Paid By Cash In Canada- Bought My EMMO Bike-My Dreams Came True

Guest Post By: Janice Dicker Janice submitted her “Paid By Cash” story to Canadian Budget Binder to share how easy it is to reach a goal when you put your mind to it! Saving is easier when you budget and think outside the box like Janice! About Us Hi my name is Janice Dicker and I would like to start out here and let you know that I’m disabled. I’m not ashamed of my disability and I’m working hard on trying to make ends meet with my disability pension along with my husband who is also disabled. Together we  have a comfortable small house, a wonderful son, 4 dogs and a reliable car that gets us from point A to point B. The problem is this reliable car is costing us more money than we can truly afford. After paying the bills each month we use what money is left to buy groceries for the family. This is all the money we have and are unable to save for a rainy day. I’ve thought of ways that we could maximize on what we have to save some money and create an Emergency Savings Fund  for when something would happen. I needed […]

The Sunshine Blog Award~ Mr.CBB Nominates You!

The Sunshine Blog Award I started Canadian Budget Binder at the end of January 2012 in hopes of sharing what we have learned about saving money and budgeting. It’s been so much fun thus far and I’ve chatted to so many people and made some great mates along the way. I’ve been inspired by many bloggers who put their time on hold if not just for a couple of minutes a day to help out someone new to the blog world like me. In two months now I’ve had almost 10,000 views on my blog and I couldn’t be happier. It’s important for everyone to budget and I want to show them they can do it. I want to thank Dennis Dennehy at What to Cook for motivating me to cook new and exciting meals whilst going back to basics. I think so many people have forgotten that convenience never used to be part of the dinner table back in the day. We need to bring back all the goodness that once graced our mouths and our stomach! Thank- you so much What to Cook for nominating Canadian Budget Binder for The Sunshine Award, this truly is a part of who […]

Driven To Quit Smoking Challenge Has Ended- A Lifestyle Change For Love,Health,Money

As you may know we quit smoking on January 29,2012 because it was the right thing to do. We have been tossing the idea in the air for over a year and we had to jump in head first. Our mates were very excited for us when we finally told them because they truly wanted to see us live a healthier lifestyle.  I am naturally fit as my job keeps me that way but I do all the right things including lifting weights, sports and eating healthy. Smoking was always our downfall and a way to cope with stress and everyday life. Here are some changes we noted since we have quit: When I’m working out at the gym I don’t get winded as fast. I feel like my lungs are wide open and fresh and that I can carry out anything I set my mind to.  If you want to lead a healthy lifestyle just being active 3 days a week is important. You don’t have to be a big gym buff like I am but simply walking the dog or to the park gets you out of the house and moving is what is important.  This is what […]

Paid by Cash In Canada- New Home,New Baby,New Garage Door Openers!

I’ve started a new Category devoted to my FANS who send me emails about how they paid cash for items they needed. Our first story today was submitted by Amanda Kosher who  lives in Ontario. She tells us her story which is both inspirational and touching. Saving to pay for what you need in cash keeps you away from the dreaded evil credit monster. Thanks Amanda for sharing your story with the Canadian Budget Binder community! Cheers, MR. CBB Here’s Amanda’s Story: We sold our house in last year and purchased a bigger one in Ontario,Canada. The house we sold had all the bells and whistles. We lived there for more than 15 years so we had updated everything. We built on a deck added garage door openers, put in a skylight, a hot tub, you name it, that house had it all. Our new house was a newer built 3500 sq ft estate home, which the original owners began to upgrade but ran out of money.  Although the home was new, big and beautiful, it had no deck, no garage door openers and no landscaping. Our situation not being like it was 15 years earlier where we could just do […]

Kick the Smoking Habit, Save Your Health and Budget Update Week 4

Here we are at week 4 already, can you believe this! We certainly are in awe over our accomplishments. If you would have told us 4 weeks ago that we would be smoke-free by the end of February 2012 we likely would have thought you were nutty. The reality is you have to want it so bad that you can taste victory. You need not wait until you or a loved one has a health scare to make this decision. This was one of the main factors of participants in that Quit Smoking Program we participated in at the start of our journey. For us it was Health first, money last and it should be that way for everyone who wants to quit. You only live once and you can’t put any amount of money on your own life.  I have to admit though that this quit smoking process has been so easy it’s ridiculous.  We certainly thought I’d be sleeping in a separate room by now. As we end this week with a bang we are now coming up for full swing “Driven To Quit Challenge”  beginning March 1, 2012. If we have inspired you or yo are contemplating quitting you […]

Kick the Smoking Habit Save your Health and your Budget- Update Week 3

Hey there fans! It’s now Feb 19, 2012 and 21 days ago on Jan 29 @ 9pm Mrs. CBB and I made the decision to give up smoking. We had both been smoking for some time now and wanted to make a healthy change. My Mileage Smoke-Free Days: 21 Cigarettes Not Smoked: 210 Amount Saved: $67.20 Life Gained: Days: 1 Hrs: 22 Mins: 9 Seconds: 45 Although we are not heavy smokers saving $120 a month will certainly come in handy in our budget. We’re  making changes to our budget as it is important to always tweak it if you need to update it like we need to. Check in next week as I do our monthly budget  to see how well we chopped the budget in February. Wake up and smell the roses…. boy did I ever! It was a celebration for me in the shower the other morning when I went to apply body wash to my loofah. The overwhelming musty smell of the product rushed up my nose. It was not a scent I recall smelling so vibrant, yet manly.  It was at that moment I realized I am moving in the right direction. Smell is a gift so beautiful and we should all experience it in its glory. Throughout the Days……….. […]

Kick the Smoking Habit, Save your Health and Budget- Ending Week 2

Forever is just the beginning to a Healthy New You! Baby Steps, baby steps, you can do it, the words of our support system. We have ended week 2 quitting smoking and thus far its been the best decision in our lives besides marrying each other. Aweeee… I know, I’m sweet that way! Have you ever considered quitting smoking? We had over the years but mostly my wife as I never thought I could do it. Most of the time the negative reasoning got the best of me and ended any further conversation on the subject. What thoughts were running through my head? I love smoking too much What will I do with my time What do you mean I smell, I don’t smell anything I don’t smoke much I can’t, I need it to relax after I eat, at work, in my truck Everyone I hang out with smokes, I can’t possibly quit What I was missing were 2 important facts; Smoking Kills! My father passed away while having Heart By-Pass Surgery Smoking costs a fortune at $30 a week you crunch the numbers. I know some couples that spend $150 a week…. OUCH! What side effects have we […]

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