Debt Free Mom Admits Becoming A Thrift Shopping Shopaholic : The Saturday Weekend Review #235

SPENDING MONEY NO MATTER WHERE YOU SHOP IS STILL SHOPPING   I can count off the top of my head about 6 thrift stores near me and we go to all of them at least once a month. Sounds shocking but it’s not especially when we are looking for something we need. Most often it’s clothes, craft supplies, CD’s and kitchen items. On occasion we find furniture or home decor but we really don’t need any of that stuff any longer. Shopping online sites like Kijiji or Craigslist is just as naughty as shopping secondhand because most often items purchased are well-loved  or deeply discounted by the owner. Thrift shopping online can be far more dangerous than going into the shop because you can do it from the comfort of your home. Sarah a mom of 2 young boys emailed me looking for some advice to help her curb her obsession with thrift shopping. She’s not alone in her plight to cut costs yet over-spend buying used and in some cases brand new items with or without tags. Here’s her story… Dearest Mr.CBB, My name is Sarah and I live in Hamilton, Ontario with my husband and two boys aged […]

grocery game monthly challenge

The Ultimate Pantry Essentials For Frugal Fall Recipes : The Grocery Game Challenge 2017 #1 Sept 4-10

FALL SMELLS ARE ABOUT TO TAKE OVER YOUR HOUSE   So you want to start preparing Fall recipes but aren’t sure if you have everything you need in the kitchen to do so? It’s time to dust off the crock-pot and casserole (casa-roll-eh) dish Canadian style because the Fall chill is on and it’s time for some comfort food. Well, today we’re going pantry shopping for the Fall season to make sure we have all those precious basic ingredients along with must-have kitchen-tools to make some of the tastiest Fall recipes. The number one kitchen tool that we can all agree on to make Fall recipes is a crock-pot. If you don’t have one invest in one for under $40 and you’ll see just how easy cooking can be. We own a large programmable crock-pot that we’ve been using for years and just love. It was certainly a worthy investment for our kitchen. Once you’ve got your crock-pot it’s always handy to have baking sheets, loaf pans and other baking essentials so you are ready to bake up those Fall smells. What other essential kitchen tools can you think of for Fall?   Tastes of Fall   What kinds of […]

grocery game monthly challenge

30 Keto Diet Staples You Will Find In Our Kitchen : The Grocery Game Challenge #5 Aug 28-Sept 3

STOCK UP ON LOW CARB ESSENTIALS WITHOUT CRUSHING YOUR GROCERY BUDGET.   You may have noticed over the past 2 years that our grocery shopping list has changed quite a bit since we’ve moved over to a keto diet. You might also have taken note that our many of our Sunday frugal recipes are low carb as well and this is because we no longer just eat what we want or classify as “healthy“. We have taken control of our eating habits and put more effort into what fuels our bodies and how we energize it each day. Related: Are you eating too much food? I’m not exclusively on a keto diet however I do follow it as much as possible as my dietary needs are different from Mrs. CBB. Coffee is a great start to the day for keto diet lovers. Many of you might be familiar with Bullet Proof Coffee and for those of you who aren’t let me tell you it’s packed full of fat! Some people have asked if the keto diet has interrupted our lean grocery budget of $265 a month for 2 adults and a toddler and it depends. Some months might be great […]

Property Theft And How To Stay Protected

FOR THOSE LOOKING TO MAKE FAST MONEY ILLEGALLY STOLEN PROPERTY GETS THE JOB DONE BUT IT DOESN’T END THERE.   I’m certain that I’m not the only one who has noticed an influx of property theft, personal theft, employment theft, bank robberies, retail theft and pharmacy break-in’s the past year. For those people who turn to theft they have to be at the bottom of the barrel to want to get their butt slammed in jail or even worse, killed. Related: Property Crimes Common in Western Canada A 2007 report by Statistics Canada suggested that property crimes are far more likely to occur in cities and towns than they are in rural communities. However, farms can be easy targets, especially when the owners are not present. That’s the simple truth. The hard truth is why is this happening and what are we doing as a community or government to help control the situation. Mental illness has long been shoved under the carpet but has now been the spotlight of many incidents across Canada that involve violence, theft, robberies and even death. Depression and addictions along with other illnesses can take hold of anyone.   What is property theft?   From […]

grocery game monthly challenge

15 Copycat Recipes To Make At Home : The Grocery Game Challenge 2017 #4 Aug 21-27

Copycat Recipes Without The Price-tag May Lure Consumers To Put On An Apron.   One of the main reasons people eat out is convenience either because of time barriers or lack of meal planning at home. If you don’t know it already eating out can drastically alter your monthly budget especially if you are spending more time at the restaurants then you are at the grocery store. How many times have you seen an advert on the television or in a magazine for food and said, “I want to try that”, probably quite a few times. I know because I do that quite often, the art of marketing does work. Factor in the costs of tips and drinks for the meal and you’ve just spent enough for a weeks worth of groceries for one meal. Consider how much it costs to make a batch of your favourite muffins, subs or take-out chili in comparison to drive-thru. What doesn’t work is prices which keeps us at home working on ways to create mouth-watering meals in our kitchen. Grocery shopping for some people is just B.O.R.I.N.G but I don’t know many people who shop to party. Of course it’s not the most […]

5 Ways To Save Money By Using A Credit Card

CREDIT CARDS ARE MORE THAN JUST A BACK-UP PLAN!   There’s no doubt you need to be careful with credit cards. There are people of all ages throughout Canada struggling with credit card debt in the thousands or tens of thousands. And if you start missing payments, your credit score will be in danger, which will affect your ability to acquire assets and may even limit your employment options. Related: How to avoid turning $1 into a $29 Credit Card fee However, credit cards are not inherently bad. Money mismanagement is, and the two don’t necessarily go hand in hand. If you are conscientious about how you use your money, you can actually save money by taking advantage of credit cards. Instead of battling to pay installments, you can live the lifestyle you choose without letting the debt ever get out of hand. There are multiple ways to save money using a credit card. These are 5 of the most effective.   1. Transfer your balance to a 0% APR credit card   If you are already carrying credit card debt, there is a simple way to get out of paying crippling interest. Many credit card companies offer a 0% […]

grocery game monthly challenge

The Ultimate Frugal Student Recipe Book : The Grocery Game Challenge 2017 #3 Aug 14-20

Cheap Healthy Meals For Students In Apartments   Creating cheap healthy meals sounds impossible because we’ve been conditioned to believe that convenience foods are inexpensive and easier to make. Not true in most cases it costs more and tastes can’t be compared to homemade by a long shot. For this reason I wanted to put together the Ultimate Frugal Student Recipe Book for kids who are off to College or University and need some guidance in the recipe department. While at a backyard BBQ party our friend Judy (not her real name) has a 19-year-old daughter off to Western University in a couple of weeks. Instead of moving into residence she opted to share an apartment with two of her friends to keep costs lower for the school year. This means she won’t be part of the University meal plan and it will be her job to prepare recipes on a budget of $50 a week. Related: How much should my grocery budget be? Although her budget may seem high for some people fifty dollars is reasonable enough for anyone to whip up cheap healthy meals without being deprived. That means she won’t have to live on Ramen noodles, toast […]

How To Port A Mortgage In Canada Successfully : The Saturday Weekend Review #230

SHOULD YOU BREAK YOUR MORTGAGE OR PORT IT WHEN SELLING AND BUYING A NEW HOME?   Whether you can port a mortgage depends on a few factors but ultimately it all has to do with numbers. Porting a mortgage may not be in your best interest especially if you’re not happy with your current lender and want to search out a new one. The good news is that if you can save money and you’re eligible to port your mortgage you’re doing alright. Renewing a mortgage is far different from porting a mortgage which I’ll get into a later but in the mean time wrap your head around this question- How much do I know about my current mortgage? If you haven’t read the fine print now is a smart time to break out the paperwork.  Why am I talking about how to port a mortgage today? Honestly, I had no idea about how to port a mortgage in Canada but I do know that it’s a common practice in the UK where I was born. What I’ve learned while living in Canada as a permanent resident is that I can’t compare apples to apples from what I know in […]

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