You’re cheap if you decorate rooms frugally

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 […]

How to budget as a couple

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 […]

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

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 […]

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 […]

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 Maternity and Parental Leave- The Basics The Grocery Game Challenge May 28-June 3- Hot Hot Hot How To Get The Most Out Of Frugal Easy Cooking Mr.CBB’s Spicy Cheesy Bacon Cornbread $5 a pan Just Married, We’re Newlyweds and Need A Budget! RESP’s Investing In Your Child’s Education-The Basics 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 […]

Just Married! We’re Newlyweds And Need A Budget

Were you Just Married or planning to tie the knot soon? Get yourselves on the right financial track with a little preparation today. It’s that time of year Wedding Bells are ringing all over the world. Bliss is happiness until all the hoopla fades to the background. I sometimes get panic emails from newlywed couples looking for tips on budgeting or tips to help them out of a financial mess they’ve created. I do however always suggest they seek professional guidance as I am merely a man who understands money and budgets. None the less they want answers or anything to help them see a ray of light. I typically ask them some questions right from the start. 1-Why do you want to budget? 2-How much debt do you have? 3-Are you both committed to budgeting? 4-Have you ever used a budget before? 5- Do you know your credit scores? These questions help me to get a better understanding of their budgeting knowledge and a small picture of their debt and spending habits. It also helps me to understand who is in charge and whether or not they keep any money secrets. I’m a firm believer that couples should understand their finances before […]