How To Create A Simple Budget Organizer : Our January 2017 Budget Update

IF YOU ARE DETERMINED ABOUT GETTING OUT OF DEBT GET SERIOUS ABOUT THE WAY YOU BUDGET.   Your budget relies on you to report the financial information needed to ensure it balances at the end of the month. Having a budget organizer should be an important step on your to-do list when you begin to budget your money. I’ve never really shared what our budget organizer looks like on Canadian Budget Binder so today I will give you insight into our budget office. I briefly described what we’ve used in the past as our Budget Binder although we’ve since swapped over to a colourful blue sleek portfolio. Colour does matter when you choose a budget organizer. Think happy colours such as green, blue and yellow. You could be using the best budget app or budget spreadsheet available but if you aren’t keeping your documents stored in a budget organizer you’re failing before you begin. Not only is there potential to lose important documents you’re going to be tearing your desk or house apart looking for them. Even worse, you miss the expense and can’t balance your budget. As Mara points out below in her email to me she is wasting […]

15 Frugal Ways To Stock Children’s Books For Your Home Library

READING IS ABSORBING INFORMATION THAT YOU CAN’T GIVE BACK   Reading DOES matter in a child’s life and should start the minute they can look into your eyes, listen with their ears or touch with their hands. We began reading to our son shortly after he came home from the hospital. Not only that but we began to play soft music throughout the day like my wife did when he was in her tummy. That might sound daft to some people but for a baby hearing their parents voice talking to them is soothing and what better way to begin than by reading a book.   Children’s Books can be expensive   Have you ever seen the prices on brand new books that have never been cracked open? Some of the prices are mind-blowing especially on children’s books. Next time you’re in a book store or if you have any children’s books at home flip them over or look in the front cover to check for prices. Shoppers who pay full retail price for children’s books only do so because they really, really want it. Sometimes it’s hard to resist those cute books that you know your son or daughter […]

grocery game monthly challenge

Must-Have Kitchen Tools For The Home Chef On A Budget : The Grocery Game Challenge 2016 #3 Mar 21-27

FROST YOUR KITCHEN WITH THE RIGHT TOOLS   There are some pretty cool kitchen tools on the market but most often they are a waste of money because they are valuable in the moment but then fade away deep into the back of a kitchen cupboard. You all know what I’m talking about because you likely have some of those kitchen tools you’ve forgotten all about screaming to be used. I know we do. Under the cupboard we have an apple corer, grilled cheese machine, Pampered Chef cheese grater and I’m sure I could find a few more if I left the computer now and had a look, but you get the point. One of these days I’ll be the one selling these kitchen tools on Kijiji because I’m sure there will be a buyer out there looking for these items that will complete their kitchen gadget list. Some of you might dig this All Ware Stainless Steel Pineapple Easy Slicer and De-Corer kitchen tool but for others it’s just another expensive addition to the kitchen that will likely collect dust. The original price is $28.95 but if you are certain it will add value to your kitchen tools list […]

Christmas Shopping: Online or In-store?

SHOPPING OPTIONS ARE ENDLESS THIS HOLIDAY SEASON Did you know there are only 40 shopping days left until Christmas? With Christmas being not too far away the rush to get one’s Christmas shopping finished begins. Whether you plan to pack your suitcase full of gifts and jet off on holidays to see the family or shop right at home you can easily access shopping at your fingertips without stepping  foot out the door. While some people prefer to shop only in stores there are many people who will choose to do the majority if not all of their shopping online. Tablets, smartphones and free wi-fi access offered in places like Tim Hortons and McDonald’s, have made online shopping even more convenient than just being able to shop from the comfort of your home. Though convenient, online shopping may not always be the best the choice when it comes to your finances and your Christmas budget.   Online shopping   Online shopping allows you to shop from the comfort of your home or really anywhere you are able to gain online access. Shopping online you avoid having to deal with overworked sales people, waiting in long lineups or having to drive […]