grocery game monthly challenge

How To Grow A Budget Vegetable Garden From A Homestead Expert : The Grocery Game Challenge 2017 #3-4 June 19- July 2

GARDENING HELPS KEEP YOUR FOOD COSTS DOWN WHILE INSPIRING IMAGINATION.   This year may be the year you decide to finally grow a vegetable garden in your front or back-yard. Gardening can be as inexpensive or costly as you’d like depending on how you approach it. My name is Karen from the blog Lil Suburban Homestead and I hope I can inspire you to get out and dig with our best kept secret vegetable garden tips. To start your vegetable garden you may feel a bit intimidated, don’t be. To ease your worries I’ll share with you our success and failures over the years. We’ve been through it all which has helped us become homestead experts for our family. Sometimes failure is only the beginning to your success.   Beginning to vegetable garden is about learning   When we started our vegetable garden let’s just say our first attempt turned into a failure but not without a learning experience. I was disheartened but not discouraged from continuing my quest to grow home-grown, delicious food!  I guess you could say it was in my DNA as when I grew up my parents always had a tiny garden but I always wanted […]

Mortgage Freedom Means You Still Need To Run : Our May 2017 Budget Update

EVERY DAY IS LIKE A FINANCIAL ROAD TRIP WITH BUMPS, DETOURS, GREEN LIGHTS AND FLAT TIRES.   Teach me how to get rich my sister-in-law asks me surprisingly a few weeks back since finding out we’ve been mortgage free 4 years as of May 2017. I don’t know about the “Rich” part but I can certainly talk for hours about budgets, frugal living and the importance of it all.   Mortgage Freedom is just the beginning   Since burning our mortgage papers Mrs. CBB and I have done one thing that some people might stop doing. Do you want to know what it is? Of course you do. Related: How we became mortgage free in 5 years We never stopped with the financial discipline we’ve ingrained into our routine over the past 10 years. Sometimes it’s hard to look back and think it has been that long but not really when you consider the life of a typical mortgage is 20-25 years. I don’t have all the answers but I do know that if you aren’t prepared to invest in your finances then you must deal with what you have. I don’t care if you’re already rich, collecting welfare, earn […]

Inexpensive Beach Essentials You Should Pack This Summer : The Saturday Weekend Review #227

GOING TO THE BEACH THIS SUMMER? DON’T LEAVE ANY OF THESE BEACH BAG ESSENTIALS BEHIND!   Planning a road trip to the beach is like camping for a day in the sand which means packing all of your beach essentials, including the kitchen sink. Add kids to the mix and you’re sure to have your hands busy, but it’s all about family fun. Laugh away but I’m sure many of you are guilty of bringing too much stuff to the beach as if you were next in line to be stranded on a desert island. Not a dessert island a desert island even though hanging out on an island filled with sweets wouldn’t bother me one bit. The point… Don’t Pack too much unless you are going to a remote location with no amenities for miles. My wife is the worst at over-packing to go ANYWHERE! If it’s not her purse bulging at the seam her luggage (laundry basket) is filled to the top with clothing just for a simple few days away from home. “You never know what you will need”, she always says but also notes how often she hardly puts a dent in that white laundry basket. […]

7 Facts about Credit Card Loans That make them Overshadow Bank Loans

FROM TIME TO TIME YOU MAY BE FORCED TO MAKE FINANCIAL DECISIONS WHEN YOU DON’T HAVE AVAILABLE SAVINGS.   There are options with-in reach for those of you who are struggling to get ahead provided you find one that works with your budget. In this era of digital transactions, credit cards have a myriad of uses ranging from cashless transactions, reward points to special deals. In fact Mrs. CBB and I typically only use our credit cards to make purchases because of the perks. We pay our credit card in full at the end of the month and hardly ever have to step foot into our bank. Credit cards offer the convenience of shopping almost anywhere across the globe with a swipe, tap or insert payment option. If handled correctly credit cards can be a source of freebies and financial help in the event you are stuck without emergency savings as back-up. Even if you do have savings, sometimes they are just not enough depending on the circumstances. In addition, you can access a fast pre-approved loan within and sometimes over their credit limit. The company advances you the amount that you can pay at a later date with a […]

grocery game monthly challenge

The Ultimate Kitchen Renovation Meal Survival Guide : The Grocery Game Challenge 2017 #5 May 29-June 4

LIVING THROUGH RENOVATIONS CAN BE TOUGH FOR MEALS BUT NOT IMPOSSIBLE IF YOU PLAN AHEAD.   It won’t be long before Mrs. CBB and I start thinking about our kitchen renovation that has been in the works for 8 years. We decided to wait because it was important that we saved the money first so we could finally get our dream kitchen. When is the best time to think about beginning a kitchen renovation? Never. It sucks to live through it BUT think about the end-goal and how exciting it will be to bring your visions to life. As soon as the snow melts and the windows are opened in our house all we hear is large delivery trucks, hammers, drills, saws and plenty of renovation noise happening. That being said a kitchen renovation during any season other than winter seems to be your best bet. Since we plan to live in our home until our son graduates elementary school it seems reasonable to renovate the kitchen to suit our growing family. Right now it’s functional but needs a face-lift and a dishwasher would be nice so I can quit my side-job.   Eating out during a kitchen renovation   […]

Important Tips To Protect Yourself From A Roofer Scam Artist

IT’S SO EASY TO GET CAUGHT UP WITH THE COSTS OF LARGE RENOVATIONS THAT IT’S SIMPLE TO MISS THE SIGNS OF A SCAM ARTIST.   When we bought our current home in 2009 we knew that we would have to put a new roof on with-in a year or two as it was the original. By the time we got the keys to our new home the roof was already 15 years old and the 20 year builder grade shingles had seen better days. The average cost to install a roof on a 1500 square-foot home in our area is between $6000-$8000 dollars. How long would it take you to earn and save thousands of dollars? You wouldn’t want to see your hard-earned money walk away but for many unsuspecting homeowners a roofer scam artist can take them to the cleaners. If you’ve been scammed by the roofer scam you’ll know how it feels to lose a big chunk of money or be left with significant repairs or damage by an unskilled roofer. Not all home insurance policies will cover roofer scam artists let alone their shady work. Always read the fine print on your home insurance policy and if […]

How to Save Money on Airfares Using A VPN

TRAVELLING WITHOUT THE HIGH COSTS MEANS A BIT MORE WORK SOURCING DEALS BUT WORTH THE EFFORT.   We often do a lot of traveling, whether it is for business ventures or vacations. In fact, we’re heading to the UK next month for the first time since I moved to Canada 10 years ago. Travelling to Europe isn’t as cheap as it was when I lived there. I was able to score some great deals and travelled to many countries for cheap and vacationed like a king on a budget. In today’s technologically advanced world, we can hardly spend time away from our digital gadgets. We need to check our Facebook accounts, watch the trending videos and keep our friends updated about our whereabouts — even when we are traveling. But in doing so, we often risk our online security. Especially when we use the public or semi-public Wi-Fi at the airports, train stations, cafes, and hotels. Related: How I budgeted my travel expenses for work and for play Anybody using the same network can track your activities and fetch the information (usernames, passwords, credit card numbers, etc.) you send over the Internet connection. However, a VPN can be your savior. […]

How To Build Your Wealth Without Earning Big Bucks : April Net Worth Update (+1.96%)

YOU MUST BE EARNING BIG BUCKS IF YOU’RE DEBT FREE- Not exactly.   The misconception that you must be rich and earning big bucks if you’re debt free is SO WRONG. The first thought that comes to mind when a young person says they are debt free without a mortgage is that they must have inherited money from someone. Typically the parents are the first target of interest, but does that really matter? Not really. It helps but it’s not often parents have the spare cash to dish out but for those that get that kick-start if they aren’t money-wise they could lose it all. Buying a house depending on where you live in Canada is becoming out of reach for many people especially millennials looking to get into the real estate market. A recent house sale on our street went for nearly $700,000 at just under 1400sq feet. Have a look at how much we value our house at in our net worth chart below and you’ll see what I mean. Manulife Bank issued survey results on Tuesday that suggest 45 per cent of millennial home buyers received a gift of money or a loan from family. That compares […]