5 Family Day Fun Events That Cost Us Nothing : The Saturday Weekend Review #211

FREE FAMILY DAY FUN IS ABOUT TO GET BUSY IN THE CBB HOUSEHOLD.   If you’re as excited as I am for the Family Day holiday then you’ve probably scheduled a line-up of activities to keep everyone busy like we have. This year we’re prepared for Family Day fun as we found so many free events with neighbours, family, friends and our community. You don’t have to spend money to spend time with your family. For the most part any free events that we attend accept Food Bank donations. This is a great way to give back to the community and help those fellow citizens who are in need, especially during the winter months. Related: Types of Food Bank Donations This year we will be donating two boxes of diapers that we have leftover from our son when he was a baby. We kind of went overboard buying them on sale thinking we’d use them but our son grew so fast and we can’t return them. Instead of selling them we decided to donate them. You don’t have to be related to someone for them to be family.   When is Family Day?   Family Day 2017 is celebrated on […]

8 Valentine’s Day Gifts Women Secretly Want From Their Men : The Saturday Weekend Review #210

IF YOU DON’T KNOW WHAT YOUR LADY REALLY WANTS FOR VALENTINE’S DAY THEN YOU PROBABLY SHOULD BE READING THIS.   What do women want for Valentine’s Day Gifts? You’ll be shocked to know it’s not always what you think it is. Of course that depends on your partner. Just about every man who is reading about gifts to buy women on Valentine’s Day hoping to get it right might just get it wrong whether it’s their first or tenth round at romance. Ask almost any guy and they will tell you that when they buy Valentine’s Day Gifts they simply go into a store and just get something, anything no matter the price. If it looks pretty, we’ll take it. In our minds having a happy partner on Valentine’s day trumps the high costs of this commercial celebration of love. The key is not about buying Valentine’s stuff for the woman you love rather it’s about knowing what she secretly wants for Valentine’s gifts and most often it’s not what you think and it’s less expensive. Get it out of your head that every woman wants jewellery, chocolates and dozens of red roses for Valentine’s Day gifts. That’s old school […]

8 Ways To Waste Money You Could Be Saving : The Saturday Weekend Review #209

YOU KNOW YOU SHOULD SAVE MONEY BUT YOU SPEND MONEY IN HOPES NO ONE NOTICES, NOT EVEN YOU.   How often have you thought to yourself that you should have more money in your wallet? Probably more than you care to admit but the truth is Canadians spend more money than they save and it’s just not high utility and living costs that are the naughty culprits. You are your own worst enemy when you waste money. We’ve talked about buying stuff we don’t need on the blog many times over the last 5 years and as much as I don’t want to admit it, we all do this. Unless of course you are extreme frugal and you’ll find it free first before you spend money buying it. You will wait to make a purchase then to impulse buy which stores bank on so they market that mindset to consumers. It works. Related: I Can Buy It But Can I Afford it? This is how Mrs. CBB and I are today although we didn’t get this far without some money mistakes along the way. Although we are debt free we still struggle when we spend money we shouldn’t and we’re […]

Achieve Financial Success By Leaving Money Sins Behind : The Saturday Weekend Review #208

THE EASIEST WAY TO CLIMB UP IS TO START CLIMBING WITHOUT FEAR.   Are you a good person who fell off the financial train but want to finish what you started before being side-tracked? No one sets out wanting to create debt that could carry them into retirement if not paid back in a timely fashion. Many retire today with debt because they simply couldn’t keep up with expenses vs. income or they were spending too much money and didn’t adjust their lifestyle accordingly. It’s far easier to create the life that we want even if that means with money we don’t have rather than putting the wheels into motion so it becomes reality. Related: A Beginners Guide To Early Retirement I bumped into our neighbour the other day and I asked her how she was doing and if her daughter was still living with her. She smirked a bit and said yes she is still living with her but planning to move into an apartment by the end of May. That’s great news to which she replied, “She’s come a long way and now that her financial situation has improved.” I’m known as the go-to guy when someone has […]

How To Prepare For Short-Term Lost Income Before It Happens : The Saturday Weekend Review #207

    WHEN YOU NEED A FEW DAYS OFF FROM WORK WITHOUT PAY THAT LOSS OF INCOME CAN CAUSE FINANCIAL STRAIN ON YOUR BUDGET.   Lost income can happen when you catch the flu and must call in sick to work. This means you’ll be short money on your next pay cheque and won’t earn as much money as you expect to. Most employers won’t cover your wages if you are off for a few days to a week and even ask for a doctor’s note which may cost you upwards of $50 out of your own pocket. Related: Doctors admonish employers for requesting sick notes, send $50 invoices. Work benefits for short-term might not kick in until after a specific time away from the job.It’s best to know what’s covered and what you need to cover yourself. If you opt out of paying into your work benefits program it’s best to make sure that you are covered somehow, somewhere ahead of time. Rely on no one but yourself! The best income protection is your own because you don’t have to fight anyone for that nor do you have to wait to get the cash you need. Any time an […]

How A Guy Managed To Break The Poverty Chain: The Saturday Weekend Review #206

A CHANCE MEETING WITH A STRANGER CAN SOMETIMES PUT THINGS INTO PERSPECTIVE FOR YOU   Breaking the poverty chain seems like an easy thing to do especially if you’ve lived a life where money hasn’t been a stressful event for your family. You also don’t have to live in the hood to be part of the poverty chain even though there is a stigma attached to such neighbourhoods. It’s not just moms and dads collecting money from the government but also for those people who can’t seem to get ahead no matter what they do. Are they doing something wrong? Possibly, yes. There are plenty of families who have a dual-income that simply can’t manage their money which leave them struggling month after month. There is a face for poverty and then there is a hidden face for poverty that can weigh heavily on the shoulders of every family member, especially the kids. While I was making a tea at work there was a guy I had never seen before at the lunch table reading the Toronto Star and having a bite to eat. Out of the blue he says, “I don’t understand why people complain about price increases” to […]

How To Handle The First Blank Page Of Your 2017 Budget: The Saturday Weekend Review #205

MANAGING YOUR MONEY AND PAYING OFF DEBT STARTS NOW!   Tonight is the night where New Years is celebrated and the next day is when financially savvy people like us turn to the first blank page of our 2017 Budget. This isn’t one of those blog posts that tells you how your financial world is going to crumble if you don’t use a budget. Not at all, rather it’s more of a reminder about just how important your money is and why taking care of it is the best option. First things first, breathe and understand how important of a step you are taking for your present and future days ahead. You are not alone at Canadian Budget Binder with lots of reader support and myself here to help guide you. One of your New Years resolutions may be to Budget and to work on your finances in 2017 which you’ve never done before. Whatever the case may be it’s important to not think that a budget is going to tie you down or get stressed about using one. It should be the opposite feeling of empowerment. Yes, you need a budget but it’s entirely up to you how you […]

Our 2016 Financial Journey Has Come To An End: The Saturday Weekend Review #204

  WRAPPING UP ANOTHER YEAR OF FINANCE AS THE NEXT IS SET TO BEGIN. ARE YOU READY TO TAKE CHARGE?   It’s just about time we say goodbye to 2016 and get ready for the challenges that await us in 2017, and there will be some. With rising food costs, increased utility bills and the ups and downs of interest rates we’re in for another tight year of saving and investing. Every December I get an influx of emails from readers who want to put the year behind them and start anew with a fresh outlook on their finances. This is a great opportunity to set up your 2017 budget especially if you are motivated to do so. My blog budgeting plan for 2017 will include lots of budget talk and possibly a more in-depth look at a new budgeting series to compliment the first I wrote back in 2012. We’ll call it CBB Budgeting Series v.2 only because I’ve learned much more over the years and feel I should share everything I know about budgets. This is the last Saturday Weekend Review post for 2016 and I hope you’ve enjoyed all of the fun we’ve had here on CBB. […]

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