5 Exercise Methods That Cost Absolutely Nothing!

Guest Post Not everyone thinks of the simple exercise methods they can easily do at home costing them nothing at all. As the summer approaches, everyone steps up the effort to start looking a little bit better. Over Christmas and New Year’s we’re known to indulge in a few things that aren’t exactly beneficial for our weight, so the few months after are always a struggle to get back into shape. The best way to do this is to eat properly and exercise. Many people join a gym, but some people don’t have the money  or the time do be doing so. Here are 5 great ways to exercise and lose weight and save money at the same time. Running/Walking The most obvious and popular method is going for a run. On my way to work, I’m constantly having to shift over for runners to get past me. On average, a person can expect to burn 700 calories with an hour of running – so if you can keep to a balanced diet, that’s a pound lost every 5 days (3500 calories to a pound). It’s free and can be done pretty much anywhere. If you’re like me, however, and don’t like […]

Get Smart With Your Smart Meter!

Get Smart With Your Smart Meter! By: Canadian Budget Binder Everybody’s got ’em, some have ’em working already, others will be starting in May 2012 and most already hate ’em. You guessed it, I’m talking about the new TOU (Time Of Use) Smart Meters. Although not a new concept in the grand scheme of things, they’re here whether you like it or not. There are other countries that have had a variety of  “time of use” schemes for years.  I can remember as a child in  England me mum always had the hot water on a timer coz of “Economy7“. Having cheaper electricity at certain times of the day has been natural for me, but for the Canadians I know it’s quite the sore point. What’s the problem? Well the Canadian climate for starters isn’t exactly stable, where swings of 70 degrees Celsius between summer and winter exist. Heating and Cooling the house is a major player in the bills department. What did I do? For starters I got rid of my old Mercury switch thermostat and replaced it with a 7 day programmable. I can set the thermostat warmer for when the fans kick in on cheap rate, then have […]

grocery game monthly challenge

The Grocery Game Challenge April 23-29 No Shop Week

  We are in our last week for April’s Grocery Game Challenge.. how well have you stuck to your Grocery Budget? This week is our No-shop week however we do have a few FPC’s we need to use up so we will be heading out to take advantage of these. Do you have a No Shop week in your Grocery Budget? We started the No-Shop week to keep us out of the stores one week out of the month. We try to simply avoid the flyers and do other things during the week. It doesn’t always work out but for the most part we have  a plan in place and work towards our goals. If we spend any money this week I will update it here. We are already slightly over budget so we have to be strong this week. Recap Last Week Total Shop for the Week for all this is $84.25-$75.32= $8.93 overspend for the month of April. Not bad considering all the milk we bought this month.. I would say we did exceptionally well!! Most of the food here is for our student exchange program in the summer! The cases of water are not pictured. +$10.00 spending card from […]

Top 3 First Time Home Buyer Mistakes!

Top 3 First Time Home Buyer Mistakes Everyone who has bought a home has been through it, the scary, nervous time of learning a new language, relying on strangers you don’t know and making massive decisions you are sure will ruin your life.  All this while getting opinions from everyone you have every known whether you want them or not! Despite all this there is an upside…you also get to have you own home! In the hope of helping those who have not gone through this “rite of passage” to home ownership, I want to share with you some of the most common mistakes people make and how to avoid those yourself. #1.  Most people don’t work out what their budget is. You are on reading this here on Canadian Budget Binder, so I am sure you have done one by now, but you would be shocked how many people are not even aware of what they can afford, let alone what their plan is, other than wanting a home.  A detailed budget and plan of potential costs is a must to start this journey.  Staying with it is a key to living happily ever after! #2.  Little or no […]

Do They Offer Debt Management Degrees?

It’s not just Canada where most students are finding themselves under water before they even graduate,it’s happening all over the world. Read this guest post by my mate Michael Edmondstone in the UK who had the wake up call of a lifetime. Mr.CBB Guest Post By: Michael Edmondstone A degree, a wealth of memories and… thousands of pounds of debt; that’s what I left University with, and I’d wager that plenty of other students have the same outcome. With the job market tight and the realisation that I’d overspent during my three years, it was a scary time trying to understand how I’d be able to get out of this sticky patch. Sticky patch may well have been an underestimation considering the two credit cards I’d managed to max out – not to mention the tuition fees and student loans. Low interest was a great deceiver in more naïve times but they’d gone and I had to face up to £3,500 credit card debt I had. And, since I have, I thought I’d share it with everyone else. So, here it goes: Understand where you’re at – The first thing to do is to ensure that you know exactly what […]

Mr.CBB’s Oatmeal Chocolate Chip Raisin Cowboy Quickies!

If you are in the mood for cookies, try my cowboy quickie cookies filled with oatmeal, chocolate and butterscotch chips and raisins. Seems like a lot but it’s worth every bite especially if chocolate goodness is what you are dreaming of for your sweet treat of the week. I woke up this morning went for a jog in the light rain then came home and felt like something… well, sweet! Since the Mrs. was still sleeping I decided to check our freezer inventory list to see if we still had chocolate chips. I wanted to make a signature cookie for Canadian Budget Binder sort of like the recipe mascot for the blog although it’s in a tight competition with my fudgy brownie recipe that’s loaded with chocolate and walnuts. I must admit I enjoy baking cookies and have done it since I was younger as we helped me mum in the kitchen. I was always wanting to learn from me mum and dad. I found it rewarding when I was able to help or replicate something that they had taught me.  This cookie I’m afraid is the works of my imagination and frankly it turned out pretty darn good. If you want […]

Five Ways To Cut Your Budget To Save Money $$

One of my fans asked where they could cut back in the budget to save more money as they weren’t putting any emergency savings money away. This actually got me thinking about our budget. What if I had to cut money in our budget and what were the first categories I would look at. Clearly we can’t make any changes to the “Fixed Costs” in the budget. Fixed costs are costs that are the same each payment. So the only other option is to look at the “Variable Costs” and see where we could make adjustments.  Sometimes the top reasons people go into debt are simply because they are not budgeting and not being mindful of where their money is being spent. This task perhaps may be overwhelming for some yet we continue to get overrun with excuses and reasons why they  simply can’t do it. They  justify each expense and then give up working towards their goal of saving or paying down debt. You have to be motivated and willing to go without sometimes to reach a goal. Jen Peacock a Facebook Fan says “Makes me angry and then I usually give up, I need motivation!” Well I’m there (Mr.CBB) to […]

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