University Student Makes Costly Friendship Mistake

SOMETIMES THE BEST PATH IN LIFE IS TO FIRST BELIEVE IN YOURSELF.   Friendship is a wonderful thing especially when you are networking and keeping doors open for opportunity that might come your way. It’s all about who you know right? In most cases, yes but you can’t just rely on friends. Do you tell yourself, “I need a friend” or ” I want a friend”? There is a difference between Needs vs. Wants that we talk about in the finance world and the same can be applied here. If you don’t need it then don’t waste your time, energy or money on it. If you want something then you have to work hard to save money to pay for it. Compare this to earning the friendship of someone new in your life. Don’t get me wrong, having friends is great but at the end of the day they do their thing and I do mine. Contrary to what you’ve read in children’s books growing up life isn’t all about rainbows. There are no unicorns, dolls and talking cars who will watch your back and give you advice. At one point you probably imagined that Spiderman was your hero and […]

Can lending money ruin friendships?

DO WHAT MAKE MAKES SENSE TO YOU   Friendships consist of mutual likes or dislikes or even complete opposites because one person will bring something out of the other. Either way you look at it friends are different from family but can still be just as close. There’s that old saying “You can choose your friends not your family” and for some unfortunate people out there that can be true. Differing views on how each individual runs their lives or what they consider to be important changes from person to person.     Family   I’m sure there’s been times that my parents have had to bite their tongue when it comes to our family and their money situations. Although Mr. CBB is stable with his finances, it doesn’t hold true for my siblings. I somehow was much more aware when my parents taught us about money from a young age. You remember the money-box I spoke about just recently. This is where more financial lessons come into play. I carried those money lessons right up to University and into purchasing my first home at a young age. My parents have had to lend out money more than a few […]

Do you need financial motivation?

PUSH YOURSELF TO SUCCEED   Financial motivation doesn’t normally just jump into your head when you wake up in the morning. Motivation for many typically happens because something is either wrong or you want to make changes to your life. Some people need personal motivation to get through daily, weekly, monthly and yearly tasks and if that’s what it takes, go for it. Asking for help is not easy to do especially if you are a strong, independent person who struggles with showing weakness in any form. I know plenty of friends especially my male friends who won’t even ask for directions because they don’t want to look like they don’t know where they are going. These days we combat that with the GPS but there’s only so much a GPS can do. The same goes with letting our finances ride out on their own. You can’t expect to see optimal growth in your savings account if you aren’t focused on growing it. Same goes with paying your bills on time and earning enough money to pay cash for something you want rather than putting it on credit. Motivation to have patience and wait until you have your feet on the […]

Is being taken for granted taking more than just your time?

BUILD CONFIDENCE AND YOUR BANK ACCOUNT There is only one reason someone will take you for granted and that is because you let them. You are the nicest person anyone could ever wish to know, you have a heart of gold and would do anything for anyone because you are so kind, honest and enjoy seeing others happy. Treating others with respect and if they need you for something you will always be there for them no matter who they are or how they have impacted your life in the past and present. If the above sounds like you then you are also an easy target for those who want to take advantage of you whether it be with or without intent. Most often it’s the people who are closest to us in our lives that get accustomed to your good nature and think that you will do something all of the time with nothing in return. We are all created the same way but the way we think, feel and act are all learned in my opinion and we become the person that we are because it’s what we were trained to do or it’s the way we handle […]

The costs of being too nice

Our Footprints Leave Our Mark On Life Is being too nice a bad thing? Only you can answer that question but for many people on the outside looking in the picture is crystal clear. Most often it’s quite apparent when you can see others who might be taking advantage of someone’s good nature although it may not be intentional it’s a dependency that happens because it’s allowed. Today my wife shares a bit about her mother growing up and how she was the go-to mom for all of her friends and for her and her siblings. I also talk about my best friend who is a one in a million guy, unique at best but certainly worth having around as a great mate and how his life is surrounded by giving up his time for his loved one’s. Mrs. CBB When I grew up my mother and father were and still are very caring people especially my mother who enjoyed hanging around with us and chilling out which no one seemed too worried about. I’m pretty sure my friends would wonder what was up if they came over and my mother wasn’t around to ask them if they wanted something […]

How we quit comparing financial numbers

Adjusting Your Financial Focus  Some people like knowing what their friend’s financial numbers are, other’s don’t. Comparing what you don’t have to what they do have could hurt you in the long run if you don’t view it from a positive angle. People will complain, moan and groan about what they have or don’t have and why they deserve more or how they worked hard but life crumbled on top of them. Sure everyone has a story and likely a story worth listening to but will anyone really care about what you didn’t do in order to be happy with your life? Note I said happy, not rich and famous. I’ve talked about it before how both my wife and I never did use a budget when we first got married.  We simply spent less than we earned and packed away money when we could after our everyday expenses were paid. That seemed like the common sense approach to personal finance and how people would amass their net worth. We knew that it didn’t matter how much money we earned it was how we were saving it that mattered. You can make $1000 a week but if you blow $950 […]

Mr.CBB’s Weekly Blog Post Picks Oct 26,2012

Each Friday I will Blog Mr.CBB’s Blog Post Picks of The Week. This may include posts and shares from Friday Previous up until Thursday the following week. I like to recognize those sites that genuinely enjoy the content of my blog and share it. I can’t believe it’s Friday already. It seems the more work I start doing outside and around the house the faster the week passes by. You can read what I’ve been up to each week at home and the blog each Saturday now with my new featured post “The Saturday Weekend Review“. Alternatively I would rather spend my time exploring the world with the lovely Mrs.CBB then cleaning the house. So,  unless I win this weekends Lotto MAX at $50 million, then that’s not likely to happen. This week has been a super busy week at the blog and as the blog grows so does the time it takes to get through all the emails and the social media mentions. I’m enjoying the new people I’m making friends with as I realize that learning from each other is more important to me than anything else. This week as you will see below I did plenty of  reading and commenting on […]

Organizing A Frugal Backyard Barbeque Party

  Frugal Backyard Barbeque Party, is that possible? Of course it is! Summer is now in full swing and if you are like us we are getting invited to parties left, right and centre. All these parties can add up and of course if you are hosting the party it can also cost you a pretty penny. We don’t budget in extra expenses for summer time parties so our expenses are coming out of our grocery budget. For example, we are going to a backyard party next week where we were asked to supply 2 boxes of burgers. We figure if we weren’t eating at a party we would be eating at home so the food we bring whether we eat it at the party or home is coming from the grocery budget. When we want to host a large party in our backyard we like to plan ahead to make sure everything goes off without a hitch.  Have you ever been to a party where there wasn’t enough food or so disorganized you get bored?  There’s nothing worse than your guests wanting to run to the nearest pizza joint after they leave your house because they are ready to […]