7 Facts about Credit Card Loans That make them Overshadow Bank Loans

FROM TIME TO TIME YOU MAY BE FORCED TO MAKE FINANCIAL DECISIONS WHEN YOU DON’T HAVE AVAILABLE SAVINGS.   There are options with-in reach for those of you who are struggling to get ahead provided you find one that works with your budget. In this era of digital transactions, credit cards have a myriad of uses ranging from cashless transactions, reward points to special deals. In fact Mrs. CBB and I typically only use our credit cards to make purchases because of the perks. We pay our credit card in full at the end of the month and hardly ever have to step foot into our bank. Credit cards offer the convenience of shopping almost anywhere across the globe with a swipe, tap or insert payment option. If handled correctly credit cards can be a source of freebies and financial help in the event you are stuck without emergency savings as back-up. Even if you do have savings, sometimes they are just not enough depending on the circumstances. In addition, you can access a fast pre-approved loan within and sometimes over their credit limit. The company advances you the amount that you can pay at a later date with a […]

grocery game monthly challenge

The Ultimate Kitchen Renovation Meal Survival Guide : The Grocery Game Challenge 2017 #5 May 29-June 4

LIVING THROUGH RENOVATIONS CAN BE TOUGH FOR MEALS BUT NOT IMPOSSIBLE IF YOU PLAN AHEAD.   It won’t be long before Mrs. CBB and I start thinking about our kitchen renovation that has been in the works for 8 years. We decided to wait because it was important that we saved the money first so we could finally get our dream kitchen. When is the best time to think about beginning a kitchen renovation? Never. It sucks to live through it BUT think about the end-goal and how exciting it will be to bring your visions to life. As soon as the snow melts and the windows are opened in our house all we hear is large delivery trucks, hammers, drills, saws and plenty of renovation noise happening. That being said a kitchen renovation during any season other than winter seems to be your best bet. Since we plan to live in our home until our son graduates elementary school it seems reasonable to renovate the kitchen to suit our growing family. Right now it’s functional but needs a face-lift and a dishwasher would be nice so I can quit my side-job.   Eating out during a kitchen renovation   […]

Peanut Butter Banana Oatmeal Chocolate Chip Muffins (Flour-Less)

A SIMPLE MOIST MUFFIN THAT YOU CAN MAKE IN LESS THAN 30-MINUTES.   When I bite into a muffin I expect it to be moist, flavourful and to not fall apart in my hands. These one-bowl flour-less peanut butter banana oatmeal chocolate chip muffins are the perfect breakfast muffin or ideal for a quick snack on the go. Our almost three year-old son absolutely loves Tim Horton’s chocolate chip muffins and knows the difference if we try to swap one out for something else. Living with a picky eater is tough especially when they are still learning to talk. I tried to pass off raisins the other day for chocolate chips and met with a disgusted look. I tried. Related: How to motivate picky eaters in your family I know it sounds like a mish-mash of ingredients but I don’t think I’ve ever seen our son demolish a muffin the way he does with these peanut butter banana oatmeal chocolate chips muffins. I’m pretty sure Mrs. CBB and I just watched him eat it because it’s not often we see him thrilled to eat something we make at home. Related: Just like Tim Horton’s Chocolate Chip Muffins Recipe Mrs. CBB […]

Important Tips To Protect Yourself From A Roofer Scam Artist

IT’S SO EASY TO GET CAUGHT UP WITH THE COSTS OF LARGE RENOVATIONS THAT IT’S SIMPLE TO MISS THE SIGNS OF A SCAM ARTIST.   When we bought our current home in 2009 we knew that we would have to put a new roof on with-in a year or two as it was the original. By the time we got the keys to our new home the roof was already 15 years old and the 20 year builder grade shingles had seen better days. The average cost to install a roof on a 1500 square-foot home in our area is between $6000-$8000 dollars. How long would it take you to earn and save thousands of dollars? You wouldn’t want to see your hard-earned money walk away but for many unsuspecting homeowners a roofer scam artist can take them to the cleaners. If you’ve been scammed by the roofer scam you’ll know how it feels to lose a big chunk of money or be left with significant repairs or damage by an unskilled roofer. Not all home insurance policies will cover roofer scam artists let alone their shady work. Always read the fine print on your home insurance policy and if […]

How to Save Money on Airfares Using A VPN

TRAVELLING WITHOUT THE HIGH COSTS MEANS A BIT MORE WORK SOURCING DEALS BUT WORTH THE EFFORT.   We often do a lot of traveling, whether it is for business ventures or vacations. In fact, we’re heading to the UK next month for the first time since I moved to Canada 10 years ago. Travelling to Europe isn’t as cheap as it was when I lived there. I was able to score some great deals and travelled to many countries for cheap and vacationed like a king on a budget. In today’s technologically advanced world, we can hardly spend time away from our digital gadgets. We need to check our Facebook accounts, watch the trending videos and keep our friends updated about our whereabouts — even when we are traveling. But in doing so, we often risk our online security. Especially when we use the public or semi-public Wi-Fi at the airports, train stations, cafes, and hotels. Related: How I budgeted my travel expenses for work and for play Anybody using the same network can track your activities and fetch the information (usernames, passwords, credit card numbers, etc.) you send over the Internet connection. However, a VPN can be your savior. […]

How To Build Your Wealth Without Earning Big Bucks : April Net Worth Update (+1.96%)

YOU MUST BE EARNING BIG BUCKS IF YOU’RE DEBT FREE- Not exactly.   The misconception that you must be rich and earning big bucks if you’re debt free is SO WRONG. The first thought that comes to mind when a young person says they are debt free without a mortgage is that they must have inherited money from someone. Typically the parents are the first target of interest, but does that really matter? Not really. It helps but it’s not often parents have the spare cash to dish out but for those that get that kick-start if they aren’t money-wise they could lose it all. Buying a house depending on where you live in Canada is becoming out of reach for many people especially millennials looking to get into the real estate market. A recent house sale on our street went for nearly $700,000 at just under 1400sq feet. Have a look at how much we value our house at in our net worth chart below and you’ll see what I mean. Manulife Bank issued survey results on Tuesday that suggest 45 per cent of millennial home buyers received a gift of money or a loan from family. That compares […]

grocery game monthly challenge

Luxury Food Products That Are Eating Into Your Grocery Budget : The Grocery Game Challenge 2017 3&4 May 15-28

THE WORD GOURMET AND LUXURY ARE PARTNERS IN CRIME AND IF YOU MEET WITH THEM BE PREPARED TO PAY THE PRICE.   The most expensive food is the food that you can’t afford to buy. Your grocery budget should be important to you especially if finance is something that you want to challenge and control. For most consumers the  number one budget category to tackle is the food budget. The reason is because we can change how we shop and what we eat. Product prices differ all over Canada and for this reason depending on where you live the struggle to keep on budget may be near to impossible or at least seem to be. One way you can help your grocery budget>>Investigate your habits. Find out what gourmet really means and why you should consider chopping luxury food products that take up too much real estate in your shopping cart.There’s nothing wrong with indulging in your favourite luxury food products but when it becomes a habit you may be biting off more budget than you can chew. Stop making excuses as to why you need a bag of chips every time you watch television or pop in a DVD […]