grocery game monthly challenge

The Grocery Game Challenge #12 March 18-24,2013- Pass The Salt Please!

  How much salt do you consume on a daily basis in your diet? If it’s more than 1500 mg a day you may want to start learning more about sodium and how much you are shaking on your food, putting in you meals and purchasing in pre-made foods. It’s something we don’t normally think about when we buy food but after watching this past weeks Marketplace episode “What’s On Your Plate” things changed. While at the supermarket we started investigating labels ourselves. Needless to say the wife and I were shocked when we turned labels over and started doing the maths. We literally walked up and down the cracker and pasta aisle reading labels and trying to make sense of it all. After watching the show we concluded that we likely have far more salt than we need in our diet and hope to make some changes. Sometimes it’s television shows like this that really open our eyes to what most of us tend to just “forget” or pretend to hear. If you are not sure about your sodium level head over to Marketplace and test your plate for sodium with their interactive sodium calculator, I bet you will be surprised.  It’s […]

Mr.CBB’s Personal Finance Reading List #7 Air Fare Wars~ Air Canada Price Guarantee!

From Storage Wars to Product Price Wars and now to Air Fare Wars with Air Canada heating up the runway with a promise of an Air Fare Price Guarantee. Yes you heard that right and Air Canada is communicating this to its price savvy customers stating that if they book online they WILL get the BEST price Guaranteed. So, after you book and purchase your ticket “if you find a cheaper price for the same flight, itinerary and fare brand on another Canadian website Air Canada will give you a travel credit $50 plus the difference in the air fare costs”  according to Ben Smith, Air Canada’s chief commercial officer. Wow, I’m impressed although West Jet has something similar promising the lowest prices. This reminds me of the Canadian Tire Price Match Guarantee where they will not only match the price but give you 10% back in Canadian Tire Money to spend in the store. I know I’ve always plotted my purchases around these perks and will continue to do so as long as they are available. I don’t know what it is any more but every where we look competition gets hotter and options just keep getting better although every dollar counts when it comes to saving. […]

Three Best Things About Being Single When It Comes To Money

A year ago I would have never pictured myself as being a single mother. I’m sure no married mother actually pictures herself on her own raising her children. But life happens and there are just some things that we will never be able to change. Being single isn’t all that bad; there are actually many perks and being able to make your own personal financial decisions is one of them The three best things about being single for me when it comes to money are….. 1.)    You Can Make Your Own  Financial Plans. My ex-husband and I disagreed a lot when it came to managing our money. While he did let me have most of the control over the cheque book, he would often make comments like “I will work until the day I die.” Of course me being a personal finance junkie would just feel my eyes roll into the back of my head every time I heard this. Well of course, without a plan and some savings you will work until the day you die. I can now organize my game plan without having to beg somebody to jump on board. What I can Do Being Single…. If I […]

Mr.CBB’s Festive Coconut Balls

These Festive Coconut Balls also called snowballs for some are part of our family tradition each year. Just before the Holidays arrive we load up the kitchen with baking ingredients and get to work. If you like coconut cookies or better yet chocolate coconut cookies you will love these coconut balls. The great thing about these treats are not only are they cheap to make they are an easy no-bake coconut balls recipe. So no need to turn on the oven to heat up the house and send your smart meter into overdrive.  If there is one thing I like in the kitchen it is no bake recipes or no bake foods which keeps it simple, at least for me.  Just last week we whipped up a few batches of no-bake chocolate peanut butter balls but we have to hide them because they are so popular around here. All you need is a double boiler or a pot and a stainless steel bowl and you are ready to make these elegant treats flavoured with a sweet condensed milk. You can wrap these chocolate coconut balls up for friends and family or place in the centre of a table for your holiday guests. […]

grocery game monthly challenge

The Grocery Game Challenge Dec 10-16, 2012 -2 Weeks Until Christmas!

The Grocery Game Challenge is drawing to a close for 2012 and Christmas festivities are about to begin in 2 weeks time. What a year it has been for all who have joined in to post their grocery shops with us. I’ve heard so many great stories from all of you about how some of you have lowered your grocery budget and have made better choices when grocery shopping. Others were able to stick to their budget and continue to strive and set goals for 2013. As the next couple weeks roll in and the festivities start to come to a high this challenge will still be posted so please check in or subscribe to the blog so you don’t miss posting your shop. If you haven’t had a chance please read a guest post I wrote for my mate John at Frugal Rules titled 10 Ways to Stretch Your Grocery Budget. It really does showcase all the tips we’ve learned this year from all of you and from understanding our shopping habits. When the New Year comes in I will be posting a brand new year of The Grocery Game Challenge and this is the perfect time to join because […]

Bank Sales In Canada ….. Not The Same As Bank Foreclosures In The U.S.A

Since the economy took a turn for the worst, I have been inundated with requests for “bank sale” properties. A common misconception seems to exist where people assume that banks are basically giving away properties that are being foreclosed on, much like we see with the fire sale of properties in the U.S. So, what is a “Bank Sale”? Basically when someone cannot meet their obligation to the bank/lender, the institution that they have financed their home through will begin a process to take the home away from the owner. This can be a fairly lengthy process and in some cases will ultimately end up with the bank or lender selling the home to try and recoup their losses. While it is always possible to find a good deal in today’s housing market, it isn’t common for it to be a bank owned property. The rules and regulations that govern the Canadian banking system are far more stringent than the U.S equivalents (I use that term loosely, as they barely had any rules or regulations). Obviously if someone defaults on their home financing (mortgage, line of credit) the bank would like to get that bad debt off of their books. […]

CBB Net Worth Update~November 2012

I can’t believe November has come and gone so quickly, now it’s time to get into the festive mode and thinking about our yearly goals for 2013. By posting our CBB Family Net Worth and Budget Update once a month here is a means to motivate ourselves to continue down our financial path. We are a Canadian couple who make an average salary and want to know where we stand each month. We want others to know that you don’t have to make 6 figures to have a Net Worth. There’s no race to the finish line because no one really knows where that line is. You could die tomorrow or you may live until you are 110 years old. What does Individual Net Worth mean? Net Worth is a snap shot of your financial health sort of like a picture. It’s a total of the value of your assets minus your liabilities. Posting our financial numbers is about showing others how budgeting has worked for us. Who’s the Man behind Canadian Budget Binder? My name is Mr. CBB and I’m the frugal guy that does all the talking around here. Yes, some women think Frugal Men are Sexy and I’m here to show you how to spot one! Well not really but I’m sure you will […]

The Saturday Weekend Review #7 December

Mr.CBB’s  Saturday Weekend Review I didn’t get myself into any trouble this week although I haven’t made my way in to the kitchen for my Christmas Baking Marathon yet. The fun will all start today when we start baking 1 of 4 easy Christmas cookie recipes and I will share them every Sunday on the Blog in December. I suppose since the snow has decided to make its way to Ontario it’s time to swap vehicles. This always takes a day or so for me to sort out with insurance, e-test and getting a new sticker. Money, Money, Money everyone wants money. Pain in the ass if you ask me but hey I’m just a newbie! Time to put away my love machine for another season and take out the winter tank destroyer. Do you store your vehicle for the winter and bring out a winter beater? What’s Been Happening at Canadian Budget Binder Well, what hasn’t been happening. I’ve been guest posting all over the shop so if you start seeing posts I wrote for some awesome blogs go ahead and give them a read. It’s not often I write so many in one month but November took me […]