How to avoid home buying mistakes the first time

home-buying-money-real estate

HOME SWEET HOME COSTS MONEY   Buying a house to make a home for you and your family can be a stressful time for anyone, especially when it’s your first home. We no longer wanted to rent any more so looking for our first home was something that came fast and furious for us. With that comes the urgency to own a home and sometimes you overlook some of the obvious concerns. I certainly won’t be making some of these mistakes next time around. I can remember the endless trolling through MLS listings online and then booking an appointment with our real estate agent to go and view them. Some houses definitely viewed better through photos rather than real life, but it’s always something every house hunter has to endure. When buying a house everyone has a list of wants and needs and a general style that they are looking for. For us, a more modern house was an easier choice due to lower maintenance costs and less chance that there was going to be hidden problems. The trouble for any couple or family starts when they discover hidden issues with the house they thought was perfectly fine. Other life events can throw […]

Reader question: When should you renovate your new home?

Renovate Your Home When It Is Right For You A fan sent me an email the other day and asked me the question, When should you renovate your new home? He said that him and his wife had just bought a home and they weren’t sure if they should renovate before they moved in or after they moved and wanted to know what we did when we bought our house. Home renovation checklist It was a question that I really didn’t have to think much about because we are in this position now. We did not renovate before we moved in and preferred to save the cash first before renovating. When we bought our home I created a checklist so I knew exactly what I needed to do although over the years it seems the list keeps growing. It was easier to read my list as I was going along rather than trying to remember in my head. Every smart planner will have a list so they have information to fall back on. There is no custom list here, you design your own. Grab a piece of paper and start making notes. I also wanted to have the opportunity to […]

A Love Letter And Life Lessons: Money Fool To A Budgeting Money Saver!

A love letter taught me a life lesson steering me away from becoming a money fool and into a budgeting money saver. I know what you are thinking and you are probably right. What did Mr.CBB get himself into this time. Well the morale of the story is always the icing on the cake so I’ll save that until you get deeper into the thick of things. A Fool And His Money If you’ve ever considered yourself a money fool which to me means someone who spends without a care in the world then you may learn a lesson or two here. You may be someone who doesn’t worry much about what’s right and wrong but you know that at some point you have to make decisions you might not want to face. You are spending cash to impress others or to make yourself feel better but there comes a time when you must pay for those pleasures. If you spent money you didn’t have or too much money then you have to decide what your next financial step will be. I often think back to when I was younger and ponder what I might have done or experienced that […]

Growing A Garden In A Small Space

This is the year that I am finally going to grow my own garden and you can too, even if you have a small space to work with! My kids are at the ages now where I can spend more time working outside which is a passion of mine. Unfortunately, my property is not quite ready for my garden, so most of my gardening will have to be based around containers and hanging baskets. While thinking about what I’m going to grow, I also have to consider where I am going to grow them! Over the years, I have seen many innovative and creative ways that you can grow a flourishing garden without digging a hole in the ground. These ideas got me thinking about how they could be used to grow a garden in a small space. I’ve lost count a long time ago how many times I’ve heard, ‘I don’t have the space for a garden’, or ‘I live in an apartment, I can’t grow a garden’. With the exception of individuals who have balconies that get absolutely no sunlight, this is not true! Adopting the ideas of going vertical, and hanging plants such as tomatoes and strawberries can turn that […]

Becoming a Single Homeowner – Part 1 “The Plan”

I’ve noticed a trend lately. The usual client that darkens my door is changing. There is a marked increase in Single person – home purchase applicants. And this trend is being led by the ladies. And I’m not the only one noticing this. Single ladies hooking up with homes is coming to a neighbourhood near you. Mr. CBB asked me to share the experiences of the unique requirements of how the Single person approaches purchasing a home. He was very emphatic in ensuring this covers single women, men, and single parents. As there are potential additional risks and vulnerabilities with a single income and/or dependents – I submit this information to you with great respect and full gravity. With this said – I am very excited at what is transpiring here! Making the move from renting to home ownership carries a direct historical correlation to wealth accumulation and an increased net worth. And one thing all of my single clients are in agreement on is having an opportunity to increase their financial position. So with this in mind – here are some simple steps to increase your shot at owning your home. It All Starts With A Budget – And A Plan […]

Mr. CBB’s Crispy Chicken Parmigiana On Garlic Mashed Potatoes

Chicken Parmigiana is one our easy go to recipes when we want something tasty and warming to the soul. It’s also not a budget breaker either but we always keep our eyes open for great deals on chicken breasts in our local supermarkets. Although we like to splurge once a week In 2013 we decided we are keeping our kitchen busy with healthy recipes and lots of vegetables. This baked chicken recipe is simple to put together and takes about 25-30 minutes in the oven. You do have to lightly fast fry the breaded chicken breasts in a bit of extra virgin olive oil for this recipe as I prefer super crispy chicken.  Once you lay the fried chicken on top of the sauce it will hold up better if it is golden brown and crispy. This is a fairly healthy baked chicken parmigiana recipe but you can simply bake the chicken in the oven until it is crispy to make this dish even healthier. I used 3 boneless, skinless chicken breasts for this chicken parm recipe but needed to flatten them out. What I did was take out some wax paper or you can use cling wrap and wrap the […]

How I Support My Family On One Income

This is a Guest Post written by Tanya a fan who wanted to share her story about how she supports her family on one income in hopes to inspire others. Tanya’s Story: I live in Prince Edward Island with my two young children. Money wasn’t always streaming in to my bank account, but we were able to get by. The bills were being paid, we had just bought a house and we were comfortable. When I was pregnant with my second child, I ended up being put on sick leave. With my pay gone and my sick benefits nowhere in site yet, things started to get tight. With only my husband’s salary to go on, one child in full-time day care (I was on bed rest) and another child on the way, the bills started to add up. We started using my credit cards to cover the extra expenses, always saying we would pay them off as soon as possible, but the balances started to add up.It didn’t help that my husband refused to even try a budget – if he wanted to eat out, he did; if there was a movie he wanted to rent, he rented it. By the time […]

Three Best Things About Being Single When It Comes To Money

A year ago I would have never pictured myself as being a single mother. I’m sure no married mother actually pictures herself on her own raising her children. But life happens and there are just some things that we will never be able to change. Being single isn’t all that bad; there are actually many perks and being able to make your own personal financial decisions is one of them The three best things about being single for me when it comes to money are….. 1.)    You Can Make Your Own  Financial Plans. My ex-husband and I disagreed a lot when it came to managing our money. While he did let me have most of the control over the cheque book, he would often make comments like “I will work until the day I die.” Of course me being a personal finance junkie would just feel my eyes roll into the back of my head every time I heard this. Well of course, without a plan and some savings you will work until the day you die. I can now organize my game plan without having to beg somebody to jump on board. What I can Do Being Single…. If I […]