to help you get jobs done that you really want to do on […]

Do You Really Need Cell Phone Insurance?

Cell phone insurance is a waste of money right, who needs it? Just two months ago I was so excited to have my new cell phone, a Samsung Galaxy SIII, it was an awesome  phone. First thing I did when I got home was logged into Amazon and looked for a hard case to protect the phone. I was trying to save money out-of-pocket by using my gift-cards from Swagbucks. You with think with modern cell phone technology that they would figure something out so cell phones were protected from the average clumsy person dropping them. Even worse a child getting their hands on a cell to play pass the puck or toast the cell phone for breakfast. I guess I’m just dreaming of the indestructible cell phone but we all know that will never happen, nothing seems to last like the good old days. It’s more about short life span and getting the customer to fork out more cash because they get so used to having technology at their fingertips. That just seems too easy though because accessories make up another chunk of profits for these organizations as if the ridiculous high costs of cell phones weren’t already a lucrative enough business […]

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