Single Man Wants To Know Where To Find Frugal Sexy Women


A CHANCE MEETING STARTS WITH HELLO   For some people love is more than what you feel in the heart, it’s also about how well you deal with money. Men today just like women are looking for someone who will complement their passion for frugal living. Let’s not forget though that a healthy relationship takes more than just money. That means money is only one part of the relationship pie. Back in 2012 I wrote a post asking whether frugal men were sexy and ever since then I’ve noticed quite a few visits to the blog where men were seeking advice about women. Yes there are men who want to date women who give some thought to their financial future. It’s funny how easy it is to generalize one gender over the other but there are no comparisons as we are both equal. The problem is that most men and women don’t know where to start when looking for love as they age. The older we get the harder dating seems to be especially if a career and family comes first. In our younger years we would go to the clubs dancing every weekend enjoying the night life but that […]

Couple Cancelled Wedding and Used $3000 Stag Party Cash For Debt

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EVERY GOOD PARTY HAS AN ENDING   Unfortunately for this guy his stag party ended with excitement but his wedding never brought him to the alter. Every year couples get married but before the big day they may hold a party to raise money for the wedding. Some people are against being asked to participate in funding a wedding by attending a Stag Party (for men), Hen Party (for women) or a party for everyone also known as a Stag and Doe or Jack and Jill. There are no shortage of names for these kinds of money-raising events which consist of lots of drinking and plenty of fun games. That’s only the first stage because there may also be a wedding shower, Bachelor Party, Bachlorette Party and so on mainly orchestrated by the wedding party, family or friends. Some pre-wedding events are merely just getting out for the last time as a single male or female and partying with your friends. Personally I didn’t go out with my mates or have a Stag Party. My wife and I were pretty low-key about our wedding and saved the money ourselves, although it was a frugal wedding to begin with. A Stag […]

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When Your Food Budget Is Out of Control You Should Do This! : The Grocery Game Challenge #2 Sept 14-20,2015

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FINANCIAL TRUTHS OFTEN HURT   Most people struggle with an out of control food budget and maybe why you might want to read this post today. I’m here to tell you that there is only one thing you can do to fix your out of control food budget. Don’t worry, I’ll get to it below but I want you to read something first. Unfortunately, not everyone is ready for the truth when it comes to debt and their money until they need to do something about it. Self-control is easy for anyone to forget until we have to consider it in our lives. For some people it’s easier just to live free and go with the flow which only works on certain aspects of our lives. Our worst enemy was using coupons because we spent more than we should have just to save money. It turned out we bought too much food, went over budget and wasted quite a bit in the end. We kept telling ourselves that it would save us money in the future. To an extent it did BUT it got to the point we had no interest in the tonnes of food we were stockpiling. We […]

Could you survive a recession in Canada? : The Saturday Weekend Review #137

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EVERYONE VIEWS MONEY DIFFERENTLY   Whether the economists believe Canada is in a recession or not the fact remains that we should be prepared. If you’ve noticed that your pay rise has been overlooked or even so slim you’d hardly tell a difference in your bank account, you’re not alone. Even though Canada added 12,000 jobs in August the unemployment rate went up and sitting at 7.0 percent. This happened because there was a large drop in part-time jobs. These are the jobs that most people rely on for extra income or to make ends meet. I read an article about the so-called “Recession” in Canada presenting what questions would most often come up over and over and what expert economists had to say about them. In Canada we’ve been through 12 recessions since 1926 which is when data started being recorded. It is said that we go into a recession about every 7 years which is why we shouldn’t overlook the obvious, our own finances. A recession is a BIG deal and although I’ve only been in Canada since 2007 I was here to feel the financial crunch of 2008 which was big for us. My wife’s investments like […]

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Top 5 Grocery Shopping Methods Revealed…What’s Yours? : The Grocery Game Challenge #5 Aug 31-Sept 6, 2015

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THE RIGHT AND WRONG WAY TO GROCERY SHOP   Honestly, there is no right or wrong method to go grocery shopping BUT there may be consequences if you overspend. While at the grocery store today I wasn’t in the mood for any shopping so my wife led the way with our handy grocery list. What I did do was people watch other grocery shoppers while they were shopping. I guess you could say I was creeping their shopping carts. At the same time I was trying to figure out their shopping method because I realize that not everyone is as organized as we are and walk into a grocery store armed with a grocery list. I observed one woman walk through the grocery store doors with her cell phone in one hand chatting away and a basket in the other. She would wander around the store just grabbing items off the shelf as she toggled the phone from from her hand to her neck and ear. I started to follow her from a distance and noticed she had no interest in sales because she put the more expensive products in her basket as opposed to comparable products on sale. I’m […]

Why Are You Being Frugal When You Don’t Have To Be?

why are you being frugal when you don't have to be

MIND YOUR OWN FINANCIAL BUSINESS   The whole saving money and being frugal movement is always filled with people who just don’t get it. Wanting to save cash is not a new concept even if you think someone shouldn’t have to. It’s amazing how saving money ideas are crucial when running a business but not when it comes to personal finance for some people. Even if you don’t own a business you can bet your employer successful or not is always looking for ways to curb spending. You don’t have to be budget poor to live a frugal life and you can be rich and frugal at the same time-Imagine that! Mrs. CBB and I were at a friends dinner party about a week ago enjoying some of the finest foods including triple brie, prosciutto, melons and a main dish that we would only make for a special occasion. I guess that means we were all special. Most of the people in attendance would be considered “rich” or “well-off” because they own successful businesses or have thriving careers in the medical field. My wife and I don’t typically talk about personal finances with anyone however sometimes we’ve been happy to […]

3 Ways A Budget Can Help Ease Your Money Stress : July 2015 Budget Update

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FINANCIAL HARDSHIP CAN WEIGH YOU DOWN   Money stress is no stranger to most people simply because they’re not made of money and everyday bills can cause people to juggle money to make ends meet. When someone is deep in debt and the money stress is building up it can get overwhelming trying to find a way out. I’m not a financial advisor nor a doctor two people you may want to meet with if you feel you just can’t handle your money situation. If you’re up for the challenge I can assure you a budget will get you back on track. It may not happen right away BUT you will slowly feel the release of stress once you know where your money is going and how much you have left every pay to spend. While searching Kijiji this month for some used items for our son we noticed good friends of ours selling stuff. If you sign up for Kijiji and use the mobile app it shoes you people in your neighbourhood who are also selling items. This is great because if your neighbour has something you want to buy you don’t have far to go. It was a […]

How Should We Budget $5000 of Discretionary Income?


PLAYING WITH SPARE CASH   Not many people can say they have extra discretionary income kicking about every month where they have to drum up ideas about how to spend it.  For those of you that do you can still manage that money with a budget if you want to stay on track with your financial goals. When Mrs. CBB and I paid off our mortgage in April 2014 it was a grand time for us. We managed to break down our mortgage into pieces and pay it off far sooner that we had ever dreamed of. The reason that happened was due to perseverance and a drive to be successful at whatever we did. I guess in a way we were pushing ourselves to earn more money but we knew in the back of our minds that it was all stepping-stones for our dream career roll. Now that our mortgage is paid we have lots of discretionary income which we just recently worked into our budget. Lots of people would be more than tempted to start spending money especially if they’ve hit it big time and the money is rolling in.   What is Discretionary income vs. Disposable Income? […]

How financial management led this man to pay off $20,000 of debt : June Net Worth Update 2015 (+0.22%)


YOU ALWAYS HAVE A CHOICE   When it comes to financial management of your money there is no excuse about not knowing why you are in debt, besides the obvious. Calculating personal net worth is a controversial topic in the personal finance world only because everyone calculates their worth a little different. Some people may add liquid assets such as “stuff” they have acquired over the years as well vehicles and their primary residence. Others may not.   Financial management starts now   Whether you hire someone to manage your finances or you do all the leg work and management yourself you know that this task never ends. Money will always be a mission on the monthly “To-Do List” no matter how rich or poor you are. It’s been years now that my wife and I have been calculating our estimated personal net worth but we never quite gave much thought to the motivational aspects of knowing “What am I worth?”. What I mean is how taking charge of our finances have influenced our mindset. Financial management of our assets and liabilities didn’t come into play until we bought our first house together after we were married BUT we could […]

When should you stop using a household budget? : June 2015 Budget Update

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HOW IMPORTANT ARE YOUR FINANCES?   A household budget sounds so “old school” especially with all the new technology we have today but it’s not. Not much has changed with the household budget apart from the ability to use other forms of budget tracking rather than paper and a pencil. Even so, many people continue to track their household budget the easy way because it’s something they are used to doing. Let’s remember that for further down the post. “It’s something they are used to doing”. Learning how to manage your finances can be as complicated or easy as you want to make it. Everyone has a unique financial situation which may take little to no effort at all or lots of undertaking. Your household budget may be weekly or monthly like ours and at first it seems like a huge chore and it is but over time once you start to see the benefit (and you will). Then,  you might never want to let it go even after you pay off all of your debts. There is some sort of an emotional attachment to the household budget every month comparable to wanting to eat healthy, exercise and be happy […]

Woman Confesses Shopaholic Game Helped Pay $10,000 Debt : The Saturday Weekend Review #128

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WINDOW SHOP UNTIL YOU DROP   If you are scratching your head wondering what on earth the Shopaholic Game is trust me, I was too No, I did not invent another game to help all of you save money however I certainly realized just how a challenge can motivate someone to save money and pay off debt. Not everyone can create success alone but when there are a few people involved with the same goals in mind it becomes a challenge of who’s going to make it to the end victorious. It’s not everyday someone drops the term “Shopaholic Game” into a conversation BUT this is what happened to my wife this past week while we were coincidentally out shopping. I don’t know what it is about when we get together with friends BUT money always seems to pop into the conversation and we aren’t the initiators. Trust me when I say we don’t talk much about finance with family and friends however we are always more than happy to hear what’s happening in their financial lives. Since we went home for the Canada Day Holiday this past week my wife decided to meet up with a friend at the […]

Budgeting the cost of Canada Day Celebrations : The Saturday Weekend Review #127

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EXPENSES CAN ADD UP   Each time there is a holiday in Canada we have to make sure our budget accounts for the costs involved and Canada Day Celebrations is one of them. Before our son came along we didn’t spend much on Canada Day and you might not either but it’s not just people with kids who spend more. There was no dressing up (yes we were boring but not any longer) but we did participate in watching the Canada Day parade. The cost to us was merely time and gas to get to the parade which is peanuts and no need to budget because our gas category in the budget picked up the tab. Not everyone spends lots of money for the holidays and we were the couple who didn’t get too involved although we didn’t mind watching the fireworks from afar. That was our July 1 Canada Day Celebrations for many years but this is all going to change.   Grocery shopping and Canada Day   Not only are stores marketing Canada Day Celebrations to their advantage by offering amazing deals leading up to the day, they’re practically pulling you in the door. I was reading the […]