5 Inexpensive Gadgets All New Parents Should Own : The Saturday Weekend Review #220

IF YOU’RE LOOKING FOR A BABY SHOWER GIFT THESE GOODIES HAVE BEEN THE BEST PARENTING INVESTMENTS YET.   I’m sure many parents reading this can think back to some baby gadgets or products which made their new role as parents a bit easier. Hands up if you’re one of those parents who bought too much useless baby stuff just because you thought you’d need it. Yes, that was us. >>>Both hands in the air. Now that our son is almost 3 years-old (wow where did the time go) Mrs. CBB and I have gone through boxes and boxes and boxes and boxes of baby clothes (I know, right?) and piles of stuff we never used. The biggest problem was that we read too much, believed too much and fell into the “new parent syndrome” mode making sure we were fully stocked with what we needed. Related: How having a baby affected our monthly budget I will admit that we have boxes of baby diapers that haven’t been opened yet, clothes that still have the tags and other crazy things that have never come out of the box. We have a formula mixer that we bought just in case our son […]

How to become Financially Free in a How To World : March Net Worth Update (+1.46%)

HOW TO LOSE A GUY IN 10 DAYS…   Remember that movie? Even the relationship industry has poured their hearts out to those in need of motivation for years and making a mint from it. Why? The words How and To can be compared to gold because finding the answers to something you need or want is a relief, a big one. Becoming financially free was something I wanted from a young age even though I was still learning about what the heck it meant. All I knew is that if you needed something you had to have money to pay for it. I knew that you had to work to make money and that it wasn’t always easy to find a job unless you specialized in something that was needed. I ask myself, ‘How to’ do something when I don’t understand what I’m doing and Google it. I did lots of that when I was in University and I still do it today for just about anything I need clarification on. Is it all true what we read online? No, so before you rush out to make millions of dollars from licking envelopes be ready to embrace the good, […]

How To Lower Household Expenses Without Guilt : Our March 2017 Budget Update

THINK BEFORE YOU ACT ESPECIALLY WITH YOUR FINANCES.   Giving up something doesn’t have to mean giving it up for good. One comment I often hear when I offer budget help is that it’s so hard to reduce household expenses without feeling guilty. This guilt often leads to even more debt being created because of letting people down, including themselves. The provider(s) may feel they are not good enough to support their family which creates inner turmoil and struggles. No one wants to say you have to give something up, especially to a child. Anyone who has direct access to money or that is affected by the money will feel loss when something has to be chopped. A reader asked me how to deal with guilt while I was assisting them behind the scenes with their monthly budget. I know she will read this but now she’s in a better place and has her budget under control and her family is on board.   Guilty or not guilty   How do you deal with financial guilt? You don’t- You jump over it and move on. You need to keep things under control and by doing so you’ll gain support by […]

How To Make Quick Money From Used Goods

TURN USED GOODS INTO OPPORTUNITY EVEN AFTER YOU’VE USED IT.   When opportunity knocks there are people ready to jump on the financial bandwagon to make quick money even if it means picking up stuff for free. It may be bad etiquette to re-sell free stuff but it happens and it will continue to happen because money is opportunity for anyone who has a financial mindset or a need to survive. Your empty beer bottles, cans or anything that you would consider garbage or junk may be a gold mine to someone who is ready to turn dust into diamonds. Basically, if you’re not looking at everything you buy whether it be new or second-hand as a money-making opportunity someone else will. At least once a month or more if we can Mrs. CBB and I make a trip to the second-hand shops in town to see what new stuff is on the shelves. If you haven’t been it’s a money pot for anyone who is shopping for quick money purposes. The minute we walk through the doors of any second-hand shop we instantly have our money monitor turned on looking for the next opportunity. In a way it’s like […]

grocery game monthly challenge

10 Everyday Products You Should Sniff Test Before Buying : The Grocery Game Challenge 2017 #4 Mar 20-26

NEVER UNDERESTIMATE WHAT YOU ARE PURCHASING.   To smell is a gift and most often we shop with our eyes and nose because trying products first isn’t always an option. This is why you’ll see customers hovering around the sample booth on the weekends when the aroma of food permeates the air. Even displays of household products become attractive if customers are able to see them work. Costco is another store that offers samples to customers and the smell hits you the moment you walk in the store. It’s not uncommon to find out that a grocery store has artificial aroma sensors strategically placed around the store to motivate shoppers to buy more. These scent machines are far less expensive than hiring a sample company and they work. At Staples Canada a couple of years back we could smell the aroma of delicious coffee throughout the store as it caught us off guard. As coffee lovers it hit us hard and we wanted a coffee. When we were checking out at the cash we asked the cashier if they sold coffee and she said yes but that there was an aroma sensor on one of the main beams in the […]

grocery game monthly challenge

4 Expensive Impulse Food Purchases You Should Dodge : The Grocery Game Challenge 2017 #3 Mar 13-19

GROCERY SHOPPING IS LIKE WALKING INTO A CANDY STORE FOR ADULTS   Impulse buying behaviour is something that every consumer has to deal with whether you believe yourself to be an economical shopper or not. Frugal shoppers are as sensitive to the marketing process of luring shoppers into buying stuff they don’t need as are those who aren’t so thrifty. As you already know I’m a grocery shopper with eyes and ears and occasionally a mouth that engages in food-related conversation. Most often I enjoy observing and listening to what others are saying if they are in my vicinity. Don’t worry I’m not a grocery store stalker, just a nosey customer.   Types of Impulse food purchases   Over the past 5 years that I’ve posted our grocery shops in the Grocery Game Challenge I’ve been more attentive to what people are buying. I’m not the best at multi-tasking but since part of my hobby (this blog) requires knowledge about other shoppers I tend to snoop a bit. When you’re not looking I am because I want to know what you’re buying. I’m also interested in knowing what you’re reading on packages before you toss it in the shopping cart. […]

Top 6 Retirement Mistakes To Avoid [$1000 Give Away!] : The Saturday Weekend Review #214

STEER CLEAR OF THESE 6 RETIREMENT MISTAKES THAT CAN THROW OFF YOUR PLAN TO RETIRE COMFORTABLY.   We all hope that by carefully planning for retirement we will not have to worry about anything in the future. While making a plan does make you more comfortable and prepared, there are still ways that cause your retirement plan to derail.   Getting divorced   No one plans on getting a divorce, but life happens. Divorce is something that can have a lasting impact on your finances and subsequently on your quality of life. Even if divorce is amicable, legal fees can quickly spiral out of control in dividing the family assets. You probably saved money and made a retirement plan based on the assumption that there will be two people enjoying the family nest egg in the golden years. However, in divorce the savings will end up being divided among two households, which means less money for both of you. Marriage and Common-law partnerships needs to be looked after and time need to be spent nurturing the relationship and taking care of each other. Since at the end of the day it is both a romantic and a business relationship. This […]

How To Make Fast Money In Canada Using The 3 Z’s Of Finance : Our February 2017 Budget Update

WHEN YOUR BANK ACCOUNT NEEDS MONEY YOU NEED 3 SPEEDS OF EARNING POWER.   What would happen if your pay cheque was short $100 and you needed fast money to pay the bills? For many Canadians a small financial loss such as $100 is a huge hit to their monthly income. I know what it’s like to have an almost empty bank account in Canada. I’m the type of guy who likes to rely on myself so after Mrs. CBB and I got married I got down to business trying to figure out my earning potential. Starting from scratch in a new country is difficult just as it is for those who are already living here and have been for some time. It’s not about just who you know it’s also about the art of negotiating, communicating and networking. Living pay cheque to pay cheque is reality for many Canadians as prices soar in just about every budget category imaginable. Lately I’ve had some inquiries from readers who are either new to Canada, been here for some time or born here wanting to know how they can earn fast money. My first response would typically include me asking why they […]