Forcing your financial belief system never works

Financial Belief System

YOU HAVE TO BELIEVE IN SOMEONE   Someone always has a financial belief system that will change your life and believes that it will not only change their life but yours as well. Eventually you have to believe in someone, even if that someone is yourself. The pushy sellers will stop at nothing to try and change your mind by forcing their financial belief system on you but when it’s your money, it’s your decision. What is the definition of belief anyways? Simple, it’s what you as a person trust to be the true answer, having faith in something or someone or a proper way of doing something. At least that is what it means to me. In order for me to believe in something I have to trust the source. There is always risk no matter what you believe. When no one believes in your financial decisions what do you do? If no one believes in my way of thinking the answer is easy for me because I’ve never been one to follow the opinions of others unless I found them to be beneficial to me. Financial news lurks everywhere, online, on the radio, in print and at your […]

Not everything online is free for the taking: PF Weekly Grab a brew #59

red velvet cupcakes with oreo cream cheese frosting

ASK BEFORE YOU TAKE   Be careful what you post online because someone might just think they can use it for free. In fact, it’s true many people do share information online but fail to credit the original owner. Granted, mistakes happen. Could you imagine pouring your heart and soul into a work of art or a hobby of yours online only to have someone take it and use it to make a profit? They are making money… yes dollars off of your skill. I read somewhere once that if you have a skill and are good at it don’t do it for free. What happens if someone just takes it though? You go after them, that’s what you do. Is it worth it to you though? That’s your decision. So why is it ok that someone thinks they can take something that a skilled person created and posted online and use it to make money for themselves? Greed? Maybe.   Protect your stuff   It happens all the time and it’s why I always suggest to try to protect any work that you put online so you have proof that you are the original owner of that work. The […]

The best of Canadian Budget Binder 2013

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THE BEST IS YET TO COME   The 2013 year has gone by so fast and with 2014 looming around the corner I am looking forward to our third year here at Canadian Budget Binder. Over the past two years I have been met with many ups and downs here the biggest being re-designing the blog which took nearly a full year. Personal finance has been a passion of mine for many years now and it’s been wonderful learning about Canadian personal finance and reading what others have to say while sharing my personal insights and stories. I especially love to share fan stories because the blog is for the fans, this is what I’m here for, you. A huge positive for Canadian Budget Binder in 2013 was bringing Katrina and Nicola on board with me to share their insights and recipes. They are both my rock here and committed to helping others as much as I am and I thank them from the bottom of my heart. Although Canadian Budget Binder is all about personal finance we all have to eat and eating costs money. Food is a huge part of the success of this blog and it’s here […]

The Saturday Weekend Review #46: Gay lifestyle lands server no tip from customer

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TIPS MEAN MORE TO SOME THAN OTHERS In a typical setting tipping your server is not a requirement when you frequent a sit down restaurant rather it is at the discretion of the customer. Not everyone has spare money hanging around but they may want to go out for a meal once in a while to celebrate a special occasion or just because they deserve a night out. The budget is a place we save money for entertainment purposes but to be honest we never thought to factor in any tipping that we might do if we go to a restaurant. Although I’m not used to the ‘tip your server gratuity’ in Canada because it wasn’t so common back home for me I still do tip as long as I receive excellent service and personally I don’t care what they do in their spare time as it’s not my business. I wouldn’t tip just because I felt I had to nor would I feel the need to explain why I wouldn’t leave a tip so I was a bit turned off when I read this new article on Yahoo this morning about a New Jersey woman server Dana Morales a […]

The Saturday weekend review #38: Dream big and have faith

  Never Underestimate The Power of Your Dreams If you’ve ever had a big dream and I know you have then you know how easy it is to give up on that dream when you lack confidence and faith. Sometimes when we are alone we sit and think about all the things we want to do with our life but never really do much about what ends up on our bucket list. I hope to change that about me and I did starting with this blog almost 2 years ago. This blog started with a small dream to make it a place where people came to learn about personal finance and to share their success and lessons learned in their life. I know if you are a personal finance blogger you can probably count how many times you wanted to throw in the towel because you can’t justify the time you spend blogging or you just lose faith in your ability to grow your audience. I’ve been there many times but with that push from my fans like I mentioned in yesterday’s post I’m still here today. I’m getting ready to embark on the next phase of Canadian Budget Binder […]

PF Weekly grab a brew #36: Don’t throw money at Tim Hortons cashiers

Don’t Mess With My Coffee Or Else That’s right, if you throw money at a cashier you might land yourself in a court room waiting for a judge to read your demise like unhappy Roy Gilmore in New Brunswick, Canada. Just when you thought you couldn’t give money away when you just throw it at someone practically giving it away you get slammed for it. The Crown is asking for jail time for Gilmore who was upset while trying to scrounge up the amount he owed for his medium coffee at Tim Horton’s but was short $0.11. He got angry because he felt for all the times he had left tips for the cashiers that they could at least help him out and let him off the $0.11 for the coffee. Apparently the cashier Katelyn Blair would not give him his coffee. You don’t pay, you don’t get it and that is what it all boiled down to. Alternatively I don’t read anything about um… maybe getting a small coffee instead of a medium lol as it does cost less. It’s lovely every once in a while when we hear those pay it forward type stories because the good in […]

The Saturday Weekend Review #34: Canadian mortgage rates on the rise

Mortgage Rates Going Up Again They say nothing lasts forever but it should come as no surprise to Canadians when they read that mortgage rates are on the rise. This rise apparently may have a negative impact on the Canadian housing market but I’m going to sit back and see how far they are willing to take this and how many Canadians are still ready to buy. Still, I believe many Canadians are on the fence about whether they should rent vs buy because of their debt load and inability to save up as much as they want or need for a down payment. I know we have friends who aren’t sure what to do because they are still saving up for their down-payment. Owning a home is great but with it comes along plenty of work and upkeep that a new homeowner must be prepared for with time and finances. I see more Canadians reaching out for help when it comes to setting up a budget, grocery shopping and just generally want to get out of debt so they can buy a home or life a debt-free lifestyle. My hope is that with all the information available to people […]

PF Weekly Grab A Brew #25:The Box by No Frills a smaller discount-store experience

Loblaws Ready To Help Canadians Save More  A few weeks ago Calgary got its first taste of a smaller discount-store experience with the opening of The Box a No Frills store. From reading the CBC article the new store stands at 10,000 sq ft compared to the big daddy No Frills stores at 25,000 sq ft. My understanding is that Loblaws which is Canada’s biggest grocer is testing out a smaller version of the larger No Frills stores to see if it meets the consumers needs in urban areas. I’m betting consumers will put this new store to the test wanting discounts and low prices just like they do any other store. It’s not going to be any different for those who want to save money so if the prices aren’t right they might just head else-where. What is an Urban area in Canada?  According to Statistics Canada, an urban area in Canada is an area with a population of at least 1,000 people where the density is no fewer than 400 persons per square km.- Wikipedia Loblaws already has over 1000 grocery stores from coast to coast but changing up the retail space and paring down what they sell might make a difference […]