Daycare-You Are The Voice For Your Children

Daycare is not something Mrs.CBB and I are worried about at the moment but for those of you that are parents that might be a different story. You don’t really read up about kids when you don’t have kids, well at least I don’t unless it’s something that is brought to my attention. I tend to thrive on “How To” articles and DIY projects that I need to get done around the house because I enjoy learning about these topics. This post mostly comes after friends of our divulged how much they were paying out for their 1 year old child to go to a licensed daycare. They also told us how they struggled to find a spot and weren’t sure if they were going to be able to get their child into the daycare as they were put on a waiting list. I asked what other options they had and the first one was to bring their child to family. They chose the daycare for the day-to-day interaction so their child had the opportunity to interact with other children. Luckily for them a spot opened up. Are parents really in the dark though about who’s looking after their kids?Apparently […]

Soft Or Hard Water-Is Your Water Softener Costing You Money?

  When I found out that our water softener had gone up the spout because of a leaking resin bed tank (the inner tank) I was a little annoyed. This is the time where either the emergency savings fund or our home maintenance projected expenses will come in handy and why it’s important to budget for home repairs. Mrs. CBB and I did a little price comparison from various sources online and found the price of a water softener is similar across the board. Sorry, I can’t find you ridiculous savings on a new softener, but what I can do is tell you what I found out while researching for a new one. What is hard water and what does a water softener do? Depending on where your city/region sources your mains water supply you will be blessed with soft water or cursed with hard water. You can tell if you have hard water or soft water simply by the calcium carbonate deposits around faucets commonly seen as a build up of white crust. How to tell if your water softener is working properly or not? Inspect your unit, appliances, valves, faucets etc and if you see a white crust […]

grocery game monthly challenge

The Grocery Game Challenge #9 Feb 25-Mar 3,2013-No-Shop Week, No Means No!

Photo Courtesy/Stuart Miles/FreeDigitalPhotos.net We woke up yesterday morning with the intention of this week being a no-shop week, but that didn’t happen thanks to yours truly. So much for the no-shop clause as I’ve busted it for the month even though it’s the last shop for February. That’s right I’m the one to blame this week for making the wrong decision but that’s Ok we’re allowed to make mistakes. A no shopping day or week whichever you prefer to call it means “no shopping” including not even going near the stores. When you hear temptation call its you that has to make the final decision. Yes, No or Maybe is what runs through my mind and sometimes I lose to temptation, it happens to the best of us. I don’t know what made me go into the shops yesterday but what I do know is that the decision cost me $47.73 of which I would not have spent had I stuck to the grocery budget. Typically we shop no frills then food basics as we can price match if we need to but yesterday I just had this urge to go in to 2 shops to see what’s on sale. The […]

Becoming A Single Homeowner – Part 3 “Mortgage Options”

In our previous post Part 2 of this 3 part series- our potential Single Homeowner had their budget, credit, downpayment, and type of property all mapped out. But what about the mortgage itself? Understanding your mortgage options is the final and a critical step in order to increase your shot at owning your own home and not one to consider lightly. Related: Becoming A Single Homeowner – Part 1 “The Plan” Mortgage Options  With over 400 different mortgage products available to the Canadian consumer – it can be overwhelming to navigate this marketplace. I will cover off some of the major differences in the mortgage products here. Fixed vs. variable rate mortgage – when considering the potential savings of a variable rate mortgage we need to consider that this is tied to the Bank of Canada’s prime rate and the fact that this can change from time to time. Outside of this – on both fixed and variable rate mortgages – it is very important to ensure that we get the deepest discount to the interest rates available for the mortgage term on closing. One way to accomplish this is to wait until 30 days before the closing date of […]

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