Can lending money ruin friendships?

friendships money

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 […]

MR.CBB’s Weekly Blog Post Picks July 20,2012

Good Day Mates!- Wow, did I ever read lots of blog posts this week! I’ll be honest it’s been a doozy of a week for me though so I’be been doing some serious multi-tasking. I’ve painted up a storm as you may already know and still waiting for my landscaping materials. I’m actually to the point where I don’t care if they come in around September as it will be cooler for me to lay my new path and dig the holes I will need. Next weeks project is to put our new entry door in, paint the garage, and put in the new man door on the garage and cold room. I don’t need a “honey do” list I make them for myself! We’ve also been busy with our out-of-town student visiting for the month and so far so good.  Our grass looks like hay as we are no longer permitted to water it without permission. I’m happy to say my front garden will have minimal grass next year after I’m done with it. There’s nothing worse than spending money on your lawn only for the city to turn around and say, ya you can’t water it.  Pointless! That’s my […]

How To Say No When You Are On A Budget!

Photo source For some say the word budget and they turn their head the other way. It’s almost taboo to be on a budget for some. They think budgets are for poor people, I don’t need to budget. Ya right, time to get a grip! I’ve never had a problem telling anyone “No” but sometimes it can get frustrating when people just don’t understand. Have you ever met someone who tells you what they do for a living  and you automatically assume they have lots of cash? Likely, we all do it but is it the correct way to be thinking?- No Why is that not the correct way to think? It’s simply not always the case and we don’t know what happens in everyone’s budget and life. How do you know they have a healthy bank account? Can you read minds?  (if so please click here and contact me…. I could use your ability) There are lots of people earning 6 figure incomes but are in debt because they spend more than they earn or have massive student loans to pay back etc. Education is not cheap and most pay for it for years. Another example is when you say oh […]

Friends With Benefits- Helping Us Stick To The Budget

Get your mind out of the gutter…crikey I’m simply going on about Networking! There’s always a dollar to be saved when you network, right? Not everyone is an extrovert but you don’t need to be when it comes to networking you just need to be you~ and talk! What is Networking, you ask? Networking: according to A supportive system of sharing information and services among people and groups having a common interest:Working mothers in the community use networking to help themselves manage successfully. 2.the design, establishment, or utilization of a computer network. The Easiest Way! Talk to the people you know! The Best Way!  Talk to people you don’t know! Example: The easiest way We all have someone on our street that knows everyone’s business- they may do the  networking for you, no effort involved but the initial conversation. True Story(names and career changed): Ethel– (Your neighbour) Hanging out the window with her dog staring at your every move. “Good Morning Luigi, nice day today.” You– Good morning Ethel, yes I’m off to work. Ethel– What is it that you do Luigi? You– I’m a Mechanic at my shop Ethel. Ethel– Oh that’s great Luigi maybe you can take a look at my brakes on my car one day next week? You– Sure Ethel bring your car around on Tuesday at 9am. Ethel– Great, thanks Luigi, see you then. You– Bye Ethel […]