Unexpected expenses and savings: Our Budget March 2014

SAVINGS ARE IMPORTANT   We’ve talked about having emergency savings and the budget over the years here at Canadian Budget Binder and for good reason. You need savings for unexpected expenses that pop up. Savings whether a small amount or a larger amount are important not only to keep stress levels down but also so you aren’t creating debt. Debt is created because one doesn’t have the cash to pay for a service or product that they need. Just this month as you will read down a bit further we have purchased a product for our home and required emergency services which were paid from our projected expenses account. The reality is that things happen whether it’s this year or the next and being prepared for expenses with some savings in the bank is much better than creating debt. Some people as I wrote about the other day don’t mind carrying debt as they see it as a number on a piece of paper and others like us despise it. I don’t mean mortgages, student loans and car payments because the majority of people do carry debt to pay off some of the largest debts most people will ever have. […]

grocery game monthly challenge

Pet peeves at the grocery store : The Grocery Game Challenge #1 Mar 3-9, 2014

NOTHING BOTHERS ME MORE THAN…   Some of the biggest pet peeves at the grocery store are what motivate people to get in and get out. I don’t know about you but my pet peeves can vary depending on the time of day to the day of the week that I go grocery shopping. While I was writing this I decided to put together a list of pet peeves that really get under my skin at the grocery store. They say not to sweat the small stuff and I really am a laid back kind of guy but there are some things that just make me shake my head. There are things that get under my skin but I don’t really show how it affects me because it doesn’t benefit anyone but me. That never solves the problem but deep inside I just wish things would be different. Back to the saying, ‘not everyone or everything is perfect’ and ‘go with the flow’.   Pet peeves   Not everyone will find my pet peeves bothersome but to be honest, they shouldn’t. They are my pet peeves and since we are all different I bet your pet peeves will be different […]

PF Reading List #14- March Job Loss In Canada, Change Your Life Or Your Attitude!

March Job loss in Canada was a whopping 55,000 or 7.2% for Canadians, meaning that there are more people looking for work than ever. What was interesting in this yahoo article was that self-employment had risen in March by 39,000 which leads me to believe that more people are seeking out their own opportunities. After all, why wait around for the jobs when you can create your own. Ways To Make Extra Money Some people are starting up couponing websites to make extra cash or joining other organizations as sales associates online but with their own front line business deal, etc. I know many people have emailed me about “How to start a blog“, but sadly not everyone makes thousands of dollars each month with a blog. Blogging as a side income is good but don’t get all wound up in the easy money ploy because it’s not. There are many ways to make extra money with passion and determination but it won’t happen overnight and nothing in life is guaranteed either. Dig Up Your Degree! Money Ning wrote a post about organizations wanting a BA now from candidates for jobs. Some jobs that once required nothing more than a high school […]

grocery game monthly challenge

The Grocery Game Challenge #12 March 18-24,2013- Pass The Salt Please!

  How much salt do you consume on a daily basis in your diet? If it’s more than 1500 mg a day you may want to start learning more about sodium and how much you are shaking on your food, putting in you meals and purchasing in pre-made foods. It’s something we don’t normally think about when we buy food but after watching this past weeks Marketplace episode “What’s On Your Plate” things changed. While at the supermarket we started investigating labels ourselves. Needless to say the wife and I were shocked when we turned labels over and started doing the maths. We literally walked up and down the cracker and pasta aisle reading labels and trying to make sense of it all. After watching the show we concluded that we likely have far more salt than we need in our diet and hope to make some changes. Sometimes it’s television shows like this that really open our eyes to what most of us tend to just “forget” or pretend to hear. If you are not sure about your sodium level head over to Marketplace and test your plate for sodium with their interactive sodium calculator, I bet you will be surprised.  It’s […]

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