How Financial Sacrifice Helped Us Become 40 and Debt Free : The Saturday Weekend Review #212

SORTING OUT OUR FINANCIAL AFFAIRS TAKES MORE THAN SIMPLE MATH   For the first time in her life Mrs. CBB bought a brand new cell phone but it took her 20 years to make the decision to do so. Financial sacrifice has been a huge part of both of our lives from the time we were young and even today now that we have our mortgage paid off, $200,000 in the bank and almost all of our investments topped up. It’s not much really considering we could have done better saving using a budget earlier on in our lives. But to someone else that’s a success they dream about. Let me tell you something, it wasn’t easy and it won’t be easy for you. We gave up lots to get ahead and not a day goes by where we regret anything we’ve done.   Unlimited Moves   The other day we made a phone to Rogers our provider for home phone, cable, internet and Mrs.CBB’s new Samsung Galaxy 7 (S7). The reason for the call was to ask about new Rogers promotions that might help us lower our monthly bill and talk about costs of a data plan for the […]

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 […]