How To Create a Results Driven 2018 Personal Budget Plan

A BUDGET IS NOT JUST ANY BUDGET, IT’S YOUR BUDGET   At the end of each year and during the first month of the new year I often get social media bombed by readers of this blog about creating a personal budget plan. This is great news though because it tells me two things; You want to learn more about budgeting You care about your money It is often this time of year when debt weighs heavy on people because we’ve just finished Christmas and the new year signifies fresh beginnings. I feel as a finance blogger who specializes in budgeting, debt and frugal living that I should always send out a yearly reminder about the importance of budgeting for everyone. This is why financial and personal goals start at the beginning of the year for most people at which time they are 100% committed, for a minute and then forgotten. Don’t lump yourself in that pile because you’ll never get ahead without that drive to succeed. By all means you don’t need to use a budget to be successful but I fully believe that using a budget will always outweigh not using one. Not everyone who wants to start […]

Santa, All I Want For Christmas From A to Z : The Saturday Weekend Review #246

NOT EVERYTHING FOR CHRISTMAS COMES WRAPPED IN A BOX   I often reflect on just how lucky I am to have such a wonderful family and know that I don’t need anything more but happiness in my life. Money is nice too BUT it won’t make or break what it is inside my heart. This has become my new rich and because of the way my financial mind has changed over the years no one can stop me from putting family first, not even money. I won’t make this a long post today because I realize most of you will be out doing some last-minute Christmas shopping, wrapping gifts, baking, drinking, partying and maybe even catching up on sleep.   Just more smiles   Funny how the mind of a child works. Perhaps adults could learn a thing or two about looking outside the box, literally. Yesterday as the doorbell rang and Mrs. CBB opened it to find more Amazon deliveries waiting to be brought in the house. If you’ve ordered from Amazon Canada you know that every box comes with the signature arrow from A to Z. Our son can’t understand why Amazon keeps sending us boxes of smiles. […]

Easy Cherry Almond Cake

A FESTIVE CHERRY ALMOND CAKE SURE TO PLEASE EVERYONE   Cherry Almond Cake is a must-have fresh-baked cake in our household for the Christmas holidays. I, like lots of other people do quite a bit of home baking for Christmas but prefer to do more easy cakes and squares rather than cookies. Last week you might remember my Frosted Apple Cinnamon Rolls drenched in a silky glaze, perfect for Christmas morning with a cup of tea or coffee. You can make that too but first let’s talk about this simple Cherry Almond Cake that even a novice baker can make. Each year around November I pull out my collection of traditional Christmas recipes to start preparing the ingredient shopping list. You’re always sure to save money on your grocery bill if you plan your Christmas baking needs ahead of time. Related: 20 Basic Baking Ingredients to Power Up Your Kitchen Over the years I’ve collected recipes from just about any outlet that I can. Sometimes, I will take a recipe and add my twist to it which I think most people do. That’s the great thing about easy recipes or those that you can add or take away some of […]

3 Foolproof Savings Tips For One-time Expenses : November 2017 Budget Update

TAKE THE STRESS AWAY FROM ONE-TIME EXPENSES THE EASY WAY   Over the years I’ve had many fans email asking me how to budget for one-time expenses when using a budget. This is no surprise as we’ve made our fair share of mistakes during our newbie years of budgeting. Let me explain. If you’ve never used a financial budget before for your expenses and are contemplating ringing in the new year with a fresh look on money, you’ve come to the right place. You won’t find any hard-to-understand information here as I tend to keep it simple. The key to budgeting is to start slow and to remember that your first go at budgeting might need tweaking. You may find that using budget jars works for you or stashing money in envelopes for the month. Some readers would not dare keep cash at home for fear of dipping into the jar here and there. Everyone IS different the way they handle their money. What’s important to remember here is that it really doesn’t matter what budgeting platform you choose as long as it’s working for you and not against you. How do you know if you’ve found the right or […]

One Simple Habit You Need To Help Beat Budget Anxiety : October 2017 Budget Update

YOU HAVE THREE SCOOPS OF ICE-CREAM-WHICH FLAVOUR IS ON THE BOTTOM AND WHICH IS ON THE TOP?   Simply believing that everything will work out for the best financially is comparable to telling a child money grows on trees. Near the end of each year I receive emails from fans who complain of budget anxiety for a variety of reasons. I often reply back with making one simple habit change to ease the pain a bit to help them move forward. No, I’m not Doctor Budget but close. Financial burden placed upon anyone is a weight that you either work hard to build the strength to lift it or will cripple you. Those of you who have been to financial hell and back know exactly what I’m talking about. The journey is never pleasant and comes with a myriad of emotions that can sometimes take over your world. Controlling anxiety no matter what the cause is and it can be multiple things is not easy to do especially when you don’t know where to begin. One of the best resources for your anxiety is yourself and others who are going through what you are experiencing or have surpassed this with […]

How To Prepare Yourself Financially For a Union Strike

A UNION STRIKE AFFECTS EVERYONE FINANCIALLY WHO ARE DIRECTLY AND INDIRECTLY INVOLVED   When a union goes on a legal strike not everyone is prepared financially especially when the union strike lingers on for weeks and in some cases months. I’ve followed current College strike news in Ontario as the teacher’s head into the third week on the picket lines and wanted to learn more about the financial plight that everyone suffers, including students and businesses. The last thing you think of when you start the College year whether you’re away from home or not is how you will survive a union strike. Listen, I’m not union expert but what I am certain of is the financial impact a union strike can have and I’ve got some critical financial planning tips today for those of you who work for a union or are directly involved with a union. Most of the post will revolve around the current Ontario Colleges Union strike as an example. What does it mean to go on strike? A union strike means that the union and management are unable to come up with negotiations that meet each others needs. After this the workers walk off the […]

grocery game monthly challenge

20 Basic Baking Essentials To Power Up Your Frugal Kitchen : The Grocery Game Challenge 2017 #1 Oct 30-Nov 5

STOCK YOUR KITCHEN WITH THESE MUST-HAVE BAKING ESSENTIALS   If you want to become your own frugal baker consider these 20 Basic Baking Essentials which I believe every kitchen should own. Today, I’m going to show you where you can find the best deals and even better deals if you’re down and ready for some old-fashioned thrift shopping. Bakery products such as muffins, cookies, cupcakes, squares and even cakes are expensive to buy because they are made outside of your kitchen. That’s obvious. This means that morning muffin you pick up at the local coffee shop might be costing your wallet big bucks. Probably just as obvious. If I asked customers who buy their coffee and baked goods from a coffee shop nearly everyday why I bet the reasons would go something like this. It tastes so good I don’t have time to bake I don’t know how to bake I don’t have room in my kitchen I don’t have an oven or it’s broken I don’t have the proper baking supplies to bake Baking is too expensive It will go bad before I eat it all if I bake at home It won’t  break the bank You might also […]

How Tracking Expenses For One Week Can Change Your Life

BLINDING DEBT IS THE WORST WAY TO GET AHEAD FINANCIALLY   All it will take for most people is one week of tracking expenses to stop, drop and roll because alarm bells go off and someone has to call 911. The only problem is that no one is going to put out your financial fire but yourself. Skip the I’ll pay tomorrow, next week, next month or forgetting about bill payments all around. This has to stop and if you can’t get your sh** together then there’s no point whining about money. Even someone who is on government assistance, working minimum wage jobs sometimes even two to get by can be better savers than the person who earns a higher income but doesn’t have a damn clue how to save it. I’m tired of people who have it all and can’t get it together and it’s the people who hit rock bottom that are climbing the financial ranks because they teach themselves about money and how it all works. You know, spend less, save more. It’s a simple way of looking at money even if you only have $5 to spare every month BUT that $5 surplus is going to […]

%d bloggers like this: