How To Break The Debt Cycle Once And For All

WOULDN’T IT BE NICE TO  WORRY LESS ABOUT MONEY?   Yesterday we make a trip to the Dollar Store to pick up some bits for an educational project I’m working on for our son. Outside on a bench sat a homeless man in his 30’s, scruffy looking but alert. He looked up at my wife as we walked by and asked if she had any spare change. She did and she smiled and without passing judgement or any hesitation handed him two Toonies. He smiled, thanked her and we went on our way. You obviously can’t do that for everyone but once in a while if you’ve got some spare change it may make a difference. Just behind us was another lady who he only looked up at when she was walking in. Her response, “No, get a job a$$hole and stop being lazy” and Mrs. CBB nearly hit the floor. She turned around and just stared into the woman’s eyes and walked away as you can’t fix stupid. The entire time we walked around the shop Mrs. CBB was thinking about him and decided to buy him a bag of chips and a bottle of pop. When we went […]

How To Estimate and Plan Your Canadian Retirement Budget

ALL WE CAN CONTROL IN RETIREMENT ARE OUR SPENDING HABITS   We often over-estimate how much money we will need in our retirement years when we are healthy only because we have this bucket-list of things to do and want to make sure the money is available. The sad part is that not everyone will get to cross off places they want to visit or things they want to do because of the funds aren’t available, health decline or travel insurance is far too expensive. When my father-in-law passed away earlier this year my mother-in-law was left to pick up the pieces which in all honesty was a terrible mess. Shortly after she was deemed unable to care for many things on her own we had to step in and do her finances for her. This is how dementia starts to rob you of your independence, slowly even though we can look back and now see it has been happening for years. With no income coming in but a small Canada Pension Plan cheque which she managed to get early when she didn’t need it that’s really all the money she had coming in. Had she been in the right […]

grocery game monthly challenge

Freebies We Get From Our Favourite Canadian Grocery Store : The GGC 2018 #1 October 1-7

FREEBIES ARE A GREAT WAY TO ADD VALUE TO YOUR BUDGET, LOWER STRESS LEVELS AND INCREASE SMILES   We took the opportunity this week to explore what freebies we could find at Zehrs one of our favourite grocery stores so we could better understand what we may have been taking for granted or overlooking. Have you ever said, “Oh, I didn’t know you could get that for free?” and then smile. It happens to us all the time and most consumers who find value in freebies that relate to them feel the same way. Everyone has to eat which means making a trip to the grocery store so finding out you can get freebies where you shop is one of the best smiles of our day. Not everyone wants the frills that comes with a mid-priced grocery store because they have zero to no interest in freebies but for those of you who do the perks are out there. Some of the best grocery stores in Canada offer stellar prices but without anything more for the customer where others have higher prices, yet competitive with red carpet appeal. What this means is that you are less-likely to find all of […]

Reasons Why Overpriced Home Selling Is A Big Mistake : The Saturday Weekend Review #263

IF YOU WANT A SOLD SIGN AVOID LISTING AN OVERPRICED HOME   If you’re thinking about putting your house on the market one of the worst things you can do is list and overpriced home for sale. A motivated seller will list their home appropriately according to market value but those who want more may go above and beyond but that comes with many risks. Over the past few months our neighbour found their dream home out in the country and the only way they could look like serious buyers was to list their house for sale. The only problem was that the house they were interested in was a bit over their budget so they took a house with a market value of just over $700,000 and listed it for $900,000 which was grossly inflated. There were two reasons the homeowner told us for this and one was again to look serious to the seller of the home they put an offer on and in hopes someone rich would come along and buy their house without question. We live in a popular area of the city where homes don’t often come up for sale so when they do you […]

grocery game monthly challenge

Purchasing Weekly Groceries Offers The Best Customer Perks – GGC 2018 #3 Sept 17-23

Honestly, how many times do you really need to go to the grocery store each month?   Today I want to explain why I believe buying weekly groceries will save you more money in the long-run provided you stick to your budget. You can ask just about anyone about grocery shopping and you’ll soon see that views differ based on lifestyle and the enjoyment of planning and executing a trip to the shop. Honestly, how many times do you really need to go to the grocery store each month? This is what my neighbour said about his wife who must grocery shop once a week. Well, that depends on your meal plan, cooking methods and if your plan is for weekly groceries you may come out ahead with the better deals while giving up time.   Time differs for everyone, let me explain.   Over the years Mrs. CBB and I have trialed different times of grocery shopping such as shopping bi-weekly, weekly, once a month and daily and each offered us something different. Before we had our son for example it was a breeze doing weekly groceries or even daily because we could without any issue. Add couponing to […]

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