The Saturday Weekend Review #44: Holiday flyer gimmicks that gets your wallet fired up

stores

HOLIDAY SALES START NOW… ARE YOU READY?   Time to ring in the holidays with flyers, flyers and more flyers. Are you ready Canada? A better question might be, Is your budget ready? Boredom for many people can lead to spending more money than they need to, but we should be able to control these urges.   Holiday flyers   Yesterday I wrote about Halloween coming to an end and the best time to put up decorations so it came as no surprise opening the weekly flyers that the stores have wasted no time with Christmas marketing. The hard part is when the holidays surround us and the flyer gimmicks entice us to shop til we drop. Many of you know the shelves are already in the making before Halloween is even over. For most stores Christmas is the biggest time of year when it comes to sales and consumer traffic so every day counts especially if the shelves are not ready to go. The glamour of Christmas for many puts them in the ‘spending spirit’ and it may be tough but it’s a time that we all have to buckle down and get control of our finances. I know […]

How I Changed My Life- I Won The Debt, Divorce, Drugs and Drinking Jackpot!

I won the debt, divorce, drinking and drugs jackpot because I wanted to take back what I gave away, me. My name is Cindy and in 2008, I decided to change my life and today I’m going to share with you my most compelling years in hopes of motivating others who believe there is no way out. I went from a single mom of 2 boys with a drug and alcohol addiction with no job and $10,000 in debt to debt free in less than 5 years. How I Changed My Life It all started when I was in a toxic relationship while living in the Southern United States. I quickly became addicted to alcohol and prescription drugs and driven into a life that seemed like it had no end in sight. We had every earthly possession that two people could want and a thriving real estate business, but it was never enough. We were toxic for each other. I didn’t have the strength or self-esteem to break away. He told me over and over I would never make it on my own. I felt trapped yet I kept telling myself I need to change my life. I needed a quick escape of the life […]

Let Your Coupons Expire And Save Money!

I know it sounds strange that I’m saying to let your coupons expire and save money but the reality is for some people, they can’t let them expire. The coupon binder seems to be a fixture in most grocery carts (British: shopping trolley) these days and if you don’t believe me have a gander inside other people’s carts next time you shop. I’m not saying it’s a negative, but we stopped bringing our binder because we would overspend on the odd occasion while shopping. Now we leave the coupon binder at home or in the car and only take out the coupons we need for that shop. There’s not many times we have the heart pumping “start the car” moments anymore and we’re happy with that. What We’ve Learned  If you follow Canadian Budget Binder you know that I started The Grocery Game Challenge  (GGC) back in early 2012 with much success over the past year. The birth of the GGC was because my wife and I were spending far too much money on groceries for 2 people. We thought we were doing better than our friends saving money using coupons and for the most part we were saving lots of […]

Frugal Ways To Say I Love You This Valentine’s Day

February 14 may be Valentine’s Day but that doesn’t mean you have to break the bank to say, I LOVE YOU. Valentine’s Day is one of the most commercialized times of year next to Christmas in my opinion. Romance is in the air this time of year and when you walk into any shop you will know why. Everything from chocolates, fragrances, jewellery,  lingerie, sexy lotions and potions to unique Valentine’s Day gifts such as furry slippers and cupid shaped candles scream at you to buy me, buy me, I’m the one. Personally we don’t bust the budget on Valentine’s Day because every day is a special day in our relationship. Yes, OK it sounds cheesy but it’s true. That doesn’t mean we can’t plan something romantic for each other. If your woman says she doesn’t want anything for Valentine’s Day, don’t take it literally, do something or risk her heart being broken even if is a hand-written note. In my experience, I’ve found some women anxiously await what their significant other has planned for them; but wait a minute, Valentine’s is not just for women. I wonder if women realize how stressful it can be for a man to pick out the […]

grocery game monthly challenge

The Grocery Game Challenge Dec 31-Jan 6 #1~Happy New Year 2013

Happy New Year’s to all my fans here at Canadian Budget Binder. The Grocery Game Challenge has been amazing this past year and I know 2013 will be even better. We have had fans from Canada and the USA post their grocery shops weekly and we are growing each month with more people who want to stick to their grocery budget. If you are looking for ways on how to save money post your shop in the grocery game each week. I often have people email me to ask me “How much should my grocery budget be?” but the question should be “How much can I afford?” to spend in the budget.  I can’t tell you the amount of people who are looking for magic numbers telling them what they need to spend on groceries every month. I’ll tell you all loud and clear you are the one holding the answer to your question. No one on the internet can tell you what to spend. Once you figure out your monthly budget using your net income the numbers should fall into place. Balancing the budget is the only way you will know how much to spend and besides there may be […]

Mr.CBB’s British SpudNuts a.k.a Zeppole Potato Donuts

Italian Zeppole potato donuts

Ring in 2013 New Year’s with a sweet or savoury Italian potato donut also called zeppole. Zeppole in Italy is a traditional fare that is served on Saint Joseph Day March 19 and during the Christmas and New Year’s Holidays. Last week when I posted my Thai Fish Cakes recipe which is also a great New Year’s finger food I mentioned our mates Marco and Christina and their famous Italian recipe for savoury potato donuts. Being British and all I joke around and call them spudnuts donuts just because that’s what we call potatoes in the UK. I turned their zeppole donut into my Zeppole Spudnut based around the same concept adding my own flavours. Since moving to Canada and being exposed to Tim Horton’s and the famous Boston Cream donut I always wondered; how do I make donuts? It can’t really be that difficult and with the myriad of donut flavours available you can’t go wrong with a homemade donut recipe. From what I understand there are 2 types of donuts a cake donut and a yeast donut but heck I’m not a donut connoisseur. Is a donut a cake? Well when you bite into a Boston Cream Donut for example that is a yeast […]

Mr.CBB’s Weekly Blog Post Picks Dec 27,2012 – A Day Early

I’m a day early for the weekly blog post picks this week and that is because I have a special blog post planned for tomorrow. Don’t try and squeeze it out of me but I’ll tell you it’s one you won’t want to miss especially if 2013 is the year you want to make magic happen. Although many personal finance Bloggers took the week off from Blogging there were still plenty of excellent posts that ended up in my inbox. I thought I was the only one that was nutty enough not to take a day or three off but I guess I’m not. Now that Christmas and Boxing Day are over now is the time for us to plan our New Year’s Resolutions or at least goals for 2013. Last year we both quit smoking and we are still smoke-free today. I’m not sure what we will give up this year but I do know that either way giving up smoking was our all-time “want”  and “need” to do. Blog Post Picks Of The Week A big thanks goes out to these excellent Bloggers for sharing my page with their fans and taking the time out to drop in and […]

Capitalize on Boxing Day Deals in Canada

Boxing Day in Canada is most commonly viewed as a day of fighting through hoards of shoppers beginning in the early hours of the morning. Boxing Day is the day immediately following Christmas during which huge numbers of people will line up for hours outside of stores in the hopes of scoring the best deals. Happening yearly on December 26th, it’s the kind of holiday that people partake in without actually knowing why they’re celebrating it or even when it started. It’s also the time of year during which scores of naysayers argue that boxing day sales aren’t as rock-bottom as they would expect, but the main thing that needs to be understood is that older models and items will be heavily discounted, while a brand new TV that came out this year will unlikely be. The Meaning of Boxing Day and it’s History Though it’s unclear how Boxing Day truly originated, a few historical facts (or perhaps passed-down rumours that were never true to begin with) stand out: On the day following Christmas, wealthy masters of the household would hand servants gifts inside of a wooden or clay container as a kind of token of appreciation for the year, and more specifically for […]