One Simple Habit You Need To Help Beat Budget Anxiety : October 2017 Budget Update

YOU HAVE THREE SCOOPS OF ICE-CREAM-WHICH FLAVOUR IS ON THE BOTTOM AND WHICH IS ON THE TOP?   Simply believing that everything will work out for the best financially is comparable to telling a child money grows on trees. Near the end of each year I receive emails from fans who complain of budget anxiety for a variety of reasons. I often reply back with making one simple habit change to ease the pain a bit to help them move forward. No, I’m not Doctor Budget but close. Financial burden placed upon anyone is a weight that you either work hard to build the strength to lift it or will cripple you. Those of you who have been to financial hell and back know exactly what I’m talking about. The journey is never pleasant and comes with a myriad of emotions that can sometimes take over your world. Controlling anxiety no matter what the cause is and it can be multiple things is not easy to do especially when you don’t know where to begin. One of the best resources for your anxiety is yourself and others who are going through what you are experiencing or have surpassed this with […]

What’s Your Sign? Mine Is Debt Free Forever Through Financial Discipline : September 2017 Budget Update

YOU CAN EITHER BE A DREAMER OR A DOER BUT ONLY ONE OF THEM WILL GIVE YOU THE FINANCIAL SUCCESS YOU CRAVE   How do you teach yourself financial discipline? Easy but let me tell you one thing, don’t waste your time if you aren’t ready to make this a life-long change. Have a look at the photo above. If you’re the person who always dreams from the background and wishes that could be you in the canoe then you need to ask yourself why you’re not and what you need to do so you can change that. You can’t just turn on your money-saving mode one month and turn it off the next. It doesn’t work that way. What happens is you’re not being consistent and you may just find your financial hole a bit deeper. Today’s post is to remind you about the importance of a clear-mind and solid plan when beginning your money journey whether it be to pay off debt, earn more money or invest. None of this can be possible until your mindset is in drive. Imagine for a minute that you went on a diet and you did well for the first two months […]

8 Habits We Pursued To Became Powerful Savers : The Saturday Weekend Review #234

ONCE YOU FORM A HABIT IT BECOMES AUTOMATIC   Start to talk about money and everyone is all ears because not everyone is as rich as you think. Over the years I’ve come to realize that not everyone who wants to know about how savers get their money motivation actually want to do the same. I believe that reading about success stories for some people who want to become savers is like getting a high and then slowly coming down because they never take their goals to the next level. Mrs. CBB had her friend over the other day who just happens to be far younger than she is but our sons have grown up together. In fact they are best of buddies so we see them often and celebrate milestones together. Although, we could technically be their parents if we got pregnant at the same age they have, twice. I know, right, twice. They have two children under the age of 3 and they are barely out of their teenage years. They bought a second-hand newer model car, rent a basement apartment, go to school and work full-time. Who does that? Lots of people do and it’s not really […]

7 Facts about Credit Card Loans That make them Overshadow Bank Loans

FROM TIME TO TIME YOU MAY BE FORCED TO MAKE FINANCIAL DECISIONS WHEN YOU DON’T HAVE AVAILABLE SAVINGS.   There are options with-in reach for those of you who are struggling to get ahead provided you find one that works with your budget. In this era of digital transactions, credit cards have a myriad of uses ranging from cashless transactions, reward points to special deals. In fact Mrs. CBB and I typically only use our credit cards to make purchases because of the perks. We pay our credit card in full at the end of the month and hardly ever have to step foot into our bank. Credit cards offer the convenience of shopping almost anywhere across the globe with a swipe, tap or insert payment option. If handled correctly credit cards can be a source of freebies and financial help in the event you are stuck without emergency savings as back-up. Even if you do have savings, sometimes they are just not enough depending on the circumstances. In addition, you can access a fast pre-approved loan within and sometimes over their credit limit. The company advances you the amount that you can pay at a later date with a […]

5 Inexpensive Gadgets All New Parents Should Own : The Saturday Weekend Review #220

IF YOU’RE LOOKING FOR A BABY SHOWER GIFT THESE GOODIES HAVE BEEN THE BEST PARENTING INVESTMENTS YET.   I’m sure many parents reading this can think back to some baby gadgets or products which made their new role as parents a bit easier. Hands up if you’re one of those parents who bought too much useless baby stuff just because you thought you’d need it. Yes, that was us. >>>Both hands in the air. Now that our son is almost 3 years-old (wow where did the time go) Mrs. CBB and I have gone through boxes and boxes and boxes and boxes of baby clothes (I know, right?) and piles of stuff we never used. The biggest problem was that we read too much, believed too much and fell into the “new parent syndrome” mode making sure we were fully stocked with what we needed. Related: How having a baby affected our monthly budget I will admit that we have boxes of baby diapers that haven’t been opened yet, clothes that still have the tags and other crazy things that have never come out of the box. We have a formula mixer that we bought just in case our son […]

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, […]

The Secret Society Of Debt Freedom : The Saturday Weekend Review #217

MONEY BEHIND CLOSED DOORS IS A WAVE FILLED WITH UNCERTAINTY.   There are many secret societies of the world but the only one you should be focused on is that of your debt freedom. Why a secret society? Not many people I know flash around the news that they have achieved debt freedom nor do they explain what it feels like. It’s almost expected that people who have found the key to financial success must share it with the world. That’s fine as long as you’re prepared to deal with the aftermath and there will always be one whether you think so or not. Having money brings peace and an evil all at the same time so choosing your battles wisely is always teeter-totter situation.   Secret society invitation   If you’re waiting for an invitation it will never come especially if pretending to have money is part of the smoke cloud you’ve put on for the real world. There are no awards, no red carpet, bright lights or paparazzi going to be following those who have been inducted into the secret society of debt freedom either. You don’t have to be famous, You don’t have to have a 6-figure […]

How Financial Sacrifice Helped Us Become 40 and Debt Free : The Saturday Weekend Review #212

SORTING OUT OUR FINANCIAL AFFAIRS TAKES MORE THAN SIMPLE MATH   For the first time in her life Mrs. CBB bought a brand new cell phone but it took her 20 years to make the decision to do so. Financial sacrifice has been a huge part of both of our lives from the time we were young and even today now that we have our mortgage paid off, $200,000 in the bank and almost all of our investments topped up. It’s not much really considering we could have done better saving using a budget earlier on in our lives. But to someone else that’s a success they dream about. Let me tell you something, it wasn’t easy and it won’t be easy for you. We gave up lots to get ahead and not a day goes by where we regret anything we’ve done.   Unlimited Moves   The other day we made a phone to Rogers our provider for home phone, cable, internet and Mrs.CBB’s new Samsung Galaxy 7 (S7). The reason for the call was to ask about new Rogers promotions that might help us lower our monthly bill and talk about costs of a data plan for the […]

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