PF Friday Grab a Brew #48: How to ask for help when it comes to money success

YOU NEVER KNOW WHAT SOMEONE HAS TO SAY UNLESS YOU ASK A QUESTION Money success to me means that we are in charge of our own lives and how it plays out really depends on many factors with the main one being understanding where we stand financially. When it comes to our personal finances we were never the couple to ask for help nor did we disclose how much money we made or saved because we simply didn’t want people to know. Starting the blog CanadianBudgetBinder.com was and still is a way for me to talk about personal finance and how it applies to our budget but also to open up and learn about others successes and failures. When I first started chatting to my friend over at Nurse Frugal and her husband whom she calls Mr. BT almost 2 years ago they were on a journey to become debt free including their mortgage using a budget and Dave Ramsey principles. They have now paid their mortgage in full as of November 2013 an exciting time for this young couple who worked so hard to reach this goal which you can read about it in their latest post “Freedom”. What […]

Black Friday: Not just a one day sale anymore

SAVE NOW ON BLACK FRIDAY SPECIALS   No more crossing the border for Black Friday as the sales are set to begin on our home turf, many starting today or at the stroke of midnight. If you are not sure what to expect for Black Friday 2013 which falls on Friday, November 29 this year get ready to save some serious cash if you know what you are looking for. Black Friday is just about here and in some places the lines of people camping out in some cases for days at a time have already begun. There are lots of great deals to be found on Black Friday, many of which are in limited quantities meaning a lot of people are hoping to get their hands on one and many who have been unable to in the past. With Black Friday planned around the American Thanksgiving and originally being only an American sale day, Canadian retailers are trying their best to keep Canadians shopping for some exclusive Black Friday deals in Canada. As part of an attempt to keep more Canadians shopping at home instead of crossing over the border into the United States, many retailers are now offering, […]

Comparing the comparison sites in Canada

COMPARE ONLINE PRICES AND SAVE   If you love to budget your money like we do then the fact that I love to compare prices on just about anything will come as no surprise to you. When I used to live in the UK there were many comparison sites on the web that could compare and select the best choices for just about everything. Anything from the cost of socks to which domestic gas supplier you choose and which home insurance covers the damage if the gas supplier was a bad choice.   UK to Canada   After moving to Canada there didn’t seem to be anywhere near the amount of choices of utility companies, insurance companies etc. That is until I started looking into insurance for my first Canadian car. After reading many stories online about other people’s successful emigration to Canada and how they saved money on their car insurance, following their footsteps should have been fool-proof. The phone was in full use while I phoned just about every insurance agent in the local area and was disappointed at best and totally disgusted at worst with the quotes they were coming up with. One quote for car insurance for 1 […]

grocery game monthly challenge

The Grocery Game Challenge Nov 25- Dec 1, 2013 #4 : How do you like your bread?

COST IS ULTIMATELY THE DECISION MAKER   Do you find that you consume more or less bread at different times of the year and that you are changing the brands you purchase frequently depending on price? While at the grocery store yesterday we noticed there are so many bread choices available these days and most people do what we do, stand and stare. Almost everyone buys bread unless you don’t like it, make it at home or simply just don’t care to purchase it and will be a driving force especially if bread is on sale in the weekly grocery flyer. Bread deals are a fierce competition amongst the different companies and coupons are just icing on the cake especially if that motivates you to buy the product. Although we don’t purchase much in the way of bread products we do stock up when we can find pink stickers offering 50% off in the Loblaws stores or we can get a great deal using coupons. I’m going to have to agree with many that homemade is always better but what it boils down to for many is the price and for a great majority the health benefits of the loaf […]

The power of plastic points

If you’re like most people, you probably have a wallet full of colourful plastic cards that are taking up space and making it harder and harder for you to close the clasp! If you look through them, you’ll likely discover that while some of these cards are useful credit and debit cards than a few are loyalty cards you just never use. It’s understandable how anyone can end up with such a collection. Practically every retailer offers a loyalty point scheme. At the time, it can be hard to think of a good reason to refuse and with a little effort, the points we collect with plastic can be worth it … as the following tips show.   Be selective of points cards   Before saying yes to every loyalty point card which is put under your nose, think about how often you shop in a particular store. Is it really worth the effort of filling out the application form? Think about where you would shop regularly even if you weren’t part of a loyalty scheme. Once you’ve identified these stores then take advantage of the schemes that they offer. One of our favourite shops to use a rewards points […]

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