March 2012 Canadian Budget Binder Budget Update

Hi there folks, I’m back with the March 2012 budget update for Canadian Budget Binder. You probably already know but we’ve just finished designing the Canadian Budget Binder Budget Spreadsheet and have tested it out this past month. We are continually trying to improve the sheet and so far we are very happy with the outcome. In the upcoming month we will look for a few volunteers to test it out and give us some feedback. Most of the excitement has come from the “projected expenses” the expenses we have decided to budget in each month and transfer to a separate account until they come due. Many of my fans agreed that when it comes time to pay one of these projected expenses they had to pull money from their savings or emergency savings to pay the bill as there was not enough money left in the budget.  Some even went as far as to put it on a credit card or use the line of credit as the money just wasn’t in the budget. It’s the small things we tend to overlook and I really don’t want to be dipping in our savings to pay for them. The Emergency Savings is […]

How We Designed Our Budget Step 7- Balancing Our Budget

I’m going to warn you this is a bit of a long post so take your time reading it. Don’t worry I will be putting together a step by step sheet that shows you what we do each time we visit our Canadian Budget Binder Spreadsheet. Balancing the budget is a fairly simple task provided you have enough money to go around. If you are not balancing a budget or using one  you’re likely tossing money out the window without even thinking about it even IF you think you aren’t. It doesn’t  matter how much money you make each month, it’s  all about what you do with it. A budget keeps track of what’s coming in and what’s going out and what you’ve got left. If you don’t keep track of your money you could be spending more than you think.  It’s your choice, your life! Balancing a budget takes time and won’t happen over night. Once you think you have everything something else creeps in. When we talked about How we designed our Budget Step 1 – Gathering All the Information, where I asked you to round-up everything you need to pay, this is the part  where it is going […]

Driven To Quit Smoking Challenge Has Ended- A Lifestyle Change For Love,Health,Money

As you may know we quit smoking on January 29,2012 because it was the right thing to do. We have been tossing the idea in the air for over a year and we had to jump in head first. Our mates were very excited for us when we finally told them because they truly wanted to see us live a healthier lifestyle.  I am naturally fit as my job keeps me that way but I do all the right things including lifting weights, sports and eating healthy. Smoking was always our downfall and a way to cope with stress and everyday life. Here are some changes we noted since we have quit: When I’m working out at the gym I don’t get winded as fast. I feel like my lungs are wide open and fresh and that I can carry out anything I set my mind to.  If you want to lead a healthy lifestyle just being active 3 days a week is important. You don’t have to be a big gym buff like I am but simply walking the dog or to the park gets you out of the house and moving is what is important.  This is what […]

Mr.CBB’s Sloppy Joe~ So Good, So Easy, So Frugal $0.95 each

I was going to BBQ some burgers last night but time out with the boys at the gym brought me back a bit late to turn out my burger recipe. What I do is change it up by turning my lean beef into Mr. CBB’s famous Sloppy Joe’s. The wife and our mates just love these and I also make them when I’m in a pinch just like tonight. The recipe makes 8 Sloppy Joe’s and trust me they will be gone especially if you have hungry mates like I did last night! The cost to make this recipe is  around $0.95 each Sloppy Joe and I was on the top end with prices. This could even be much more frugal than it seems! So here we go…… Total Time start to finish under 30 minutes! Tools Large frying pan Spatula Ingredients 8 fresh Hamburger Buns or any Round Bun 1 can of Tomato paste 6 ounces 1 teaspoon salt 1 teaspoon pepper 1 teaspoon paprika 2 table spoons white distilled vinegar 1 table spoon Worcestershire Sauce 1 teaspoon of dry mustard 1 teaspoon dry oregano 1 teaspoon of dry basil 1/2 cup of  Tomato Ketchup 3/4 cup of water 2 yellow onions […]

My Canadian Neighbour Paid Me To Walk My Dog ~ So Thanks!

When I started this blog I thought if I ever did any advertising I would be thrilled to make enough money for a case of beer a month.  I don’t drink often but in the hot summer I don’t mind a cold one or 2 out on the deck with me mates. Although I love budgeting, quitting me day job to sit with you on a full-time basis is not yet a reality … although I’m optimistic.  Everyone knows Mr.CBB is a frugal young man who loves to save his pennies where he can.  If that means picking one up off the ground, ya damn right I will. Money is money even when it’s free money and every penny counts. Last autumn we took a drive up to the local park where campers spent some of their summer. We were able to wander in free of charge as the sun was put away for another year. While walking round I poked my head in a bin. To my surprise I saw… yep you guessed it, “beer cans” and lots of them. I normally keep a plastic bag in my truck so what began as a stroll in the park turned into […]

grocery game monthly challenge

The Grocery Game Challenge- March 26- April 1 Final Week

I thought I had better get this up and running so everyone could post their shop. What I might do is post The Grocery Game Challenge by Monday  Tuesday of each week so shoppers can post instead of waiting for me to shop. I will then update this post as we shop to show what’s happening in our grocery budget.  This week is supposed to be a no-shop week for us but we may end up spending a couple bucks. Starting $329.85+8.16+9.85+7.93+43.65= $390.93+ $9.25=$400.18  ouch That’s $ 210.18  over budget for March- Final. We will try even harder next month to stay on track. We stocked up on a few items for summer time that we had coupons for that were expiring.  Sometimes if you have the savings in coupons and there is a sale you have to take advantage and that’s what we did. This week we went to Metro as we were told it is the best place to redeem our FPC’s but it made NO and I repeat NO difference to Air Miles. As a matter of fact  we received 0 Air Miles but the 5 from a coupon we presented that came in the mail. We […]

Mr.CBB’s Easter Dinner for 8 in the Crock Pot! Cost $ 1.25 plate

There’s more to Easter than chocolate eggs and bunny rabbits as it’s a time that some families gather to celebrate the resurrection of Jesus Christ. It’s also a time where traditional feasts are served and enjoyed by many all across the land. In Canada Good Friday is a Statutory Holiday and Easter Monday you may find some businesses still remain closed. Easter Dinner A Canadian Budget Binder fan Shelley Chenier posted a crock pot recipe last week on Facebook that had me thinking about Easter food ideas. I wanted us to have a traditional Easter menu but without all the fuss. So many of us are busy in the kitchen during special occasions and the guests are left to chat amongst themselves. We would rather not be the absent couple during a family dinner so we decided to change that this Easter. We wanted to create a frugal Easter meal that would allow us to be with our guests and actually celebrate. Since the Easter holiday is around the corner this recipe caught my eye because it has all the makings of a one pot meal. If you want to keep it simple this Easter try this recipe out and spend more time with your […]

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