How we quit comparing financial numbers

Adjusting Your Financial Focus  Some people like knowing what their friend’s financial numbers are, other’s don’t. Comparing what you don’t have to what they do have could hurt you in the long run if you don’t view it from a positive angle. People will complain, moan and groan about what they have or don’t have and why they deserve more or how they worked hard but life crumbled on top of them. Sure everyone has a story and likely a story worth listening to but will anyone really care about what you didn’t do in order to be happy with your life? Note I said happy, not rich and famous. I’ve talked about it before how both my wife and I never did use a budget when we first got married.  We simply spent less than we earned and packed away money when we could after our everyday expenses were paid. That seemed like the common sense approach to personal finance and how people would amass their net worth. We knew that it didn’t matter how much money we earned it was how we were saving it that mattered. You can make $1000 a week but if you blow $950 […]

The Saturday Weekend Review #19- Mothering Sunday Is Mother’s Day!

Mothering Sunday is what we call Mother’s Day in the UK, the equivalent of Mother’s Day In Canada and other places around the world. In the UK Mothering Sunday is always celebrated on the fourth Sunday of Lent. In 2013 Mothering Sunday in the UK (Mother’s Day UK) was celebrated on March 10, 2013 where Mother’s Day in Canada and the USA is celebrated on the second Sunday in May which is May 12, 2013. I call my mother my mum where in Canada my wife says her mom. I try to stick to mom so I don’t confuse people but sometimes I forget but I’m sure you all get it. We only celebrate Mother’s Day during the Canadian celebration date and my mom is fine with that. Some day soon she will get me in the flesh and blood as we hope to make a trip back to the UK very soon. We are hoping to plan something very special maybe visiting our friends in Spain, Germany and Italy. Yes. I will take lots of photos when we go and make sure we hook up with the best eats around. I’ve been to many places in this world but the wife […]

Canadian Budget Binder- The Saturday Weekend Review #1

Mr.CBB’s  Saturday Weekend Review Well, if you don’t already know I’ve participated this week in the B.C Welfare Food Challenge. This week has certainly been an eye opener for Mrs.CBB and I and I will have a final report about how this week went for us next week. I’ve just started to post some photos of the food I created from my $26 grocery budget for 1 on my Facebook page in the photos album so check them out. I’ve also finished putting up the Christmas lights however I’m still stuck trying to find one small string to finish it off. I might as well say stuff it for this year as I don’t fancy spending more money on an additional 8ft of lights than I did on the other boxes I bought end of season. We purchased our pumpkin for Halloween and it’s a small one but it’s just perfect. I’ll be the one in charge of the carving but I’m not one of those fancy carvers I just give it the ol’ 1,2,3 and stick a candle inside. I’ll post a picture after I have a stab at it and show you the results next week! What do […]

Track Your Overtime Hours Or Potentially Risk Losing Money!

Tracking your overtime hours is probably the last thing you want to do at the end of a long day at work but let me tell you it’s worth it. I’m one of those blokes who used to rely on the computer system to get it right, but not any more.  When you’ve worked countless hours dragging your butt out of work and right into the shower to relax is paramount to writing down your work hours. That’s what I used to do but not any more.  I try not to think of the amount of money I potentially lost simply but not checking my pay stubs against an overtime tracking system. Some people I know would track their work hours on a piece of paper and put it in their wallet. I though why are you even bothering to do that. They were the smart one’s not me.  Mrs. CBB started asking for my pay stubs each week as she typically would find them tossed in a drawer. (the man drawer… we all have them) You would think I’m well-organized and believe me I am, just not with pay stubs. *that’s changed*  I admit I was tired of listening […]

grocery game monthly challenge

The Grocery Game Challenge-May 7-13 What’s Your Savings?

As promised for The Grocery Game Challenge I will post the Coupon Match-Ups May 4-May 10 from SaveBigLiveBetter.  We typically sit on a Sunday and go through these match-ups and design our menu plan for the week and savings attack.  I’m thrilled to see so many new players that want to keep track of their grocery budget and savings by committing to posting it here each week along with me. Last weeks shop consisted of quite a few pink 50% off stickers which we all know Mr.CBB loves… and so do you if you keep an eye out for them at any Loblaw’s stores.  This weeks shop can be up to $82.70 as we had $18.70 left in the grocery budget from last week. Now we don’t have to spend it and sometimes we don’t add it to the following weeks budget. This week it will come in handy as Shopper’s Drug Mart sent us an email Spend $50 and save $10. Here is our shops so far! Freshco 8x Sponge Towel Paper Towels $1.00- $0.75 coupons Reg $2.99 each 6x Relish $1.00-$0.50  Reg $1.79 each 2x Bicks Dill Pickle $1.99- Buy 2 save $1.00 Reg $2.99 each 1x Cream Cheese […]

How To Maximize Your Mortgage

  TAKE ADVANTAGE OF SHAVING YEARS OFF YOUR MORTGAGE Many people get into their first home and are so busy fixing it up, moving in and just getting used to their new home they quickly forget about their mortgage, other than that big chunk of cash that goes out of their account every month. They are losing money by ignoring it! Many banks don’t explain much in the way of “best practices” with mortgage repayment.  One of the simplest is paying your mortgage on either a Weekly or biweekly basis to speed up the repayment process, but beware, some banks offer non-accelerated weekly or biweekly which do nothing to pay back your mortgage faster! Follow this simple system when setting up your payments: If you are paid every 2 weeks, pay your mortgage with biweekly accelerated  If you are paid any other way, pay your mortgage weekly accelerated. The reasoning is simple, say your mortgage is $1000 per month, paying biweekly accelerated puts more onto your mortgage in a year ($500 x 26 = $13,000 vs. $1000 x 12 = $12,000), same with weekly accelerated ($250 x 52 = $13,000). So apart from your mortgage payment, what else can you […]

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 […]

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