grocery game monthly challenge

How To Calculate and Track Only Your Food Expenses : The Grocery Game Challenge 2016 #3 Dec 19-25

A FOOD COST ANALYSIS IS A GREAT WAY TO CALCULATE THE EXACT AMOUNT YOU’RE SPENDING ON JUST FOOD.   Working out food costs might sound boring but what’s exciting is knowing you’re working hard to save money by understanding your spending habits and tracking numbers. Over the years we’ve began to track our food expenses a bit differently than we have in the past. Originally we would calculate any receipt that came from the grocery store and classified those numbers our grocery budget. This is fine if all you want is a estimate of how much your food expenses are but you won’t get a true number. Some of you budget fans might not want to break it down and just dump the full expense into a dominant category depending on the store you shop at. Some savers like to keep their budget very simple with basic budget categories and then there is the wife and I who like to dig a little more. By this I mean we take our monthly budget and any category that we can think of that should be on its own or that we want to exclusively track throughout the year we give it […]

Are you envious of others’ success in life?

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 […]

Do you live in a financial independence la la land?

Do the math it works   A state of being out of touch with reality and in this case with money in debt…. yep that’s living in a financial independence la la land. You dream of retiring and doing anything your heart desires because you were smart with your money when you were younger but were you really? You don’t have to be married or in a relationship either to be a donut with your money. I don’t normally watch too much television but last night for the very first time we watched Money Moron staring Canadian financial guru Gail Vaz Oxlade. You either love her or you hate her because of her no-nonsense to the point approach with personal finance. I happen to think if you beat around the bush with finances you get nowhere. Sometimes it’s hard to hear the truth but if that’s what it takes to wake someone up from a financial independence la la land then so be it. It’s amazing how many people who want to retire early and think that the road to that money independence is easy peasy when in fact it takes lots of work. There’s more to the fat bank […]

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 […]

PF Reading List #13- Good Friday, Good Food and Meeting Gail Vaz-Oxlade

Today is Good Friday, a religious holiday for many Christians which is celebrated the Friday before Easter Sunday all around the world.  It’s a time to commemorate the crucifixion and death of Jesus Christ. Since we observe this holiday, along with an afternoon mass we will be serving this day as a day of fasting eating one full meal and 2 smaller meals which are normally light meals. Others will be celebrating Easter this weekend with family traditions and lots of  Easter Chocolate and egg hunts. Easy Good Friday Meals Tonight we will be making a meatless meal which will be a lightly fried fish served over lentils and rice a tradition we started last year and hope to continue each year. Another great meal that my friend Megan at Cooking Whim’s posted is a lentil Sheppard’s pie which is another easy frugal Good Friday meal to make for the family. I’ll be posting my version soon but check hers out it looks delicious! You could also go modern and try my meatless lentil Sloppy Joe recipe for some new and exciting at the table that the kids might just love. Come Easter Sunday if you want to hang out with your friends and […]

My Best Financial Tip

THE ONLY WAY UP IS TO LISTEN TO THOSE YOU WANT TO SURPASS   I could probably come up with many Financial Tips but there can only be one best tip from me. When I started writing this blog at the end of January 2012 I told you a bit about us and our journey towards debt freedom. Although we now have the money to pay our mortgage in full we have had our fair share of debts along the way. I’ve never proclaimed to be a financial guru rather just an average guy that wants to get from point A to point B with minimal fuss. I’ve learned that there are brick walls and once you get stuck in the maze it can be tough to find your way out. Don’t hang your head in despair, where there’s a will there’s a way. Sometimes the solutions may not be the optimal choice but we learn from our experiences and do our best to not let them happen again. I’ve met many people who take the time to set goals yet they are so unrealistic even I would fail at them. Today I’m blogging for financial literacy which is led by Glenn Cooke of […]

5 Reasons You Won’t Get Out of Debt

Alright, “5 Reasons You Won’t Get Out of Debt” is sort of negative and off-putting title, especially since I’m usually a very positive person.  But the main reason for the tone of the title is to highlight some of the typical “reasons” I hear from people who are unhappy about their debt situation but never seem to really do anything about it. Probably just about everyone with a functioning brain knows that when it comes to money, being debt free is always better than being in debt, but when I ask them why they have not made a sincere effort to erase that debt from their lives, I start hearing pretty common list of “reasons” (excuses) why they haven’t done it. So if you DON’T want to get out of debt and you don’t want to change your financial life, here are some excuses you should probably be using: I Tried it But it Didn’t Work for Me So once upon a time you finally convinced yourself that paying off your debt was a good idea and you even decided to try it.  Well, if you really didn’t want to get out of debt, then you probably did not to […]

Mr.CBB’s Weekly Blog Post Picks July 6,2012

My weekly blog picks might be slim this week as it’s been a hectic week for me with Canada Day and Landscaping the yard. I’ll admit I haven’t gotten so far with the yard but I promise you that once the materials get dropped off I will be a hot n sweaty bloke for days on end. So far my vacation has been good with visiting the relatives for Canada Day to hanging out with Mrs.CBB doing some of the fun things we like to do such as hiking,making olive bread, walks in the evening and hanging out with our friends. Picture: Making Olive Bread- recipe to follow on Blog! This week I was able to get in a few good reads from the blogs that I follow.  I hope you all get a chance to check these awesome blogs out. I want to start by thanking Jeremy at Modest Money for hosting a poll for fans to vote for their favourite  Top Personal Financial Blogs. Congratulations to Canadian Budget Binder for taking Top Spot! All Blogs have something unique to share but at the end of the day it’s about helping Canadians save money for all of us. Here […]

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