How To Say No When You Are On A Budget!

Photo source For some say the word budget and they turn their head the other way. It’s almost taboo to be on a budget for some. They think budgets are for poor people, I don’t need to budget. Ya right, time to get a grip! I’ve never had a problem telling anyone “No” but sometimes it can get frustrating when people just don’t understand. Have you ever met someone who tells you what they do for a living  and you automatically assume they have lots of cash? Likely, we all do it but is it the correct way to be thinking?- No Why is that not the correct way to think? It’s simply not always the case and we don’t know what happens in everyone’s budget and life. How do you know they have a healthy bank account? Can you read minds?  (if so please click here and contact me…. I could use your ability) There are lots of people earning 6 figure incomes but are in debt because they spend more than they earn or have massive student loans to pay back etc. Education is not cheap and most pay for it for years. Another example is when you say oh […]

Quickie Contest Winners! Reading Our Bills!

Quickie Contest- How We Designed Our Budget Step 9- Reading Our Bills! Thanks to everyone who played tonight it’s been fun! Congratulations to everyone who found the LOVE FERN picture.. it was hidden in the post “Driven to Quit Challenge Has Ended -A Lifestyle Change For Love,Health and Money” Our Winners tonight are : Coupon Prize Goes to…..Jen Peacock #19 for  Jen Peacock – already subscribed to the blog! Coupon Insert Winner-Joanna Cheevers #10 for  Love Fern Location: Driven To Quit Smoking Challenge Has Ended- A Lifestyle Change For Love,Health,Money Please send me your address ! Thanks again to Zayba Ramoutar for donating tonight’s Prizes!! Thanks to everyone who participated! Mr.CBB

How We Designed Our Budget Step 9-Reading Our Bills!

Why you should check all your bills and what to do if you find an error Does this scenario below sound like you? You either open the front door, walk to the post box or go to the post office to gather your post…You scan through it all and then you try to avoid the bills but you know you should read them. You proceed to either open it check the total owing and file it or you simply never open it and toss it in the bin,drawer,on top the refrigerator etc.  Is this a big mistake? You bet it is…It is so important to keep your finances organized and in check! There’s more to a bill then looking at the total cost of the bill. For example When our credit card bill would come in we would have typically opened it and looked at 2 things 1-The Due Date 2- How much we owe We never gave a second thought to look at ; 1-Where did we spend the money we owe? 2-What did we buy? 3-How much was it going to cost us if we didn’t pay off the bill on time (yep there’s that “time is money” saying […]

grocery game monthly challenge

The Grocery Game Challenge-May 7-13 What’s Your Savings?

As promised for The Grocery Game Challenge I will post the Coupon Match-Ups May 4-May 10 from SaveBigLiveBetter.  We typically sit on a Sunday and go through these match-ups and design our menu plan for the week and savings attack.  I’m thrilled to see so many new players that want to keep track of their grocery budget and savings by committing to posting it here each week along with me. Last weeks shop consisted of quite a few pink 50% off stickers which we all know Mr.CBB loves… and so do you if you keep an eye out for them at any Loblaw’s stores.  This weeks shop can be up to $82.70 as we had $18.70 left in the grocery budget from last week. Now we don’t have to spend it and sometimes we don’t add it to the following weeks budget. This week it will come in handy as Shopper’s Drug Mart sent us an email Spend $50 and save $10. Here is our shops so far! Freshco 8x Sponge Towel Paper Towels $1.00- $0.75 coupons Reg $2.99 each 6x Relish $1.00-$0.50  Reg $1.79 each 2x Bicks Dill Pickle $1.99- Buy 2 save $1.00 Reg $2.99 each 1x Cream Cheese […]

Paid By Cash- The New Addition For Our Family Home!

Guest Post By: Cynthia Guptill for Canadian Budget Binder Hi My name is Cynthia Guptill and our story starts back in 2007. Join me on our life’s journey to find out how we Paid Cash for our Dream Renovation. My husband Randy and I met in Calgary, AB,  when we were out there working alongside everyone else during the economic job boom. After we married I got pregnant and we both decided that the cost of living was far too much to try to raise a family in the city. We had to make some decisions for our little soon to be family. At the time we were paying a whopping $1100 a month rent for a basement apartment that met our needs but was far too expensive. Soon after we found out about the pregnancy, my husbands great-aunt passed away. We later found out that she had left her lovely home to my husband in New Brunswick in her will.  The petite home is very nice and boasts one bedroom, which was fine for the two of us. The problem was we had one baby on the way (Connor, now 5) and another baby soon after (Sadie,now 3). So, there were four […]

Take Note: Mr Cbb’s Top Six Money Wasting Pet Peeves!

You should know by now if you read my blog that I am a fairly easy-going laid back type of guy. Not much seems to bother me and I just let crap roll off my back. Life is too short after all to sweat the small stuff, right? Well for me it’s true all the way up until money starts going out the window for things we can control. Since moving to Canada and into my first home here I’ve learned from my neighbours and friends on what NOT to do to save money. I understand debt ,credit cards, lines of credit, mortgages, school loans, and personal loans and how it can take over our life. What I don’t get is how some people let common sense fly out the window then complain that they have no money! Seriously, I see it all the time! Is education key? Absolutely as some people have no idea of how money is flying through their fingers faster than they make it. So let’s start with some basic pet peeves of mine and areas where you might be able to save a buck or 10! For instance… how many of you know someone who brushes their […]

Cheap Summer Family Outings-Not Everything Has To Cost Lots Of $$ Money

By: Canadian Budget Binder Have you ever noticed once the winter sets in most people are comfy sitting inside with the family watching movies around the fire,eating popcorn or playing games. Well that gets old, although it’s a fairly cheap night in with the gang. Then suddenly our lawns turn from white to blah and from gremlins to warriors we battle our way to sun, sand,music,parties and the smell of barbeques! (beer in hand I might add) Yes, it’s that time of year in Canada where we start to hear the lawn mowers running,the birds chirping and your neighbours spring cleaning their homes. Then we have the  kids who are anticipating or better yet counting down the last days before summer vacation. We’ve hung up our snow gear to dust off the next seasons attire because it’s time to get out and get moving again. When we think of fun for the family we automatically think money don’t we. Yes money can get you top-notch entertainment but not everything that is fun and educational costs money . Keep in mind not everyone has money to save for family getaways or short jaunts around the city. It also doesn’t make sense […]

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