Sexy Photo Fun Could End Up A Nightmare Of Revenge Porn – The Saturday Weekend Review #157

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ONE OF THE EASIEST WAYS TO GO BROKE IS TO COMMIT A CRIME   What happens behind closed doors in an intimate relationship should stay closed. For those who feel wronged in a relationship or have other ulterior motives “revenge porn” may be their ticket to getting the last laugh or to cash in. It could also be the worst mistake mentally, physically and financially one could commit if they are caught in such a situation. Let’s not forget about the victim who has to suffer the consequences of their private life splattered on the web. It’s a horrible situation. The word “Porn” may be labelled a dirty word but it’s one of the biggest money-making industries in the world. Nobody wants to talk about it nor read about it but it’s everyday people who get caught up in crimes like revenge porn. Individuals who feel they have a power over someone with pornography need to understand that the consequences of their actions will not be tolerated by the law. It’s also important for parents to discuss topics like this with their teenage children because they know about sex whether you choose to believe it or not. Don’t get upset […]

grocery game monthly challenge

Big City Savings Tips To Survive Grocery Shopping : The Grocery Game Challenge 2016 #4 Jan 25-31

big city savings tips to survive grocery shopping (1)

OPTIONS ARE ENDLESS IN THE CITY   Many people who live in the big city choose not to drive, can’t drive or can’t afford to drive. This means rolling their shopping cart into a large parking lot to load groceries only to whiz home around the corner is not an option. Many of us take for granted the luxuries of living in a smaller city while shopping especially when it comes to parking and space. You’ll get more of that than you will living in the big city where space is at a premium. Related: How a small town family saves money on groceries The smartest tip that I can share with you today about shopping in any city is to be ORGANIZED. Without organization you risk having a less than ideal shopping experience. I find when we have things planned out it’s almost always smooth sailing. Unless of course we have a tired toddler, dirty nappy or it’s feeding time. Download my Free Printable Tools to get you started on the organizational train. With millions of people who live in Toronto and the Greater Toronto Area you will certainly find just about every grocery store on the market. In […]

grocery game monthly challenge

5 Ways Price Matching Can Significantly Lower Your Grocery Budget This Year : The Grocery Game Challenge #4 Dec 28, 2015- Jan 3, 2016

PRICE MATCHING CANADA 2016

ALWAYS FIND THE BEST PRICE   Many stores have a price matching guarantee which means if you’re not taking advantage of this wonderful money saving tool then you’re throwing money out the window. Don’t believe me? You are because what takes a few minutes of your time might take you longer to earn the money you are splashing without cashing in on the savings. Prices hardly ever go down on groceries these days and with produce prices going up in 2016 consumers better start thinking about how their grocery budget will be affected. Have you seen the price of cauliflower these days? One head runs from $5.99-$8.00 at some grocery stores. My wife wanted me to buy one for her but I’m not “Splurging” on cauliflower when it was $0.99 in the summer. She can wait to indulge when it’s cheaper. If spending money on food is not a big deal to you then you probably won’t care but you likely wouldn’t be here reading this in the first place. If you are critical about the money you spend in your grocery budget or you’re trying to get back on track with your spending you should learn about price matching. […]

How to handle a billing rate increase on a tight budget

HOW TO HANDLE A BILLING RATE INCREASE ON A TIGHT BUDGET(1)

IN ONE DOOR OUT THE OTHER   Ask almost anyone about their “spare cash” and I bet they laugh and say, What spare cash? The difficult part with a tight budget is there’s not much wiggle room for most people especially if there is a billing rate change, interest increase or price hike such as groceries or living expenses. It’s been a while now that we’ve paid off our mortgage and living debt free which has opened up some avenues for us financially. Our budget is lean and any savings left at the end of the month gets distributed into our savings account. I received an email from a guy who uses our family budget and wanted to know how to go about adjusting the budget when the net income he earns along with any income from his wife covers just about everything they have to pay every month. Hey Mr.CBB, I just wanted to shoot you a quick email to ask you a question about your budget and how I go about making changes to accommodate rate increases such as the current Hydro pricing increase. I’m not sure what more we can do so we could free up some […]

Buy the least expensive house in the most expensive neighbourhood

neighbourhood house for sale

BE PICKY WHEN HOUSE SHOPPING   Typically we like to buy quality when we shop which included shopping for our home. This is why we scoured every available neighbourhood around our city for the best deal. The only thing we don’t like is paying full-price which meant we had our work cut out for us. Thankfully, it worked out in our favour. When buying a house you want to make sure that if you are buying a $400,000 house that the neighbourhood matches the price tag or you might struggle to sell as fast as you’d like down the road. This is why we hear over and over not to over-renovate but then again a smaller house in a bigger neighbourhood might have more luck finding a buyer than a house that costs far more than smaller surrounding homes. Today I have an email from a guy who is a first-time home-buyer with his wife and wants to know if they should spend the money and get the biggest house they can or a smaller house but in a more expensive area. Note: If you have a question for me please send me a detailed email similar to below so […]

Does your neighbours home improvement really affect your property value? : The Saturday Weekend Review #101

house property value

BABYSITTING THE PROPERTY MARKET   Your property value is determined by many factors and whether your neighbour paints his garage door pink or purple that has nothing to do with how much your home is worth. Sometimes I can’t get over how some neighbours pick on each other for the silliest of things. Earlier this year we talked about one of our neighbours who hardly ever cuts the lawn. We got serious about overcoming laziness as a homeowner and joked about renting a goat. That was a legitimate complaint because there is a city by-law against leaving your lawn to grow to a certain height. Sure if the homeowner were to sell his house it may impact how much someone would be willing to pay him. The house might deter potential buyers of other homes that are well-kept but for the most part I don’t think it would bring down property value of all the homes. When a homeowner lets their home fall apart that’s when I’d start to worry but not if they are making improvements to the home and keeping the property looking good. It becomes a pain in the butt when the neighbourhood patrol group picks on […]

To Take Or Not Take Early CPP

Happy Non-Retirement

CANADA PENSION PLAN DILEMMA   My husband just turned 62 and we’ve been in a quandary about whether he should take his Canadian Pension Plan (CPP) early (before 65) with penalty or not. We’re both still working and plan to be for the next 4 years while we pay off a whack of debt. Because of penalties introduced in 2012, the amount you receive by taking your CPP early is less than before this legislation was introduced. Let me try to walk through the peculiarities of our situation and how we reached our final decision.   The CPP Rules   While I can’t walk you through all the rules, I will highlight the key ones or ones that were relevant for us but refer you to the CPP website which is actually pretty clear.  I just want to point out that the Quebec Pension Plan (QPP) has a different set of rules, up front. Normally CPP was collected at 65, with penalties and premiums if you elected to take it anytime from age 60 to 65, or from age 65 to 70. Contrary to popular belief, with the new rules introduced in 2012, the age for CPP has not changed […]

Step-brothers financial advice about selling a vehicle turns sour

Key selling used vehicle

PEOPLE WILL DO WHAT THEY WANT   A young woman who approached her step-brother seeking financial advice about selling her vehicle turned sour in just a matter of minutes. In a silly way before we ask a question many of us have a preconceived notion of what we want the answer to be. It’s as if we are cheering in our mind in hopes someone says what we are thinking. I suppose it’s a reaffirmation of what we think we already know but just want to find out for sure. If you are close with your siblings you may turn to them for financial advice and everyday tips in hopes to make the right decisions on topics you might not be too familiar with. I often find it interesting when people ask for financial advice yet when they don’t hear what they want to hear they get defensive. Then I have to wonder why they asked for advice in the first place? I read a quote this morning that went something like this….. You can’t save everyone. Some People are going to destroy themselves no matter how much you try to help them- Bryant McGill I have in the past […]

Celebrate Canada Day enjoying our beautiful country: The Saturday Weekend Review #78

Celebrate Canada wm

APPRECIATE YOUR SURROUNDINGS   Canada Day is just around the corner and many people are gearing up for a long, long weekend of fun. If you are lucky you may even have a couple of days off next week with the holiday falling on Tuesday, July 1, 2014. This past week I had the opportunity to take some day trips around Ontario as I’m on holidays from work and I can’t get over the beauty that surrounds us here in Canada. I don’t often take the time to sit and enjoy what nature has to offer and breathe in the surroundings but I’m learning to take that break from life. I’ve been going non-stop with work and my education since moving to Canada from the UK almost seven years ago. Last year I wrote about the five things I love about Canada and as another year has passed I still love Canada perhaps more than I did the previous year. There is so much to explore here and I’ve only barely scratched the surface. I know many people like to jet off to other countries but I think we will stay here a while to see what secrets surround this […]

First day of summer and family activities: The Saturday Weekend Review #77

First Day of Summer family activities

SHOW US SOME SUNSHINE   It’s officially the first day of summer and family activities are swirling around in many parents’ minds. I can understand how so many parents want to find exciting yet educational things to do for the family when the sun is shining. Family activities are heightened in the summer because it’s a time when the students are done school and can get bored very easy. I know growing up I was always outside getting into some sort of trouble (all good fun though).   Family activities growing up   Even though my parents owned their own business it wasn’t hard for them to have hired help watch over the place while we enjoyed family activities together. Those are the times I remember the most and will cherish because as you get older the memories stay with you forever. It’s funny though because going on day trips and planning our family activities was something my mother would do and my wife says I’m a planner just like her. She’s right! When we plan family activities together I always research online what’s going on, where and if there are any discount codes, coupons or if available ways to […]

How far would you go to fund your child’s education? : The Saturday weekend review #75

childs education

MAKING SACRIFICES FOR YOUR CHILD   Education in Canada isn’t getting any cheaper and parents are struggling to find ways to help their kids financially. Not all parents feel the need to fund their kids’ education but many would do just about anything. I wasn’t surprised when I read an online article sharing results of a survey of over 600 Canadian families by Abacus Data. The survey was of parents who had children in post-secondary education, on their way to school or have attended in the past 5 years. We know that debt looms high in many Canadian households plus saving for a child’s education can make any budget tight. With over 74% of parents saying they feel financially responsible to help pay for their kids’ education I’m wasn’t shocked to read how far some parents are willing to go to make sure the money is available. I’m not sure if I agree with them all but one thing I am sure of is that if you have a child and can set money aside into a Registered Education Savings Plan (RESP) as soon as they are born you don’t have to do wild and wacky things to find money […]