Happy New Year 2014 Is here to stay!

As we move into 2014 I notice how life can slip by in an instant if we aren’t paying attention and how it’s a blessing to wake up in the morning. Simplicity and life at it’s best work together when we just live a life that makes us happy as individuals. No amount of money can be put on happiness, not now, not ever. Money pays for things we need to survive, full-stop. It is what it is and to be honest, those who do that are missing out on much of life’s precious moments. One thing I like to do is not dwell on the past, rather look forward to a brighter future and believe that the path ahead will bring much joy and happiness into my life. Life is a series of photos and what you create in these photos is up to you most often but for those times you have no control the only control you have is those over your emotions. Be strong. We create paths in our lives and we also follow the path that gives us or what we believe will benefit us the most. Overall, the end result is mostly a product […]

The Saturday Weekend Review #4 January-Marketplace On Bank Fees~Magnifying Glass Needed!

While eating dinner last night I turned on CBC Marketplace one program I actually enjoy watching on the television here in Canada. If you are not familiar with Marketplace it’s a program that backs Canadians as our consumer watchdog now in it’s 40th year. Marketplace co-host Erica Johnson asked Canadians “Do you have a gripe about Bank Fees?” and busted the big 5 banks. This was great, I almost wanted to break out a bag of Orville Redenbacher, finally someone is speaking up. She says that people feel that banks are “ripping them off”. It’s not surprising when we hear that some Canadians are forking over $50 a month. According to the Canadian Bankers Association spokesperson in the show, “31% of Canadian pay no fees” and the rest, well I’m afraid, you do. When was the last time you sat down and went over all your bank statements to check how much you pay for fees? Preet Banerjee, an independent Personal Finance Expert and Blogger at WhereDoesAllMyMoneyGo.com voiced his opinion and says, “we are partly to blame because we don’t keep track of all these fees” and I agree. It’s the same with budgeting we need to know where our money is going, how else […]

Canadian Budget Binder-Personal Finance Weekly Reading List #2

This weeks reading list will be full of awesome blog posts from personal finance blogs and foodies blogs around the web. I’ll admit I’ve slacked with commenting as I’ve been so busy with side projects but I do read them and share. I’m sure I’ll be wrapping all that up shortly and we can roll out the new site soon for all the fans who are anxiously awaiting for me to get rid of this cult of a page. Yes, that’s the feedback I received and that’s OK, I enjoy learning about what needs to be improved with the page or anything in my life. Life is about learning and when you shut the door and stop listening then growth stops. So when my fans told me my blog was dark, busy and cult like, well I listened. In order for CBB to grow, this blog environment not only has to be fun and interactive but inviting and clean. Not many Bloggers realize how the presentation of their site can impact the fans who want to stick around but don’t. I was one of them. So, Andrea…. work your magic, no pressure though.  Another milestone was reached on my Facebook page […]

The Saturday Weekend Review #1 January 2013

What’s Been Happening at Canadian Budget Binder? With the New Year comes thought to personal finances for many and it’s no exception for our family. Earlier this week I put out a blog post detailing the changes we made to our 2013 budget and why we made those changes. Planning your personal finances is not always the easiest task for most so keeping the process simple and clean is the best route especially for those who have never used a budget before. I’ve been getting many emails from fans who want to test out our budget spreadsheet which I am happy to see. Thank you for all your kind notes and emails as I hope that all of you continue to battle through the tough times with a positive outlook. Around the Home with Mr.CBB  If you don’t know about me I’m from the UK and struggled with communicating when I moved to Canada. I know you’re thinking, “but you speak English” although what you speak and what I speak are two different things. I struggled to understand some of the words people were saying to me at a million miles per hour but how to interpret them. I’m still learning […]

Canadian Budget Binder-Personal Finance Weekly Reading List #1

This is Personal Finance Weekly Reading at it’s best brought to you by yours truly Mr. CBB. It’s the first days of the 2013 New Year and I’ve changed this post name in hopes of capturing fans to drop in and check out the amazing weekly reads that I find around the web. I read alot of personal finance articles and frugal recipe blogs every week who share everything from personal finance advice to making something delicious in the kitchen. Near the end of 2012 I started to branch out and network with other Bloggers around the web to learn more about the message they wanted to share. When I drop in to read a blog post and comment I do so because I learned something from that blog post and I know that my fans will as well. I’ve also been learning alot about blogging and some of the mistakes I’ve made and some of the mistakes I’m glad I didn’t make. Learning how to blog is not as easy as I anticipated especially if you want to build a successful website but the more you learn about what happens behind the scenes the easier it becomes. I am glad I read […]

December 2012 Canadian Budget Binder Budget Update

What happened in December in the CBB House?  Christmas and New Years have come and gone and now the bills are going to come piling in. Like many others December is a busy month for our budget although we do somewhat prepare for these expenses. We did go over in some categories like clothing for example where Mrs.CBB needed a new winter jacket and pair of winter boots. Both of which we were able to score for %50 off and they are a great quality product. Sometimes it’s worth waiting for those great boxing day sales in Canada. You can actually take that expense of $247.97 and double it and $495.94 would have been what we would have spent if not for the sales. Our gas was up slightly this month, not over budget but we spent more because we had to travel for the holidays. We also paid a bit more on the mortgage this month to make it an even $154,000 that is left to pay. Yes we have had the cash to pay that in full since last month. I’ll be talking more about this in the next little while. If you live in Ontario you know that […]

Finances In The New Year + New Budget = Success Formula

Finances In The New Year: What’s your Success Formula? Today is officially the start of a New Year and for most that means the beginning of new goals but for us a new budget. For most debt and tackling personal finances will and should be their top priority when it comes to financial health in 2013. Nothing is getting cheaper and the average Canadian debt load is still at any all-time high. People are always emailing me asking “help me with my budget” and really it can be as easy or as difficult as you make it. We have been using our family budget for the past 2 years and this year will be no different. The budget has taken us both by storm and helped us develop a lifestyle mindset that we hope others will grasp. Looking over our budget this year we realized that we would not have been able to save enough money to help us pay off our mortgage or accomplish some of the short-term goals without it. What we did not do is accumulate debt something that is so hard for many people to do. I know when we quit smoking at the beginning of 2012 most of our family […]

Mr.CBB’s British SpudNuts a.k.a Zeppole Potato Donuts

Ring in 2013 New Year’s with a sweet or savoury Italian potato donut also called zeppole. Zeppole in Italy is a traditional fare that is served on Saint Joseph Day March 19 and during the Christmas and New Year’s Holidays. Last week when I posted my Thai Fish Cakes recipe which is also a great New Year’s finger food I mentioned our mates Marco and Christina and their famous Italian recipe for savoury potato donuts. Being British and all I joke around and call them spudnuts donuts just because that’s what we call potatoes in the UK. I turned their zeppole donut into my Zeppole Spudnut based around the same concept adding my own flavours. Since moving to Canada and being exposed to Tim Horton’s and the famous Boston Cream donut I always wondered; how do I make donuts? It can’t really be that difficult and with the myriad of donut flavours available you can’t go wrong with a homemade donut recipe. From what I understand there are 2 types of donuts a cake donut and a yeast donut but heck I’m not a donut connoisseur. Is a donut a cake? Well when you bite into a Boston Cream Donut for example that is a yeast […]

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