Will signing a room rental agreement feel like moving home?

room rental bedroom

BEFORE RENTING A ROOM……   Signing a room rental agreement could feel like you are moving in with your parents but it could be worse, you could be moving in with Sheldon Cooper. Although renting a room is a great way to save money in the budget it also comes with pros and cons but it’s best to do your homework first before signing on the dotted line. Not all families or couples are the same so like the homeowner who may interview you to see if you are the right fit to move in you want to do the same. If you are someone who likes to live in clean, quiet environment then search out rooms for rent that fit that description. If you don’t mind kids and pets you can easily find a room for rent because lots of families are looking to supplement their income if they have a spare room in the house. Kids are costly after all. Today I have a fan question that came in that I was easily able to answer since I’ve been in his shoes before. I’m happy when the fans do their homework because not only are they saving themselves […]

Holiday gas price increase hits the wallet: PF Weekly grab a brew #68

Fudgy Pie

DON’T WAIT TO FILL UP   With every holiday in Canada we see a gas price increase at the pumps but that’s only the beginning of what to expect. Although the gas price increase seem to be a tradition here in Canada there are no real Easter traditions for myself but the Mrs. likes to spend time with the family around Good Friday and Easter. This year is no exception and we have enjoyed a couple of days away and will eat lots of fish for our Good Friday meal today.   Gas price increase   While we have been off from work we noticed a sharp gas price increase, in fact where we are it shot up 10 cents per litre overnight. I was quite lucky because we had just filled up the day before the gas price increase which is fine for now but what about continuing on? Apparently the gas price increase is supposed to be hitting the $1.47 per litre mark sometime soon and people will have no other choice than to pay it. The other option is to get rid of the vehicle and ride a bike, take the bus, walk or car pool. This increase combined with the new […]

Our mortgage amortization schedule is going in the bin: March 2014 Net Worth Update (+0.75%)

amortization schedule dust pan

 NO SWIFFER NEEDED JUST A FIRE PIT   Yes, that’s right no more checking the amortization schedule on our mortgage to see how far we have come and costs involved with our mortgage. The time is very near where we start the fire and light up those mortgage papers to say good-bye and good riddance. Although the last few months of our budget have been filled with unexpected expenses we are still on target to say goodbye to our mortgage, for good. Next months Net Worth update should be titled, Mortgage free at last…. or something to that effect lol. It’s been a long 5 years in this house but it was worth the sacrifices of using the budget (which is free if you want to download it) to save the money for all the necessities we’ve needed so we can be mortgage free before 40 years of age. Although we’ve had the money for close to a year to pay the mortgage the exchange rate for the UK is at an all-time high since I moved to Canada back a few years ago now. I’m pulling the money I have over there while I can. The last thing I […]

Are you envious of others’ success in life?

Envious of success

STOP THE GREEN EYED MONSTER   Envious definition for me means that someone wishes they could have your success but they just need to find their own path to reach their goals.  The minute your friends Facebook status goes up and says they got a new job, a new car or are in a new relationship do you get upset that it’s not you? Do you question why nothing good ever happens to you? Are you feeling jealous of other people’s success? Don’t be but if you answered no I’d say you are telling a lie because every one of us a tiny bit of envy towards something. It’s how we handle that envy that matters the most. No one likes to feel as if they failed at life and that they have no other options but to accept what they have been given. I think that we can do anything we want with this one life we are given if we find a way to make our dreams come true. Sometimes all you need is a positive boost from a friend or someone who believes in you and before you know it you will land your dream job. Never […]

grocery game monthly challenge

Do full-price items make it into your grocery cart? : The Grocery Game Challenge #3 Mar 17-23, 2014

GGC coupons March 2014

YOU ACCEPT PRICES OR YOU DON’T   Grocery shopping for full-price items makes us cringe but the reality is in some cases you either accept the price or you don’t buy it. At the end of the day it’s either you can afford it or you can’t. If you can’t you don’t buy it and find a cheaper alternative or knock it on the head altogether, if you can. Should I or shouldn’t I? Sometimes when I see people staring at a product in their hand I wonder what they are thinking to themselves. Let’s face it we all talk to ourselves when we grocery shop, admit it. Is this good for me? What are the ingredients? How many calories? What does it cost? Or should I buy it or not? I often think questioning purchase price is the burning question in shoppers minds when they are holding products with a confused look on their faces. Who knows? Many times we convince ourselves that we will find it cheaper even if we have rumbled through the sale flyers for the week. We know that it might mean going from shop to shop looking for an item on sale. One product […]

grocery game monthly challenge

Do you blow your grocery budget if you rush? : The Grocery Game challenge #2 Mar 10-16, 2014

rush grocery shopping cart

LET THE GROCERY GAME BEGIN   I guess only you can answer whether you bust your budget on groceries if you are in a rush. I can tell you what our answer to this question is but I’m betting every grocery shopping situation would be different. The key here is not so much the time it’s whether you are prepared the minute you walk through the doors at the grocery store. Alternatively I like to earn cash back on groceries meaning I like to use coupons and other means to trim the grocery budget like just recently learning about Checkout 51. Another way we save is by using our PC Points because saving money is important to us especially when it comes to groceries and other items that we can easily reduce on our own. Free money is good! You may find cash flows in as fast as it flows out if you aren’t watching where you money is being spent. Can you agree?   The grocery rush   Just the other week I watched a mother come zooming in to Wal-Mart with her child who immediately wanted to play on the money operated toys they have in the front […]

Finances are like moon phases: February 2014 Net Worth update (+1.25%)

net worth update February 2014

WATCHING INVESTMENTS GROW   Like moon phases, our finances including Net Worth is constantly changing and this month is no different. There will always be ebb and flow in everyone’s finances, sometimes purely by the choices we’ve made. In the CBB household we didn’t have an awful lot left over as spare cash from last month as we had city taxes and pet costs leave the bank. However, there was positive news on the finance front in the form of yet another increase in the exchange rate due to the falling dollar. This increase has led to our UK funds exceeding the total of what is left to pay on the mortgage and with quite a chunk of money left over.   Moon phases   We are definitely moving into our Waxing Gibbous phase where our finances and what we have set up are starting to fall into place. The Full Moon phase will be when our mortgage is paid off and we can move on knowing that fact that we will be carrying zero debt. In the very near future we have to decide what we will be doing with the spare cash that is left over once the […]

grocery game monthly challenge

Pet peeves at the grocery store : The Grocery Game Challenge #1 Mar 3-9, 2014

dairy section grocery store

NOTHING BOTHERS ME MORE THAN…   Some of the biggest pet peeves at the grocery store are what motivate people to get in and get out. I don’t know about you but my pet peeves can vary depending on the time of day to the day of the week that I go grocery shopping. While I was writing this I decided to put together a list of pet peeves that really get under my skin at the grocery store. They say not to sweat the small stuff and I really am a laid back kind of guy but there are some things that just make me shake my head. There are things that get under my skin but I don’t really show how it affects me because it doesn’t benefit anyone but me. That never solves the problem but deep inside I just wish things would be different. Back to the saying, ‘not everyone or everything is perfect’ and ‘go with the flow’.   Pet peeves   Not everyone will find my pet peeves bothersome but to be honest, they shouldn’t. They are my pet peeves and since we are all different I bet your pet peeves will be different […]