grocery game monthly challenge

How To Curb The Fast Food Temptation After Grocery Shopping : The Grocery Game Challenge 2017 #2 Jan 9-15

YOUR BUDGET WILL CHANGE IT’S COURSE IF YOU’RE NOT WATCHING HOW MUCH YOU SPEND WHEN YOU’RE NOT LOOKING.   Let me show you why you’re eating out after grocery shopping and how to beat the temptation that could send your budget into an unbalanced mess. The idea of spending $200 at the grocery store to fill a shopping cart and then buying fast food straight after seems absurd but we’ve all done it. If you want to slash your grocery budget this year it’s important that you look at all the inside and outside factors that influence the way you spend money. The temptation or the idea to cut the time you’ve just wasted in the grocery store seems appealing especially when you’re not in the mood to cook. Eating out means less time doing stuff you don’t want to do after a grocery shop. I am guilty for getting take out after grocery shopping, After all the shopping I’m tired and don’t want to cook- Ami K (Facebook) Eating before you go grocery shopping so you don’t spend more money at the supermarket is a well-known fact. Depending on what you eat and how much you’ve eaten you might […]

Our 2016 Financial Journey Has Come To An End: The Saturday Weekend Review #204

  WRAPPING UP ANOTHER YEAR OF FINANCE AS THE NEXT IS SET TO BEGIN. ARE YOU READY TO TAKE CHARGE?   It’s just about time we say goodbye to 2016 and get ready for the challenges that await us in 2017, and there will be some. With rising food costs, increased utility bills and the ups and downs of interest rates we’re in for another tight year of saving and investing. Every December I get an influx of emails from readers who want to put the year behind them and start anew with a fresh outlook on their finances. This is a great opportunity to set up your 2017 budget especially if you are motivated to do so. My blog budgeting plan for 2017 will include lots of budget talk and possibly a more in-depth look at a new budgeting series to compliment the first I wrote back in 2012. We’ll call it CBB Budgeting Series v.2 only because I’ve learned much more over the years and feel I should share everything I know about budgets. This is the last Saturday Weekend Review post for 2016 and I hope you’ve enjoyed all of the fun we’ve had here on CBB. […]

What It Feels Like To Have No Debt When Others Struggle : November 2016 Net Worth Update (+1.58%)

NO MATTER WHERE THE JOURNEY TAKES YOU FEEL THE ADVENTURES FOR THOSE WHO ARE NOT.   Do I know what it’s like to struggle financially and feel like I’m not going to get ahead? You’re damn right I do, but not the way you might be or someone else might be. Our struggles are our own but even then it can leave a lasting scar. Let me explain why and how I overcame these dark feelings and my importance to motivate others to feel their financial dreams too. I can’t remember a time during my teen years where having no debt was part of the equation in my day-to-day activities. Making money and saving it was what life was all about for me up until I bought my first flat at age 19. That’s when my financial radar kicked in and boy was it a shocker. Related: Was I too young when I bought my first property? It was then when I realized how debt could make you feel since I’d always paid cash for anything I needed. I don’t come from a wealthy family in fact most of my years were spent working to save for anything I needed, […]

Become Debt Free By Asking The Mirror These 3 Questions : The Saturday Weekend Review #192

FIRST YOU NEED TO STOP GOING INTO DEBT BEFORE YOU CAN GET OUT OF IT.   Now is the best time to become debt free and unleash yourself from the daily stress that accompanies owing money for stuff you’ve bought or already enjoyed. Debt is a dark place because you always feel attached to someone who can make or break you financially. Some people feel vulnerable because of money and having to take out loans or putting purchases on credit and they should be. We all are susceptible to the dark alley that accompanies debt if it’s not paid back to whom it may concern. As fast as it’s given everything we own can be taken away. That’s terrifying. Focusing on ways to work harder for ourselves so we don’t have to rely on credit or creating unnecessary debt is possible but without your support you’ll never succeed. Having a student loan or a mortgage is just as important as consumer debt however these are debts that most people have. We take these debts on in hopes of getting ahead financially with a solid career and having equity in real estate. If you want to become debt free and wipe […]

5 Reasons Why You Should Build Wealth From The Inside Out : August Net Worth Update (+0.95%)

  BUILDING WEALTH FROM NOTHING IS NOT IMPOSSIBLE AND WORTH THE CHALLENGE   You can’t be financially successful unless you’ve created a personal manual and mastered it which is why it’s very important to build wealth from the inside out. What does all this mean? It means you need to have a purpose before you can fulfill your financial dreams and the only way to achieve this starts with-in by writing a story. To build wealth you must do 3 things; Plan it, Master it, Live it.   Build wealth without fear of failure   1. Investigate step by step the reasons why you want to be financially free. Once you have a clear view of your path or even an inkling of where you want to be it will help you take the first step. For example when Mrs. CBB and I decided to use a budget we talked about why we wanted to use one and wrote down some key points to make sure we were on the same page in the manual we were creating to build wealth. 2. Create a strategy and a sketch It’s great that you have ideas but you need action steps to […]

5 Motivational Inspirations To Consider While You Bulldoze Debt : The Saturday Weekend Review #188

IF DEBT BOXES YOU IN THERE ARE WAYS TO HELP PULL YOU OUT.   Becoming a motivational push for those who have large amounts of debt isn’t as easy as it sounds even if you are debt free and have been down that same path or a similar one in the past. When I started blogging at Canadian Budget Binder I didn’t realize how much of a motivational inspiration I would be to many of my fans. I thought I would be writing for myself but almost 5 years later and thousands of readers I have an audience that  motivates me to share our financial experiences and those of other fans. If I didn’t believe that I was influencing my readers in any way especially by letting them into our home and financial world I would have quit blogging years ago. That’s clearly not the case as my readers are my rock. The sheer amount of emails that I get from fans looking for budgeting tips or sharing with me their success stories because they read my blog motivates me to keep on writing. Do you see how this works? You give, you get, you give, you get. It all […]

How to Pay Cash For What You Need The Right Way : The Saturday Weekend Review #186

JUST BECAUSE YOU HAVE THE CASH TO BUY SOMETHING DOESN’T MEAN YOU SHOULD.   Believe me when I say there is a right way and a wrong way to pay cash for something. Choose the wrong way too often and you’ll soon know why you should have chosen the other option that many people forget, savings. If the ice-cream cone in the above picture caught your attention make that a reminder just how easy we are swayed by things that tempt us. Wouldn’t it be nice if that was you enjoying that ice-cream cone? You deserve it, but can you afford it? Related: I can buy it but can I afford it? Not everyone can get credit but if given the opportunity it’s just as easy to burn a hole through plastic as it is to empty your bank account of cash. Just because you pay cash for purchases doesn’t make you a super-saving, shopping super-hero. What you are is someone who knows the difference between cash and credit but even then that won’t stop someone from spending more than they earn if they don’t care about their financial freedom. All of my life I’ve been surrounded by people who […]

How To Become Financially Secure So You Forget It’s Payday : June Net Worth Update (+0.74%)

FOCUS ON LIFE NOT JUST YOUR BANK ACCOUNT   I know people who count down the hours before payday when their bank account will be back in business. It’s not the best spot to be in financially because you are living payday to payday but the struggle is real for so many Canadians. It becomes a vicious circle until you find a way to put the brakes on a stress that is probably weighing you down. Becoming financially secure is a dream for just about everyone so we can forget the daily worries of car payments, mortgage, credit card bills and a host of other debts that cause stress-related issues, relationship issues and potentially depression. No one likes to feel that they are not in control of their lives especially where money is concerned. What does financially secure really mean? Well, I can tell you that it doesn’t mean that you have a job that pays you big bucks. That misconception is what gets people into financial trouble in the first place. This just happened, check it out.   It takes more than an income to stay away from debt   While chatting to a colleague at work briefly the […]

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