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

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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 […]

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

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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 […]

Canadian Budget Binder-The Saturday Weekend Review #2

Mr.CBB’s  Saturday Weekend Review Saturday comes so fast and for some it’s the weekend of fun and pleasure and for others like me it’s a bit of both work and pleasure.  With Hurricane Sandy in the midst we brace for a wet weekend and upcoming week. Canadian Hurricane Centre says we won’t see the worst of  Sandy until next week when it hits us in Ontario. Lots of rain already, and it still keeps on coming. This past week I was back in the yard hopefully for the last clean up of the year. You know when you get your lawn looking just right, no leaves then a gale of wind comes and dumps another load. Well, that’s how my lawn looked a couple of days after all the work I did the previous week. Meh, I’m never going to get through my to-do list but at least I’m doing it. The Welfare Food Challenge is over but The Grocery Game Challenge I hold each Tuesday is still on. We continue to eat some amazing food here in the CBB home that doesn’t cost alot out-of-pocket like ginger lemon mushroom chow mein noodles topped with lemon pepper fish. Keep checking in each Sunday as I […]

Mr.CBB’s Weekly Blog Post Picks Oct 26,2012

Each Friday I will Blog Mr.CBB’s Blog Post Picks of The Week. This may include posts and shares from Friday Previous up until Thursday the following week. I like to recognize those sites that genuinely enjoy the content of my blog and share it. I can’t believe it’s Friday already. It seems the more work I start doing outside and around the house the faster the week passes by. You can read what I’ve been up to each week at home and the blog each Saturday now with my new featured post “The Saturday Weekend Review“. Alternatively I would rather spend my time exploring the world with the lovely Mrs.CBB then cleaning the house. So,  unless I win this weekends Lotto MAX at $50 million, then that’s not likely to happen. This week has been a super busy week at the blog and as the blog grows so does the time it takes to get through all the emails and the social media mentions. I’m enjoying the new people I’m making friends with as I realize that learning from each other is more important to me than anything else. This week as you will see below I did plenty of  reading and commenting on […]

Canadian Budget Binder- The Saturday Weekend Review #1

Mr.CBB’s  Saturday Weekend Review Well, if you don’t already know I’ve participated this week in the B.C Welfare Food Challenge. This week has certainly been an eye opener for Mrs.CBB and I and I will have a final report about how this week went for us next week. I’ve just started to post some photos of the food I created from my $26 grocery budget for 1 on my Facebook page in the photos album so check them out. I’ve also finished putting up the Christmas lights however I’m still stuck trying to find one small string to finish it off. I might as well say stuff it for this year as I don’t fancy spending more money on an additional 8ft of lights than I did on the other boxes I bought end of season. We purchased our pumpkin for Halloween and it’s a small one but it’s just perfect. I’ll be the one in charge of the carving but I’m not one of those fancy carvers I just give it the ol’ 1,2,3 and stick a candle inside. I’ll post a picture after I have a stab at it and show you the results next week! What do […]

Mr.CBB’s Weekly Blog Post Picks October 5, 2012

Mr.CBB’s Week in Review This week flew by to be honest and it felt like I spent more time outside of the home than I did inside. It was so nice out that I went for a few evening jogs and we also walked around to take in the breathtaking views of the Autumn Colours on the trees in our neighbourhood. I was speaking to me mum and dad in the UK yesterday and they asked me if the trees has started to turn. That is one thing they  miss about their first visit to Canada back a few years ago. Next time they visit they want to do the Agawa Canyon Tour up in Sault Ste Marie, Ontario. It’s a one day tour into the heart of Canadian Wilderness and we all want to check it out. Have you done this? I’ve pretty much put the garden to rest for the winter and now have around 12 plants to bring inside (even that pretty fern we rescued from the side of the road early in the spring). I don’t know about you but it gets depressing when I have to put everything away but I know that the snow is just […]