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 […]

Kick the Smoking Habit Save Your Health and Budget Week 1 Update

Hi Folks, This is our Week 1 Health and Budget update since Quitting Smoking Sunday, January 29 at 9pm.  🙂 As previously discussed we decided to take part in the Driven To Quit Challenge advertised on Global TV. It’s a great motivator to achieve our goal of quitting smoking and balancing the budget. Last week we attended a meeting for participants who wanted to quit smoking. This is a 6 week program that we signed up for through our Family Doctor. Interesting to note that 15 people signed up and only 8 showed up. Quitting seemed like a good idea at the time, easy to say but difficult to carry out.  The Registered Nurse spear heading the meetings says it happens every year. Upon arrival the stench of cigarette smoke blanketed us we entered the room. It was at that moment we realized we made the right decision. That was the first time since quitting we had smelled cigarette smoke. The  meeting was 1 hour and we introduced ourselves like it was an AA meeting. I am ( enter name here) and I’m addicted to smoking because ( I like it). The top 2 reasons for quitting were health and money. Learning about why […]

The Cost of Smoking on your Health and Budget

There’s no surprise when hearing about deaths related to smoking or the various diseases caused by smoking but turn a blind eye. Is it really worth it to smoke? I’m sure you know the answer to this question but most smoker’s either choose to ignore it or struggle to give up this habit. Smoking is a harmful addiction, one that can cause your bank account to suffer and your loved one’s wishing there was something they could have done when you’re gone. As I lay here tonight and write this post I am thinking about tomorrow morning and what life will be like for us.  While watching Global Television a commercial appeared called driven to quit which is a challenge to motivate smokers to quit for the month of March. My wife is a huge Young and the Restless fan so everyday we were seeing this commercial Monday to Friday when something clicked. We both decided that it was time to stop letting cigarettes rule our lives as of January 30,2012. We both signed up for the challenge with the support of friends and family.  Quitting smoking for the month of March was far from our goal as we want to quit for […]

Our Goals 2012 and a look back at 2011!

As we look back in 2011 we can see many areas we could have saved more money but that’s what budgeting is all about, learning. Keep in mind we don’t make huge incomes so the frugal lifestyle we lead is imperative to our savings whilst still enjoying life. I don’t predict the same extra income in 2012 so a tighter budget has been put in place. We are hoping to get a bathroom renovation completed and landscaping of our yard by the end of the year. Our main goals for 2012 although I’m sure this list will grow! Spend less on grocery $190 a month. Save more with a shop free week each month and playing our grocery game challenge. Collect enough Optimum Points at Shoppers Drugmart for 2 Redemptions. We accomplished 4 at top-level in 2011. Figure out what to do with our Savings Max out both TFSA (Tax Free Savings Account) Invest more in RRSP (Registered Retirement Savings Plan) Pay down Mortgage currently $157k, $164K was 265K when purchased in 2009. Current Market Value Aprox $339k. Accelerated Weekly 3.9% 5yr fixed 25 yr Amortization Build Emergency Savings by $ 8k Renovate Bathroom under 5k Educate myself on Investing, read more […]