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

Grab A Brew

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 people really does make the world go round. I’ve often have forgotten a quarter my shopping cart and there is always someone willing to hand me over the $0.25 to help me out, so I do the same and pay it forward. Sometimes just the small things really do make someone’s day.

It’s clear as day on the video surveillance footage where you can see all the action go down and he does in fact throw a bit of a fit then tosses what change he has at the cashier just before exiting the restaurant. Now in his defense his lawyer says he was throwing it past her and maybe that was what he intended but his aim was pretty crap because he hit her dead on with the coins. There is no round about way to put it but that is assault with deadly coins and the judge agrees and now he is waiting for his sentencing which might include jail time. If that would have been a bartender in a night club the bouncers would have tossed his arse out in the street, maybe Tim Horton’s should hook up with some java security.

“For all the times I come in and have given you tips, you couldn’t even give me a [expletive] coffee,” Gilmore apparently said.

The cashier said she was scared to go to work the next day but I’m sure nothing would have come of it although you never know. People get angry all the time and throw fits, although no one has yet to get pissed at me enough to throw money at me. If that’s all it takes, I need to piss off some rich people. When working in customer service you have to give your 110% to the customers and the customers should also treat you with respect as you are providing a service to them.

With that in mind you don’t know how someone will react and maybe, just maybe he could have come back so I can understand her fear. Some people get lost in themselves and do strange things that no one can ever explain. Many people don’t realize that the way the present themselves is a reflection of what is happening in their world.  If things aren’t all that great, it’s no one else’s fault so don’t take it on them.


My wife did a stint at Tim Horton’s when she was younger and said yes they made tips, not lots but if the guy was short she would have immediately said not to worry she’d put the few cents in for him. I know you can’t do that for everyone but she said in all her time it’s only happened a few times. Most times you might even see that little container on the counter or a cup “give a penny, take a penny” although now it might read “give a nickel take a nickel”.

There have been times while I was rummaging around for change in my wallet while paying for my coffee at Tim Horton’s and she would say not to worry she would chip in the few cents out of the little tub. Most people tend to go to the same Tim Horton’s around the same time so it’s easy to get to know the workers. When I see them I give back and toss change in to help the next person.

Looking at the video it’s a shame this had to go so far but it does teach people a lesson in which you can’t take your anger out on others even if you don’t intentionally mean to. If you are pissed off at the world or your boss, your spouse or some random stranger you need to control your emotions and try to be mindful of your actions. Getting angry solves nothing. Maybe if he would have asked her nicely if she could spot him the change and he’d come back with it tomorrow then she may have responded, sure I can help you out.

If I were the cashier, I simply would have tossed the 11 cents in, smiled and told him to have a lovely day. There are many situations in life not just at Tim Horton’s that we let our emotions get the best of us and then we walk away not feeling so good about ourselves. I’m sure he never believed he’d been sitting in court for this but it happens and will continue to happen if people get angry enough.

So, the next time you plan to throw money at someone make sure you are doing it for all the right reasons and not because your inner beast takes control of you. It’s those moments of anger that may land you in jail, with a fine and or killing someone especially if you are prone to road rage and can’t control yourself. If you feel you have a problem with anger than talk to your doctor as there are many programs out there that will be able to help you find your way back to being a better person. Personally, this entire situation could have been avoided either by chipping in the 11 cents or offering to downsize the product for the customer in an efficient manner especially if she noticed him getting irritated about it.

Do you think he should get jail time for throwing money at the Tim Hortons cashier? why or why not? How could this situation been avoided or handled differently?

You can read the full story and watch the video here.

PF weekly reading line-Up

I need some help if you can for the next few weeks.

I didn’t have much of a chance to read all the blogs I wanted to this week because of computer problems, internet problems and now purchasing 2 new computers and setting them up. I’m also looking for any PF bloggers who are interested in guest posting as I have matter that is coming up that I need to deal with that is very close to my heart. If you are a personal finance blogger and can give me a quality blog post for my readers send me an email and let’s talk. You can read my guest post guidelines here.

Top recipe

pumpkin spice latte

Earlier this week I was asking the food bloggers who share recipes on my Free Recipe Depot Facebook page to share their favourite pumpkin recipes. Since today we are talking coffee and alternatively instead of buying coffee at Tim Horton’s or Starbucks and many other places it’s cheaper simply to make  coffee at home. (Don’t believe me, check out my numbers) So, today Give Peas A Chance wowed me with their Pumpkin Spice Latte recipe and I’ll tell you, it looks mighty fine to me.

Weekly Reads

Happy Anniversary to Aspiring Blogger!

Top Story: Credit Unions vs Banks Which is best for you? One Smart Dollar

Have a great week everyone and I hope you enjoyed this edition of my Personal Finance Weekly Grab a Brew #36: Don’t throw your money at someone it could cost you jail time.

Join me again next Friday when I do it all over again.


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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 whether it be through TV, Print, or On-line that they grasp the “Spend less than you earn” motto and run with it, and fast.

I remember when we first bought our home in 2009 for $265,000 and our mortgage rate which was the best we could find as a fixed mortgage at the time was 3.99%. Over the months and even years we saw that interest rate get shattered which left us scratching our heads in awe of how awesome interest rates were for new home owners.

In the 80′s when mortgage interest rates went through the roof and for those that survived it seeing the rates today must make them shiver with envy but I know that deep inside they too know all good things will come to an end. When you’ve lived through the worst it’s almost inevitable that at some point in time things may get to a point where it could put a strain on the household budget once again.

I don’t think the mortgage rates will hit 18-20%+ like in the 80′s but we should brace for some hikes and with that comes more money out of the homeowners budget and pocket. You may not see the money you are paying but over time that house you bought will soon cost you potentially more than you bargained for when you ran your initial mortgage figures in the mortgage calculator when you purchased it.

When it comes time to re-finance is when you will see how you are doing in comparison to where you were when you first took out your mortgage. Don’t be surprised, it’s not like they didn’t warn us. I just hope people were smart enough to buy a home on one income or that they didn’t get more house and mortgage than they need.  I still think that the best time to buy is when you are ready. Don’t rush, take your time and do it right.

TD Bank estimates its new mortgage rate of 3.8 per cent for the special 5-year fixed term will translate into a $130 rise in monthly mortgage payments since May for the average Canadian home owner with 25-per-cent down over a 25-year amortization period.

I’m not a super investor in the markets as I pay a financial advisor to do that for me ( I know my investment friends are cringing) but the reality is I don’t know how to do that on my own yet. If I knew I could work it out so I was making more with investments than I was blowing interest on my mortgage I would certainly jump right in. I don’t know that and that is why we decided from the start of our mortgage, just to pay it off so we were debt free.

I watch the MLS and home sales in our area but I’m betting that sales will go down as predicted and those who are deciding what to do might just kick their down-payment saving for a mortgage into high gear so they can sneak into the market while the rates are still fairly low in my opinion.

Some people questioned why we would do that with such low-interest rates and potential to funnel that extra money we have every month into other dividend paying investments but the reality is we weren’t confident enough. We live in an area where housing costs are high and it made more sense for us to just kill the mortgage and be done with it. I think over time as we continue to learn we will take the steps to invest on our own but for now, paying off our mortgage will be our priority. The money is ready to move now so soon enough we will be mortgage free before 40.

What do you think of the rising interest rates and mortgages? Shocked? Don’t care? …..

You can read the full Yahoo article here.

Gardening and Landscaping



Last week I promised you a photo of our mallow and as you can see it’s in full bloom and to tell you truth just staring at it makes me smile. The flowers when they are opened up are a vibrant pink and fuchsia colour that emulates a beauty that is calming to me.

Our tomato plants are still slow-growing and I don’t know if we will get anything from them at all this year. I shouldn’t say that because there are a few tomatoes on the plants but they are not near as big as last year, this time. The weather has been less than perfect this summer but the peppers seem to be doing OK. I guess when the relatives tell us they are eating tomatoes and peppers already from their garden it makes you question how behind your plants are. Next year I’m not sure if I will grow from seed I might just buy them already done up so I can move the process along quicker OR start them even earlier indoors.

How are your tomatoes and peppers?

Blog update

Not too much happening on the blog front at the moment but we are still working on the back-end developing the new site to go live very soon. If you haven’t already subscribed to Canadian Budget Binder, please do. If you follow me through WordPress please subscribe via email so you continue to get my daily update via email after I move my blog.

Other posts I wrote this week

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.

Garage sailing with Jen


Jen and her husband have made many improvements to their shopping habits and their budget. You can read all about it in her guest post, Budgeting With Mr. CBB Got Us Back On Track. Jen shares her weekly garage sale finds with us for the summer to show just how much she can save for her family.

Today’s haul:
Salad spinner (Ken just broke mine and I couldn’t get one on freecycle) – $1 (they were asking $2)
Boy’s shoes and ladies blouse – $3 (they were asking $5)
Little white car – free
Hockey stick and puck – free
Black truck for hauling cars – $.25
Total $4.25
We took Adam again so Ken could stain our deck, once again he was given free items :-)
As I side note last week I had purchased 9 x Lego bases all for $1.  I sold them on a Facebook auction group I belong to and made a $12 profit.

Making a difference


Each week I like to showcase a blog that I follow on a regular basis and today I give to you my good friend Shannon who runs the popular blog The Heavy Purse.

Hello Canadian Budget Binder Readers! I’m Shannon Ryan and you can find me at The Heavy Purse where I provide tips and tools on how to raise Money Smart Kids. I’m a Certified Financial Planner and proud mother to two beautiful girls, Lauren and Taylor.

My father started teaching me about money when I was thirteen, which helped me develop a healthy relationship with money. After becoming a CFP, I realized how much influence parents had on their children’s beliefs and habits around money. Unfortunately, too many kids were observing poor habits that eventually became their own. This was not the future I wanted for my girls, so I began talking to them about money when they were very young.

The lack of financial literacy in our children troubles me as I have seen how it cripples their financial lives as adults. This is why I wrote The Heavy Purse and started blogging: to help busy parents teach their children simple, value-based principles to guide their money decisions and support their long-term financial well-being. I believe teaching our kids how to handle money properly and make mindful money decisions is one of the most loving gifts we can give them.

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.

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

Google search terms

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.

Top Pick of the Week:

  • A man cooking is sexy: Ya… I know now we need to encourage more men to get in the kitchen and explore
  • Dog spa: Just because every dog should go to the spa
  • Nice house: I love when I get simple visits for simple searches like this
  • Mr. Food Crockpot lasagna: Well, I have a crockpot lasagna recipe but my name is not Mr. Food!
  • Fat dog haircut: I have no idea on this one
  • Yellow Pepper: I have to say my yellow pepper gets lots of action on here. I don’t know if they are rare but I’m not complaining.


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

Grab A Brew Reading Line-Up

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 to some shoppers. Also, if you haven’t heard Sobeys is taking over for Safe-way out West which may bring some big changes to those that frequent Safe-way and shop there each week. A few of our fans who participate in the Grocery Game Challenge have shared some excellent shopping deals from Safe-way. It seems there’s something going on all around us behind the scenes with the grocery shopping giants.

Pick Me

It feels like everyone is saying, pick me, pick me and we are waiting to see who is going to give us the best bang for our buck and with all the bells and whistles, but not everyone wants that. With Target recently coming to town here in Ontario it seems the competition keeps getting bigger in the bid for customer loyalty.

Target brought us the 5% discount Target RedCard that gives it’s customers an automatic discount on what they purchase. Sobeys has Club Sobeys points and Metro has Air-miles, there’s a program every where we turn around these days. Even Shoppers Drug Mart that sells grocery items has the Shoppers Optimum Program which is lucrative to many who shop their even if the prices are higher than the grocery store.

I’ve also noticed that President’s Choice now has a PC PLUS program where you can load products each week that are personalized for you. If you purchase them you get even more PC Points added to your account. This is over and above what you already get for PC points and is exclusive to Loblaws stores only.

I for one haven’t shopped in Target since our first road trip to the grand opening of the store. The prices are still far from comparable to No Frills, Food Basics. We rarely go to Wal-mart simply due to travel time and again the prices aren’t always as comparable either and if we do find a deal we simply price match it at No Frills.

There are many people I’ve spoken to over the course of running this blog that do enjoy shopping in the smaller type grocery stores or markets in their community simply for ease of shopping. Lots of little towns have Foodland a smaller grocery store part of the Sobeys family along with Freshco, Price Chopper, IGA, Thrifty Foods and Lawtons Drugs. Although higher priced Foodland does have sales like every other grocery store but also delivers a personal appeal to many who frequent the shop.

I’ve been to Foodland locations before and it’s quaint and everything seems with a pleasant atmosphere. You can stroll around up and down aisles and get in and get out in a reasonable amount of time. At least in the shops I went into. I don’t get that feel in the bigger grocery stores and for some that can be overwhelming when there is too much going on.

Not everyone wants to have to travel a 10 minutes across a grocery store floor just to grab a bag of milk and loaf of bread to take home for dinner. I’m not stranger to these big grocery stores like The Real Canadian Superstore, Wal-mart and even No Frills although the stores are far from the size of RCSS and Wal-mart they still are big enough.

Tesco UK

Back home we  have Tesco UK  a multi-national grocery and retailer with many formats and I guess how I see the various Loblaws stores. I shopped at Tesco’s on occasion but I also frequented the smaller discount grocery stores to save even more money on the same products. I also shopped often since I only had a refrigerator the size of a beer fridge in my kitchen so getting in and out and great prices were important to me.

The big box grocery stores are full-service, one-stop shop type stores where you can do it all without wasting time and gas running from shop to shop. It may be ideal for those that don’t have the time to travel around and want to get it all done in one area.

Tesco’s also opened Tesco Express approx 2000 sq ft which is a convenience type store that stocks the higher end products. Essentially a very small version of the big box but aiming for convenience for shoppers that want to get in and get out which you might find in smaller villages and towns or petrol (gas) stations. Maybe this is where we are going to start seeing Loblaws heading scaling down the store into smaller versions spread out across Canada.

You don’t always need one big presence to make an impact, many small ones do as well. It’s like seeing a Tim Horton’s on every corner and you know that you are guaranteed to see at least one. The same may ring true with the grocery stores. They say out of sight out of mind but if you’re always seeing it then it may be the first place you turn to shop just like many get their morning coffee fix.

You never know, it may just be a better way to shop for those that don’t want to spend all day in a store and enjoy the small town feel, personal touch. It might bring a joy to those looking for ease of shopping if they aren’t able to make their way around a big store without discomfort and other distractions.

From No Frills, to the The Box by No Frills to who knows a convenience store called the “The Little Box” might pop up one day in a community near you. When competition gets hot anything is possible so get ready Canada.

Would you shop at The BOX if it were in your town or city?

Do you shop in any smaller grocers where you live?

What do you really want as a consumer?

On that note…. let’s grab a brew and something sweet.

Top Recipe


If you haven’t had a change to check out my New Facebook Page titled The Free Recipe Depot please come around and Like my page. It’s a place where I share recipes and only recipes from blogs and websites from around the web. You come share your recipe and I’ll share it with my fans. It’s that easy.

Today’s top recipe goes to Walking On Sunshine for sharing their Chocolate Bliss Cheesecake on my new Facebook page this week. I wouldn’t pass it up if it were served to me.

Don’t forget to pass by my Canadian Budget Binder Facebook Page every Sunday for Frugal Food Sunday to share a blog recipe so I can share it with my over 5800 fans!!

PF Weekly Reading Line-Up

Here are a few (20) blog posts that I thought were worth mentioning this week from blogs that I connect with here at Canadian Budget Binder.

Top Story:Avoiding the impulse buy after getting out of debt- How to buy new stuff after getting our of debt- Eyes on the Dollar

Have a great week everyone and I hope you enjoyed this edition of my PF Weekly#25 Grab a Brew.


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The Saturday weekend review #24: Limes are our new money tree


Looking Back Over The Past Week

New blog

When Saturday rolls around it has to be one of my favourite days for writing a blog post because it’s a time that I just let loose and tell you how great or miserable my week has been. I know that I’m teetering on very busy territory shortly as my new blog design and move to self-hosted is on the horizon. I hope you really do enjoy the new look that’s been created and that I continue to improve upon this site that has been built for you and for me.

I must admit that WordPress is one of the best free blogs I’ve ever used. It’s so easy to learn and navigate once you get used to it and support here has been absolutely wonderful to me. Moving to self-hosted has meant that I’ve had to find a hosting provider and I’ve decided to go with Bluehost which came highly recommended to me. You can read all you want online there will always be the good, the bad and the ugly so experimenting is what I plan to do. I’m sure I will do a small bluehost review once I’m settled in and have spent some time with them.

If you are a WordPress follower and if you still want to read my daily blog post once the blog sets up its new home you should probably subscribe via email from my home page as I’m pretty sure all you kind WordPress readers will be left behind at the free WordPress blog wondering why my posts are not showing in your blog reader.  Better yet, maybe subscribing now via email is the best way to go.

I know many of you have waited so long and believe me, so have I so I look forward to all the mess and magic I’m going to create at the new site. Please be patient with me as I make my way around behind the blog scenes to get everything sorted. You may notice some errors, blips or better yet nothing at all but the new blog design but we’ll work through all the kinks the best that we can and as efficiently as possible. It may take me some time so your patience and continued support is appreciated.

Gardening and Landscaping

The front gardens are as good as done. Now I need to focus on sealing the steps. I did manage to seal the drive this past week and it really makes a difference to the overall landscaping of the property. Our driveway seems to take a pounding each winter although it’s in perfect condition. We were going to replace it at a cost of over $12,000 but decided not to fix what’s not broken. I take my time and tape and measure so it’s perfect. How many driveway DIY sealing jobs have you seen where the black sealant is all over the place. Not at our house. A little planning and patience goes a long way.

I managed to get a new garage track and seal at Home Depot for a decent price so I figured I might as well get that replaced while I can. If I’m going to be landscaping the front and pouring money into it I might as well go the full yard and make it all new. I’ve also taken the caulking around the windows out as they were looking a bit discoloured and unsightly. I’ve re-caulked them and they look as good as new. Then I managed to pop off part of the trim and spray paint it white and it looks brand spanking new again.

I read a post on wise bread the other day about black spray paint is the new decorators weapon and I had a laugh because it’s so true. I can’t tell you how many cans of spray paint I’ve picked up but I have. I have sanded and spray painted anything in and around our house that I could. It all looks brand new and not worn at all, especially any light fixtures, tables, chairs, mail boxes, decorations, baskets. You name it and I’ve layered a black coat of spray paint on it. It makes a world of difference for the small price of a can of black spray paint $3.99 plus tax at Canadian Tire.

So, any time you see a bargain at a garage sale, online or free at the side of the road that needs some new life put into it, pick it up if you fancy it. All you need is some sand paper, a wire brush, black spray paint and good ole elbow grease. Do you remember that free roadside find, the barrel planter? If not take a look at the before and after photos. Stunning!

Price adjustment 

I ran out of driveway sealant and of course I paid a bit of money to get a good sealant from Canadian Tire but it was on sale the previous week that I bought it. I knew I had to go back and pick up another bucket so now I know the next time I seal the drive I need two. Unfortunately I had to pay full-price which happens as we can’t get everything in life on discount or with a coupon.

The best part is when I was reading the weekly flyers the driveway sealant is on sale again this week at Canadian Tire which means I can go back and get a $13.oo price adjustment. If you aren’t checking your receipts and flyers each week to get a product price adjustment, don’t miss the savings, start today. I can’t tell you how much money I’ve saved by reading the newspaper.



The limes, you know how much we love our fresh limes and lime juice dressings as there are so many lime health benefits it’s hard to say no to them. Limes are great for digestion, constipation, respiratory disorders, gout, to fight scurvy, excellent for skin care, eye care, gums, piles, weight loss, urinary disorders and other health benefits. I really enjoyed reading that article and makes me feel good that we enjoy limes the way we do.

We can’t get enough of that tangy flavour in our salad dressings, jelly, salads, rice and pasta dishes. We use lime every chance we get and if we see a deal on limes you can bet we will get in on it. While picking up some odds and ends at Home Depot while visiting friends last week we wandered back into the garden centre as I needed to pick up some bushes for the front yard.  Sometimes it pays to check in to big box stores that aren’t in your city because they all seem to carry bits that the other might not. Another couple of hundred dollars gone to landscaping but it looks beautiful.

While pushing the cart around if the wife doesn’t see a blinkin lime tree for $24.99 on the shelf. There were quite a few of them the last time we were there I just didn’t say anything to her. She was so excited and wanted one so she could grow it at home. I told her that she was responsible for learning how to grow a lime tree and that I had nothing to do with its life or death. She kills plants if you missed a previous post of mine.

So the lime plant is sitting pretty in a mini plastic whiskey barrel that I will drill holes into for her so she can baby her lime tree all she wants. I’m happy she’s happy and since she doesn’t often spend money on herself I thought it was a great to see her so excited about something she wanted.

I’ll keep you updated on the life of the lime tree. The lime tree is our new money tree so if we actually start growing limes it may save us a buck or two. Either way, it’s a great conversation piece when you have guests over and smells beautiful.

Weekly blog post review

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

Garage Sale finds

For the summer I will feature garage sale finds from Jen and the fans. Since Jen has started budgeting and saving money she tends to find her best deals at garage sales. Join in the fun! I’ll pick one fan each week along with Jen’s finds if you send in your photo and write-up no later than noon on Saturdays. If I don’t get any submissions I’ll just skip the post for that week.

Jen’s garage sale finds

Jen sent me a quick email to let me know that she is taking this Saturday off from garage sales but should be back in action soon. If you would like your garage sale finds featured simply send me an email with the products you purchased, the prices you paid and a photo of your garage sale bargains.

Making a difference

Starting a blog is not an easy task and for those who leave the corporate world to start their own online business it is serious stuff to them. You can find many blogs for free around but I hope you take the time to check-in and read the blogs that I recommend for you here each week.

Today a shout out to my mate Sean who is ready to share with you why he’s making a difference to his fans from all over the world.  If you run a blog or a website and you want to share your blog with the fans why you are making a difference, email me today.


Hi my name is Sean. Some of you might know me from however in 2006 I started the couponing and deals blog  I had only been out of college for a couple of years and I quickly realized how expensive it was to buy groceries when I saw my two bags add up to over $50. That is when I began to learn the in’s and out’s of using coupons.

It was then that I became passionate about showing other how much money they could save. I wanted to help as many people as I could cut their grocery bill so their family could use that savings to pay for the fun things life has to offer.

As a former banker I decided to get back to my roots in 2011 when I launched This new blog helped me hit a completely different side of personal finance. It allowed me to take my education and work experience to help others better their financial situations. Financial literacy is the backbone to making our society a better place.

My goal for the years to come is to continue to reach new people and help them towards financial happiness. That could be by helping someone improve their credit score in order to get the best rate on a mortgage or showing someone the importance of saving for retirement at an early age.

Blog share 

I really appreciate when other blogs take time to recognize my hard work here at and blog share it with their fans. My way of saying thanks is blog sharing your page with my fans so a big round of applause for some amazing blogs and websites that shared us with their community of fans. Thank-You! Don’t forget to subscribe to these blogs and tell them Mr.CBB sent you.

Carnival glory

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 carnivals have a theme and certain rules for submitting which must be followed.

Each week I dedicate about 3o minutes to submit my best blog posts from the past week to blog carnivals. You can too. Blog Carnival HQ , and Blog Carnival are just a few carnival pages I visit each week to submit my posts so they get shared around the web.

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

web search terms

Google keyword search terms

Keywords for search engines help me to understand what people are looking for at Any typos below are simply how the person who searched Google and typed it in search incorrectly, or me ;-) Although I get thousands each week I pick out a few that caught my eye. It’s great what you get to see behind the scenes so I want to share some laughs with all of you.

  • Canadian Is Me Budget Binder: Not sure what to make of this one. you?
  • Love Letter About Money: I love you but money is important you know……..
  • Woman Only Want Money: What about us men?
  • Dash For Cash Jamaica Supermarket Game Show- Nope, no Jamaica here man!! I’d be interested to check that game show out though lol. Only have the grocery game challenge I’m afraid.
  • 25, Single, Homeowner: Ha, no dating site here, this one was great.
  • Pot in fence: Well, if you’re growing pot it’s a good sign your neighbour can tell what it is. Look… pot in fence.

That’s all for this weeks Saturday weekend review, please join me again next Saturday for more happening in and around the blog and at the CBB home.


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The Saturday Weekend Review #19- Mothering Sunday Is Mother’s Day!

he Saturday Weekly Review

Mothering Sunday is what we call Mother’s Day in the UK, the equivalent of Mother’s Day In Canada and other places around the world. In the UK Mothering Sunday is always celebrated on the fourth Sunday of Lent.

In 2013 Mothering Sunday in the UK (Mother’s Day UK) was celebrated on March 10, 2013 where Mother’s Day in Canada and the USA is celebrated on the second Sunday in May which is May 12, 2013. I call my mother my mum where in Canada my wife says her mom. I try to stick to mom so I don’t confuse people but sometimes I forget but I’m sure you all get it. We only celebrate Mother’s Day during the Canadian celebration date and my mom is fine with that.

Some day soon she will get me in the flesh and blood as we hope to make a trip back to the UK very soon. We are hoping to plan something very special maybe visiting our friends in Spain, Germany and Italy. Yes. I will take lots of photos when we go and make sure we hook up with the best eats around. I’ve been to many places in this world but the wife has only been to a handful of countries so I want to plan something special for her so we can celebrate our time together.

My wife had never heard of Mothering Sunday but that is what we call it and it’s a celebration of our mother. My mother loves flowers so I would always get her a bouquet of mixed spring flowers and a card as a mother’s day gift. Flowers in the UK are a must for anyone with a garden, well at least in our house they were and still are at my parents.

I have a passion for gardening especially growing flowers of all descriptions because flowers to me symbolize so much in my life especially memories. My mothers knowledge of the the Latin flower names is brilliant in which she taught me. My wife tells me it’s  sexy hearing me name the flowers. I’m no pro by any means but I can spot flowers and tell you what they are but am always willing to learn. We also grow many vegetables from seed and continue to grow our organic garden a bit more each year.

I’m always getting creative finding ways to grow flowers and vegetables in a small space so I built wooden garden boxes and have the wooden barrel that I found and restored as well that I will put to good use. The compost heap is overflowing and it’s pretty much supplied all the nutritious soil that I will need this year.

I still have many bags of rotting leaves to dump in. The most important part about gardening is protecting your investment and educating yourself about how to care for your plants and even finding out the type of soil you have in your garden.

As you know I don’t often get to see my mom but I do speak to her on the phone quite regularly. Mother’s Day for me is just another day because I celebrate love and life with my mom every time I think of her, talk to her and see her. Now that I’m older and understand life a lot more than when I was a kid, especially about finances I can see how much love, effort and support my parents put in to give us kids the life they did.

We don’t have a large garden but I do get around to planting some flowers here and there as well as beautiful hanging baskets which I will have out later next month. Not all of our flowers are out yet but they are coming out in full force. In our garden today I have some Lavandula, Lilies, Tulips, White Geranium which bloomed all winter indoors, Gerbera Daisy and Hostas. I also have a sneak peek below at our figs and our incredible rhubarb that is growing so fast.

I’m going to need to start experimenting with Rhubarb more in the CBB kitchen this year so expect some new recipes to come your way. Tomorrow I will be sharing my Toasted Coconut Custard Tarts with Whipped Cream something I know my mother would enjoy with a hot cuppa tea! So to celebrate Mother’s Day I share some flowers from our garden into your home for all the Mother’s and Mom’s to be… Happy Mother’s Day 2013!

Mother’s Day 2013
Happy Mothers Day 2013 I love you

Mothering Sunday

Rhubarb 2013 wm

Lavandula 2013 wm

2013 Figs From My Garden

Hostas 2013 wm

Canadian Budget Binder Weekly Review

Hot Posts Of The Week

Canadian Budget Binder’s Weekly Blog Posts

The CBB Blog Post Bundle… just for you!

I also had a guest post this week at My Personal Finance Journey-Budget and The Beast, Can They Work Together?

Making A Difference

Making A Difference Frugal Rules 2

I’ve talked about how important it was to “Make a Difference” not only with my life but with this blog. I put out a call for other bloggers to email me a few paragraphs about why they are making a difference with their blog and to share what that difference was.

This week I’m pleased to bring to you John from Frugal Rules who I have had the pleasure of networking with for many months now. You can catch John nightly posting his dinner on my Facebook page- What’s For Dinner post and interacting with my fans. I agree with John when he says that comments from the fans shows that he’s making a difference. John has always taken the time to chat and throw ideas around with me and  he’s certainly a PF blogger with a great online presence and personality with lots to say…. so let me introduce to you… Frugal Rules!

Thanks for giving me the opportunity to share the vision and passion fueling Frugal Rules. There are an abundance of personal finance blogs providing helpful information and opinions; what sets Frugal Rules apart is the holistic view of money I try to promote with every piece of content I write.

Where others focus on investing or couponing or even budgeting, Frugal Rules presents a broader view of what your money can do for you. I try to help others by sharing my own exodus from credit card debt and journey toward financial freedom so they can avoid making the same destructive financial mistakes I made.

I’ve discovered that most financial mistakes are made from ignorance so I try to help others by educating about a wide range of financial topics, all with the ultimate goal of showing others how to enjoy freedom from debt and develop a plan for the future that will keep them from having to work until they drop. I do my best to respond to every comment and question readers submit.

Their responses show me I’m making a difference. I care deeply about helping others, particularly my own children as well as future generations to manage their money wisely and make it work for them. While it’s a lot of work, creating, managing and publishing content for Frugal Rules is the most rewarding work I’ve ever done.

Blogs You Should Check Out And Follow

Who’s Talking Canadian Budget Binder

Thank you all so much for taking the time to share CBB!

Carnival Glory

Only a few carnivals took on CBB this week, thanks for sharing I’ll always remember!

web search terms

Google Search terms really help me to understand what people are looking for at Canadian Budget Binder! Any typos below are simply how the person who searched Google and typed it in search incorrectly, or me ;-) Another week of thousands of search terms but only a few good ones worth mentioning.

Top Pick: Italian Pooding…. self explanatory but I did get a good laugh out of it… make sure you stretch the word….like Pooooding…. for the full effect. 

  • How Many Weight Watchers Points Are In A spudnut- My guess… lots! (That’s a donut for all of you scratching your heads)
  • Cana dian Bu dget Bin der- Let’s just see if it will work if we leave spaces in between… pass me another cold one would ya!
  • Not enough money to run business this month- Sounds like someone has decisions to make
  • Ways to Save Water on Rainy Days- Besides using a rain barrel or a bucket if you really want to save a free shower is a free shower.. grab the soap and get at it.
  • How To Formulate A Sausage- Hmmmm … I’ll just leave that one alone

Quote-Budget and Money

  • Are you NEW to Canadian Budget Binder?
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  • If you need to get in touch with me the best way is on Facebook!