How to become Financially Free in a How To World : March Net Worth Update (+1.46%)

HOW TO LOSE A GUY IN 10 DAYS…   Remember that movie? Even the relationship industry has poured their hearts out to those in need of motivation for years and making a mint from it. Why? The words How and To can be compared to gold because finding the answers to something you need or want is a relief, a big one. Becoming financially free was something I wanted from a young age even though I was still learning about what the heck it meant. All I knew is that if you needed something you had to have money to pay for it. I knew that you had to work to make money and that it wasn’t always easy to find a job unless you specialized in something that was needed. I ask myself, ‘How to’ do something when I don’t understand what I’m doing and Google it. I did lots of that when I was in University and I still do it today for just about anything I need clarification on. Is it all true what we read online? No, so before you rush out to make millions of dollars from licking envelopes be ready to embrace the good, […]

grocery game monthly challenge

4 Costly Kitchen Distractions To Avoid While Cooking : The Grocery Game Challenge 2016 #5 Oct 31-Nov 6

KITCHEN SAFETY AND EXPENSES BEGINS WITH LIMITING DISTRACTIONS   You might think what I’m about to say is NOT a big deal until something happens to you or even worse someone you love. Both mental and physical distractions while cooking can produce a ruined meal, injury, death or damage to your house or apartment. Don’t turn your kitchen into an episode of Kitchen Nightmares. It’s so easy to get caught up in everyday life that when we get home it’s tough to turn off from the work day. How we choose to try and do that may affect the way we prepare meals in the kitchen and potentially your wallet depending on the outcome. You or someone else could lose a life You or someone else could get injured You burn and ruin your meal You cause a fire What are distractions? Distractions are anything that takes your eyes and mind off the task(s) at hand. Related: Should I get tenants insurance? You may be one of those people who are able to multi-task and do it all but when I’m in the kitchen I like to think I’m on the job. Imagine you were a chef in a restaurant […]

Chunky chocolate chip walnut cookies

Homemade Cookies Baked With Love   You can’t go wrong with chocolate chip cookies with walnuts and a hot cup of tea. I’m a big fan of cookies so I tend to make them often over cakes since I’m the only one who eats them. That and cookies are dead easy to make and don’t cost as much as buying them from the bakery. You can’t compare homemade cookies to bagged cookies either. Growing up my mum made cookies (biscuits) often because she didn’t fancy buying them from the grocery store. My mum used to make cookie baskets for her friends when she went to visit for tea and that was her way of saying thanks for having her and dad over for a cuppa. Saying that I can tuck into a pack of McVities Milk Chocolate Hobnobs any day of the week… (sorry mum) but to buy them in Canada costs a mere fortune so I’ll have to wait until we go back to the UK so I can load up on some good eats. I joke with my sister that we are going to hang outin the grocery store just to pick out all the foods I miss […]

Homemade Olive Pita Bread

Making homemade olive pita bread is easier than you think and it won’t break the grocery budget. Even if you don’t like olives in your pita bread simply leave them out of the recipe. We’ve been buying pita bread lately to get away from traditional loaves of bread and it’s much more versatile for us as a couple. Although we normally buy it we wanted to try and make homemade pita bread to see if it was worth all the hoopla in the kitchen. It sure was, absolutely worth every penny and the time and effort to make it. This is now going to be a regular recipe in our home although I may modify the flour for my wife who would want a whole wheat pita. You can flavour your pita bread with olives, sun-dried tomatoes, basil, chives and parsley. You really can add any spices you like to this pita bread recipe to make it your own custom bread. For this recipe I used a white all-purpose flour although you don’t have to stick with white flour as there are other options. If you love pita bread and you can’t have white pita you can easily make a whole wheat […]

How Much Should My Grocery Budget Be?

SAVING MONEY WITH A BUDGET   Last week Mr.CBB asked me, “What do you think is a reasonable weekly grocery budget for 1 person in Canada?” The question got me thinking: You can’t define a single weekly grocery budget that will work for everyone because there are too many variables.   Determining your grocery budget   First and foremost, a budget is determined by income. Some people can afford to spend more on food than others. A Budget is also affected by food prices, which can vary depending upon your location. For example, because the weather is inhospitable to farming and the location remote, food will always cost more in the Yukon than it will in Ontario. Through need or preference, some people will have special dietary needs. If you need to buy special ingredients due to an allergy or illness, or if you choose to eat only organic foods, you can expect to pay a premium for shopping to accommodate those requirements.   How much effort are you willing to put in?   Grocery budgets are also affected by how much time and effort a person is willing to invest in food preparation and meal planning. When I’m not earning a pay-check we spend less money on […]

The Frugal Basics-Convenience Costs!

SPEND YOUR MONEY WISELY   I’ve been taught many lessons on how to be a frugal girl, but one of the biggest lessons that I learned on my own was that convenience costs.  It costs big time and living frugally has improved my belief in keeping it simple.  Anytime you make it easier and quicker, it also makes it more expensive. Have you seen the price of food? Manufacturers are cashing in on our laziness and that we have next to little time these days. I’m  often asked “How do you save money” and my mind races with ideas to share. I’ve figured out for myself that if I spend a little time each day I have off work I can do things that save me a good bit of money. Not a little, but over time a lot. It also saves me time in the long run because if I think far enough ahead, I don’t have to make these things again for a while.   Convenience 101- What I’ve Learned   Making My Own Cleaners By the time you clip your coupons, look for sales, run to the store (or several stores) and then get home unpack and eventually […]

Get Smart With Your Smart Meter!

Get Smart With Your Smart Meter! By: Canadian Budget Binder Everybody’s got ’em, some have ’em working already, others will be starting in May 2012 and most already hate ’em. You guessed it, I’m talking about the new TOU (Time Of Use) Smart Meters. Although not a new concept in the grand scheme of things, they’re here whether you like it or not. There are other countries that have had a variety of  “time of use” schemes for years.  I can remember as a child in  England me mum always had the hot water on a timer coz of “Economy7“. Having cheaper electricity at certain times of the day has been natural for me, but for the Canadians I know it’s quite the sore point. What’s the problem? Well the Canadian climate for starters isn’t exactly stable, where swings of 70 degrees Celsius between summer and winter exist. Heating and Cooling the house is a major player in the bills department. What did I do? For starters I got rid of my old Mercury switch thermostat and replaced it with a 7 day programmable. I can set the thermostat warmer for when the fans kick in on cheap rate, then have […]

Eating In Vs Eating Out- The Comparison

I had to write this post after eating out as I was just shocked at the cost of our meal at a well-known chain Restaurant. I used some gift cards I had received from Christmas to pay for the order. It wasn’t on my dime but I had to use them before they expired. So it’s my birthday and the wife and I decide to order some take out and enjoy the evening watching a movie. We don’t normally eat-in at restaurants  for 3 reasons: High priced food  15-25% Tips to the staff We like to eat home cooked meals We are frugal that’s no secret but eating out has never been big on our agenda unless we were travelling. Yes I know you are saying we need to “live a little” and you are right we should, but at what cost. Cost of Eating Out vs Eating In Here is the run down from last nights meal.. out of 5 stars we gave it a 3.5 We thought we had $15.00 on one gift card and $13.00 on the other. We wanted to go over that price so we didn’t have a balance on the cards. The likelihood of us eating […]

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