How We Simplified Our Budgeting Process To Pay Off Debt : Our August 2018 Budget Update

YOUR BUDGETING JOURNEY MAY SEEM LIKE AN ENDLESS FIELD OF HARD WORK AND IT WILL BE   Without a budgeting process it’s easy to see how fast your debt free dream can crumble simply because you haven’t prepared your steps for success. In less than 7 years we managed to pay off a $265,000 home (worth $650,000), top up our retirement investments, buy a brand new $85,000 truck with cash (we got a deal of course), invest in our son’s RESP and sock away a nice savings. All of the above sounds wonderful when you read it BUT that is years of hard work, struggle, rejection, discrimination, sleepless nights, worry, anxiety, depression, tears and NOT giving UP. Yes, like most people we have been through it all which helps me to connect with my readers who are currently or have been in the same position. I didn’t fall into a 6 figure job, I fought for it and Mrs. CBB fights for her health without an income. The tables took a quick turn in our marriage and with only one working income it has been no walk in the park on a sunny day. No amount of money can give […]

Do You Have Your Garage Sale Permit? : The Saturday Weekend Review #261

YOUR GARAGE SALE REQUIRES MORE THAN JUST A SIGN, TABLE AND MONEY   Just when you thought you knew it all about garage sales you find out there are laws governing them in just about every city and town across Canada. I honestly had no idea that there were garage sale by-laws and in some cases you must obtain a garage sale permit before you can even host one. Over the past few years I’ve been researching garage sales because we love to venture out on a Saturday or Sunday morning to see what bargains we can find. Hosting a garage sale is a great way to re-use or re-cycle products by having someone else buy them thus keeping them out of the land-fill. The great thing about a garage sale is the prices but for a homeowner who doesn’t follow city or town by-laws it can become costly. Let’s not forget that Health Canada also regulates what you can and cannot sell at your garage sale so there definitely is some homework involved before saying yes to a garage sale. Not only do you need a garage sale permit in some municipalities you also need to abide by garage […]

Neighbour’s Unsightly Property Scares Potential Home Buyers : The Saturday Weekend Review #260

WHEN THE WEEDS DO THE TALKING AND THE BUYERS DO THE WALKING   Buying a home is a big decision for anyone to make which is why there are so many factors that can increase and decrease the potential value of your property, one of them being your neighbour’s house. I know people might say to mind your own business but in today’s world no one wants to buy a property next to a house that looks like a salvage yard. You probably worked hard to save for your down-payment and want that money to be spent on a home that brings you joy which includes the surrounding neighbourhood. This is why there are sought-after neighbourhoods and those to avoid. Would you risk losing 5-10% of your house value because your neighbour can’t be bothered to keep their property in decent condition? Probably not because no one likes to lose money for nothing but this is the reality many home sellers face today which is why we want to move to the country where it’s just us and nature.   Ways to decrease the value of your home   When you decide to put your property for sale no matter […]

Bills Come First That’s How You Stay Out Of Debt : July 2018 Budget Update

BELIEVING YOU ARE FOREVER FINANCIALLY DOOMED IS YOUR EVIL   If you want to stay out of debt, pay your bills it’s as easy as that however for those of you who fall behind it becomes a game of catch-up. This is one of the deadliest financial games to be involved in because it can take months even years if at all to pay back money you owe for services you purchased or were provided with. Almost everyone plays the game because let’s be honest, we’re not all made of money. Unless you were born in a money pit you have to work for your cash and have bills like everyone else. This is what we call everyday-life and working for a living. I do it and it sucks (although I do love my job) but it has to be done or we suffer the consequences of falling behind with our bills, bill collectors calling and possibly bankruptcy. Not only that but factor in the mental and physical stress that comes along with financial struggles and you’ve got a hell of a mess happening. Money worries can take over your life fairly quickly. I also want to be clear that […]

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