The Saturday Weekly Review #17- All Mouth And No Trousers!

Behind Closed Doors With Mr.CBB It’s Saturday, so close the door and come on in, sit down, grab a cuppa tea, relax and hang out with me for a moment. No, nobody is going to massage your feet and take the tension from your shoulders and rub hot oils all over your body to take the worry from your mind here at CBB. To make up for the lack of spa like atmosphere at this moment If I can have your attention for 5 minutes I promise I will make you forget about all the crap you have to do this weekend. If not, go have a beer or cocktail with an olive and suck it up! It’s not every day on the blog I get a chance to kick back and wind down for a bit with everything that’s going on in my life. With a newish career, the blog and working hard to renovate around the house life can get a bit hectic for me. I haven’t even factored in the wife but she gets me when she wants so I try not to bundle her in with “stuff to do” list or I may find myself in a […]

The Saturday Weekend Review- #16 Are You Making A Difference?

Making a difference seems an appropriate title for this post since I want to share Bloggers and fans who are making a difference with my community here at CBB. When I started Canadian Budget Binder I really had no idea what I was setting myself up for but it certainly wasn’t what it has become today. It’s been one heck of a year and I’ve learned so much from people all over the world. In the wake of the Boston Marathon bombing and the Texas fertilizer plant explosion it was just another grim reminder that life can pass us by in an instant. All the things we wanted to say, all the things we wanted to do may never get heard or accomplished. Some of the photos, the heroism of the people who did whatever they could to help the injured, really there is no words. Amazing. I remember life in the 80’s when having fun and being carefree was part of a daily routine for me. There were no computers to play on so I just hung out with my friends learning, building things and taking them apart, but goofing off most days. This world has changed alot, some […]

The A-Z Of Saving Money E-Book-A to Zero Excuses!

When Glen who blogs at Monster Piggy Bank emailed me about this new A-Z e-book project he wanted to start working on I thought it was a great idea. Glen had also asked me if I was interested in contributing to the e-book along with many other personal finance Bloggers and I was honoured that he had asked me. I had thought about writing an e-book last year but I was nowhere near that stage in my blogging hobby to even attempt that. I just knew that one day I might want to take everything that I have learned and put it into a book that everyone could easily read. At that point though I was still learning about blogging and networking with many Bloggers whom I consider good virtual friends today. I’m not kidding when I say I read over one hundred blog posts every week and can’t get over how friendly the personal finance Blogging community really is. Canadian Budget Binder When I started to brainstorm for Canadian Budget Binder I knew that I enjoyed talking about saving money and finance but I was far from a finance professional. I’m just a regular guy with a dirty little secret, I have a […]

Saturday Weekend Review #11- What’s Happening Mr.CBB?

What’s Happening At The CBB House? I’ve worked like a mad man trying to get things done around the house this past week and as you all know multitasking is not what I’m good at and neither is Mrs.CBB. Besides my career, the blog and hanging with the wife and friends I’ve set aside time to work on plans to get some renovations done around the house which are long overdue. Our plans so far include new updated bathrooms a new kitchen and some simple landscaping. Making sure we  keep in line with what comparable homes have sold for to get the best return for our renovations. The last thing I want to do is over-renovate and lose money. The catch is we now have to save the cash to do these renovations  since our savings account will be depleted shortly. We knew we would be using up our cash to pay off the mortgage and are in no huge rush to renovate. That only means our plans will be stretched out over the course of the year and into next year. We planted the garden as you would have read the past two weeks and I’ll be starting my flower […]

The Saturday Weekend Review : Put On Something Sexy…

I just had to touch on this article I read about a child who won a book called “Put on Something Sexy” in his grade 8 sexual health class. Apparently it’s cartoon based book and when you flip the pages you see the couple getting it on (having sex) and the woman putting a condom on the man. A Nanaimo, B.C. mom says she was “disgusted” when her grade 8 son brought this flip book home from school. An organization Aids Vancouver Island said “they had material on tables the kids could pick up if they wish” during sexual education. One of the pamphlets was about oral sex and how to perform it and was quickly removed. So the school apologizes, writes a letter to the parents and will make sure all material is reviewed in the future, bla bla.. you can read the entire story at Huffington post Canada. So the boy is in grade 8 and I’m sure by now he realizes he has something special going on down there. I’m also pretty sure he’s not stupid and knows what to do with it. The TV is plastered with sex, music videos depict sex, video game, movies, magazines, internet and heck, kids talk. I’m sure […]

Mr.CBB’s Personal Finance Reading List #6 ~Worrying and Complaining Does Nothing, Now That’s Snow!

To All My Devoted Canadian Budget Binder Fans around the world! Please click the link below and vote for Canadian Budget Binder who is up for nomination for Best Top Personal Finance Blog 2012. All it takes is a click and I thank you for your continued support as this site is for all of you.  Click HERE to vote Canadian Budget Binder. Update: Over If we win: Winning blog $100 to give away to one of their readers to help them in their journey to pay down their debt or add to their savings. I will hold a contest if we win and give this to one lucky fan! Here Comes The Snow, Are You Ready? We thought we would get lucky again this year with small shots of snow falling from the sky but that simply is not the case according to the weather professionals. If you are in Southwestern Ontario your commute was or is likely going to be a messy one with Environment Canada weather radars zeroing in on one of the biggest winter blasts since 2011. The Alberta clipper is making it’s presence with a sweet push from the USA. It’s been a couple of […]

The Saturday Weekend Review #4 January-Marketplace On Bank Fees~Magnifying Glass Needed!

While eating dinner last night I turned on CBC Marketplace one program I actually enjoy watching on the television here in Canada. If you are not familiar with Marketplace it’s a program that backs Canadians as our consumer watchdog now in it’s 40th year. Marketplace co-host Erica Johnson asked Canadians “Do you have a gripe about Bank Fees?” and busted the big 5 banks. This was great, I almost wanted to break out a bag of Orville Redenbacher, finally someone is speaking up. She says that people feel that banks are “ripping them off”. It’s not surprising when we hear that some Canadians are forking over $50 a month. According to the Canadian Bankers Association spokesperson in the show, “31% of Canadian pay no fees” and the rest, well I’m afraid, you do. When was the last time you sat down and went over all your bank statements to check how much you pay for fees? Preet Banerjee, an independent Personal Finance Expert and Blogger at WhereDoesAllMyMoneyGo.com voiced his opinion and says, “we are partly to blame because we don’t keep track of all these fees” and I agree. It’s the same with budgeting we need to know where our money is going, how else […]

Mr.CBB’s Personal Finance Weekly Reading List #4 Rob Ford In From The Cold, The Sandwich Generation

Unless you’ve been on vacation somewhere warm (I’m jealous) you have likely been hiding in from the cold.  I don’t mind the snow and the seasonal changes but when that wind chill is factored in it gets bloody cold. These are the days I start dreaming about being able to put on my shorts and t-shirt although I’m getting used to what is now my home, Canada. I was reading an article about the coldest jobs in Canada and wondered how people get used to these frigid temperatures especially those in Yellowknife where temperatures near arctic levels. I have to commend those that work in these cold temperatures such as carpenters, road side assistants, fire fighters, ambulance, police and so on.  It got me thinking about all the people who do have to work outdoors and what they have to endure on a daily basis. How lucky are we that get to stay indoors where the temperature is toasty warm and for some they can slip off their shoes and put on cozy slippers whilst sipping a latte. Very lucky so next time we catch ourselves complaining about our job remember all the people who have it worse off than us. […]

Mr.CBB’s Personal Finance Weekly Reading List #3 RRSP’s, NHL

Today is probably one of the first days I’ve been able to wake up late and just lay in bed staring at the ceiling wondering what to tackle first. So far this week has been one heck of a rat race for me running from meeting to appointment to the grocery store to work and home. Have you ever had a week where you felt you were going non-stop? Well that was me this week. On a good note, NHL Hockey Season is back (finally) for all you hockey fans although, I’m not one of them. I was mentioning to my mate Mark about Hockey and how I don’t understand it but ask me about rugby, basketball and soccer and I’m in. We met with our financial advisor the other day and we really have some catching up as do many Canadians. I read an interesting post today on RRSP or Debt and how only 26 percent of eligible Canadians contribute to an RRSP. What would you choose? Sometimes the choice is clear but others it’s not. Our choice was clear and I’ll get into that more in a later post about our retirement savings and plans for 2013. TOP BLOG […]

Canadian Budget Binder-Personal Finance Weekly Reading List #2

This weeks reading list will be full of awesome blog posts from personal finance blogs and foodies blogs around the web. I’ll admit I’ve slacked with commenting as I’ve been so busy with side projects but I do read them and share. I’m sure I’ll be wrapping all that up shortly and we can roll out the new site soon for all the fans who are anxiously awaiting for me to get rid of this cult of a page. Yes, that’s the feedback I received and that’s OK, I enjoy learning about what needs to be improved with the page or anything in my life. Life is about learning and when you shut the door and stop listening then growth stops. So when my fans told me my blog was dark, busy and cult like, well I listened. In order for CBB to grow, this blog environment not only has to be fun and interactive but inviting and clean. Not many Bloggers realize how the presentation of their site can impact the fans who want to stick around but don’t. I was one of them. So, Andrea…. work your magic, no pressure though.  Another milestone was reached on my Facebook page […]