You’re Doing It Wrong If You Believe In Job Security : The Saturday Weekend Review #229

THERE IS NO SUCH THING AS JOB SECURITY BUT THERE IS FINANCIAL PREPAREDNESS IF YOU CAN BELIEVE IN THAT.   Don’t make the mistake of someone who lands their dream job and believes they’ve found the golden ticket to wealth and job security. No, no my friends it doesn’t happen that way. Never has and never will. One morning you’re lacing up your dress shoes and putting your tie on and the next you’re updating your resume. It happens and it happens often. Remember the time you thought you didn’t have enough dresses to wear to the office but now you have a closet full still with tags on them but no job to go to. It’s a whirlwind of emotions when job security turns to the announcement of layoffs.   New House, New Career, New Resume   Just after we married Mrs. CBB landed her dream job or at least a job that offered her a private office, benefits and flex-time. It was the perfect job, close to home and excellent pay for starting out. She was the happiest woman alive because she was motivated to be the best she could be. After the transition to her new career […]

Magical 4 Ingredient British Sponge Cake

The best sponge cake recipe you will ever try is made with love and only 4 ingredients.   The aroma of this British sponge cake recipe trailed my mum’s kitchen since I was a little boy. She was a stay-at-home mum for the most part unless she was helping my dad with our business and always had a cake baked inside her cake tin. (she still uses the same tin, no kidding.) Most often it was a sponge cake to enjoy after tea with a lovely cup of coffee or tea. Other times we’d sneak a piece just because the sponge cake was so light and fluffy it was hard to resist. A sponge cake is one of the easiest cakes you can make and a great cake for baking beginners and inexpensive to make. British sponge cake has 4 ingredients and that’s all you need to make this delicious cake that everyone will rave about. Once you dress up your fluffy sponge cake with accessories you’ll see that you’re working with a blank pallet that you can bring to life. This makes the sponge cake the perfect birthday, anniversary, baptism, graduation or even wedding cake for your special day. […]

How To Build An Inexpensive Summer Highway Survival Kit : The Saturday Weekend Review #228

THE BEST MONEY YOU WILL SPEND IS BEING PREPARED JUST IN CASE SOMETHING HAPPENS ON THE HIGHWAY.   Having a summer highway survival kit in your trunk is not just important to have, it’s vital. A few days back there was a chemical spill from a truck that crashed which closed the 400 series highway by Newmarket, Ontario between Hwy 89 and 9 for 11 hours. Related: Frustrated drivers trapped for hours on 400 highway for chemical spill Reports of tweets from parents complaining that their kids have not had food or drink to eat were popping up and overall frustrations of the slow chemical spill clean-up. Generally any time I’ve been held up on the highway between Toronto and the Greater Toronto Area all the way up to Windsor and London I plan for a holdup. They do happen and happen often and I’m always ready for the, ‘just in case’. Although concerns are important from motorists stranded on the highway especially medical emergencies motorists need to be responsible when travelling. Don’t have the “It will never happen to me attitude”, because it could. You might not have everything you need in your prepared highway summer survival kit BUT […]

How To Avoid Turning One Dollar Into A $29 Credit Card Fee

A CREDIT CARD HAS ONE MISSION-TO MAKE MONEY.   Would you open your window while driving and empty your wallet out? Laughable, however too many of us do this without even knowing it. Never ever just open a credit card bill or any bill and just pay it. If you do this then you run the risk of throwing money out the window. This almost happened to us but thankfully we DO read our statements and found a surprising credit card fee that was not expected. Related: Why you should always read your grocery receipt Besides earning rewards some people they pay a heavy price for holding a credit card balance and paying the minimum. That’s really not what I’m going to talk to you about today though. Quite the opposite actually which not only sent us to the telephone with our jaw dropped but to find out almost all credit card companies do this. Credit Card Fees…. there’s more than 1. We’ve never once paid any interest to a credit card company and don’t plan to begin but this isn’t an interest charge it’s an over credit limit charge. If you thought that your credit card would send out […]

Men, Women, and How They Think About Money

MONEY IS MONEY BUT ADD GENDER TO THE MIX AND THE MEANING BECOMES SOMETHING MUCH DIFFERENT.   Money is central to our existence and we all know it. We need, want it and got to have it. There’s nothing new to report here about any of that. It’s the basic reason we all get up every morning, battle the elements and the traffic, and hunker down at our jobs every day. Whether you are a Canadian or an American like me, there are differences between the genders. If you’re a man, you’re more likely to be coming home from work each day, unwinding and spending your time as you see fit. If you’re a woman, not so much. For as long as there have been people working outside the home, women have born most of the burdens of taking care of the home, kids, chores, and those kinds of things. When you look at the last 30 years of changes to our society, i.e. the big addition of women to the workforce, there may have been some changes in that old school approach…but not enough. Men still fundamentally think of women as the responsible party when it comes to family, […]

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 […]

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