How To Fight Credit Card Debt With A Balance Transfer Option

A BALANCE TRANSFER MIGHT BE THE OPTION THAT WORKS FOR YOU   Ah, the New Year, a new perspective, a new way of looking at things in our lives. For lots of people the New Year means making resolutions or promises to themselves to stay on track with their goals. Maybe your New Years Resolution is keeping that promise to yourself about quitting smoking and saving money at the same time or just saving money, starting a budget or starting a new career or second job. Beginning your year with a monthly budget can be a great start to tackling your debt. We’ve been using a budget for a number of years now and track all of our income and spending which includes asking for receipts. Sounds a bit boring but in part this is what allowed us to become debt free before we were 40 years old. Ultimately whether we had debt or not our budget allowed us to see what’s costing us more than it should and to adjust our spending habits to compensate for it. Related: How to create a results driven budget for 2018 I’m not going to lie to you, having a second job helped […]

You Won’t Believe The Year CBB Had In 2017 : The Saturday Weekend Review #246

THE GOOD, THE BAD AND THE UGLY SIDE TO OUR BLOGGING JOURNEY   I’m not sure if magical is the term I’d like to describe 2017 for Canadian Budget Binder like it was in 2015-2016 but I will say it was challenging and we conquered it. We may not have reached all of our blogging, personal and financial goals but there was no way in hell we were going to give up, and we didn’t. There is no good, bad or ugly to CBB rather we tend to view it as opportunity to do better, learn from our mistakes and take on new challenges. I’ve grown so much as a blogger over the years and the most important thing I’ve gained is a reminder that this blog is MY opinion. I don’t get bothered as much when people say what they want to say like I used to. You can take it, or leave it. Isn’t this the way we should look at most things in life? If it adds value stick around but if you’re not willing to change your financial situation or don’t care then leave it. One of the coolest things we did in 2017 was take […]

PF Friday Grab a Brew #48: How to ask for help when it comes to money success

YOU NEVER KNOW WHAT SOMEONE HAS TO SAY UNLESS YOU ASK A QUESTION Money success to me means that we are in charge of our own lives and how it plays out really depends on many factors with the main one being understanding where we stand financially. When it comes to our personal finances we were never the couple to ask for help nor did we disclose how much money we made or saved because we simply didn’t want people to know. Starting the blog CanadianBudgetBinder.com was and still is a way for me to talk about personal finance and how it applies to our budget but also to open up and learn about others successes and failures. When I first started chatting to my friend over at Nurse Frugal and her husband whom she calls Mr. BT almost 2 years ago they were on a journey to become debt free including their mortgage using a budget and Dave Ramsey principles. They have now paid their mortgage in full as of November 2013 an exciting time for this young couple who worked so hard to reach this goal which you can read about it in their latest post “Freedom”. What […]

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