Why This Senior Doesn’t Care If He’s Retirement Poor : The Saturday Weekend Review #222

DON’T LET MONEY KEEP YOU LOCKED BEHIND CLOSED DOORS.   Finance has consumed Joe’s (changed name) entire life and now he says that he doesn’t care if he’s retirement poor. Who is Joe? Joe is a guy we met last week at the gym while babysitting his grandson. The gym has become a hub for parents/grandparents/caregivers who have little to no social life. We joke about this just about ever week. All wired up in the corner of the gym there were 6 of us parents chatting about the cost-of-living and how it’s been getting harder and harder. This is where Joe jumped in to say that he’s tired of worrying about money and he doesn’t care if he’s retirement poor or not. “I’ve lived a good life and seen more than I thought I would ever see”, as he calls over to his grandson to get out-of-the-way. Joe is an athletic almost retired man with white hair and a big smile that most people would gravitate towards. Even though he knows he hasn’t saved near enough he says being retirement poor won’t stop him from doing the things he loves especially when it comes with a free price-tag.   […]

5 Important Budgeting Rules We Won’t Break : Our April 2017 Budget Update

Budgeting rules are not laws that will strip you of your financial independence. They are your guide to financial success.   Your budgeting rules may not help you get out of debt in 12 months but it will help you get out of debt according to your payment schedule. The more money you can pay on your debts the faster you will get rid of them. Earn more> Pay Debt> Save More> Repeat which also means for some people that a second or even third job is needed. I can’t tell you what you SHOULD do because I don’t know your numbers this is why it’s crucial to have in-depth look with your financial planner. Since Mrs. CBB and I do our monthly budget together we were talking about what we’ve accomplished and continue to do to make our budget work for us. Besides being on the same page financially we both follow budgeting rules that we feel have been crucial to our zero debt success. This month will mark three years of us having total debt freedom since paying off our mortgage. Often we wonder how we managed to pull that off before the age of 40 when so […]

grocery game monthly challenge

How To Tell If Your Grocery Expenses Are Too High or Too Low : The Grocery Game Challenge 2017 #1 May 1-7

IF YOU ARE STRUGGLING TO FIND SPACE TO STORE MORE FOOD OR RUNNING OUT YOU MAY NEED TO RE-ADJUST YOUR GROCERY EXPENSES.   Your grocery expenses may be something you’ve been thinking about lately with rising costs in just about every budget category this year. Who’s going to want our money next? It’s best to always be prepared even if that means making sure you have a stocked pantry but not overflowing. In the meantime I’m going to show you just how you can figure out your grocery expenses to find out whether you need to increase or decrease them. You either have too much food, too little food or just enough with a back-up plan. These are two situations that everyone runs into every week unless they have figured out their food plan. Should you shop or call it a no-shop week? The choice is yours but your best indicator is your grocery budget and what you’ve already got at home. One of the most important aspects of food shopping is to create a balance between what you need to eat and how much you do eat. This will give you a better sign just how much food you […]

Gorgeous Asparagus Salad with Greek Feta Cheese (Low-Carb)

ADD A SPLASH OF COLOUR TO YOUR SPRING AND SUMMER SIDE-DISHES   A vibrant green fresh asparagus salad with sweet red peppers and Greek feta cheese dressed with an apple cider vinaigrette will wow you and your guests. The best part is that the asparagus salad is low carb and easy as pie to make. Well, easier than pie I should say. When you are hosting a party this Spring or Summer take advantage of fresh asparagus that are in abundance and fairly inexpensive to purchase. Since asparagus is stocked at the grocery stores keep an eye out on the reduced rack as you may get lucky and score a great deal on seconds.   Foraging for Asparagus   Around May, June and into July asparagus are in season in Ontario and you can find asparagus growing in many ditches along country roads where vegetable farms reside. This is the time you may find foragers out and about with their bags and a sharp knife scooping up their free produce. We’ve done this many times in the past with the family and it was quite fun. My father-in-law is a master forage ranger as he started with his parents back […]

Crazy Notions About Being Young And Living Debt Free : The Saturday Weekend Review #221

IF YOU GET EXCITED ABOUT WHAT SOMEONE ELSE HAS DONE ASK THEM IF THEY WILL TEACH YOU TO DO THE SAME.   There was a time in my life where I would come down on myself hard because I was sick and tired of not being able to live the dream. Whatever that meant back then I can’t tell you but I know today that it means living debt free. If one of my mates had rich parents I would be jealous about it and wished I was that lucky. There was lots of wishing going on and not much doing. Once I had my first job earning money that’s all it took because I never looked back, only to say I’m sorry for judging you in my own little way. I wanted all the riches back when I was a boy but as I became older and lived through many financial experiences that super-charged my mindset. I’m finally at a happy place in my life where money doesn’t matter so much. It’s just nice to have and money stress is gone for the most part. I don’t go to work for the money, I go because I love it. […]

Should We Bother Renovating Before Selling Our Home?

EMOTIONALLY INVESTING IN YOUR HOME RENOVATIONS IF YOU PLAN TO MOVE WILL COST YOU MORE THAN YOU NEED TO SPEND.   Lately I’ve been quite impressed with the house prices in our area but at the same time know that if we sell the cost to renovate and buy weigh heavily on our minds. Not only that but the real estate market in Canada might be hot right now but if you have renovating to complete that might set you back with missed money opportunities. The top 3 questions next to time-frame that you need to answer before putting your house up for sale are; Should we renovate our home to get better return? How much will our renovation budget be? Do we want to upgrade or downsize buying a new house? On our street for 2017 we’ve had 5 houses up for sale all of which sold in and around a week or less.  That might sound impressive and it is because houses don’t last long living in the Greater Toronto Area (GTA). With no more than 100 houses on our street that’s a huge number of nosey neighbour radars going off. That’s us ^^^^, we admit it.   Who […]

grocery game monthly challenge

5 Simple Grocery Savings Tips For The Busy Shopper : The Grocery Game Challenge 2017 #4 Apr 24-30

IT’S HARD TO WINDOW SHOP AT THE WHEN YOU’RE IN A RUSH.   If you’re consistently seeing that you’re spending more money on groceries then you’d like to perhaps you’re a busy shopper who needs to back up a step before moving forward. Like a harmless day of retail therapy after work grocery shopping therapy is just as exciting for those who love food. Both of which come with a high price tag if not careful. Do we put enough time and effort into what food we put into our bodies? For the most part I think we buy what we can afford and often go without so we can have something that’s a bit pricey. Those that follow this routine are in-tune with their food expenses and understand the idea behind stretching the food budget. If you have $100 to spend it depends on how many people you are feeding with the $100 and for how long. Those who are shopping for one or even two people at $100 a week every week may be able to afford less for more money. Not everyone wants to get value from their grocery expenses as missed opportunities to save their money […]

Flaky Corned Beef Puffs A Taste Of Home

YOU DON’T HAVE TO GO TO THE UK TO TASTE THE FLAVOURS OF CORNWALL   They say that you haven’t had a proper pasty unless you’ve been to Cornwall, UK. I grew up on Corned beef pasties as we call them in the UK and if you ask anyone they will tell you the history behind pasties and Cornwall, hence the name. Corned beef pasties (Cornish Pasty) were common meals for those who worked in the Cornwall mines because they were considered a meal-in-one. The pasties are short crust pastry stuffed with meat (typically beef) and vegetables, sealed then baked in the oven. My version of the UK Cornish pasties are Corned Beef Puffs which are savoury flaky and sure to fill hungry bellies. Don’t let corned beef in a can (also known as salt beef) scare you away because it’s delicious and certainly a staple in many homes around the world. Another popular recipe you might be familiar with is corned beef and cabbage. My corned beef pastry can be eaten hot or cold which makes them perfect for an on-the-go meal instead of stopping off for fast-food. If you double the recipe you can pack extras in your […]