Stop Blaming The Government For All Of Your Debt Problems

DEBT= Don’t Ever Buy Things On Credit   Debt for most Canadians is still a reality and likely will be for a long time unless something changes but not necessarily from a political aspect but a personal one. Is the Canadian government to blame for all of our debt problems or should we start taking responsibility for the way we are spending and saving money? The past few days I’ve spent what little free time I have in between working 7 days a week, family responsibility and blogging to catch up with what’s happening in the world of Canadian Finance. With the internet flooded with resent for the Wynne Liberal government who are under fire right now especially with the increase in hydro costs that are creating energy poverty for Canadians who simply can’t afford to pay these price hikes. Our hydro has more than doubled in the past year and our habits have not changed which means we continue to be conscious of utility usage. What’s even worse is there are plans in the works to phase out natural gas, homes will need an energy audit when put up for sale and renovations based on energy efficiency. This is […]

How to handle a billing rate increase on a tight budget

IN ONE DOOR OUT THE OTHER   Ask almost anyone about their “spare cash” and I bet they laugh and say, What spare cash? The difficult part with a tight budget is there’s not much wiggle room for most people especially if there is a billing rate change, interest increase or price hike such as groceries or living expenses. It’s been a while now that we’ve paid off our mortgage and living debt free which has opened up some avenues for us financially. Our budget is lean and any savings left at the end of the month gets distributed into our savings account. I received an email from a guy who uses our family budget and wanted to know how to go about adjusting the budget when the net income he earns along with any income from his wife covers just about everything they have to pay every month. Hey Mr.CBB, I just wanted to shoot you a quick email to ask you a question about your budget and how I go about making changes to accommodate rate increases such as the current Hydro pricing increase. I’m not sure what more we can do so we could free up some […]

Would you buy a jar of clean air? : PF Weekly grab a brew #67

IF THERE IS A BUYER IT WILL BE SOLD   There have always been odd products on the market that most of us shake our heads at but would you jump at the chance to buy air? I’m all for the entrepreneurial spirit and using your creative imagination to invent a product or service for the public in order to make a profit. Forget about encouraging your children to be young entrepreneurs selling just the obvious like lemonade or making their way to Dragons Den when you can score some big bucks selling air. (I’m just having a laugh… please do encourage your children’s creative side.) The most you have to pay for is the glass jar you store the air in and labelling because well, air is free as long as it is clean air. I know I’m having a laugh but really it’s true that not just one person but 3 people are selling air and making a nice profit from it.   Buy my air   That’s right I nearly fell off my seat this morning wih my coffee in hand when I read a Yahoo article about a male artist from Beijing who is protesting the […]