Forcing your financial belief system never works



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 front your door even on your telephone.

Everyone hopes they are doing right by their own finances but are we really? If you find yourself struggling to stay afloat then maybe it’s time to search out alternate ways to get back on track financially.

If you tell people you are struggling they may offer you advice and say their way is the only way or suggest ways for you to save money. Believe what you want.

They say to always have a back-up plan in life because you never know what can happen. An emergency savings will only get you so far. Unless of course your savings includes many zero’s. It’s great to have an income source coming in from more than one place.


Financial decision-making


Sure there are times we will question what we are doing financially and we should. Never has there been a time where I’ve jumped into making financial decisions without doing a bit of research and getting opinions from financial experts that I trust.

The fact of the matter is nothing is for certain when it comes to investing but trends and statistics are what keep us going.

My parents for example invested their money in real estate and said it was the best investments they’d ever made. That was their belief system back in the day and it still is today.

We plan to do the same one day if we can save up enough for a down-payment on a second home. Of course it won’t be our only plan of action towards senior life living like my parents.

Once our mortgage is paid we also want to focus more on our investments as catching up is a place we need to be at.


Hiding money


These days many people are scared to hand over their money to anyone so it stays at home hiding under a mattress, in a drawer or in a closet in a box. You’d be surprised if people came forward to tell you where they stash money around the house.

That’s probably why we hear these stories of people finding thousands of dollars in items they bought used at a thrift store or while at a garage sale.

People forget where they stash their money or someone might pass away and you know, forget to mention that they hid $100,000 in the back of a book.

I believe the reason for this is because it’s their financial beliefs that their money should be saved this way. You can’t change their minds.




My parents are living an early retirement now always on vacation for weeks at a time and life is good. Best part is those houses they bought years ago and are paid off keep paying them every single month.

Some people may shun the investing in houses for your retirement theory but clearly it’s working for some people.

Many successful millionaires are where they are because they took chances listening to a financial belief system they trusted because they felt they had enough evidence to support their decisions.

On the other hand bad business deals have led to some people losing their life savings because they put all of their eggs in one basket. Remember that some people are good talkers and can sell anything to anyone. If it’s too good to be true it may be.


Financial belief system


When we said that we were going to pay our mortgage off in full rather than invest the money there were countless comments and emails about why we would make that decision.

I’m going to write a more detailed post on that soon but the short of it is, because it’s what makes us happy. It’s part of our financial belief system to get us where we want to be.

When you know a sure thing like your interest rate, you can’t go wrong in my opinion. Try and tell me what investments will make you money 100% without a doubt and I’d still be skeptical, but that’s just me.

There’s something about concrete that sounds better to some than variable does to others. Risk, you bet but I pick and choose where that risk gets laid because it’s our money and our financial beliefs.

When people don’t believe in how you spend your money you don’t have to tell them anything. In fact that’s just another reason why I never talk about our money let alone what we have because for some it turns into a financial debate that is never-ending.

Don’t get me wrong I love chatting about finances but talking about what’s in my own bank account with friends and strangers is not my cup of tea.

I never try to force my financial beliefs on anyone although I do enjoy listening to what others do or have to say. That’s part of the learning process in my opinion.

On many occasions we’ve had friends ask us why we chose to shop at thrift stores like I mentioned in yesterday’s post and the answer has nothing to do with what people think.

Just because people may have money doesn’t mean they should run out and blow it at the first available moment.

You see, we all have our own financial beliefs and no matter how hard you try you can never force those beliefs on anyone.


Investing beliefs


I follow many personal finance blogs and I read many blog posts during the week. I take every post I read seriously but if I was to follow a certain financial path that someone else had tried I’d certainly do my homework.

My friend Mark at My Own Advisor is doing an amazing job with his investments and reaching his dividend income goals.

Anyone would want to know his secrets and even if he told you, you’d have to do your own homework. Mark has a large following of fans and for good reason because he’s showing them how his investments are working for him.

It’s his belief system that tells him that once he reaches a certain point he will reach his personal financial goals. I believe he will get there.

I’m sure Mark has spent countless hours learning about investments and made money and lost money because it’s all about risk but I can bet you he won’t do something with his investments just because someone said so. You have to realize that money and risk go hand in hand in anything you choose to do with it.


Behind closed doors


What works for one person might not work for you. Just because your grocery budget for 5 people is $600 and for another family it’s $900 we can’t judge each family because they may be shopping according to their own financial and health needs.

We don’t know what lurks in someone’s financial health. Just because you see what’s on the surface certainly doesn’t mean that’s the light in the background.

We’ve talked about The Millionaire Next Door and my other friend Mark from Money Saving Dude did a great review on the book. Just because your neighbour drives a beat up car and doesn’t dress the best doesn’t mean they don’t have money.

I’ve been subjected to people treating me differently because they see or hear where I shop yet I may just have more in the bank than they do. Does it really matter? Not really.


Work from home


What is a blog? You’re reading a blog right now. It’s a place where someone or many people share their beliefs about a certain topic or many topics.

What about if you want to give up your full-time job like Holly from Club Thrifty, Pauline from Reach Financial Independence, Michelle from Making Sense of Cents or my good friend John from Frugal Rules to pursue your work from home dreams?

They all run blogs and are good at what they do. Not all blogs are successful though and to make money be prepared for blood, sweat and tears.

You will always be met with opposition but if your financial belief system tells that you can make it, then go for it. Giving up a steady income for the unknown might be hard to do but many people have succeeded but it’s not for the faint of heart.

It’s hard work if you work from home because you are now fending for yourself. Nothing anyone says will stop you.

You only have to look at some of the incomes that these bloggers bring in from freelancing (those that share their numbers) to know they know what they are doing.

That’s why I say you should never worry about what others are doing and focus on your own financial health.




If you want to make positive changes to your finances finding someone you trust is a good start. Just because I say to use a budget doesn’t mean it will work for you like it does for us. Budgeting is part of our financial beliefs and has gotten us over the hump towards debt freedom.

Sure you can try it out but if you don’t give the budget your 100% effort like we do you will not succeed and say you hate budgeting. Boo on you, but I won’t judge you because I worry about my family first.

If budgeting is not your thing then I hope that you find something suitable to get your finances beliefs on track.

Saving money isn’t rocket science but investing your money takes a skill and a risk tolerance some people aren’t willing to take.

That’s the way you roll and I can’t change that. Only you can. So the next time someone tries to force their financial beliefs on you saying that you must or should do something, figure it out for yourself.

You might even catch me telling you should do something but like anything do your research and know what you want from of the outcome.


Your life


Never judge someone because of the way they choose to spend their money because you can’t change them. Their belief system is their own and in the end they are the final judge.

You might see someone who spends their money eating out every single day and blowing money on crap but you can’t make miracles happen for them.

What I’ve learned is you can listen and if they ask questions you can answer but you can never change someone.

Sometimes hitting rock bottom, get laid off or fired, losing everything and going bankrupt is the only wake-up call some people will need before their ears are open. Even then your financial beliefs may not be a right fit for everyone.

Have you ever had someone say that it takes too much time to cook so I just eat out?

If they believe it takes too much time you can’t change that they don’t want to cook nor that they are spending more money eating out than eating in.

You can argue all you want with someone why they should buy a name brand product rather than buying a no-name brand but if that’s all they can afford who are you to judge? Maybe they like the no-name product over the name brand.

The fact of the matter here is that if you could open the door to someone’s life you will find their financial health to be different from your own.

You may find some people who are similar but it’s rare to find someone who thinks and acts just like you do.

So, the next time you want to dish out your financial belief system to someone just remember that whatever they choose to do depends on how they view the outcome for their own life.

Have you ever had someone try to convince you that your financial beliefs were wrong? How did you handle that? Did you make changes to your finances? How did that work out for you?



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

grab-a-brew-online-reviewASK 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 same goes for recording artists or people who write and sing their own songs but aren’t famous. Protect your work.

Many photographers for example post photos online and for the most part people don’t know and take photos and use them for their own purpose. Especially on Facebook if the photographer is an amateur or isn’t a professional photographer and does it as a hobby.

That means they didn’t plan to make any money from their photos but someone else might have the bright idea to take that photo and do just that, because they think they can.

Sometimes they even say that they took the photos themselves and take the credit for the work, that is wrong.  You don’t need me to tell you that but what I do suggest is to try to protect what you own online so no one knicks it, in other words steals it.


Making others rich


When reading Yahoo Finance news like I do every Friday morning I was intrigued by an article that spoke of a an artist Kal Barteski from Winnipeg who runs an online website where she shares her art work.

Online marketing of your work is a great way to network and make a name for yourself. Eventually someone may want to pay for your work and that is essentially the name of the game for many artists online.

A friend of hers who was shopping and clearly knew all of her work spotted a handbag at a J.C Penny shop in Florida with a photo on it that was identical to her friends art work.

She took a photo and sent it off to her friend who hoped it was a copy but discovered it was not. This happens all the time and most times artists don’t know their work is stolen and used to make a profit.

How do you protect yourself and your online work from being used to make money? You should be making the money or least a profit in the deal shouldn’t you?

Not everyone is smart enough to know the ins and outs of what you can and can’t use from the internet but generally speaking if it’s not yours ask if you can use it and at least share who the owner of the photo is and or link back to them.

You can watermark your online work for free at PicMarkr and many programs can watermark but even that can get snipped off.

It’s best to slam the watermark right in the centre of your photo if you can without compromising the look of the photo. Normally I just use the bottom left or right but lately have seen others putting it right in the centre of the photo.

Personally, I don’t like to see the watermark in the middle but if you can hide it well it might not be that bad. Always having the original of your work helps so keep a copy of everything you own.

The artist tracked down the company in Montreal, The Aldo Group which many know of the Aldo store in many malls among other names offered her a payout for using the artwork without her permission.

I agree though that many people who are active online have no idea when they take things for their own use that it’s wrong.

Many people might laugh at that and say it’s common sense but we all know what’s common to one person isn’t to another.

What I was told when I started blogging was to add a copyright/disclaimer to my blog telling people they can’t take my personal photos or my work to use without my permission although not everyone reads the fine print.

How many times have we talked about the fine print here at CBB on a number of issues and it’s reality that many people don’t spend the time to learn about what they can and can’t do especially when they sign on the dotted line.

In the end Kal got her point across and it made some waves online and hopefully it sends the message to people to ask before you take because not everything online is free.

If you do make an error, correct that error immediately and credit the person before you end up in a lawsuit that you might struggle to win.

Happy Valentine’s Day everyone!



Top recipe


red velvet cupcakes with oreo cream cheese frosting

If you don’t already know I have a second Facebook page online called The Free Recipe Depot where I share recipes from other Foodie Bloggers from around the world. Once a week I pick one recipe that has been submitted as my Top Recipe of the week

This week that recipe goes to Jamie Sherman who runs the online foodie blog called “Love Bakes Good Cakes” where she shared these beautiful Red Velvet Cupcakes with an Oreo Cream cheese Frosting for Valentine’s Day. Enjoy!


Weekly CBB posts


If you missed any CBB posts from the week here is the list of posts you can catch up on reading!


Weekly reads


Every week I share a few of the best personal finance blog posts that I read online over the past week with all of you so please enjoy my top picks.

Plcanadian-finance-blogs-2014ease VOTE!- Canadian Budget Binder… it takes a second!

It’s that time of year again where Jeremy over at Modest Money is holding his Top Canadian Finance Blogger 2014 Poll again. Please if you are a fan head over and VOTE Canadian Budget Binder~

All the rules are in his post. It’s a simple vote though. Thank-you in advance to all of you that do vote for this small personal finance blog that brings Canadians together like family to talk about issues that are near and dear.

Well, that’s a wrap for this Friday’s grab a brew #59 so happy budgeting and I’ll see you here again next week when I do it all over again.



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The best of Canadian Budget Binder 2013

The-best-Canadian-Budget-Binder-2013THE 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 to stay. The Grocery Game Challenge 2013 in my eyes was a huge success in 2013. We have many fans that post their grocery shop every week, faithfully and track their grocery budget along with us.

I am thrilled to have so many fans dedicated to their personal finance and hope in 2014 to get more fans on board posting their shops with us.

I love sharing ways to save money in the grocery budget and experimenting with new recipes from scratch while keeping the costs low in the budget.

I was even able to complete a full Free recipe index on the blog to make it easier to find all of the popular recipes that are posted every Sunday.

The blog re-design was a success finishing up near the end of September and I absolutely love the way it turned out. I hope to see this blog continue on the upswing as it has since it has begun.

What I love about the new blog design is that it allows me to create recipes that my fans can save and print for their own use which was something the fans were asking for and now I know why. It’s a simple feature that keeps recipes organized for anyone wanting to use them.

I went on to create a new Facebook page called The Free Recipe Depot where I showcase other Foodie Bloggers and fan recipes along with Canadian Budget Binder recipes every single day.

That page has grown to over 1000 Likes in a very short amount of time and I know it will keep on growing. Word of mouth advertising and free advertising is a great way to help each other out and that is my way of giving back to the foodie community and foodie lovers like me.


The fans


I started the blog not thinking that anyone would want to listen to what I had to say although I am an optimist my persistence and positive attitude towards the good and the bad has led to having thousands of fans.

I’ve come to realize that not everything we want in life will come easy but if we push through those hurdles people will see your dedication and they will want to join in and help others along for the ride.

I’ve said it a million times but my fans.. they are amazing. I couldn’t ask for a better crowd of fans who aren’t shy to give their honest opinions and to help me when I’m in need, so thank-you..


The bloggers


I’ve also been fortunate to connect with many new personal finance bloggers in 2013 and it’s been great getting to know them.

I’ve been doing my best to try and feature as many of my favourite blogs in the Saturday Weekend Review post for my Making a Difference section in hopes that my fans will give their blogs a read as well.

If you would like to be featured and you own a personal finance blog that I follow please contact me today.

Thank-you to all my personal finance blogger and non-personal finance bloggers for all your continued support over the year and moving forward into 2014. You can expect the same support from this guy.

Today’s post I wanted to keep it simple and share with you the Top 10 Blog posts for 2013 here at Canadian Budget Binder. I hope you enjoy your New Years Bash…. and set goals for 2014 and work hard at sticking with them, I know I will be.


Top ten blog posts 2013


These are in no specific order…..

  1. Scanning Code of Practice (SCOP) In Canada…. Did you know?
  2. How much should your grocery budget be?
  3. Dollar store pregnancy tests… do they work?
  4. Free Downloadable Money Saving Tools
  5. Canadian Law: Jury duty can take it’s toll on your budget
  6. How I paid off my OSAP loan fast
  7. Easy Chicken Curry in a Hurry
  8. The best seasoned crispy sweet potato fries
  9. Haggling the best deal with your communications company
  10. The Grocery Game Challenge Rules


Top social media


  1. Pinterest
  2. Facebook
  3. Twitter
  4. Stumble Upon


Top referring blogs


  1. Frugal Rules
  2. Modest Money
  3. Coupon Christine
  4. The Frugal Farmer
  5. My Own Advisor
  6. The Brighter Life
  7. I Heart Budgets
  8. Lil Suburban Homestead
  9. Simply Frugal


Top searched words


  1. Canadian Budget Binder
  2. Grocery Game Challenge
  3. Scanning code of practice
  4. Dollar store home pregnancy test
  5. Simple chicken curry recipe
  6. Garage Sale
  7. Budget spreadsheet
  8. Budget Binder
  9. Frugal living Canada
  10. Lemon Fridge Cake

Thank you all for your continued support here at Canadian Budget Binder and I hope to see the new year bring lots of new changes for all of us.

Happy New Year 2014 to all!

-xo Mr.CBB




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

coffee-cup-restaurant-tip-server 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 former US Marine who is gay and was not left a tip based on her sexual orientation from customers that she served.

What is sexual discrimination?

Sexual discrimination is discrimination based on sexual orientation essentially prejudice based on a persons sex or discrimination based on beliefs of someone’s sexual orientation. This is what it means to me but there are many definitions out there.

My feelings about this is that if you don’t agree with the way someone lives their life then keep it to yourself.

There was no reason that the customer needed to say anything to the server if they didn’t want to leave a tip as it is not mandatory to leave a tip in the first place, it’s only a courtesy for excellent service.

The fact that they went out of their way to make it clear that they did not agree with her being gay just goes to show us that hatred is never alone it follows people because they allow it to cripple their minds.

We would all be in a better place if we just focused on our own happiness rather than criticizing others lives.

Sexual orientation discrimination in the workplace happens all the time and to be honest I don’t know why so many people waste their time on things they cannot change nor should they bother with what others do with their private life.

There is a fine line when it comes to discrimination and in the workplace there should be a clear policy posted for all employees who should sign off they agree and understand it will not be tolerated.

Many people who do get harassed or discriminated against tend to keep it to themselves for fear of reprisal but people shouldn’t have to search for job openings at gay friendly companies as we should all be treated as equals. Is there such a thing anyways?

I don’t know what laws are in the USA when it comes to discrimination but I know in Canada that it is not tolerated and Human Resources don’t take reports of it lightly.

There is no bullying and harassment policy posted for customers and the best a restaurant owner can do is politely ask someone to leave or call for police back up based on the situation they are facing which is different in all cases and must be handled with the utmost of care because the establishments name is on the line.

I’m sure there have been many incidents when things have gotten out of hand and someone has had to step in. When I read what the customer wrote on the receipt it made me wonder how people can be so cruel to others when it’s simply not needed.

“I’m sorry but I cannot tip because I don’t agree with your lifestyle and how you live your life,” reads the receipt posted to the non-profit group Have A Gay Day‘s Facebook page.

Just like the owner of the restaurant was proud of the way she handled the situation anyone who is faced with any type of discrimination in the workplace should not throw stones rather be the stronger person and do the right thing.

She was polite and would serve them again if they came back into the restaurant and that is the way it should be only because I feel when we let other people have control over our emotions we give up the right to be who we want to be.

We are always going to be faced with rude people in this world but like I always say, smile and the world smiles back at your or smile and if you piss them off well so be it.

Sexual discrimination based on sexual orientation is not new and is a big problem not only in Canada but around the world more so in the workplace but in everyday dealings with people in general.

I simply don’t understand why we continue to battle the forces that are before us instead of embracing change in this world.

This world would be a better place if we only focused on matters that are more important rather than who is sleeping with who and what their sexual orientation is.

What are your thoughts on this situation? Share them in the comments below.


Canadian Budget Binder this week



CBB at home and the blog


As you all know I was away for a week this past week so it’s been quiet around the blog. I’ve found that it’s slowed down this time of year but I’m grateful for my fans who pop around every day to read my posts and comment to share their insights.

I’m working hard at winding down the 2013 year hoping to make some changes to the way the blog is run for the 2014 year so I look forward to some new challenges for me starting off my third year of blogging at Canadian Budget Binder.

At home I am trying my hand at keeping the radicchio going over the winter so we have fresh lettuce during the cold season. So far so good and it seems to enjoy the sunshine that it gets every single day and the pot that it lives in seems to be holding up quite well.

Radicchio is a pricey lettuce that you can purchase in the grocery store up to $4.99lb so if I can keep this up all winter I’ll be a happy guy.

Other than that with Christmas creeping up on us we will be out doing some Christmas shopping but we are hoping that Shoppers Drug Mart does their Mega Redemption this year so we can do a couple of redemption that we have been saving points up for.

We noticed that they now have tablets for sale in the electronics department so we may have to look into that for a potential gift in our holiday gift exchange for the family.

I will also be getting outside to switch the winter tires on the vehicles and put up the Christmas decorations outside before the snow approaches.

How has your week been going?


Fan deals of the week


Submit your Brag

If you have a brag that you want me to share email me at canadianbudgetbinder (@) [yahoo] [.ca] by Friday each week to have your brag considered for the Saturday post.

Mr CBB… here are my scores this week.

The eggs are a great price, 2 for 1 hams is good but the produce at Wal-mart was amazing!!! I thought I did really well for a grand total of $73.10. As usual…I was shopping the sales and only used one coupon.   

Mary F. Campbell

Safeway – Maple Ridge

3 dozen Lucerne eggs ($8.97-$4.98 Loyalty Savings) = $3.99

Not only did I get in on the sale but we also picked up a rain check for another 3 dozen eggs @ $3.99! Yippee!!!

•Total OOP:  $3.99

Save On Foods – Maple Ridge

2 Maple Leaf Hams ($29.98-$14.99 Coupon) = $14.99

•Total OOP:  $14.99

Thrifty Foods – Maple Ridge

2 Island Farms Yogurt (2 for $5.00)= $5.00
2 Island Farms Cottage Cheese $4.49 ea
4 Avocados (2 for $3) = $6.00
2 Cauliflower (2 for $5.00) = $5.00
5 Lemons (5 for $2.00) = $2.00
5 Limes (5 for $2.00) = $2.00
1 bunch spinach $1.29

•Total OOP:  $30.27

Thanks Mary for sharing your brag of the week with us. We know you are an amazing shopper and we can all learn something new from each other.


Making a difference


Hi CBB fans!

I’m Daisy and I am the finance and lifestyle blogger behind When Life Gives You Lemons, Add Vodka.

I started blogging in 2010 on When Life Gives You Lemons, as a way to document my financial struggles as I put myself through college.

I had just quit my retail job, and moved four hours away from my hometown with my then boyfriend (now fiance) to work toward getting my degree.

Where I grew up there was, and still is, very little opportunity for business majors like me. I wanted to move to a larger city to get some work experience, earn my degree at a school that would allow me to apply my skills practically, and set down some roots.

What I try to convey with both of my blogs is that you can work your way out of, or into any situation that you would like.

I tripled my income in three years and now am a 24-year-old professional and member of a DINK couple (dual income no kids).

I was not doing good financially when I moved, but in the past four years I’ve secured a great job, started saving for retirement, saved up a ton of money and used it as a down payment on our house, and have begun investing.

I’m only getting richer every year and my passion is to empower young women (and men!) to better themselves financially, in health, and in outlook (though I admit I struggle with the same thing).

Even when life throws you curveballs, there’s always a bright side, and that’s where the vodka comes in. I try to bring a little motivation to my reader’s days by sharing my own struggles and successes.

Let me know if it wasn’t what you had in mind!


Blog post sharing


I really appreciate when other blog owners recognize my hard work at Canadian Budget Binder and share my posts with their fans or even mention my blog on their blog or website.

Here are the blogs that did just that this past week, so please head over and check them out. If I’m missing you it’s because I didn’t get a ping back so please send me an email and I’ll add you next Saturday.


Carnival Glory



Every week I get thousands of people visit Canadian Budget Binder because they did a search online and found my blog. Here are a few of my favorite searches that may have even brought you here and you’re reading this, right now.

  • I feel pregnant but dollar store hpt tells me no- Time to visit the doctor I think
  • How to get rid of $100, 000- Sweep it up
  • Is being a shopoholic truly an addiction?- I would say so
  • Frugal is sexy- You better believe it …wink
  • Liking a man with money- It won’t work when it’s just based around money
  • Hate me and see if I care- hmmm




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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 moving to self-hosted with a new fresh look and hopefully I can spread the word louder than I have. We don’t always dream about making money, sometimes it’s just an inner peace we crave where we feel we are making a difference in this world.

Others, they like to make money and blogging is certainly an outlet that you can earn some extra cash but it all takes time if ever for some people who don’t go the extra mile, because that IS what it takes and then some.

I’ve had so many people email me wanting to learn about how to start a blog and I always direct them to the Blogging for Dummies book because that is where I started out. I also started reading a blog all about Search Engine Optimization and to be honest I don’t know how I stumbled upon it but I’m glad I did because it really has helped Canadian Budget Binder get out into the internet world.

I’ve had other people who have dreams of finding a better job who want advice and tips and my sister-in-law said it best this morning to me in a Facebook private message. I asked her for job hunting inspiration for my best friend.

Below in the quote is what she said when I asked her if she knew of anyone hiring in the local area since she has a big network of senior level management friends. I wanted to motivate my best friend with her words because I know he needs that push to find the better job plus get his hobby off the ground because he is so very talented. I’m ready to help him any way I can.

When you see someone who has talent no matter who it is, stop at nothing to motivate them because most times they doubt themselves or they fail to see that talent. They may thank you one day.

If someone really wants to find a job they love they will find it. They will stop at nothing and they will do everything it takes to get noticed and show the employer they are the number one pick. Never give up.

It’s easy to see how confidence can play a big role in getting what you want in life especially if you dream big but you must have faith in anything you do. Without faith you are giving up on your dreams but most of all we must have patience because nothing in life is handed to us on a silver platter.

We may get shot down 100 times before 1 person believes in us and when you find that person who accepts you, your dreams or that employer run with it and don’t look back.

Dare to dream big

I was doing my Yahoo weekend reading when I came across this article about a guy Zach Green named “entrepreneur of the year” who didn’t think twice about quitting his day job after coming up with this amazing idea for an illuminated helmet that glows in the dark for fire fighters.

This invention would help save many fire fighters lives and go on to help others. He was fascinated with luminescence technology and this brilliant invention was created which would benefit fire fighters all over the world. He started selling the helmets from the trunk of his car going station to station.

When I read how this guy never gave up on this dream starting with small sales then growing into what it is today solidifies how important it is to have faith. Although Green went out on a limb maxing out credit cards and refinanced his house he rolled this out like a bull and cranked in $85,000 in sales in his first month going to fire fighter trade shows.

I can only imagine what it must have felt like for him to see what he had created was getting so big. His business is now called “MN8″ and he has a sales force and his selling his products around the world. His product line has expanded and now includes stickers, paint and magnets.

Reach for your goals

It is one of those inventions that has made him a million in revenue so far but you sit back and go.. why didn’t anyone think of that sooner?

Sometimes the simple things are the most important things but we tend to overlook them because we are looking for big and bold, flashy frosting type ideas but that doesn’t always mean it will be a success. Don’t overlook the obvious and if you have an idea don’t be negative about it, don’t give up and don’t let others bring you down.

No one really knows I blog but I know if I told people what I do essentially for free because I don’t make any money they would think I was nuts. I’m giving up so much of my time for this blog but for me it was and still is my dream to bring Canadian Budget Binder to the top for my fans not for anyone else.

This blog is for the fans, it’s my dream for all of you and I have faith that we will grow together. If Canadian Budget Binder makes money in the future I’m sure it will be used to continue to improve the site for the fans. Giving back.

Read the full article here.

Have you had an idea or a dream that you wanted so bad and didn’t give up on? What was it and how did you motivate yourself?

Blog update

Make sure you are subscribed via email because once I leave free WordPress if you are not subscribed via email you may stop getting my posts in your inbox.

You can now follow Canadian Budget Binder via Bloglovin and continue to get my daily posts in this reader.

If you are a regular reader you would have already received these awesome posts in your email or reader but just in case you missed reading one I’ve put them all together here just for you.

PLUS…. check out the NEW FEATURE I’ve added which is my New Free Recipe IndexYou get all the recipes that I have posted here at Canadian Budget Binder in one spot so you don’t have to go looking for them.

Blog Posts On Canadian Budget Binder This Week

Making a difference


If you don’t already follow Modest Money, hook up because Jeremy has a great site and he is a fellow Canadian Blogger friend of mine who has been around since the beginning and we have worked together, collaborate on projects and help each other out to spread the word about personal finance and much more.

Hello Mr. CBB fans!  

My name is Jeremy and I run a blog of my own over at I’ve been blogger friends with Mr CBB for a while now…I guess ever since he made some waves in the top Canadian finance blogs polls I hosted this year and last. Obviously he’s got a lot of fans and has been helping a lot of people.  When he asked me to contribute to his “Making a difference” series, I was happy to help out.

Well a bit more about me…I’m just an average guy in my early 30s who’s trying to get his finances in order. I’ve made my share of financial mistakes, but I’m learning from those mistakes and putting my best foot forward. I’ve come a long way already. Now I’ve bought a condo, got engaged and managed to make some progress with my finances.

While I admit that my blog was originally launched to help myself, I soon realized how much I could help other people too.  Early on that was more about helping fellow bloggers since I do website marketing work as a career.  It seemed like I was always e-mailing back and forth with some blogger or another giving tips.

As my audience grew to more than just fellow bloggers I made more of an effort to share my personal finance experiences and advice.  I want to do everything I can to ensure people don’t have to make the same mistakes I did.  For example, I wasted way too much money on a brand new car.  By sharing that story, hopefully some people out there will think twice about making that mistake. I  may not be a financial expert, but I do feel that I have learned lots that I can pass on to others. That includes both personal experiences and knowledge I’ve gained by being immersed in the financial blogging community.

We actually all have the ability to help each other become financial responsible. For whatever reason though, finances are a taboo subject that many people just don’t want to talk about.  I think as the financial blogging scene gets more popular, it will play a role in getting more people talking about this touchy subject.

Blog share

I really appreciate when other blog owners recognize my hard work at Canadian Budget Binder and share my posts with their fans or even mention my blog on their blog or website. Here are the blogs that did just that this past week, so please head over and check them out. If I’m missing you it’s because I didn’t get a ping back so please send me an email and I’ll add you next Saturday.

A big thanks to these blogs for thinking of CBB even though I haven’t been around much this past month. Cheers!

What is a blog carnival?

Some fans have asked me just what a blog carnival is so a little explanation is due here for anyone reading for the first time or for my long-time fans. A blog carnival is where a blog or website hosts what we call a carnival of blog posts from around the web.

Most blog carnivals have a theme and certain rules for submitting which must be followed. If you are a blogger and would like to learn what blog carnival directories I submit to each week you can find the information in a previous Saturday Weekend Review post that I wrote.

A big thanks to these pages for accepting my blog posts and sharing them in the following carnivals

Carnival glory

web search terms

Every week I get thousands of people visit Canadian Budget Binder because they did a search online and found my blog. Here are a few of my favourite searches that may have even brought you here and you’re reading this, right now.

  • Til Debt Do Us Budget- Yup, that’ s the way it goes for us
  • Do you want to be right or happy? – lots to ponder there
  • How to be exposed about love- I’m not sure about this one.. how about you?
  • How to pay off $100,000 quick- Win the lottery?
  • Old man sexy cook- hey… who you calling old.. hahah I’m a puppy ;-)
  •   now we’re really opening the budget gates.. a budget for every sport, career etc.. interesting

That’s all for this week’s edition of The Saturday Weekend Review Dream Big and Have Faith. Join me next week same time, same place to see what trouble I can get myself into.


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