PF Weekly grab a brew #45: Butt out that smoke with kids in the car

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ONLY YOU CAN MAKE THE DECISION TO BUTT OUT Kids don’t always have a voice when it comes to people smoking around them so we must be their voice and butt out. No one likes second-hand smoke and I understand that more than ever since I am now officially a non-smoker. Saving money in the budget is only one perk to butting out or smoking less for those who are working on kicking the habit. The most important perk is that it is saving your health from potential self-inflicting problems which many can avoid simply by giving up this habit. On Thursday the government of Alberta introduced a law Bill 33 of The Tobacco Reduction Amendment Act that if you have anyone under the age of 18 in your vehicle you are no longer able to smoke in the vehicle with them present. There may be a health savings aspect to this new proposed law but it also might save you some money in the budget if you aren’t smoking as much as you used or were allowed to. Growing up my parents did not smoke so I did not have to worry about them smoking in the vehicle when […]

The Saturday Weekend Review #41: Would you buy a house that has a spooky or illegal past?

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Behind Closed Doors Lurks A Story You Might Want To Know You are looking for your dream home when you suddenly find it but then you also find out there is more to the home than meets the eye. Getting my daily dish of Yahoo this morning I was reading about whether Satanists decrease the value of a home. The article had me thinking about what other things might decrease the value of a home that was out of the ordinary and would I put an offer on a home of that calibre. I don’t suspect the property assessment with the Multiple Property Assessment Corporation (MPAC) would be affected as they value the homes that are comparable in the neighbourhood so we might not see any value decrease reflection documented when the paperwork arrives. Then again, what do I know? Whether it was a grow op house for sale, illegal activities, someone may have died or even worse was murdered inside of a house would you put an offer in on a house you fall in love with knowing this information? There was a time last year where a beautiful home sitting on a large property in our city was […]

September 2013 net worth update: (+0.72%) Believe and see victory in numbers

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Your Net Worth Is Seen Through Your Eyes So Open Them Wide I love reading about how other people grow their net worth because it’s motivating for me to see that if someone else can do it, so can I. I believe that having a positive attitude about money is a way to get from the bottom to where you want to go, after all we all started down there. Just the other day I finally included our Canadian Budget Binder Budget Spreadsheet to my Free Money Saving Tools which only took me 2 years to put together. I have had many people test out our budget for me because I wanted it to reflect our values as a couple in terms of finance but also to include elements that others might enjoy. Without our budget I can safely say that our net worth wouldn’t be where it is today although we have a long way to go in order to reach our personal finance goals. This past month our budget has taken a hit with all the spending we have been doing around the house mainly. Finishing the landscaping and purchasing 2 new computer systems cost us big time […]

The Saturday Weekly Review #17- All Mouth And No Trousers!

Behind Closed Doors With Mr.CBB It’s Saturday, so close the door and come on in, sit down, grab a cuppa tea, relax and hang out with me for a moment. No, nobody is going to massage your feet and take the tension from your shoulders and rub hot oils all over your body to take the worry from your mind here at CBB. To make up for the lack of spa like atmosphere at this moment If I can have your attention for 5 minutes I promise I will make you forget about all the crap you have to do this weekend. If not, go have a beer or cocktail with an olive and suck it up! It’s not every day on the blog I get a chance to kick back and wind down for a bit with everything that’s going on in my life. With a newish career, the blog and working hard to renovate around the house life can get a bit hectic for me. I haven’t even factored in the wife but she gets me when she wants so I try not to bundle her in with “stuff to do” list or I may find myself in a […]

March 2013 CBB Budget Update #3- A Quiet Month With The Budget

Well, here we are at the end of March 2013 with another budget update which with confidence I can say is a bit better than our February Budget Update. Sometimes it’s a good thing to have a quiet month with the budget because it helps to put things into perspective. Sometimes budgeting and saving money doesn’t always happen depending on what your priorities are that month. As an example, last month we saved no money in our emergency savings, a big fat zero. We actually spent more than we earned in February which can be discouraging but also motivating to do better the next month.This month we didn’t have any big-ticket expenses like our water softener that cost us over $1000 in February. We didn’t have alot going on this month in terms of expenses but we did pre-pay the full 20% of our mortgage of over $32,000 for the 2013 year which I will get into in an upcoming blog post. I’m expecting next month to be costly for us with having another installment of city taxes to pay and our hydro./water bill will be coming due. Other than that with spring and then summer just around the corner I will […]

The Saturday Weekend Review #13- Happy Easter! Why Can’t People Just Be Happy?

It’s going to be a Happy Easter this weekend for us but I often wonder why some people just can’t be happy. I’m a Yahoo nerd and I pretty much scan through the headlines every day to see what’s happening in the world. I mean who needs to pay for a newspaper subscription these days when all the glory and misery is at our finger tips. I am generally a happy person that I hope people enjoy being around. I often try to understand the reasons why I might be thinking something negative in order to improve by inner health. I’m also one of those guys who is happy for my friends and family when something good happens in their life. Why Can’t People Just Be Happy? We’ve all had friends and family who have had a rough day or are going through tough times in their lives and we should be there to lend an ear to listen or a shoulder to cry on. When something good happens to people sometimes the jealousy monster come out in people where you kind of sit back and say, wait a minute, who are you to rain on their parade because you […]

The Saturday Weekend Review #12- Is Public Intervention The New Norm?

Parenting is a topic that is controversial because all parents want to believe they are doing the best they can for their children in order to prepare them in this world. I’ve talked about teaching children about money from a young age but apart from that the psychology behind why children do what they do is out of my realm of knowledge since we have no kids. Last week I talked a bit about a child who took a backpack from her parents home with $20k inside and gave it to a friend who later handed it out at school. Kids do strange things that we may never understand but how far should a parent go in order to dig deep into their child’s emotions to comprehend their actions and teach them a lesson. I read this article about a 13-year-old girl in Crestview, Florida who lost her uncle in Afghanistan in 2011. The child then started to act up, but it was how far the parents took the situation which surprised me. Her parents felt like she gave up at home, at school and she became more defiant since she was so close to her uncle. Although they tried other […]

Canadian Budget Binder-The Saturday Weekend Review #3 November 2012

  Mr.CBB’s  Saturday Weekend Review Well, Halloween has come and gone but I did promise that I would post a picture of the pumpkin I carved. Please don’t mind the obvious blurry picture as clearly I would have gotten out my tripod. Mrs.CBB said, “nah, it will be OK”. So this is her version of “OK” in the following pictures (after a few drinks). I also scooped out the pumpkin seeds like others said they do. I know it sounds strange but it’s only my third pumpkin that I’ve carved. I cleaned the seeds, added some sesame oil, salt, pepper, paprika and steak seasoning lol.. (gosh I hope that’s not odd). Then I roasted them in the oven 2 days after Halloween so I could let them dry out a bit. That’s not entirely true. The tray was taking too much room up on the counter so we tossed it in the oven. Well 2 days later Mrs.CBB says, “Babe, I think we forgot to roast the pumpkin seeds”. They don’t look so appetizing in the picture but I’m currently munching on them as I type this and they aren’t so bad, if you like cardboard. A nice cold beer to […]