You’re cheap if you decorate rooms frugally

pink-paint-on-roller

Things To Do When Moving Into A New Home

No I don’t think you are cheap and you will never hear me say that, trust me. A friend of my wife who has a great job in a senior level position as does her husband feel that we are too cheap when it comes to decorating our house. I guess everyone has their own definition of cheap and frugal but for us it’s simply spending less when we can.

We know loads of people who skim the online ads looking for a deal in their community. Newlyweds and those moving into their first place typically have what they acquired over the years living at home or while away at school. With more and more students exiting school with student loans that may take them years to pay off scouting for discounts on home décor is worth the effort, in my opinion.

New home new stuff

Everything in Cheryl’s house (changed her name) is pristine and has the price tag to prove it. When we were house sitting their cat on the weekend just going inside their house alerted us to the smell of a new home. She keeps it immaculate and she spares no money when it comes to decorating the house inside and out.

Her theory is that since we have decent jobs that we shouldn’t need to buy anything but new because we earned it. It’s not about how much money you make it’s how we save it. Sometime I have to keep reminding myself of that so it sinks in even when the pressures of our friends try to sneak in. I don’t worry about what they think, they are still our friends I just don’t need to follow through to be “spenders” like them.

Even top designers flock to second-hand shops looking for furniture they can re-cover or re-use for an upcoming project for all types of clients. I just believe that many people associate a new home with new stuff and that’s not always the smartest way to think. We prefer ‘new to me’ stuff as well as shopping for new items at discount prices, which works equally as fine. Most people who come around think that our house is gorgeous inside.

You are debt free

She also says we are very cheap by the way we live our life considering we don’t need to as we are debt-free, although that wasn’t always the case. I think now that we are practically mortgage-free we can splurge a bit more on what we want but we still can’t bring ourselves to spend like nobody is looking. It seems like it would be defeating the purpose, besides we have other goals we need to focus on as well. Just because you are debt free doesn’t mean you should go hog-wild with life. That’s how people get into trouble in the first place sometimes.

Overall, no one bothers us when they think we are too frugal , it’s their opinion and if it makes us happy and it’s not crazy over the top “cheapskates” crazy then we’re happy with that.

Whether you are moving into a new home or simply want to decorate rooms in your home or apartment the frugal way it doesn’t have to cost you an arm and a leg. One of the worst things  about moving into a new home is the house interiors are empty meaning each room you walk in needs a vision to bring it to life. It may not be the worst thing in the world, heck for some people they love decorating and thrive on finding the right furniture, décor and accessories to make the space livable, stress free and easy on the eye. For others, well they could care less and any old furniture will do. Some vintage pieces really do make a room stand out.

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What to do when moving into a new home?

Well, if you are moving into a new home from an apartment than you likely already have furniture you are brining with you so you should have a relatively good idea where you want to put things. If you are making a move into a new home after getting married and/or moving out of your parents you may not have to worry about hiring a rental truck to get you from point A to point B either. Most times you can stuff a vehicle full of belonging or toss a bed in a friends truck just to save some cash, rather than renting a truck. Sometimes it’s nice to move in to a new place without having too much stuff so you can take your time decorating rooms throughout the house the way you want without having too much clutter. Keeping organized is so important otherwise you simply end up with a mish mash of  items you don’t need.

DIY home décor projects on a budget

A friend of ours made her own roller blinds instead of going to an expensive big box store or even costlier having them custom-made. She used her sewing skills and made her own which is great if you want to add your own personal touch. If you are handy there are many DIY ways to decorate your room starting with a simple coat of paint or two then searching for furniture to fit the space.

I must caution that not everyone has the decorators eye so if you want to get some help or a second opinion call a friend whose home you adore to get their opinion on your space and your visions. If you like their work then you likely will want the advice they give to you. It’s a win-win situation without having to hire a designer which can get costly.

When we bought our home we moved in from renting so we didn’t have much of anything. Over time we started to purchase items on sale at discount stores and kept our eyes open for any deals that came out in the flyers. Friends and family were kind enough to donate items to us because they had doubles or no need for the item any longer. Instead of recycling or selling something they asked us if we needed it first. Most times the answer was a yes because we didn’t realize how much we didn’t have when we bought our new home. We also wanted to save our money for other ventures and not blow it on decorating our home.

Tips to get you started decorating your home the budget friendly way

Garage sales

We are garage sale lovers and although we don’t get out as often as we like now we used to go almost every weekend that we could. It was probably the cheapest way for us to acquire what we needed to decorate rooms in the house. If you can bargain with a seller you can sweeten the deal even more. Don’t just offer what they are asking, make them an offer and see if they will bite. I’m betting 9 times out of  10 they will accept your offer and you get the item you wanted for less.

Kijiji

Search the free stuff classifieds on Kijiji or simply find the category for what you are looking for and do a search  You never know what you might find. Sometimes people have leftover building materials they no longer want and will sell to you cheap or give it to you for free. If it’s not free then learning the art of negotiation is a great way to haggle a deal from the seller that fits with-in your budget and makes them happy. 

Hand me downs

If you have family and friends who are moving or have kids moving out and have items they no longer need they may just send it your way. It’s a great way to make sure items stay out of the landfill especially if they still have lots of life left in them.

Free stuff

If you find free stuff heck it’s like hitting the jackpot and if you follow this blog you know that on many occasions we have found free stuff on the curb that homeowners label ‘free’ and we take it away. We’ve found some pretty cool free stuff in the past as well probably the best being the exact remote control for our new ceiling fans in the garbage at a neighbour’s house. We decided not to buy the remote for one of our ceiling fans as it was some silly price over $30 but now we got one for free.

Discount stores

There are plenty of great discount stores you can shop at and if you love IKEA as much as we do you can find all sorts of great bargains for a good price. Mind you not everything is top-notch quality but I’ve gotten some great deals that lasted me over the years. You might also find great deals at scratch and dent shops in your local area or consignment stores.

Second-hand Shops

If you already go to Value Village or The Salvation Army and many other second-hand stores you know there are deals to be had. You may have to pop in periodically to see what stock has come in but if you’re lucky you might just find what you are looking for. Keep an open eye for discount days or 50% off days to sweeten the deal even more.  Plus some shops have rewards cards as well so take advantage of them when you can.

Rewards Points

If you collect rewards points on your credit card you may be able to redeem them for paint in the paint shop at Canadian Tire if you use the Canadian Tire MasterCard like I do. If you love PC and collect PC points you can also redeem for many household items in-store. If you collect points always remember to have your card handy because points lost is like throwing money out the window. Just last week we redeemed for a new food processor and frying pan and although they are not used to decorate with it was still great to get free stuff with points we earned.

Coupons

If you keep an eye out you will find coupons in weekly flyers. I know that Home Outfitters offers a coupon for 20% off if you buy one item at regular price. That might mean you could get curtains, pillows, lamps, bedding etc for a cheaper price if you cut out your coupon. Do that every week and you can start to decorate your house the frugal way in no time.

There you have it, some tips on how you can find some frugal deals to decorate rooms in your house or apartment without breaking the bank. Never listen to those that make you feel as if you should be spending more or that buying used is for people who can’t afford new, it’s a load of you know what. If someone things your too cheap or living too frugally, remember to live your life the way you want to. Spend your money wisely and the goals you set forth to accomplish will come your way.

Where did you get the items to decorate your living space?

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How to budget as a couple

budgeting-couple-with-world-in -their-hands

Your World Becomes One With Budgeting

Budgeting as a couple doesn’t have to be a difficult process to begin, as long as you want to budget in the first place. I think one of the most asked questions I get is how to budget as a couple because it seems to be one of the biggest barriers that stop couples from taking control of their finances. This might be a long post but if you are serious about budgeting you’ll hear me out.

Not all couples want to budget and feel they have success with separate bank accounts even after marriage, that was not us at all. We became 1 money jar. Some people think budgeting basics is difficult but it’s got to be the easiest math you will ever do and benefits the both of you. Thinking about how to budget money and actually doing it are 2 different things. In order to get ahead you must take the first steps, together.

When we are young we have the entire world in our hands. We can do what we want, when we want but when we get married or are in a committed relationship changes have to happen. Now you share that space with someone you are in love with and 2 jars become 1 money jar. Those couples that can’t work on a budget together end up where I often see one person struggling to balance just the grocery budget, since that is a big chunk of most people’s finances.

Dating and money talks

We all bring certain ideals and beliefs to a relationship and it’s probably why I’m a big advocate about talking money when dating. You can fall in love with someone and they could be the best lover in the world, but if your money pot beliefs don’t jive then look out, there might be trouble.

I’m not saying that all women want is money or all men want is money, what I’m saying is that if you are not on the same page you may have to pay for this in some form down the road. It might not be what you expected either. Growing up all we had to do was go to work and take care of ourselves, at least that’s what it was like for me.

When we get married or are in a serious relationship that all changes and  putting the money into one pot can be terrifying. The thing is when you are in a relationship for the long haul you need to know numbers, you need to know everything about anything related to your money, including passwords, account numbers etc.

Budgeting for couples

You don’t need to be married either to be committed. Why wouldn’t you care about this stuff? If your spouse/partner happens to pass away, gets ill, is seriously injured or leaves you, do you have any idea where you will begin? If the answer is no then you should high-tail your butt to your computer and start figuring out a plan as a couple so you aren’t left in the dark should something happen.

I remember when Jen first emailed me asking me for help putting a budget together. The first thing I had asked her was whether her husband Ken was on board. Unfortunately at the time he was not so I tried to motivate Jen to invite her husband to get familiar with the new budget we had set up for them so he felt like part of the process.

Compromise is a huge part of any relationship so if you can’t work together to compromise with your finances where does that leave you with other aspects of your commitment. If you are disciplined enough to get rid of debt and stay on track you will find that the path to financial independence seems a bit more enduring.

In a matter of months after starting the budget Jen and Ken were back on track and although she is still running the numbers he knows what the numbers are. That’s an improvement over not really wanting to budget because he may have felt restricted having categories and only a certain amount to spend.

Budgeting for marriage

Here’s what Jen had to say when I asked her how introducing a budget to her husband affected their marriage.

Before Ken and I met he spent money when and however he wanted. When we moved in together I had him stop using the coffee truck at work so he started bringing a lunch and his own coffee. Ken asked me to take over his finances and we discovered he was $50,000 in debt.

He got a consolidation loan and worked on paying that off. Once Ken started contributing to the mortgage after we got married the loan was too hard to pay so we incorporated it into the mortgage.

Ken still liked to spend without thinking about it. He would buy beer, smokes, play online poker and join every pool they ran at work for every sport. We continued to go into debt until we had our son. Ken quit smoking (more for the health of our son than the financial aspect of it) and I found Canadian Budget Binder through a couponing page.

When I decided to start using Mr CBB’s budget as a beta tester to begin the budgeting process again. Ken thought it would never last, that we would give up as quickly as we had on the Til Debt Do Us Part budget that we had tried while I was pregnant.

I had asked Mr. CBB to help me make a budget to help me save money and pay down our debts. When I had actually followed through with the budget Ken sometimes felt depressed. He felt that we had no money and he couldn’t do anything like golf as much as he wanted, play online poker, go on vacations or buy as much beer as he’d like.

Sometimes it got directed towards me as anger and that caused us to fight about money. It put a lot of stress on me. I do have to commend Ken for always working overtime to help earn extra money though. When budgeting started working well for us we decided to put our car loans and line of credit into a home line of credit to lower our payments but also pay way less interest; as Ken saw that loan decrease and our savings increase he started to get on board with budgeting.

Now Ken asks me about purchases, he has an allowance that he has to budget, he tries to be frugal by borrowing things from friends or getting me to post on freecycle, etc.

He occasionally gets frustrated that we can’t afford certain things like vacations but we don’t stress about money like we used to. We now have the same goal to work towards debt freedom by living within our means and teaching our son about money from a young age so that he does not have the same financial problems as us when he grows up. We are still a work in progress but are doing FAR better than we were just over a year ago.

Stop hiding from debt 

It’s not something we can run away from although many try to put a band-aid over top by spending more than they earn. The cash they need to pay what they overspend goes on credit cards or lines of credit, thus the cycle begins. That’s not a fun way to wake up every morning. We need to stop comparing financial numbers of everyone else and focus on the hands who put food on the table and a roof over our heads, ourselves.

When the wife and I designed our budget it was something we had never done before, and trust me we are still learning. I don’t think there hasn’t been a month that goes by where we are making changes to our budget. It wasn’t until we got to Step 6 who does what and when that we realized that this has to be a team effort.

If a couple wants to budget together then all of their financial numbers need to be put out on the table for couple viewing. It’s up to the both of you to decide who will take care of the budget or if you will both work on it together, which I suggest. If one of you is in a huff about it then it won’t work. If you think you can partially budget behind the scenes it may work but the numbers will likely be skewed, especially if one spouse/partner is spending money and not telling you about it or forgetting to.

There is no room for being lazy, you need to get organized and get your stuff together if you want this to work. We can all dream of having lots of money, early retirement and winning the lottery , but if you don’t have a plan nothing is going to work the way you want it to. Then again, if you get lucky and win or receive money that you never expected it becomes a bonus.

So, how should go about budgeting as a couple? Here are a few steps that we took in order to get our budget off the ground and in motion. It’s been a couple of years now and the budget is still going strong. Our net worth is up over $500,000, higher than we ever expected and we were able to save enough to pay almost $265,000 worth of debt (our mortgage) off in less than 5 years.

Yes, a mortgage is a debt, if you owe money it’s a debt. That wouldn’t have been possible if we weren’t using a budget, at least not at the speed that it happened for us. I can’t see us not ever using a budget again, it’s our life-line to understanding us as a couple, our wants, needs and where we plan to go into the future.

Tell the truth

I talked about it earlier saying how I would discuss money while dating but what some people do is tend to fudge the numbers either to make themselves look better or feel better. When you are in a committed relationship it is what it is, you can’t tell lies about money and not expect anything to happen.

It will all catch up with you at some point or another. So forget about your money status and get real about money. No one wants a liar for a partner and I’m sure things won’t end nicely once your debts are exposed. If you are sitting on $100,000 debt don’t wait to tell him/her after you put the ring on the finger.

Stop making excuses

I always hear excuses from people for one reason or another and although It’s not my problem those that are making excuses need to recognize them. I don’t know how many times I said I wanted to quit smoking. There was always a reason why I couldn’t though. I didn’t have time to quit, too much was going on, I can’ t do it and so on.

It’s a load of crap, so just step into it or don’t step in at all. The minute we make excuses for why we don’t do something in our life is the minute we stop taking pieces from the mountain to build our own. Everything takes time, so suck it up and live life the way you want to.  No one else is going to care if you go into debt, go bankrupt, lose everything or kill yourself smoking. It’s your life. Take control or give it away, it’s your choice.

Know what you need and want

If you are now living together as a couple whether you rent or buy you need to know what your needs and wants are. What do you need in order to live a happy life together and as individuals. Does a case of beer a month make you happy like it does me, well than you might want to have that as part of your budget allowance.

This is the part where you want to set some goals together. Know what you want from your finances and where you both see yourselves headed in the future. If you want to buy a house, then talk about it. You need to find out all the costs involved with purchasing a home so you can budget that money in. If you need to pay off your OSAP loans or car loans talk about how you want to accomplish this and by when.

Run the numbers

The tough part is trying to fit in the needs into the budget especially if there is debt coupled with not earning enough money to pay the bills. This is where you will both have to decide whether you want to keep something in the budget, adjust it or get rid of it.

I know many people who don’t have cable as part of their budget because they simply can’t afford it, don’t want to pay for it or don’t watch it enough to justify it. So, ask yourselves if your budget doesn’t balance what can you cut in order to make both of you happy and stay under budget to achieve your goals. Once you run your numbers it’s time to follow the steps I outline to prepare the budget. It doesn’t have to be fancy. All you need is to make sure it’s telling you what you need to know.

Working together

The budget won’t work if you don’t do it together, like Jen and Ken quickly learned. If one of you wants to take over all the computer or pen and paper work of the budget that’s fine. There has to be that give-and-take I talked about earlier so don’t jump down each others throats about expenses, own them and sort out what works for the both of you and what doesn’t.

You could meet up once a week to go over the expenses, any bills you need to pay and pay them. Another great part about doing it together is that it brings you both closer in terms of money matters. Relationships fail because of money, that’s a fact for many divorces these days. I’m sure an hour a week is worth keeping the money love alive. When couples are on the same page and working towards paying off debts it brings forth a feeling of togetherness, or teamwork. If you care about each other, then care about where your money is going.

Chill out

Don’t get so flustered about having your money accounted for with a budget. We all make mistakes and we are supposed to learn from them. If you want to treat yourselves to a night out on the town or a vacation all you need to do is save the money up in your projected expenses account and enjoy the times you spend together. If you spend more than anticipated, it’s not the end of the world because as a couple who budgets you will have that emergency savings set aside just in case it’s needed for an emergency.

Whether you decide to put your money together into one account each month so you can pay all your bills and debts that’s up to you. As a married couple that is what we do but if we were just dating (not engaged) we likely would have kept separate bank accounts and paid half of all the bills owing and our own debts.

When some couples get married it’s hard for them to let go of that control that they have over their money empire but in the end it was the best decision we made. We married each other because we are in love, we have nothing to hide, we work as a team and we want to retire and leave this earth knowing that nothing got in the way of our dreams. Our way to budget as a couple worked for us and may or may not work for you, but if you want it bad enough together you will jump in with both feet, no regrets.

How do you budget as a couple? 

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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

It's Not About How Much Money You Make It's How You Spend It

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Book Review-Money Smart Mom-Financially Fit Parenting

A Book Review of Financially Fit Parenting written by Author Sarah Deveau

As you may already know Mrs. CBB and I have no children as of yet. We are hoping to have a child one day soon and this book was an excellent guide to answer some of our questions. When we hear about children and money we automatically believe it will cost a fortune to raise a child. That may be the case but if you plan and budget your money it may not be as bad as it sounds.

Sarah doesn’t miss a beat in this book offering tips on everything from making the decision to have a child all the way to budgeting and saving for the future.  All soon-to-be or wanna be parents like us should read this book and make notes and lots of them. You will learn everything you need to know about parenting tucked into this well planned out guide.

One of the most important topics is preparing for one income and adjusting the budget to show this change. I often have mothers asking me how they can budget while on maternity leave  and I often tell them to “live it” before the baby arrives. What that means is sort out a mock budget using as many figures as you can and live from one income to see if can be done. If not then you will know ahead of time what needs to be changed. Some parents decide to stay home for good and not return to work and this helps you to make a sound decision. It’s important to understand the basics of maternity and paternity leave before you set any plans in motion.

Sarah goes on to explain that  ”after running the numbers,many families find that it just makes sense for one parent to just stay home with the children”.

While you are staying at home you no longer need to spend money on items such as work clothes, lunch, coffee etc. These out-of-pocket expenses that you won’t be spending need to be taken into consideration when budgeting for a one income family.  You both need to sit down as a couple and make a list of all the important details of  your budget. Make important adjustments to see if it is a realistic expectation to stay home and still pay all the bills.

Another money crunch in the budget when having a child can be all the baby items you need to purchase. I know that Mrs. CBB and I were terrified about all the baby stuff on the market. We truly thought how are we going to afford all of this stuff. Sometimes we walk through the baby section at the shops and the prices scare us. The sheer amount of gadgets on the market can really add up in the budget.

Sarah warns that they grow up fast, remember this speedy development also means they grow out of things equally as fast.

You can easily take advantage of the vast amount of garage sales in the summer time to find anything and everything baby related. You can scour the internet or mom to mom sales for cheap baby clothes and then some. When your child grows out of  things you can turn around and sell them to another parent. You can also take advantage of using coupons to stockpile diapers,bottles,formula etc.  before your bundle of joy arrives to save money in your budget.

Since reading Financially Fit Parenting  Mrs. CBB and I feel better prepared to make the right decisions for preparing to bring a child into this world. If you have questions and you want answers Sarah has them all in Financially Fit Parenting.

WIN A Copy of Financially Fit Parenting!

Here’s How………..

If you would like to WIN a Copy of Money Smart Mom- Financially Fit Parenting You must be a Fan/Follower of Canadian Budget Binder on either Facebook,Twitter,Pinterest or a Blog Subscriber to enter.  Tweet,Pin or link to this post or Share the Facebook Post then comment on this blog post to be entered. You must complete the above to be entered along with commenting on this post. One entry per email and per person.

Contest starts Saturday July 7,2012 and ends Monday July 9,2012 at 10am EST. Canadian Residents Only. Winner will be announced Tuesday July 10,2012. Watch for the post!

You can purchase Money Smart Mom-Financially Fit Parenting on-line at Chapters Indigo and visit Sarah’s website at MoneySmartMom for more tips and ideas.

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Mr.CBB’s Weekly Blog Post Picks June 1, 2012

Hey Fans!

What a busy week it has been for us but I did find the time to read some great blog posts from around the web. This week Canadian Budget Binder focused on the kids.. with a great guest post by Sarah Deveau of Money Smart Mom and a guest post on RESP’s by Katie Green a financial writer. We also had a guest post by frugal mom Ana Brady.

Canadian Budget Binders Week in Review

Some Financial Blog posts around the web I checked out this past week and think you should as well are…

Will Buying You an E-Reader Save You Money- Chris Neighbours

Is A Television A Want Or A Need?- Blonde on A Budget

Bank Fees- Canadian Performer’s Money

Why you should never ever just pay the minimum on your credit cards- My Canuck Buck

Warehouse Clubs Why They Make Sense For Most People- Your Life For Less

Buying Your First Car: Learn the 5C’s of Car Buying- Modest Money

Let’s Talk Money The Series with Carrie at Careful Cents- Tackling Our Debt

If you are not on my blog roll and would like to be simply send me an email to canadianbudgetbinder@yahoo.ca and introduce yourself.  Sometimes I’m not aware of different sites or I might be overlooking one so let me know! If you would like to guest post at Canadian Budget Binder I would love to hear from you.

If you want to chat with me I’m typically around my social media outlets throughout the day so come join me on Facebook,Twitter or Pinterest! I look forward to meeting you and reading your blog posts!

Until Next Weeks Mr.CBB’s Weekly Blog Post Picks……

Cheers and Thank-You for your on-going support

Mr.CBB :-)