Friends With Benefits- Helping Us Stick To The Budget

Get your mind out of the gutter…crikey I’m simply going on about Networking! There’s always a dollar to be saved when you network, right? Not everyone is an extrovert but you don’t need to be when it comes to networking you just need to be you~ and talk! What is Networking, you ask? Networking: according to dictionary.com A supportive system of sharing information and services among people and groups having a common interest:Working mothers in the community use networking to help themselves manage successfully. 2.the design, establishment, or utilization of a computer network. The Easiest Way! Talk to the people you know! The Best Way!  Talk to people you don’t know! Example: The easiest way We all have someone on our street that knows everyone’s business- they may do the  networking for you, no effort involved but the initial conversation. True Story(names and career changed): Ethel– (Your neighbour) Hanging out the window with her dog staring at your every move. “Good Morning Luigi, nice day today.” You– Good morning Ethel, yes I’m off to work. Ethel– What is it that you do Luigi? You– I’m a Mechanic at my shop Ethel. Ethel– Oh that’s great Luigi maybe you can take a look at my brakes on my car one day next week? You– Sure Ethel bring your car around on Tuesday at 9am. Ethel– Great, thanks Luigi, see you then. You– Bye Ethel […]

The What If’s in Life with Life Insurance- Staring out the Canadian Glass Window

What if I lose my job, What if I get injured, What if I die,What if this What if that.. blimey, are you tearing your hair out? Are you thinking about life insurance yet? Sometimes preparing for the future seems like it’s silly but perhaps it’s just a way to put off the inevitable. Some people I know didn’t think they needed life insurance or thought it was only something senior folks think about. Scenario:  Older Couple who never purchased Life Insurance Little Savings Age 50’s with children/grandchildren Mortgage until they are in their 70’s Little Investments Health Status- bad Heart Condition, Diabetes Source: EverydayHealth.com What we do know for sure is: We WILL all DIE! Face it mates, it’s going to happen whether you like it or not. ** Note: if you are reading this and have some sort of secret potion to prolong this send me a quick email so we can meet up** If you plan to remain single and childless for the rest of your life and have money put aside for your funeral costs then you can sweep the insurance idea under the mat. Do you really need to pay for Life Insurance when there […]

grocery game monthly challenge

The Grocery Game Challenge March 5-March 11/Week 2

This is our weekly grocery shop for March 5- March 11. What was your weekly shop like? Post it in the comment section of this post and you could win a monthly prize of $50 in various Canadian coupons~ see rules and regulations here. We had this weeks shop planned and knew we would spend more than the $64 a week we have budgeted for on groceries. With the Shoppers Drug Mart Spend $75 get 18,500 Optimum Points we were already over budget. A fan asked what we do when we overspend at the grocery store in our weekly budget. This week was a good example and below was my answer to her. So far we have spent a total of $114.91 which is $50.91 over budget this week and we are still not done shopping. When we spend over budget one week this means we have less to spend in the following weeks. In this case we have $75.09 left to spend for the month $190.00-$114.91. We don’t want to spend more than the $190.00 a month. We will see what happens. We hit up a few stores for our shopping this week Shoppers Drug Mart, Food Basics and […]

Cranberry Orange Bread in a Bundt Pan- Cost $5

While searching Facebook I came across this recipe on the Quaker Canada Facebook page and wanted to give it a go. We have this huge bag of Whole Wheat Flour in the basement that needed to get used up. I made a couple of adjustments to the recipe as we baked it in a bundt pan instead of the loaf pan. I also tossed in a half cup of chocolate chips (cause I’m sneaky that way) but that is optional. The bread we made in the bundt pan baked for 40 mins at 350 degrees. In the end the bread is simply amazing, get ready for your home to smell of oranges in every room. It sends a warm feeling down your spine when the aroma engulfs you. I estimated this bread cost us around $5.00 to make and will serve 12 people. Thanks Quaker Canada for an easy, yummy recipe! Changes to the original recipe I made as we baked it in the bundt pan. Everything else in the recipe we followed exactly. I adjusted All Purpose Flour to I cup I added 1/2 cup chocolate chips I adjusted the milk to  1 1/4 cup of milk I adjusted the […]

grocery game monthly challenge

The Grocery Game Challenge March 2012 Week 1

I realized last night after a reader emailed me that March is beginning in the middle of a week. Since we did not do a shop this week I wasn’t going to post the challenge. We only shop 3 weeks a month and leave one week shop free. Since some months can get confusing with them beginning in the middle of a week I thought I should post something. Even though we are not shopping you might be shopping and it’s important to recognize that. So this post is to say, we did not shop Monday  Feb 27-  Sunday Mar 4 but if you do then please post your shop in the comment section below. Once approved I will award you a ballot number for March. The most important parts of this challenge is for you to… stay with-in your budget, show other how well you shopped and used coupons how you did not give in to temptation-tell us.. did you put that big bag of chips back because you didn’t need them? How much did you spend during your shop Were you happy with the outcome Could you improve your shop Congratulations again  to Shelley C our February Grocery […]

Buying Clothes from Second Hand Shops..Is it worth it?

Do you shop at Thrift Stores? Many of these second-hand shops offer new or gently used clothing, accessories and household items for a fraction of the cost at a retail store. Who wouldn’t shop there first, right? Wrong! Some people take a look around them when they attempt to walk in a second-hand shop to make sure no one they know is around.  Myself I waltz right in as I just love second-hand shops. Tip: If you are worried what your neighbour or mate might say because they see you in the store ask yourself this “If they see you then you must see them” so what? Who cares? The stigma put on second-hand shops that they are for the poor or for starving students is WRONG. These stores such as Value Village, The Salvation Army Thrift Store ( Sally Ann)  have grown in popularity in exponential rates over the past decade. Why? The answer is easy many people now see the value in second-hand items. They also see the savings and understand  the cost to the environment and the re-use value.  Most clothing if not donated ends up in clear bags ending up in our landfills. We need to […]

How We Designed Our Budget Step 4-Notetaking

Hi there Folks~ Mr.CBB here… If we’ve learned anything about budgets over the past year it’s that you need to learn how they work before you carry out one.  I admit we jumped in feet first and have learned along the way. This tactic hasn’t been so bad but it can get frustrating, especially if budgeting is a new world for you.  Learning first then proceeding step by step is what we should have done. What we’ve learned over the past couple months is that there were ways to simplify our budget. We found errors in our budget and now realize that we need to have a completely separate Emergency Savings account. You will see all the changes when I post our February 2012 Budget Update. The one thing that has helped us to make these changes is that we kept such detailed notes. This is why I am taking you to this topic in Step 4 Notetaking. Notetaking is an essential part of budgeting. Why you ask? Let’s take a look together here: Scenario: When you were in high school and the teacher taught you a subject did you take notes? Probably, right? Why? So you could take the notes  home and study them to answer questions on a test […]

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