Why Are You Being Frugal When You Don’t Have To Be?

why are you being frugal when you don't have to be

MIND YOUR OWN FINANCIAL BUSINESS   The whole saving money and being frugal movement is always filled with people who just don’t get it. Wanting to save cash is not a new concept even if you think someone shouldn’t have to. It’s amazing how saving money ideas are crucial when running a business but not when it comes to personal finance for some people. Even if you don’t own a business you can bet your employer successful or not is always looking for ways to curb spending. You don’t have to be budget poor to live a frugal life and you can be rich and frugal at the same time-Imagine that! Mrs. CBB and I were at a friends dinner party about a week ago enjoying some of the finest foods including triple brie, prosciutto, melons and a main dish that we would only make for a special occasion. I guess that means we were all special. Most of the people in attendance would be considered “rich” or “well-off” because they own successful businesses or have thriving careers in the medical field. My wife and I don’t typically talk about personal finances with anyone however sometimes we’ve been happy to […]

Will 24 hour Facebook Auction Pages Make You Rich? : The Saturday Weekend Review #122

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SELL ITEMS ON FACEBOOK   What started as a place to connect with family and friends has turned into a money-making venture with Facebook Auction pages popping up all over the free social networking service. The 24 hour Facebook Auction pages have quickly become some of the best auction sites around because of the sheer volume of people who use Facebook. My wife and I are not shy to say that we love second-hand shops. We hardly buy anything new unless we need to because most often we can find it used for quite a bit less than retail or sale prices. If we aren’t scouring through the second-hand shops we are checking out Kijiji which is an online buying and selling website where you can post your Wanted or For Sale ads for free. Kijiji is much more than buying and selling though since it’s branched out to include vacations and employment as well. Over the years we have purchased so much from Kijiji we’re safe to say that most of the contents of our home has been previously loved. Another way we would score great deals was from the more traditional route in the form of a garage […]

Why your Facebook feed is flooded with a lucrative gift card offer

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FREE DOESN’T ALWAYS MEAN FREE   I know many of you who are on Facebook may have noticed a spike in Facebook fans sharing posts about how they managed to grab a $500 Costco gift card by sharing. Sounds lucrative and typically these types of advertising schemes on social media are too good to be true. Pop-ups suck! Why? Many are just hoops, read on!   What is the easiest way to make money? Work for it! Yup, I know it’s hard to swallow but that’s life. If you were one the many people who thought that internet money was going to fall into your lap with 5 easy group shares you’re not alone. I can’t even begin to tell you how my Facebook feed was flooded with Facebook fans who were sharing a giveaway not sponsored by Facebook or Costco in any group they could find. Ads on Facebook plague social media users on a daily basis and many people have thrown in the towel moving on to other platforms because they simply can’t handle how Facebook has become such a showcase for money grabs. Then again what comes free such as the Facebook platform means that the company […]

The Saturday Weekend Review #52: Should all computer pricing errors be honoured?

Pricing-Errors

TO HONOUR A PRICE OR NOT   We’ve talked about pricing errors before here at Canadian Budget Binder which is essentially either a glitch in the system, human error or simply a price not being changed properly. Earlier in November I talked about an online glitch for Wal-Mart but they did give back to the customers in question with a $10 gift card. In Canada we call this the Scanning Code of Practice (SCOP) which most stores follow such as Wal-Mart, Shoppers Drug Mart and No Frills just to name a few. The short story is if a price scans higher than the shelf price you get the price free up to $10 or a $10 deduction from the price if it is over $10 in cost to you, provided the store participates in the program. Sounds great, and it is as long as you are aware of SCOP which sadly, many people are not. I was reading a story on Yahoo this morning about a computer glitch for Delta Airlines apparently caused by a junior programmer. Prices for first class flights were being offered at prices that no one could refuse and they were being snatched up and fast. […]

PF Weekly grab a brew #38: Leading the CBB team plus a new blog design and move

When You Have A Team In Your Corner Lead Them It will be 2 years January 2014 when I will celebrate the beginning of Canadian Budget Binder on a whim in my kitchen with a piece of paper, a pencil and a wild brainstorming session. Little did I know that in a short time I would have so many fans and other bloggers that are my rock and keep me going every single day. If you don’t already know my wife is going for a major surgery next week and I’ve been very busy behind the scenes with her as she is more important than anything to me and is very nervous. I haven’t been around to comment much although I’m checking in at all my favourite blog hot spots to read and share with my fans. A big thank-you to my good friend John from Frugal Rules and Karen at Lil Suburban Homestead and of course my in-house superstar mom and passionate lover of writing and helping others Katrina for accepting my call for help for guest posts while I tend to my wife in the next week. I know you will love what you read and if you […]

PF Weekly Grab A Brew #28: Protect yourself when buying and selling online

I don’t know how many times I’ve read about people getting injured, robbed or sadly killed through buying and selling through online ads. Shopping online for a second-hand bargain is great but not if it comes at the expense of either the seller or the buyer, which for some could end in a not so nice fashion. Car scams keep popping up in the news and it’s about time we took action against these people who just don’t know how to make an honest living without ripping people off. I’m one who enjoys shopping on Kijiji Canada but I’ve never bought from Craigslist although I’m sure they are one in the same. You can even surf Facebook Marketplace and local online for sale ads in your community on Facebook to buy, sell and/or auction off items you no longer want. That’s great right? You’re making extra money that you can use to put towards your budget or to grow your savings account. So what’s the problem? The problem isn’t so much what we are doing; the buying or selling, it’s the crazy people out there that are willing to stop at nothing to make a few bucks with these scams. […]

PF Weekly Grab A Brew #27: Wedding money gift was not enough

Celebrate Your Love With No Expectations  You might need to grab a brew or two for this one because weddings are meant to celebrate not be used as a money-making venture to pay for the day. I read a recent article online about a bride who was upset because a guest and her date only left a $100 wedding gift. It made me wonder how many newlyweds think that they should get more than they do as gifts from their guests? The article was originally featured on the Huffington Post and I hope that other brides and grooms who think that their guests need to give them a certain amount of money come back down to earth. Wedding gifts Wedding gift etiquette for most is given as a gesture of appreciation to the bride and groom for the invitation. Expectations should not exist because not everyone on your wedding list is made of money. I don’t know many people who are these days to be honest with you. I fail to understand why people invite guests to weddings, parties, baby showers, birthdays etc, if they hardly know someone or have not talked in many years. I’d rather not go at all, […]

PF Weekly Reading List #17-Customer Service, Business Suicide And Social Media

  Customer service and business dealings have changed over the years where many now turn to social media such as Twitter and Facebook to vent frustrations both from a business and customers perspective. From a consumer’s perspective I know it’s likely only going to get worse instead of better, especially for those that feel their voice is much more powerful via social media. The Good Old Days There used to be a time where we filled out a “customer satisfaction” card at a restaurant or business, talk to a manager or simply make a phone call but these tactics are not as common any more. Now you can read the back of your receipt or bill and go on-line to leave and fill out a survey to leave the good, the bad and the ugly comments about the service you received. Some people go as far as to Tweet a business that is not giving them the service they were  promised or the answers they need in a timely fashion. If a customer doesn’t receive the service they expected it’s important for business owners to know so they can improve. Without this information it’s difficult to know what direction to […]

The Saturday Weekend Review- #16 Are You Making A Difference?

Making a difference seems an appropriate title for this post since I want to share Bloggers and fans who are making a difference with my community here at CBB. When I started Canadian Budget Binder I really had no idea what I was setting myself up for but it certainly wasn’t what it has become today. It’s been one heck of a year and I’ve learned so much from people all over the world. In the wake of the Boston Marathon bombing and the Texas fertilizer plant explosion it was just another grim reminder that life can pass us by in an instant. All the things we wanted to say, all the things we wanted to do may never get heard or accomplished. Some of the photos, the heroism of the people who did whatever they could to help the injured, really there is no words. Amazing. I remember life in the 80’s when having fun and being carefree was part of a daily routine for me. There were no computers to play on so I just hung out with my friends learning, building things and taking them apart, but goofing off most days. This world has changed alot, some […]

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 […]

The A-Z Of Saving Money E-Book-A to Zero Excuses!

When Glen who blogs at Monster Piggy Bank emailed me about this new A-Z e-book project he wanted to start working on I thought it was a great idea. Glen had also asked me if I was interested in contributing to the e-book along with many other personal finance Bloggers and I was honoured that he had asked me. I had thought about writing an e-book last year but I was nowhere near that stage in my blogging hobby to even attempt that. I just knew that one day I might want to take everything that I have learned and put it into a book that everyone could easily read. At that point though I was still learning about blogging and networking with many Bloggers whom I consider good virtual friends today. I’m not kidding when I say I read over one hundred blog posts every week and can’t get over how friendly the personal finance Blogging community really is. Canadian Budget Binder When I started to brainstorm for Canadian Budget Binder I knew that I enjoyed talking about saving money and finance but I was far from a finance professional. I’m just a regular guy with a dirty little secret, I have a […]