Landscaping On A Budget In Canadian Soil- The Series Part 1

Get Ready To Landscape Your Dream Home Now that spring has sprung many people are anxious to get outside to start on their landscape projects. However, for many the mere thought of doing landscaping can lead to sleepless nights and visions of empty bank accounts. Over the years I have worked with many clients who have fallen into this category, they want to bring their yard to life but they are worried about the costs associated with undertaking the project. In many cases they are first time homeowners who have never landscaped before and have heard stories from friends and family of how much their backyard retreats have cost. They also may have simply wandered into a garden centre only to have been overwhelmed by names and price tags. On top of that, many folks today are both budget conscious and “green” conscious and want to bring both of these items to the table when beautifying their property. Landscape design: The plan As a landscape designer the first thing I ask my clients is about their budget – right away you need to know how much you want to spend on the project initially and long-term. Let me explain, when you undertake […]

How To Maximize Your Mortgage

  TAKE ADVANTAGE OF SHAVING YEARS OFF YOUR MORTGAGE Many people get into their first home and are so busy fixing it up, moving in and just getting used to their new home they quickly forget about their mortgage, other than that big chunk of cash that goes out of their account every month. They are losing money by ignoring it! Many banks don’t explain much in the way of “best practices” with mortgage repayment.  One of the simplest is paying your mortgage on either a Weekly or biweekly basis to speed up the repayment process, but beware, some banks offer non-accelerated weekly or biweekly which do nothing to pay back your mortgage faster! Follow this simple system when setting up your payments: If you are paid every 2 weeks, pay your mortgage with biweekly accelerated  If you are paid any other way, pay your mortgage weekly accelerated. The reasoning is simple, say your mortgage is $1000 per month, paying biweekly accelerated puts more onto your mortgage in a year ($500 x 26 = $13,000 vs. $1000 x 12 = $12,000), same with weekly accelerated ($250 x 52 = $13,000). So apart from your mortgage payment, what else can you […]

Good Friday Meal-Lightly Fried Fish with Garlic,Lemon Butter On A Bed of Rice & Lentils- Cost $ 1.93 each

You are bustling getting everything sorted for Easter Dinner that you forget about Good Friday and the meatless meal you may have to tackle. Although our Easter Dinner in the Crock pot will be quick and simple and stay with-in budget we needed something special for Good Friday. What is Good Friday?  Good Friday is a religious holiday observed primarily by Christians reflecting on the crucifixion of Jesus Christ and his death. The Holiday is observed the Friday preceding Easter Sunday and may coincide with the Jewish Passover. You can read the entire story here. Being that the wife is Catholic they have a day of fasting on Friday meaning they eat smaller meals and no meat. I thought it would be a great idea to come up with a recipe for this Good Friday to share with the family. Even if you are not celebrating this dish is remarkable in flavour and can be eaten any time of day breakfast, lunch and dinner any time of the year. This recipe may be used with any white fish, here I chose Pollock smothered with a garlic lemon butter sauce on Basmati Rice with Red Lentils. This fish would taste great paired with a nice bottle of White Wine Gewürztraminers from Niagara Falls, Ontario. […]

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 […]

grocery game monthly challenge

The Grocery Game Challenge April 2- April 8 Happy Easter!

Since Easter is just around the corner I thought it be proper to highlight this special occasion for most families around the world.  I’m sure this weeks shop will include Ham, Potatoes, apples, stuffing, vegetables, gravy and dessert (brownies will be our number one chocolate pick of course) ha! One of my favourite recipes is what I call our Easter Dinner In The Crockpot which was sent by Shelley C. a Facebook Fan.  I ran with her  potato and ham idea and  made it my own jazzing it up with various spices and variations so that we could use it for Easter or any night of the week. It was a hit so try out my version and see what you think! Thanks Shelley! We love getting recipes at Canadian Budget Binder so simply email me your recipe along with your name and if I use it on my blog I will make sure you get the credit you deserve! Although we will be heading to the relatives for dinner this year we still made it to the shops to pick up some quick items.  When I finished our March Budget update and actually saw our $200 overspend on groceries it really […]

March 2012 Canadian Budget Binder Budget Update

Hi there folks, I’m back with the March 2012 budget update for Canadian Budget Binder. You probably already know but we’ve just finished designing the Canadian Budget Binder Budget Spreadsheet and have tested it out this past month. We are continually trying to improve the sheet and so far we are very happy with the outcome. In the upcoming month we will look for a few volunteers to test it out and give us some feedback. Most of the excitement has come from the “projected expenses” the expenses we have decided to budget in each month and transfer to a separate account until they come due. Many of my fans agreed that when it comes time to pay one of these projected expenses they had to pull money from their savings or emergency savings to pay the bill as there was not enough money left in the budget.  Some even went as far as to put it on a credit card or use the line of credit as the money just wasn’t in the budget. It’s the small things we tend to overlook and I really don’t want to be dipping in our savings to pay for them. The Emergency Savings is […]

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 […]

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