The Saturday Weekend Review #10 December-White Christmas,Facebook $1 Fee

Saturday Week In Review Mr.CBB

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Don’t forget to ENTER the $100 CASH GIVEAWAY that I am co-hosting. Open to USA and Canada or as long as you have Paypal. Giveaway ends on December 28,2012~

Mr.CBB’s  Saturday Weekend Review

A White Christmas may actually been in the forecast for Ontario however it seems to change hour by hour. All I care is that we arrive at our destination safe to spend the Holidays with our loved ones. If you are on the roads please make sure your vehicle is winter ready and drive safe.  Happy Holidays to All!

Financial News Mr.CBB

What’s Been Happening at Canadian Budget Binder

OK, I must have a bit of a chuckle after learning about the Facebook $1 Fee that they will be testing out when someone sends a message to strangers. I posted this on Facebook last night and many fans came to say they would never pay to use Facebook. I agree, neither will I. Personally it doesn’t really affect me as I don’t contact random people.  I don’t know where they will take this but it seems some groups might be affected from what I’m told. Couponing sites and buy and sell Facebook pages rely on the messaging back and forth to make coupon trades or sales of used and new items.  Will it be a matter of time before “Free Facebook” becomes “Fee Facebook”?

Other than that the blog as you know is going through a redesign and one that I was told by my awesome designer that would be super-duper awesome. Not in so many words but I know that Andrea is going to change the way we look at Canadian Budget Binder. I’m sure all of us will look back and laugh at the site that I have now and wonder how I made it through one year. I’ll tell you, it’s the awesome fans and that’s why I’m taking this site up a notch! Get ready for the New Hot ,Sexy, and Stylish  CBB!!!

Canadian Budget Binder’s Weekly Post Recap

I’m currently accepting guest posts. If you are a blog owner give me a shout! I can’t guarantee everyone a spot but give me your best topic pitch and show me what your work looks like!

Guest Posts I Wrote:

Top Blog

This is where I will share the top website that sent me the most traffic for the week! The Top Blog To Drive Traffic To Canadian Budget Binder for this week goes to Mrs.Janaury.com, Thanks Cassie!

Top 3 Blog Commenter’s- This is to recognize those fans that contribute and visit Canadian Budget Binder….

Blogs That Shared Us With Their Fans This Week!

I know many of my fans read this post as they tell me they wait for it each week. To all of my fans please check out these personal finance Bloggers below and follow them. I read their Blogs everyday and I know that you will benefit from them as well.  Come back each week as I will name other Blogs that I think you should follow!

Thanks to all the Bloggers that link up and share my posts and this is why I do my best to share your posts with my Fans via social media, so thanks! -Mr.CBB

(If I miss You..please let me know as I didn’t get the Ping and I will include your post next week as this runs Sat to Sat so if you linked me on Sat it will show up next week)

Carnival Mention

Personal Bankruptcy Canada- Personal Bankruptcy Blog Carnival December 19,2012

web search terms

What People Searched to Find Canadian Budget Binder on the Web

Search terms of the week are really a hoot! Here are a few of them for your viewing pleasure.  What are you saying about them? Any typos below are simply the person who searched who made the error or me ;-)

Top Pick- Where in Ontario are the biggest snobs from? – Who looks up this crap, really?

  • Scrooge Gifts- Ba Humbug, I’ll just look on-line this year says Scrooge…
  • Women Who Want Men Initiate- Who’s complaining?
  • Why do my balls not hard?- Please tell me you are referring to peanut butter balls.
  • Is Growing Celery Hard?- Not unless you plan to wake up in the middle of the night to feed it and sing it a lullaby.
  • Canadian Government Scanning Me- Why, are they after you?
  • Why I like Scrooge- Maybe because he’s frugal because it’s certainly not his personality or looks.
  • How do you mate cauliflower and broccoli- Feel the love folks! Welcome baby Caulibroc!
  • Where to buy peanut butter balls? – At my house of course… “Open for Business” :-)
  • Canadian Version of The Grocery Game- You got it baby.. except this one cost you no dinero (that’s no money) and has nothing to do with the American Game at all.
It's Not About How Much Money You Make It's How You Spend It

Mr.CBB’s Quote

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If you are new to Canadian Budget Binder >>>Start here!

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Do You Have A Question For Mr. CBB? The best way to get in touch with me is on Facebook…

Mr.CBB’s Blog Post Picks- Dec 21,2012- Christmas, Immigration and Miss Universe

mr-cbbs-weekly-blog-post-

Mr.CBB’s Top Blog Post Picks of the Week

Well the countdown to Christmas is on and we are ready to drink up and eat until we no longer can look at food. No, we really don’t eat that much but we sure do indulge as it’s the one time of year we can eat foods that we don’t normally have in the house. Don’t worry I won’t bore you with all that end of the world crap you are reading today. Rather let’s focus on the what we DO know. As we move forward towards the end of 2012 we remember all the losses and all the victories we have had in this world. Keep them close to your heart and always remember them.

Miss.Universe Crown comes home to the USA yesterday to American Olivia Culpo. I’m not sure how I feel about these pageants as I clearly don’t watch them nor do any other men I know. I sometimes wonder if it truly is to motivate women to be the best they can be and never give up. What are your feelings about these pageants and are they a good idea? I don’t know if there’s a men’s pageant but if there is I likely wouldn’t watch that either.

There also may be hope for new younger immigrants to Canada with a new point system. This means that we may see immigrants actually using their skills in a job other than taxi driver as part of Canada’s Immigration System revamp.  Immigration Minister Jason Kenney says they want to be able to bring the engineers and doctors that they select to actually work in their skilled field.

“Kenney outlined the new point system which would favour younger immigrants and those who have English or French language proficiency.  There will also be a more rigorous review of an applicant’s credentials to ensure they transfer to Canada”

When I moved to Canada from the UK with my University Degree it pretty much meant nothing unless I went back to get certifications and upgrades hence my return to school but in a different field. I hope for those that do make it here with these skills are able to use them to their full capacity.

Giveaway: If you haven’t entered to WIN $100 Cash through PayPal or an Amazon Gift Card Click here and ENTER NOW!! Good Luck

Blog Post Picks Of The Week

In no particular order enjoy my blog post picks of the week. Thanks to all of you for sharing my page with your fans and taking the time out to drop in and comment on my post.

Recipes of the Week:

Twitter follow friday tweet tweet

Twitter  Personal Finance and Other Peeps to Check Out!

This is a list of the Twitter Tweeps That I Follow that Tweeted 2 times or more from Friday to Friday my own Canadian Budget Binder Blog Posts.

Happy Holidays To Everyone! I hope you have been enjoying Mr.CBB’s blog post picks this year. As we countdown to Christmas and there after we have one week left of this post to go for 2012. I hope to continue bringing you the best of personal finance and food in 2013! -Mr.CBB

It's Not About How Much Money You Make It's How You Spend It

Mr.CBB’s Quote

Are you NEW to Canadian Budget Binder?

If you are new Start here!

You can Follow Canadian Budget Binder on Twitter HERE or Facebook HERE and Pinterest Here. 

If you have a QUESTION for Me.. Mr.CBB the quickest way to get in touch with me is through Facebook as I am very active on my page… PM me!

Too Many Bills Not Enough Money Each Month

hands tied with rope

Some Canadians are faced with the reality that they simply can't get to the end of  the month before running out of money. We humbly turn to credit cards, lines of credit or even borrowing from family and friends to make ends meet.

For some Canadians having a high debt load and spending more than they earn spells disaster and for some debt denial is better than acknowledging it. This ends up leaving no room for  retirement savings, the kids RESP let alone an emergency savings account. With grocery prices slated to increase in 2013 it's time to buckle down and make a game plan before the going gets tougher.

Do you feel like your hands are tied and you don't know where to turn? You're not alone but there are ways to tackle this problem so don't give up.

What do you need to do?

You need to either improve your income or reduce your expenses meaning that you have to take a hard look at your finances.

  • Do you know your net worth? You should.
  • Do you use a budget? You should.

Budget, but why should I budget when I don't have enough money each month? That's OK, you still need to know your numbers even if you are not making enough money to cover the bills. You can't improve something when you can't see what you are dealing with. I always like to equate this to an accountant who works for a corporation or any business for that matter. If he/she knew the company was struggling but couldn't give the CEO numbers how would they know where the problems were? They need the true figures to fix the problems and so do you.

If your debt has come about because you are spending more than you earn or other personal reasons you have to take back control. Being open to change is the hardest part of budgeting as no one wants to hear they can't have something or have to give something up.  Not everyone is in debt because they spend money frivolously there are a myriad of reasons but only you know your situation best.

  • Cut Back... and trim the fat from your budget-You might get discouraged but don't be a quitter. Budgeting is the single most important thing you should be doing in my opinion with your finances. It's simple and will show you areas you need to improve on so you can continue to build on designing your budget to make it work for you instead of against you.
  • Utilities- Haggle with your communications company to get a better deal or better yet get rid of what you don't need.
  • Grocery Budget- Use coupons, shop flyer sales, price match, play the grocery game challenge, cook homemade, keep an inventory and well stocked pantry
  • Eating Out- You simply can't do this, cook at home until you are in a better position.
  • Cut Up Credit Cards- If you already can't afford to pay your bills get rid of your debit and credit cards and live on cash.  Some like to put money in envelopes or jars which becomes your cash budget for the month.
  • Transportation- Look for a cheaper insurance carrier, sell your car get a smaller vehicle that uses less gas, opt to bike or ride the bus instead of a car, carpool to work or walk if you are so luck to be in walking distance. Petrol is at an all time high in Canada and another huge expense next to the mortgage and groceries.
  • Clothing- Second-hand shops, consignment stores or even retail outlets have blow-out sales on clothing or end of season.
  • Downsize- If your house is eating up most of your pay or your rent it too high you may be faced with having to downsize.
  • Debt Consolidation- Consult with a professional to see what they recommend for you as it might be something to think about.

That's all fine and dandy but I still don't have enough money...now what?

Get a second job- Pick up overtime hours if you can but if not look into a second job that is part-time. Do what you can to earn income from a second source!

Higher Paying Job or Promotion- Keep handing out resumes as you never know if a higher paying job that you love will pop up! Don't be shy to ask your boss for a raise or to apply internally for a promotion with-in your organization.

Finally.....

Pay What You Can- Pay your bills with the lowest owing and the minimum on the others. Once you pay off a bill go to the next lowest until all your bills are paid. Some call this the snowball effect and can be an effective way to get out of debt.

Negotiate Interest Rates- Don't be afraid to call the credit card companies and tell them your situation. Tell them you need to get the interest rate lowered or you might struggle to pay them the money you owe them.

At the end of the day you don't have to walk this lonely path alone, ask for assistance. Most of all never give up when there's too many bills and not enough money, simply make a plan of action and follow through.

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It's Not About How Much Money You Make It's How You Spend It

Mr.CBB's Quote

Are you NEW to Canadian Budget Binder?

If you are new to Canadian Budget Binder >>>Start here!

Follow Mr.CBB on TwitterFacebook and Pinterest

Photo Credit: Rope