Sugared Butterscotch Ginger Snaps

THERE’S LOTS OF SNAP IN THESE EASY TO MAKE GINGER SNAPS   Bring gourmet into your home kitchen without the extra costs of the bakery. I’ve taken an old-fashioned Ginger Snaps recipe to the next level and created a cookie (biscuit) that no one has ever tasted before. Let’s be realistic here for a moment because I know many of you might be scratching your heads wondering why and how on earth I’ve made Butterscotch Ginger Snaps. Although traditional baking holds a place in my heart I find the only way to create new recipes is to experiment. This might mean you fail at some of your test recipes but other times like this, they turn out magnificent.   Old Fashioned-Ginger Snaps   Before we get into my Butterscotch Ginger Snaps recipe for those of you not familiar with the Ginger Snap think crunch. If you’re craving a spiced cookie with a crunchy, chewy texture this is the cookie recipe that you want to make. What are Ginger Snaps? A ginger snap, ginger nut, or ginger biscuit is a globally popular biscuit based snack food, flavoured with ginger. Ginger snaps are flavoured with powdered ginger and a variety of other […]

Financial Empowerment Tips For International Women’s Day : February 2018 Budget Update

EMPOWER YOUR FINANCIAL INDEPENDENCE AND CONTROL YOUR MONEY   Today, March 8th is International Women’s Day and it just so happens to be perfect timing that a report was released by a national survey commissioned by the Financial Planning Standards Council (FPSC). Financial empowerment is so powerful that only YOU can help start and grow your knowledge. Survey says…Women need to do some serious financial homework. After surveying 1000 Canadian women last month about financial struggles it revealed that roughly four in ten women don’t even know their credit score.  Also uncovered was that a majority of women have at least one struggle when it comes to their finances. What this means is that you may be knowledgeable in one area but fall short in another. Related: Get your Credit Report, It’s Free Canada. Never rely on anyone but yourself when it comes to your money.   Learning finance the hard way   Just this past week my father-in-law passed away and to say that their finances were even a smidge in order would be an understatement. Both of them have little to no knowledge about finance and budgets, never negotiate bills or interest rates, over-draft is in full-swing and […]

grocery game monthly challenge

13 Food Items That Do Not Require Refrigeration : The Grocery Game Challenge 2018 #1 Mar 5-11

ENJOY THE QUALITY OF FOOD THAT YOU PAY FOR WHETHER YOU GROW IT YOURSELF OR NOT   I have to admit before I met my wife there were food items I thought needed refrigeration but really, they didn’t. Growing up you may have learned about food storage in home-economics class, reading books/magazines, cooking shows or your parents shared their knowledge with you. If you grew up on a farm you probably know more than your friends do and sometimes I’m envious of the farm friends I have because they know so much about the earth and how foods grow. I do have a green thumb but need to find time to get back at it. In the meantime I’m foraging when I can and will continue to do so all thanks to my father-in-law who taught me where to look for mushrooms, asparagus, herbs and berries in Ontario. There are so many foods you can forage but even then you must know how to store food items or risk wasting them or losing valuable nutrients and flavours. Coming from a gardening family Mrs. CBB had a dad who knew exactly how to store food items that he grew in his […]

Delicate Almond Peanut Butter Cookies (Only 4 Ingredients)

A SOFT NUT COOKIE WITH CLASS BUT WITHOUT THE COSTS   If you’ve ever wanted the tastes of peanut butter and toasted almonds in one delicious bite I’ve got you covered with these satiny almond peanut butter cookies. Begin by opening up your pantry and refrigerator, blast the oven to 350 degrees, pull out utensils and with-in 30 minutes you will have 20 almond peanut butter cookies cooling as you’re drooling! Homemade baked goods are best…always and forever. Have you ever noticed that any time you want to purchase specialty made cookies from the bakery they come with a high price-tag? You’re not alone and in that moment of lazy baking walk away and vow to make them at home yourself. It’s easy to get caught up in buying pre-made foods including baked goods but you don’t need to. I no longer buy cookies for my family, I bake them myself. These days however my kids love to be in the kitchen with me so simple cookie recipes such as these almond peanut butter cookies are perfect for them to participate with me. Our son Wilson made the last batch of Almond Peanut Butter cookies all by himself and he […]

How To Test Budget A Mortgage Before Buying A Home : The Saturday Weekend Review #250

LIVE LIKE YOU OWN THE HOUSE BEFORE YOU BUYING   Think about the above statement for a moment and ask yourself how that may have changed your past or current budget before buying your home. You may find that had you created a test budget before that purchase you may have noticed that you shouldn’t have spent so much. Typically you wouldn’t hear me say anything about using a test budget because a budget is a budget, however there are times when pretending to budget comes in handy. Forget about the word pretend for a moment and consider the reasons why you would want to prepare a test budget and how it would benefit you as a potential homeowner. Can I afford the house Can I afford the house Can I afford the house   Start Young Finish Free   I often like to believe that anyone who starts learning about finance from a young age will have basic knowledge to make financial decisions that may not impact their lives the way someone who did not. This is why I urge parents to teach themselves about finance FIRST and pass that knowledge on to their kids. Even then there are […]

grocery game monthly challenge

How To Create An Organized Monthly Grocery List : The Grocery Game Challenge 2018 3/4 Feb 19-Mar 4

GROCERY SHOPPING REQUIRES PRECISION PLANNING FOR BEST RESULTS   I know that everyone has different planning strategies when it comes to preparing for a grocery shop however if you fall into the monthly grocery list category you know the importance of over-planning. One of the most asked grocery shopping questions I’ve gotten over the years apart from how much a grocery budget should be revolves around grocery lists. How do you make a grocery list that gets you in and out of the grocery store? How to create a grocery list for one, two, family of 4, or students? A basic grocery list is straight-forward but when weekly shopping turns into a monthly grocery list you’ve got a bit more work to do. I don’t know many people who like to spend more time than needed in the grocery store which is why a meal plan and simple weekly shopping list is ideal. The problem with this is that not everyone has an opportunity to make a weekly super-fly trip to the grocer. If this is you than you may find yourself planning a bi-weekly or even monthly grocery list which is far more work. Related: How monthly grocery shopping […]

How To Go Broke Quick In 5 Easy Steps : Our Net Worth Update Jan 2018 (+0.39%)

THE PURSUIT OF HAPPINESS STILL HAS TO PAY THE BILLS   If you want to learn the secrets about how you can go broke quick, I’ve got you covered. It’s not about wanting to earn more money it’s about understanding why you don’t have any. Often it’s easier to see outside a pane of broken glass than it is through a foggy window that seems like it will take forever to defrost. Instead of waiting some people decide to jump out the hole where others will wait for the heat. Why on earth would you want to read about how to go broke quick on a blog about frugal living and budgeting? One simple answer The only way up is making sure you’ve got a ladder that is on solid ground. This means understanding what NOT to do even if you think it’s financial common sense. You might be saying, “I don’t need to find out how to go broke quick, I am broke“. That’s fine and dandy but do you really understand what you got you to this point? I’m not talking about excuses either because those people you pay your bills to, don’t care. It really is painful […]

grocery game monthly challenge

5 Dollar-Wise Romantic Valentine’s Day Dinner Ideas : The Grocery Game Challenge 2018 #2 Feb 12-18

LEAVE THE DISHES FOR THE MORNING AND ENJOY A ROMANTIC VALENTINE’S DAY DINNER AT HOME WITH YOUR LOVED ONE   Valentine’s Day is around the corner and for those of you who want to surprise your loved one with a romantic dinner at home on a budget, I’ve got you covered. Mrs. CBB and I considered going out to a restaurant for Valentine’s Day dinner but once we factored in the costs we realized we’d get romantic at home instead. Romantic Dinner for two including dessert Bottle of wine or other bubbly Valentine’s Day flowers and other gifts Babysitting costs Server Tip Now that we are parents we tend to do more date-nights at home because we enjoy being in the kitchen creating meals together, it’s fun plus far less than eating out. Everything about Valentine’s Day is expensive as I’m sure we can all agree. By the time you buy Valentine’s Day flowers (Rose’s being the number one choice), romantic Valentine’s Day card and book reservations at your favourite restaurant you may be in for a pricey date-night.   Save and Splurge   If you are one of those people who would rather eat out at a restaurant for […]

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