5 Exercise Methods That Cost Absolutely Nothing!

Guest Post Not everyone thinks of the simple exercise methods they can easily do at home costing them nothing at all. As the summer approaches, everyone steps up the effort to start looking a little bit better. Over Christmas and New Year’s we’re known to indulge in a few things that aren’t exactly beneficial for our weight, so the few months after are always a struggle to get back into shape. The best way to do this is to eat properly and exercise. Many people join a gym, but some people don’t have the money  or the time do be doing so. Here are 5 great ways to exercise and lose weight and save money at the same time. Running/Walking The most obvious and popular method is going for a run. On my way to work, I’m constantly having to shift over for runners to get past me. On average, a person can expect to burn 700 calories with an hour of running – so if you can keep to a balanced diet, that’s a pound lost every 5 days (3500 calories to a pound). It’s free and can be done pretty much anywhere. If you’re like me, however, and don’t like […]

Get Smart With Your Smart Meter!

Get Smart With Your Smart Meter! By: Canadian Budget Binder Everybody’s got ’em, some have ’em working already, others will be starting in May 2012 and most already hate ’em. You guessed it, I’m talking about the new TOU (Time Of Use) Smart Meters. Although not a new concept in the grand scheme of things, they’re here whether you like it or not. There are other countries that have had a variety of  “time of use” schemes for years.  I can remember as a child in  England me mum always had the hot water on a timer coz of “Economy7“. Having cheaper electricity at certain times of the day has been natural for me, but for the Canadians I know it’s quite the sore point. What’s the problem? Well the Canadian climate for starters isn’t exactly stable, where swings of 70 degrees Celsius between summer and winter exist. Heating and Cooling the house is a major player in the bills department. What did I do? For starters I got rid of my old Mercury switch thermostat and replaced it with a 7 day programmable. I can set the thermostat warmer for when the fans kick in on cheap rate, then have […]

grocery game monthly challenge

The Grocery Game Challenge April 23-29 No Shop Week

  We are in our last week for April’s Grocery Game Challenge.. how well have you stuck to your Grocery Budget? This week is our No-shop week however we do have a few FPC’s we need to use up so we will be heading out to take advantage of these. Do you have a No Shop week in your Grocery Budget? We started the No-Shop week to keep us out of the stores one week out of the month. We try to simply avoid the flyers and do other things during the week. It doesn’t always work out but for the most part we have  a plan in place and work towards our goals. If we spend any money this week I will update it here. We are already slightly over budget so we have to be strong this week. Recap Last Week Total Shop for the Week for all this is $84.25-$75.32= $8.93 overspend for the month of April. Not bad considering all the milk we bought this month.. I would say we did exceptionally well!! Most of the food here is for our student exchange program in the summer! The cases of water are not pictured. +$10.00 spending card from […]

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 […]

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 […]

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 […]

grocery game monthly challenge

The Grocery Game Challenge April 2- April 8 Happy Easter!

Since Easter is just around the corner I thought it be proper to highlight this special occasion for most families around the world.  I’m sure this weeks shop will include Ham, Potatoes, apples, stuffing, vegetables, gravy and dessert (brownies will be our number one chocolate pick of course) ha! One of my favourite recipes is what I call our Easter Dinner In The Crockpot which was sent by Shelley C. a Facebook Fan.  I ran with her  potato and ham idea and  made it my own jazzing it up with various spices and variations so that we could use it for Easter or any night of the week. It was a hit so try out my version and see what you think! Thanks Shelley! We love getting recipes at Canadian Budget Binder so simply email me your recipe along with your name and if I use it on my blog I will make sure you get the credit you deserve! Although we will be heading to the relatives for dinner this year we still made it to the shops to pick up some quick items.  When I finished our March Budget update and actually saw our $200 overspend on groceries it really […]

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