New Years Resolutions 2014: My Health, My Money

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NEW YEARS RESOLUTIONS TO STAY   With the arrival of 2014, New Years Resolutions are on the minds of many people right now. Whether you are striving to meet a new fitness goal, quit smoking or better your finances, staying on track throughout the year to meet these goals can be a challenge. While many people give up on their New Years Resolutions pretty quick, writing down your resolutions and the reasons why you chose these goals can be helpful in motivating you throughout the year. Whatever your resolutions have a plan and you will find the confidence that you will need to achieve them. I have a couple of New Year Resolutions for the year of 2014 to improve my quality of life.   My health   As a single mom of two very busy, active children it isn’t hard to overlook taking care of myself adequately. As the kids get older so do I. I may only be 31 now but I want grandchildren one day and if I am not taking care of myself properly now I may not be around as long as I hope. Being on the go all the time and not always making […]

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The Grocery Game Challenge Dec 23-29, 2013 #4- Final grocery budget yearly analysis

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GROCERY BUDGET YEAR-END REVIEW   Where has the 2013 year gone because it certainly seems like it’s flown by since we posted the first Grocery Game Challenge post in January. This year has certainly proven that we can get over any hurdles we create with our grocery budget but not without turbulence. There were a few months that we spent more than the grocery budget of $235.00 per month and it took a while to get back on track. Some of the items either purchased on the stockpile budget or just included in the main shop were bought to accumulate so it will become cheaper for certain items throughout this coming year. A prime example of this is the “Clear Shampoo” which was at an unbelievable bargain of $0.99, which has led to acquiring approximately a year’s supply. To be honest it didn’t feel so good having to spend less and less each month so we hope that next year we can try our hardest to stay out of the stores when we don’t need to be in them and to stick to the grocery budget. In 2014 we will likely start using the Checkout 51 program so we can […]

The Saturday Weekend Review #51: Extreme couponing 16 yr old and the holidays

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HOME IS WHERE THE HEART IS   After Sunday I’m officially on holidays which means we’re going home to see our friends and family to celebrate Christmas and New Years for the next 2 weeks. Christmas is one of those times of years that our families can actually all get together in one room and celebrate with the drinks flowing and the chestnuts roasting in the fireplace. Yes, we love roasted chestnuts. In fact it’s hard to stop eating them once you start as long as you have a cold beer in your hand. What I love to hear about most of all is how giving people are over the holidays. I am a firm believer that we should all give to others in any way we can be it time or even donations like 16 Jordan from the UK. It’s not everyday we read about extreme couponing in the UK let alone it being a teenager. Heck, I’ve tried to get my sister on the coupon bandwagon with no success although she has always been surprised at how well we have done using coupons over the years in Canada. Jordan started clipping and saving coupons all year while helping […]

How to get your life back after a divorce involving kids

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YOU CAN FALL IN LOVE AND BE HAPPY AGAIN   If you are or have ever been divorced you will likely agree with me that going through a divorce is not fun.  The rollercoaster of emotions that you may feel; anger, depression, frustration, helplessness and fear to name a few can drain the life right out of you. Picking yourself up and regaining control of your life may be difficult to even think about but it can be done. I am a firm believer that no one can make YOU happy but YOU. I am not perfect and I do not claim to have it all figured out when it comes to life, but you are in control of your life and the choices you make are up to you. You may not be able to control another persons actions but you can control how you react to them and how you let them bother you. I thought I would share a few of my thoughts and observations I have noticed over the last 3 years of being a single parent.   Breaking the ties and refusing to fight   Unless you are someone who likes misery, who wants to […]

Budget help for families who want out of debt

Never Be Afraid To Ask For Financial Help I had a reader contact me the other day and asked me for my Canadian Budget Binder excel spreadsheet that you see me post snap shots of each month when I post our budget update because he said their finances are in chaos and they risk losing everything. It’s not easy asking for help when it comes to finances because for many people talking about their money is taboo so they suffer in silence and continue to pile debt on top of debt. Although it seems like lately I’ve seen a shift in those wanting to break-free from their debt and the emails to my inbox have been flowing through daily asking for help. Sinking your financial ship doesn’t have to happen nor do you have to feel shameful of why you are where you are financially because we all have our reasons and no one should ever judge. What I do encourage is for people to speak up whether they are already in a crisis or believe they are headed that way. Most people already know they are going to be in trouble financially but there are those few that will […]

Bust our budget August 2013: Save or splurge?

The Urge To Splurge Can Be Forceful Save or splurge really wasn’t going through our minds this month only because there were certain items that we needed to get which we were putting off for a long while, if not years. It was a funny month because it seemed as if everything that could go wrong, did go wrong. My Facebook fans got to listen to me whine this month every time we spent money that was out of the blue. When we put our money in the bank we hope to see it grow but there are times when we have to spend a little to enjoy the fruits of our labour. I won’t get into too much detail about our extreme emergency this month because I’m going to blast your computer screen in an upcoming blog post all about how I cost us $1400 in the budget this month. I also managed to take my wife out on a well deserved shopping splurge at the mall. It was national splurge month for us and we will certainly evaluate our year-end numbers to see if this is something we should add into the budget or whether it was a […]

Money isn’t everything happiness is

You Can’t Expect Money To Buy It All Money isn’t everything happiness is and to some people having money in the bank means you must be rich or you have a good job. That is far from the truth but only those who can see past what others have then they too can focus on creating a life for themselves that makes sense to them. This week has been all about relationships and money and to be honest it’s a topic I enjoy because the struggles that many people go through when it comes to money and personal life need to be heard. There are things money can buy and things it can’t such as love, respect, happiness and likely a whole host of things that many people take for granted because money is involved. Is it better to be rich and miserable or poor and miserable? I guess only you can answer that question. How many times have we heard of famous actors and musicians committing suicide and they have all the money in the world? Money sure is powerful but is it powerful enough to take away the passion for life that is deep inside your heart? Money is […]

Reader Question: Ways money can kill the spark in a relationship

Help With My Relationship Today I have a reader question revolving around money, love and marriage for all of you. I hope after reading today’s post that you, the fans can help Alicia with your opinion. I am only one person and I know that many of you might be in the same position as her or you have been there and can offer up some support. If you have a question you want to ask please email me. You can find all the info on my contact page. Dear Mr. CBB I know you run a personal finance blog which I have been following for over a year but since you are a guy I thought maybe I could ask you a question about our relationship problems that seem to be creating a part in our marriage. When we first were dating we talked about money and our finances so we both knew that we were on the same page. He didn’t have any debt and neither did I since we were quite focused on our careers and staying out of debt. Although we didn’t budget we did talk about a budget after we were married and started to budget […]