grocery game monthly challenge

12 Practical Ways To Afford Expensive Food For Less : The Grocery Game Challenge 2016 #4 Sept 26-Oct 3

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The most expensive meal you will ever eat is the one you can’t afford.   When you crave the most expensive steak but your budget can’t afford it there are ways to get what you want but the key is, patience. Luxury food differs from person to person depending on their grocery budget but it is possible to splurge without paying the price. Most frugal consumers read the flyers and create their grocery list based on that alone. If you really want something that you just can’t afford it’s important to be mindful when you grocery shop. By that I mean scanning for prices. You may not be able to buy it at that moment but eventually you’ll get what you want. We get a bit happy in the grocery store if we find 50% off packages of bacon or other expensive food that we would never buy full-price unless we had to. Even then we may never buy some of the more expensive food on sale because it’s not practical for our family. Over the years we’ve experienced just about every way possible to purchase expensive food that we wouldn’t typically try for less. You may buy a fattier […]

Fixed Income Seniors Struggle To Learn How To Budget

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DON’T LEAVE YOUR FINANCIAL DREAMS SCATTERED ON THE GROUND   Learning how to budget after never using one has caused two seniors we know anxiety over their financial future. If they could do it all over again they would change so much about the way they managed their money. They know they can’t turn back the clock and must face the reality of living on a fixed income with little to no retirement savings and lots of grandchildren. They are not alone as many Canadians on a fixed income struggle to make ends meet and must juggle their money to balance their budget, if they use one. Living on a fixed income is a big deal especially for seniors or individuals who rely on money from sources other than from an employer. Cost-of-living increases can cripple those who live on a fixed income especially if they have no other sources of extra money to take from. People are talking about finance and income so much these days particularly in Ontario because most people are struggling with soaring utility costs and high debt loads. Comparing a Hydro bill to a mortgage payment is not unusual for some homeowners these days. If […]

Warm Cauliflower Bacon Salad with a Buttery Hot Apple-Cider Vinaigrette

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There are recipes with cauliflower but not like this Warm Cauliflower Bacon Salad topped with a luscious buttery hot apple cider vinaigrette. This cauliflower salad IS the best cauliflower salad recipe for the upcoming seasons and we’re sharing the recipe with you today. This warm cauliflower salad is so good that my wife ate the entire dish before touching her meal. She said it was just so hard to stop eating it because the cauliflower and bacon pair up so nice together. It’s true.   Finally cauliflower is reasonably priced.   Cauliflower has dropped in price from $8.00 a head to $0.88 on sale at grocery stores and farmers markets across Canada. The winter will bring a spike in price for cauliflower and other imported vegetables because of the Ontario climate but don’t be afraid to add it to your grocery list. Cauliflower is very nutritious. This cauliflower bacon salad is perfect for Autumn and Winter or even serve it at Thanksgiving or Christmas dinner as a side-dish. My wife enjoys a low-carb lifestyle which means our son and I also enjoy the odd recipes with her because they are that delicious. I’m not a huge fan of raw cauliflower […]

5 Reasons Why You Should Build Wealth From The Inside Out : August Net Worth Update (+0.95%)

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  BUILDING WEALTH FROM NOTHING IS NOT IMPOSSIBLE AND WORTH THE CHALLENGE   You can’t be financially successful unless you’ve created a personal manual and mastered it which is why it’s very important to build wealth from the inside out. What does all this mean? It means you need to have a purpose before you can fulfill your financial dreams and the only way to achieve this starts with-in by writing a story. To build wealth you must do 3 things; Plan it, Master it, Live it.   Build wealth without fear of failure   1. Investigate step by step the reasons why you want to be financially free. Once you have a clear view of your path or even an inkling of where you want to be it will help you take the first step. For example when Mrs. CBB and I decided to use a budget we talked about why we wanted to use one and wrote down some key points to make sure we were on the same page in the manual we were creating to build wealth. 2. Create a strategy and a sketch It’s great that you have ideas but you need action steps to […]

grocery game monthly challenge

How To Hire The Right Caterer For Your Next Event : The Grocery Game Challenge 2016 #2 Sept 12-18

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THERE’S LOTS TO THINK ABOUT WHEN HIRING A CATERER.   I’m a guy who loves to cook but for smaller crowds. If you asked me to cater an event there’s no way I’d keep up because I simply can’t handle the stress of knowing I might mess up. This is where hiring a caterer comes in handy. The catering business is a big business all over the world because food is love and when there is a special event the caterer is there to ease the stress of the day. Catering is a hard-core business with competition fighting for top spot to take charge of your event. Over the last month I’ve received 2 emails from fans asking me about budgets and catering events they were planning so I thought I would address how to hire the right caterer and some budgeting tips. There are two types of caterers In-house or On Premises Catering (Food is prepared in-house) Off-Premises Catering (Food is brought in) The only reason catering may not be an option for your event is because of a low-budget or availability. Catering comes with a price tag similar to getting restaurant service or fast-food. You get what you […]

Add 1 Cup of Budget Inspection And Watch Your Bread Rise : Our August 2016 Budget Report

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DON’T MAKE THIS MISTAKE WHEN CREATING YOUR FINANCIAL RECIPE.   By mistake I don’t mean turning the oven on and burning your budget either as I know some people despise using a budget. I have nothing against you because what’s yours is yours and what’s mine is mine. Those of you who WANT to get RID of DEBT and build a thundering savings account and sizable retirement fund I have one unique financial tip for you-learn to read a recipe. I’m not the Mike Holmes of Budgeting nor the Jamie Oliver of the kitchen but I do know how to read a recipe and I do know how to use a budget. What I’ve learned is that it’s not about just the planning stage it’s everything in between and on-going maintenance similar to being a homeowner or naked Chef.   Read a recipe and savour your budget   Once you understand the basics of a recipe especially when it comes to baking you will understand just how precise you need to be to have the best product. Finding a recipe you are interested in creating at home means you should read the entire recipe from beginning to end. Today we […]

grocery game monthly challenge

5 Cheap Lunch Ideas To Get You Through The Week : The Grocery Game Challenge 2016 #1 Sept 5-11

5 CHEAP LUNCH IDEAS TO GET YOU THROUGH THE WEEK

BE KIND TO YOUR GROCERY BUDGET AND DINE-IN FOR LUNCH   You don’t need to eat steak and mushrooms for lunch nor do you have to create an elaborate spread to bring with you wherever you travel for the day. There are plenty of cheap lunch ideas that are delicious, filling and will cost you less than what you’ll pay at those money-making fast-food industry giants. One of the biggest reasons some people spend less on groceries is because they are eating out and making excuses why they can’t eat at home. If someone tells me they spend $100 a month on groceries such as I often ask how much they spend eating out. The reason is because we forget about those expenses BUT they are still part of your food budget because you are replacing the grocery store or farmers market for fast-food or restaurant options. If you tell me that you have an eating out budget I’d say good for you, however if your goal is to save money you could consider getting rid of or limiting the amount of money you spend on eating out, unless of course you can afford it. You wouldn’t be reading this […]

5 Motivational Inspirations To Consider While You Bulldoze Debt : The Saturday Weekend Review #188

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IF DEBT BOXES YOU IN THERE ARE WAYS TO HELP PULL YOU OUT.   Becoming a motivational push for those who have large amounts of debt isn’t as easy as it sounds even if you are debt free and have been down that same path or a similar one in the past. When I started blogging at Canadian Budget Binder I didn’t realize how much of a motivational inspiration I would be to many of my fans. I thought I would be writing for myself but almost 5 years later and thousands of readers I have an audience that  motivates me to share our financial experiences and those of other fans. If I didn’t believe that I was influencing my readers in any way especially by letting them into our home and financial world I would have quit blogging years ago. That’s clearly not the case as my readers are my rock. The sheer amount of emails that I get from fans looking for budgeting tips or sharing with me their success stories because they read my blog motivates me to keep on writing. Do you see how this works? You give, you get, you give, you get. It all […]

The Ultimate Back To School Savings Guide : The Saturday Weekend Review #187

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GET YOUR BACK TO SCHOOL BUDGET READY BECAUSE STORE SHELVES ARE STOCKED AND WAITING FOR YOU!   The back to school promotion campaign for your hard-earned money is on as just about every store in Canada is ready for their biggest sales event during the month of August. I’ve been in and out of the education system over the years and with this experience I’ve come up with some frugal ways to keep back to school expenses low. Just a fair warning but a beverage is essential when reading this post because it’s longer than normal. For those of you who want to stick to a limited school budget it’s worth the read especially for those heading back to class or have kiddos they need to get ready for back to school. Back to School Tip #1 Don’t get a credit card! You don’t need one especially if you’ve worked your butt off all summer and saved your money. All a credit card will do is create debt for you which you don’t need especially if you have student loans to pay back. Stick to personal financial safety and walk away from the credit card. By now you should already […]

Investing Returns Pave The Way To Financial Independence

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  KNOW WHAT YOU WANT NOW SO YOU CAN PLAN FOR THE FUTURE   Reaching financial independence, the point where your investments cover your lifestyle and then some, is the ultimate goal if you want to retire comfortably. And in a perfect world, you would like that to happen sooner rather than later. I have good news for you today: it is absolutely feasible if you put in the right amount of effort and dedication. Yes, even on a small budget. Take a look at the CBB household for instance. They’re worth over $800,000 and on track to pass the million dollar mark by this time next year. And as a faithful reader, you know Mr.CBB is just your regular guy, who started a bit above minimum wage 8 years ago. He has worked two jobs for years and carefully budgeting every cent to make sure his family is safe financially. Related: 5 Simple Rules We live By To Stay Debt Free There you have two of the three steps to financial independence: earning as much as you can, and spending as little as you can. The third part is where you can actually accelerate the process quite a bit: […]

grocery game monthly challenge

5 Critical Pointers To Slash Your Costly Eating Habits: The Grocery Game Challenge 2016 #4 Aug 22-28

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GROCERY SHOPPING WITHOUT A BUDGET IS A RECIPE FOR DISASTER   No matter what your eating habits are like it’s imperative to grocery shop with a food budget and balanced meal plan in mind. If you want to develop smart grocery shopping habits start by practicing what the food shopping experts are doing to save money. It appears that after every holiday or before seasonal changes that consumers go wild to eat healthy food and begin healthy eating habits but at the cost of their grocery budget. Then there are consumers who don’t care about healthy and buy anything and everything that they can’t afford because the products are regular price, over-priced or simply not nutritional based for a balanced diet. Buying too much junk food is one of the leading factors of high-priced eating habits that must be contained before they get out of hand. Costly good eating habits Healthy nutrition doesn’t mean you have to spend beyond your means just to eat well. Good eating habits begin with food basics such as those outlined in the Canada Food Guide. The problem is when people have a tight-budget and over-spend on pricey steaks, seafood or shopping in bulk at […]