How To Make Fast Money In Canada Using The 3 Z’s Of Finance : Our February 2017 Budget Update

WHEN YOUR BANK ACCOUNT NEEDS MONEY YOU NEED 3 SPEEDS OF EARNING POWER.   What would happen if your pay cheque was short $100 and you needed fast money to pay the bills? For many Canadians a small financial loss such as $100 is a huge hit to their monthly income. I know what it’s like to have an almost empty bank account in Canada. I’m the type of guy who likes to rely on myself so after Mrs. CBB and I got married I got down to business trying to figure out my earning potential. Starting from scratch in a new country is difficult just as it is for those who are already living here and have been for some time. It’s not about just who you know it’s also about the art of negotiating, communicating and networking. Living pay cheque to pay cheque is reality for many Canadians as prices soar in just about every budget category imaginable. Lately I’ve had some inquiries from readers who are either new to Canada, been here for some time or born here wanting to know how they can earn fast money. My first response would typically include me asking why they […]

grocery game monthly challenge

Critical 6 Point Consumer Exit Grocery Store Check-list : The Grocery Game Challenge 2017 #2 Mar 6-12

NOW YOU’LL HAVE TO GO BACK…WORDS YOU DON’T WANT TO HEAR.   Grocery shopping is already expensive enough for consumers that the last thing we want to do is spend more money by not being focused on the task at hand. This is where an exit grocery store check-list will come in handy. Beep, Beep, Beep the sound of the payment machine telling you to remove your card, but you don’t hear it. That’s how easy and fast it is to float off to la-la land at the grocery store. Seconds. It only took once for me to mess up before I changed the way I made my grocery store getaway. After a long day at work, running errands and picking up the kids you’re probably ready for a hot bath, a drink and some relaxation. I know, I feel that way every day whether I grocery shop or not. Life gets busy and exhausting at times and this is when we choose to focus on what’s most important. One of the worst things I hate about being a consumer is when I forget stuff that I need to get done or even worse leave behind at the grocery store. […]

grocery game monthly challenge

Our Weekly Menu Plan Based On A Monthly $265 Budget: The Grocery Game Challenge 2017 #1 Feb 27-March 5

MENU PLANNING INVOLVES MORE THAN A SHOPPING LIST.   If you are the family meal planner don’t get discouraged if you can’t make the same menu plan your friends or family make because their grocery budget may be different. Not only that but their savings skills and ability to use coupons, price-matching, rewards points and so on all aid in savings. Also, keep in mind that not everyone has grocery stores on every other street corner. Some of you who live in rural areas may have a small grocer in town but must drive into a bigger city to see further grocery savings. Related: How a small town family saves money on groceries   Look to others for inspiration   Two of my home cook inspirations… Canadian Budget Binder fan Mary has posted her grocery shop in The Grocery Game Challenge (GGC) for the past 5 years. Not only does she try different recipes she finds online to her menu plan but her monthly $190 grocery budget for 2 has remained unchanged for many years. You can follow her journey every week by reading the comment section of the Grocery Game Posts along with many other GGC players. Mary makes […]

grocery game monthly challenge

25 Foods We Stopped Buying To Strengthen Our Savings Power : The Grocery Game Challenge 2017 #4 Feb 20-26

DON’T LET FOOD CONTROL YOU ESPECIALLY WHEN IT CAN SIGNIFICANTLY IMPACT YOUR GROCERY BUDGET.   You might be asking yourself the same questions everyone else is when it comes to food prices. When is this grocery shopping battle ever going to end? The answer is never because we have no control over price points or the state of the economy. What we do have is the ability to fight back by finding ways to slash our grocery budget with smart shopping choices. Ugh, I know that sounds like fun to some of you. Most often it’s not for the rest. The biggest savings high for us is finding those unadvertised awesome deals or using enough coupons to get a product free or near free. Is that even possible to do with coupons today? Meh, some say yes and others say no. It depends on what you buy, but I can say with certainty that stockpiling and the lucrative deals are far and few these days. You won’t believe how much money you are spending on empty foods that don’t add value to your meal plans or snack box. By adding value I mean, nutrition, cost and taste. Everyone wants to […]

Crunchy Pan-Fried Parmesan Crusted Hard-Boiled Eggs (Low-Carb) (Gluten-Free)

HARD-BOILED EGGS LIKE YOU’VE NEVER TASTED BEFORE   YES you have to try this. These are perfect snacks for holidays, birthday’s or any celebrating including Super Bowl where you just want to grab, dip and get it in your tummy. In our house we don’t just hard boil one or two eggs at a time. We make hard-boiled eggs by the dozen and use them for egg salad sandwiches, snacks and now we will add this to our low carb snacks list. Hard boiled eggs aren’t just for breakfast especially when you follow a keto diet also known as low-carb diet like Mrs.CBB does. I enjoy it in moderation as I’m not fully involved with this lifestyle like Mrs. CBB is. For the most part I end up eating the same foods to cut down on costs but on occasion I go my route. You know I just crave carbs after a while especially when my aim isn’t to give them up.   We’re a low carb family   One thing I won’t pass up is eating eggs any way I can get them, except raw. This recipe for pan-fried Parmesan hard-boiled eggs was a fluke to be honest. While […]

grocery game monthly challenge

How To Spot Grocery Store Discounts (Saved Us $511 last year) : The Grocery Game Challenge 2017 #3 Feb 13-19

WHAT WOULD YOU DO WITH AN EXTRA $500?   If you find it amazing what you can save money on when you’re not looking imagine the savings you’d find if you were. One question we often get asked is, “How do you eat so well on a tight budget of $265 a month?” to which I reply budgeting, flyer savings, coupon app savings and grocery store discounts. Ask me that same question back in 2012 and I would have told you we were extreme couponers and deal seekers but times have changed. We went from using thousands of dollars in paper coupons every year to $15.35 in 2016. Today, our savings plan is far more balanced than it used to be. Now we take the grocery store discounts approach paired with eating less, using coupons, applying coupon app savings and rewards points etc. Back then rewards point programs were ramping up outside of the credit card world which gave Air Miles a run for their program. It became clear that consumers wanted to be rewarded for being loyal customers. The start of war of the rewards programs began and quickly evolved into which company could rope in the most customers. […]

grocery game monthly challenge

7 Money Smart Shopping Trip Essentials You Need : The Grocery Game Challenge 2017 #1 Jan 30-Feb 5

THE GROCERY SAVINGS BAG IS THE ONLY BAG WE THINK ABOUT BEFORE WE LEAVE FOR A SHOPPING TRIP.   Coupon Binder, what’s that? Yes, even the binder has become old school and the grocery saving newbies are wondering what we’re going on about. You mean, smartphone, right? No, coupon binder but don’t worry because not many people carry them around these days. Planning for a grocery shopping trip in the CBB household either runs as smooth as my brownie batter or as lumpy as my mashed potatoes. Even before we became parents grocery shopping was a big deal and it still is although our priorities include a toddler who takes ages to get out the front door. Related: How to successfully go grocery shopping with a baby Over the years we’ve learned the easy way how to save money while grocery shopping and the hard way. The problem is that even though we have the best intentions sometimes not everything goes as planned. I bet even the ultra-organized shoppers screw up their own shopping trip from time to time. I can’t tell you how many times Mrs. CBB and I have sat down to sort out our menu plan for […]

How Should Couples Split Household Bills?

WHEN YOU MOVE IN WITH SOMEONE YOU SHOULD NEVER EXPECT TO PAY LESS OR MORE BASED ON YOUR INCOME LEVEL.   Moving in together is a big step for couples and with that comes an entirely new set of financial rules mainly called, splitting. When should you talk about money in relationships? Whenever it is right for the both of you but certainly before moving is ideal. Don’t be afraid to pull out the money card because if you’re thinking it then it is important to you as it should be. Living together may be economical especially if you are spending every day with someone you care deeply about however there is much to discover before you take that step. Some couples just end up moving in together without even knowing it. A shirt here, pants there and before you know it your bathroom counter shares his and her health and beauty products. What in the world just happened? You moved in together and with that comes financial responsibility. Unless you plan to fork over all the money for your partner who now lives with you, talking about splitting household bills is a good idea. Generally doing this before-hand is […]