October 2013 Net Worth update:(+1.94%) Defending spending habits

SPENDING TOO MUCH – ARE YOU DEFENSE SPENDING? Using our budget as a spend tracker has been our saving grace this past couple of years but recently we’ve been spending more money. In our budget update for October we recognized the need for a flexible spending plan but also a plan to continue saving our money. If you always have to justify your purchases then chances are you likely don’t need to spend the money and your defending your spending habits. I don’t think we went too far overboard in October but we certainly spent far more than anticipated once again. In our October budget update I talked about romance and money and how that affected our budget this past month. I also wondered whether many others feel the same crunch with seasonal spending. Seasonal spending is where you spend money just because you think you need to buy something for someone or yourself because the weather starts to get cold, you are indoors more and the holidays are right around the corner. If you spend money just because you think you have to it could really dent your budget and your overall net worth like it has for us […]

grocery game monthly challenge

The Grocery Game Challenge Oct 28-Nov 3, 2013 #4- When the price is right and wrong

I’LL TAKE TEN AT THAT PRICE…NOT!   For the most part as customers we expect product pricing to be accurate when we grocery shop. I’m betting that a good majority of people don’t watch the computer screen when their order is being scanned in. Not being mindful at the cash may mean you might miss out on opportunities to score some freebies and or help the store to correct issues in the system and in this case today outside of the scanning system.   Speak up and help   As a regular customer to a few local grocery stores I always do my best to help the store out if I see a problem and I at least hope they appreciate it. In my eyes we are the watch dogs for the grocery store because it’s such an intense system that even the slightest error could cause a customer to get upset or in this case laugh a little, OK I laughed lots. I don’t know about you but I’m pretty sure my wages won’t allow for me to purchase a box of Kraft Dinner at $172 a box. I’m also pretty sure that I’ll never have an opportunity to […]

CBB Net Worth Update~November 2012

I can’t believe November has come and gone so quickly, now it’s time to get into the festive mode and thinking about our yearly goals for 2013. By posting our CBB Family Net Worth and Budget Update once a month here is a means to motivate ourselves to continue down our financial path. We are a Canadian couple who make an average salary and want to know where we stand each month. We want others to know that you don’t have to make 6 figures to have a Net Worth. There’s no race to the finish line because no one really knows where that line is. You could die tomorrow or you may live until you are 110 years old. What does Individual Net Worth mean? Net Worth is a snap shot of your financial health sort of like a picture. It’s a total of the value of your assets minus your liabilities. Posting our financial numbers is about showing others how budgeting has worked for us. Who’s the Man behind Canadian Budget Binder? My name is Mr. CBB and I’m the frugal guy that does all the talking around here. Yes, some women think Frugal Men are Sexy and I’m here to show you how to spot one! Well not really but I’m sure you will […]

Spooky Frugal Halloween Fun! Mr.CBB’s Scary Witch Finger Cookies!

Ding Dong the Witch is Dead   Halloween is just around the corner and if you are looking for an easy cookie recipe that is fun and frugal you must make my scary Witch Finger Cookies.  With so many Halloween parties happening in October this scary quick witch finger cookie recipe will be a hit for any party whether with your friends or co-workers. These are also great little treats to send with the kids to school or day care if they are permitted. You can’t buy these witch finger cookies around where I live but they are so cheap to make. I would say all said and done not including time and hydro they cost us around $5.00 to make. That’s not bad for a yield of just over 36 witch finger cookies. The best part is the witch finger cookies are fun to make and making these with the kids, well you can’t buy memories can you now. The ingredients in these witch finger cookies start with basic ingredients although the almonds, almond and vanilla extract and red decorator gel are something you might have to head to a bulk store to pick up. Believe it or not the […]