How To Stop Wasting Valuable Time At Garage Sales : The Saturday Weekend Review #219

UNDERSTAND THE BUY AND SELL WINDOW OF OPPORTUNITY WHEN SHOPPING FOR DEALS.   Please don’t state the obvious especially if you don’t fancy garage sales because I can already hear responses echoing in my head- “Don’t Go”, “Stay Home” or take a little walk and the urge will go away. I’m afraid you can’t take the frugal out of us especially when we can save big buying used to compensate what we can’t save money on. Having a toddler in tow makes second-hand shopping far more interesting because there will always be something needed. Each year after a season of garage sales which start slowly in the Spring I seem to learn something new about what I like and don’t like about them. Then what do I do? I come and blog about my findings to all of you so you learn from mistakes or like I say, “Money projects”. My money projects are about research, doing things differently, being the bad customer, the good customer etc. In fact I’m probably the buyer I describe as “avoid at all costs” but without personal experience it’s hard to say I know how something is when I haven’t lived it. You can’t […]

The Secret Society Of Debt Freedom : The Saturday Weekend Review #217

MONEY BEHIND CLOSED DOORS IS A WAVE FILLED WITH UNCERTAINTY.   There are many secret societies of the world but the only one you should be focused on is that of your debt freedom. Why a secret society? Not many people I know flash around the news that they have achieved debt freedom nor do they explain what it feels like. It’s almost expected that people who have found the key to financial success must share it with the world. That’s fine as long as you’re prepared to deal with the aftermath and there will always be one whether you think so or not. Having money brings peace and an evil all at the same time so choosing your battles wisely is always teeter-totter situation.   Secret society invitation   If you’re waiting for an invitation it will never come especially if pretending to have money is part of the smoke cloud you’ve put on for the real world. There are no awards, no red carpet, bright lights or paparazzi going to be following those who have been inducted into the secret society of debt freedom either. You don’t have to be famous, You don’t have to have a 6-figure […]

What Basic Money Skills Should Be Taught In High School?- The Saturday Weekend Review #216

PERSONAL FINANCE IS MORE THAN JUST BUDGETING YOUR WAY TO FINANCIAL FREEDOM.   Teenagers may find out the hard way in the world of personal finance if they don’t understand finance basics. In the past parents were the financial leaders responsible to teach their kids about money. They still are but things are about to possibly change in Ontario. Personal finance for teenagers has slowly been easing its way into the education system because it’s not just a need it’s critical. This is something that we should all be happy about because not all kids get taught about finance basics at home. The other thing to consider is that the kids are getting taught enough about money or aren’t getting the hands on experience. There’s the learning and then the doing and this is how we build a stronger understanding of what is right and wrong and how to prevent financial disaster or at least avoid it. Personal finance education has long been discussed in Ontario and Education Minister Mitzie Hunter will be announcing the plans for rolling out a Pilot Project teaching 700 teenagers in 28 local high schools about Basic Money Skills in the next week. Personal finance […]

Spring Cleaning Tips To Help Get Your Check-list Started : The Saturday Weekend Review #215

PUT AWAY THE COZY BLANKETS AND GEAR UP FOR THE SPRING THAW.   In the dark Tuesday evening while trying to fall asleep all of a sudden I hear a voice, ” I can’t wait to smell the flowers, fresh-cut grass, peppery basil and feel the sunshine on my face.” It was Mrs. CBB and I wasn’t sure if she was talking to me or engaging conversation with herself. Turns out I was who she was speaking to, darn. Here it comes…say it… “We have so much to get done this Spring” and then she rolls over and goes to sleep. Related: How to start your Spring garden from seed When the snow melts and gardens look like a bowl of muck it’s a sad sight to see but with early planning and these Spring cleaning tips you won’t have to stare at it for too long. It’s not just the outside jobs that must be considered in the Spring there’s also the top to bottom clean and purge indoors. When is the first day of Spring 2017? Spring 2017 officially begins on Monday which means you’ve got some time to draw up a plan of action for this exciting […]

Top 6 Retirement Mistakes To Avoid [$1000 Give Away!] : The Saturday Weekend Review #214

STEER CLEAR OF THESE 6 RETIREMENT MISTAKES THAT CAN THROW OFF YOUR PLAN TO RETIRE COMFORTABLY.   We all hope that by carefully planning for retirement we will not have to worry about anything in the future. While making a plan does make you more comfortable and prepared, there are still ways that cause your retirement plan to derail.   Getting divorced   No one plans on getting a divorce, but life happens. Divorce is something that can have a lasting impact on your finances and subsequently on your quality of life. Even if divorce is amicable, legal fees can quickly spiral out of control in dividing the family assets. You probably saved money and made a retirement plan based on the assumption that there will be two people enjoying the family nest egg in the golden years. However, in divorce the savings will end up being divided among two households, which means less money for both of you. Marriage and Common-law partnerships needs to be looked after and time need to be spent nurturing the relationship and taking care of each other. Since at the end of the day it is both a romantic and a business relationship. This […]

Dangers Of Role-Playing The Rich Life Without Financial Peace : The Saturday Weekend Review #213

WHEN THE CURTAINS CLOSE WHO WILL BE THERE TO SAVE YOU?   I’ve learned that there is no in-between for people when it comes to financial success and what one would consider money failure. Many people either consider themselves rich or poor and that’s what they base financial success on rather than being comfortable in the middle. I’m not going to get into a spiel (shocking I know) about how to save money or get out of debt because I’m sure by now you should know how-stop spending money. Instead I want to focus on financial peace and what it means to you. Have you ever thought about what would bring you financial peace in your life instead of stress? If yes, how are you working towards attaining financial peace? If no, stop trying to figure it all out or pretending you’re someone you’re not for the sake of playing the lead role in a movie about your life that doesn’t exist. Related: How to say No, I’m on a budget. Unanswered questions most often become swept behind and forgotten until it’s too late. Why is it so hard for someone to say, ‘I’m broke‘ or “I just don’t have […]

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 […]