Mr.CBB’s Personal Finance Reading List #5- Hello Blackberry Z10 and Show Me The Money Ticketmaster!

Personal Finance Reading LIst

“Out of the Ditch and back in the right direction” sums it all up in this article about the Blackberry Z10 and the new name for RIM this past Wednesday in New York City. The surprise when CEO Thorsten Heins said goodbye to RIM and hello to Blackberry was as if something new had been born and I’m sure the feeling is mutual all around. I think it was long overdue and Blackberry will now start to pump up the volume sort of speak, something they’ve wanted to do for some time. Joshua Topolosky goes on to say in his review of the new Blackberry device that it is a perfectly usable device with a strong (OS) but the battery life is not much to be desired.

One thing with cell phones that I used to find a con was the battery life as well and I’m sure you’re all shaking your head in agreeance.  There’s nothing worse than having to charge your phone day after day because it won’t hold a proper or long enough charge. Many of us are on the go for hours or days on end and plugging in to charge up can be a bit of a slow-down although there’s nothing wrong with a plug-in during sleeping hours.

Will you make the switch back to Blackberry? When I asked one of my mates they said no they have no desire to move back and forth. The article says the phones will hit the shelves in Canada Feb 5 which still leaves you time to think about your options. Personally, I don’t own a cell phone but I did in the UK as it was cheaper than a land-line  The price point is still hard for me swallow as it’s much more expensive to own a phone in Canada than in the UK. The wife has a phone but nothing fancy and only has it for vehicle emergencies even though I still don’t think that’s necessary. We did grow up in the 70′s after all and we made it through just fine without them. Go ahead, try your luck and haggle a great deal with Rogers or whomever for a fancy phone if you want but we’re already looking for ways to cut our budget. In my opinion (not the Mrs.), unless someone REALLY needs a cell phone, then it’s a pointless waste of money with these high prices, even if the Mrs. still insists on it. Never know, I might be back to this post one day and eat my words but for now I’m sticking to it.

On an even brighter note Ticketmaster has been ordered to pay back $850,000 in a court order settlement to Canadians who bought tickets from a site called TicketNow a resale site for concerts and events. The cheque might not be much $36 less some legal fees but it sends out a big message to the organization. Apparently, Ticketmaster would say they were “sold out” yet divert customers to TicketNow who magically had tickets BUT the catch is you would have paid a premium cost for those tickets. According to the Yahoo article, “Ontario and Manitoba have enacted a anti-scalping legislation that makes it illegal to divert regularly priced tickets to a site that demands premium price”. Although who’s to say this is even going to stop the scalpers, likely not as they will always find a way and hope they don’t get caught.

I have yet to go to a Concert in Canada and it’s because costs are astronomical and they know people will pay the price. If you really think about it, who is their competition, no one. Back in the UK I used to go to concerts once in a while but have since stopped because I really don’t fancy paying the crazy prices. Time to come back to reality, but just like everything else once money starts to be abundant some can get greedy and want more and more. There is always someone, somewhere willing to pay the price even if it is overinflated for that once in a lifetime opportunity, so they think.  Those will be the one’s that will argue the toss about what I have to say and that the price is worth it to see their number one band live and that’s OK, spend your money, it’s yours after all.

When was the last time you went to a live concert and what did you pay?

Party Time…..Love Making, Baby Making and Money Making all rolled into one weekend!

Happy Super Bowl XLVII Weekend to all you NFL fans… here’s some SUPER BOWL Party Ideas from my mate John at Frugal Rules to get you in the mood for a party!! Julia at Save Big Live Better has a must have for every party and that’s her homemade fluffy pretzels something which I’ll be testing out real soon.  Got Kids and want to watch the Super Bowl no worries, Rather Be Shopping has you covered. Not into the Super Bowl, well then you could always try your hand at a game of Doggy Doo with the family like Justin at The Family Finance does or engage in of 100 Cheap Hobbies that James came up with… sure to keep you busy at Free In Ten Years.  If partying is not your thing and you want to just roll in the cash Michelle has the top tips on how to become a virtual assistant at Making Sense of Cents or get busy in the bedroom but read what Glen at Monster Piggy Banks has to say about the costs of having a baby. No time for lovin or you’ve had enough, suit up and start hunting for bargains to redecorate your home for zero $$$like Jake and his wife at I Heart Budgets (love the flowery couch btw). Break it down further and start selling other people’s stuff and make money, says Jen at Master The Art of Saving.

Get Ready for the Love….

Buckle Up, It’s now February the month of LOVE…. the big V is around the corner and Unique Gifter has some nifty Valentine’s Card Ideas for you~ or Will You Be My Frugal Valentine by Sean over at One Smart Dollar.


Thanks for your continued support of Canadian Budget Binder and now I’ll share you with my fans who tell me they look forward to this weekly list and catching up on the best articles I’ve read. This list only scratches the surface of Bloggers that I have networked with and connect with me on Canadian Budget Binder, comment, share and genuinely enjoy the hard work I put into this site. Thank-You


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How To Have The Wedding Of Your Dreams And Still Be Frugal

Wedding rings- Roger Kirby

Like most men, I did not have my wedding planned out from the day I turned five. Actually, I never thought I would marry. Then I met my wife. Suddenly, marriage seemed not only possible but desirable. We met in Florida, dated long distance and got married in San Diego. Figuring out what we could, and couldn’t live without helped us say “I do” to each other without saying “I will” to massive credit card debt.

Wedding Costs are Soaring in Canada and Beyond

Anyone engaged, planning a wedding, or recently married knows how expensive it can be to get married. The average cost of a wedding in Canada is $23,330, which is up from $20,129 two years ago. That’s less than what debt-saddled Americans spend  - $27,021, but not by much. Unless you factor in New York, where everything is outrageously expensive; a big wedding in the Big Apple will set you back $65,000! You could buy a home in West Virginia for that amount (which consequently has the lowest average wedding cost of any American state at $14,203).

What Costs so Much, Anyways?

The dress is a big part of it for Canadian brides, who spend more on average than their American counterparts – $1,798 compared to $1,100. In addition to the dress, dinner, drinks, the venue, ring, photographer/videographer/DJ, wedding planner, florist, party favors, gifts for the wedding party, rehearsal dinner, invitations, and postage all add up. If you’re getting hitched in an expensive city where the cost of living is higher than average, it’s easy to see how wedding budgets get bloated. I remember when my wife and I were planning our wedding, we couldn’t find a photographer for less than $2,000 and we were driving all over San Diego, looking for a good deal. We ended up saving $500 by hiring someone who spoke broken English but still knew how to point and shoot.

How to Find Room in Your Wedding Budget for Your Dreams

I’ve always been a bit of a planner (my wife would probably take issue with the “bit” part of that statement) so I had a wedding checklist in my back pocket, right behind the family ring I gave my wife when I proposed. Having my grandmother’s beautiful, antique wedding ring to give to my wife was a lifesaver on helping us stay within our wedding budget. We set a figure and committed to staying within it. By contrast, my step sister, who was also getting married at the time, did not have a budget for her wedding. She spared no expense and ended up spending more than $50,000. As a result, she and her husband weren’t able to take a honeymoon. By being frugal as we planned our wedding, my wife and I were able to visit Ireland for our honeymoon, which was a lifelong dream of hers.

Location ended up being the most difficult cost to keep under control for our wedding. We thought it would be cheap to get married on the beach. Boy were we wrong! It turns out lots of people want to recite their vows with sand between their toes, creating a high-priced market for beach weddings. Our options were either drive down to Mexico and deal with passport issues for our guests, or set up a sandbox in my in-laws back yard, so we opted for a more traditional setting. While we had to sacrifice on the venue, we learned that location was something we could live without. We saved a ton by getting married at our church and hosting the reception on site, in the attached meeting area. We weren’t able to serve alcohol, but that ended up being a blessing in disguise because liquor can be the single most expensive wedding expenditure after the ring and dress.

Be Frugal by Doing Things Yourself

In the 10+ years we’ve been married, we’ve seen plenty of couples keep costs down by serving simple appetizers or enlisting the aid of friends and family to bring desserts to serve at their receptions. They still have memorable and meaningful weddings and we still feel privileged to attend. Other ways to be frugal include making the wedding favors yourself (Hershey kisses and a little tulle go a long way), picking silk flowers at your local hobby store and making the bouquets and boutonnieres yourself, and selecting a simple, basic dress for your bridal party. We asked our bridal party to wear little black dresses so we wouldn’t have to bloat our wedding budget with the cost of custom bridesmaid dresses and shoes.

Keep the Right Perspective on Your Wedding Check-list

Put your love for and lifetime commitment to each other at the top of your wedding check-list. It will impact your wedding budget more than any other item on your list by helping you remember that this day is about the two of you and not impressing your guests. We started our new life together without a load of debt, and as any newly-wed will tell you, there’s enough stress learning how to share everything with someone else without adding creditors to the pile. A little frugality on your wedding day goes a long way in getting you to your 25th wedding anniversary!

If you’re married or planning a wedding, how did you keep your wedding costs down? What would you do differently if you could?

Guest Post Bio: John is the founder of Frugal Rules, a finance blog that regularly discusses investing, budgeting, and frugal living. John is a father, husband, and veteran of the financial services industry who’s passionate about helping people find freedom through frugality.

Photo Source: Wedding- Roger Kirby

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