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

BACK TO SCHOOL SAVINGS GUIDE

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

INVESTING RETURNS 2

  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

5 pointers to slash your costly eating habits cover

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 […]

How to Pay Cash For What You Need The Right Way : The Saturday Weekend Review #186

If the ice-cream cone in the above picture caught your attention make that a reminder just how easy we are swayed by things that tempt us.

JUST BECAUSE YOU HAVE THE CASH TO BUY SOMETHING DOESN’T MEAN YOU SHOULD.   Believe me when I say there is a right way and a wrong way to pay cash for something. Choose the wrong way too often and you’ll soon know why you should have chosen the other option that many people forget, savings. If the ice-cream cone in the above picture caught your attention make that a reminder just how easy we are swayed by things that tempt us. Wouldn’t it be nice if that was you enjoying that ice-cream cone? You deserve it, but can you afford it? Related: I can buy it but can I afford it? Not everyone can get credit but if given the opportunity it’s just as easy to burn a hole through plastic as it is to empty your bank account of cash. Just because you pay cash for purchases doesn’t make you a super-saving, shopping super-hero. What you are is someone who knows the difference between cash and credit but even then that won’t stop someone from spending more than they earn if they don’t care about their financial freedom. All of my life I’ve been surrounded by people who […]

Creamy Bacon Tomato Salad (Low-Carb)

BTM cover 1 creamy bacon tomato salad

ORGANIC PRODUCE HAS SOME OF THE BEST FLAVOURS IN THE WORLD   I wasn’t sure if I should call this recipe Tomato Bacon Salad or Bacon Tomato Salad so I went with both only because there’s lots of cherry tomatoes and tonnes of bacon! There’s no pasta or bread in this creamy Bacon Tomato Salad that I’ve created from organic vegetables and herbs from the garden. All you need is a fork, an appetite for freshness and a love for tomatoes and bacon. My wife who enjoys a low-carb/Paleo diet said she was in the mood for a bacon tomato sandwich loaded with mayonnaise on oopsie bread or savoury low-carb waffles. The Oopsie bread and waffles are alternatives to adding extra carbs from eating traditional breads but we didn’t have any made. I’m not a fan of the oopsie bread but when you stop eating bread anything that looks and tastes like bread is a sure winner. Related: Grocery Shopping for a Paleo Diet With the humidity and heat in Ontario reaching unbearable highs turning on the oven was the last thing we wanted to do. We were fortunate enough to get a huge bowl of organic cherry tomatoes from […]

16 Action Steps We Use To Get Ahead Financially : The Saturday Weekend Review #185

16 ACTION STEPS WE USE TO GET AHEAD FINANCIALLY cover 2

YOU WILL NEVER FIND A MANUAL FOR SUCCESS THAT IS WRITTEN FOR YOU- YOU ARE THE ONLY AUTHOR OF YOUR LIFE.   Everything stops for a cuppa tea in our household because it’s during those minutes that we are able to relax, regroup and think about our next action steps. In essence we take a few moments to relax from the stress of our day to see where we are on our path. We’re a family of 3 and debt free including our mortgage and it certainly wasn’t an easy road to get to this point of freedom. One of the most important mindsets that we adopted early in our marriage was that we would partially sacrifice today for our future riches. That meant that we didn’t go out partying nor did we buy things we didn’t need. We were all about frugal living and still are but the emotions we felt when we burned our mortgage papers made us realize that it was all worth it. The smiles and gut-busting screams of relief made it all feel real to us. No more debt, no one can take our life away from us now, we own it. Except for death […]

Get Up And Chase Dollars With A Game Of No Debt Go : Our July 2016 Budget Report

no debt go game and budget update 2016

TURN YOUR FINANCES INTO A CHALLENGE CHASING WEALTH   If seekers of living the dream would treat their budget and put as much effort into their finances as Pokemon Go players do we’d all be on our way to the bank with a bag full of cash. Do you ever feel that you caged up and running around in circles in your mind because you just can’t get out of debt and financial success seems out of reach? You’re not alone but what one wants one must work at to achieve. It’s amazing how we can take something so simple as a virtual game to get the world off the couch. If we could apply the same determination that I see so many players have roaming around outside to personal improvement we’d all be rich. I’d rather chase my financial dreams and put my effort into fun ways that we can build wealth so we CAN do things we dream of. If you are someone who tends to set low expectations for yourself because you don’t believe you will amount to anything more than you are, give your head a shake. You are worth it. Mindfulness Will Free You From […]

grocery game monthly challenge

30 Must-Have Student Food Pantry Staples : The Grocery Game Challenge 2016 #1 Aug 1-7

30 food products to stock in your frugal student pantry(1)

Create your own student cookbook: University and College Cooking 101   You may or may not be a student but if your child is off to College or University don’t pass on the opportunity for them to spend 10 minutes reading this post about cooking and living independently away from the family home. I’ve been a student in University twice in my life and both times I made sure to have a stocked food pantry to stop me from eating out which is a HUGE waste of money for any student. It’s one thing to be social and another to be lazy in the kitchen if you are able to cook at home. I had many friends who considered themselves the starving student only because most of their student budget went to booze, partying and eating fast food. That’s a sure-fire way to starve your budget and your tummy of nutritious food. What I’ve learned throughout my frugal student years in the kitchen may serve as a handy reminder that you CAN eat decent meals at home and kick the fast-food habits many students take on when they move away for school. First off you need a student budget and […]

Cherry Bakewell Cheesecake Blondies

CHERRY BAKEWELL Cheesecake Blondie 5(1)

SINK YOUR TEETH INTO ONE OF THESE HEAVENLY BARS   When I created this amazing recipe I wasn’t sure what to expect and like most home cooks and chefs, I hope for the best. Some recipes fail, many taste great and others like these Cherry Bakewell Cheesecake Blondies will send your taste buds into overdrive. Once the Cherry Bakewell Cheesecake Blondies cooled down and I took a bite I instantly knew what they reminded me of, a Cherry Bakewell Tartlet. I’ve had both the tartlet and the Cherry Bakewell Cake which I’ve seemed to combine into this very recipe to produce these blondie bars. Back in England everyone knows what a Cherry Bakewell is and since moving to Canada I miss some of the traditional sweets my mum used to make which I can’t buy over here. It is with great honour that I share with you this flavourful treat which you can have as a snack or dessert after a meal. You’re probably wondering what a Cherry Bakewell is? A Bakewell tart is an English confection consisting of a shortcrust pastry shell beneath layers of jam, frangipane, and a topping of flaked almonds.- Wikipedia I remember going to the […]

$5000 Small Bathroom Renovation With Unavoidable Surprises

BATHROOM RENOVATION

HOW TO RENOVATE A SMALL BATHROOM ON A BUDGET   Please don’t be alarmed by my renovation sarcasm hidden in this post but it gets depressing as a homeowner to find so many problems with the biggest investment of your life. Even though we paid our mortgage off 5 years after we bought this house we put off updating the house because it was livable the way it was, until things started to happen. In our house we have a small bathroom which is a standard 4 piece vanity, toilet, bath and shower and a large master en-suite in need of updating for top resale value. Although the dollar signs just keep on rolling we’re learning how to avoid potential problems in the future. Coming from the UK I’m still learning about Canadian homes and one thing is for sure, there’s not a lot of love in some of them. Problems have developed in our small bathroom on the second-level thanks to some awesome home building techniques since the birth of our house just shy of 20 years ago. What was supposed to be a small bathroom renovation has turned into a small budget grab only because it’s what we […]

grocery game monthly challenge

What Every Grocery Store Clerk Wants Customers To Know : The Grocery Game Challenge 2016 #4 July 25-31

what every grocery store clerk wants to say to customers

There likely isn’t one grocery store clerk out there that hasn’t bitten their tongue when dealing with customers who don’t follow the rules or simply make up their own rules when grocery shopping. It’s been said that if you don’t take care of your customer then your competition will and with that comes silence and smiles from most retail clekrs. The grocery store clerk wants to say things to you badly so you can understand what it’s like being on the other side of the grocery belt all day but fears backlash from the customer and sometimes management. The customer is always right? WRONG!, but in customer service the employee may keep on smiling and carry on just to appease the customer. These bad customer experiences though make for a long work day for any grocery store clerk but always remember happy always outweighs negativity.   You are part of the team   What you are as a customer is part of the company you are spending your money at. That’s right when you shop at any store you become part of that organization which means you help us and we’ll help you. It’s a win-win if we all work […]