Fixed Income Seniors Struggle To Learn How To Budget


DON’T LEAVE YOUR FINANCIAL DREAMS SCATTERED ON THE GROUND   Learning how to budget after never using one has caused two seniors we know anxiety over their financial future. If they could do it all over again they would change so much about the way they managed their money. They know they can’t turn back the clock and must face the reality of living on a fixed income with little to no retirement savings and lots of grandchildren. They are not alone as many Canadians on a fixed income struggle to make ends meet and must juggle their money to balance their budget, if they use one. Living on a fixed income is a big deal especially for seniors or individuals who rely on money from sources other than from an employer. Cost-of-living increases can cripple those who live on a fixed income especially if they have no other sources of extra money to take from. People are talking about finance and income so much these days particularly in Ontario because most people are struggling with soaring utility costs and high debt loads. Comparing a Hydro bill to a mortgage payment is not unusual for some homeowners these days. If […]

grocery game monthly challenge

How To Chop Your Grocery Costs In Half : The Grocery Game Challenge 2016 #3 May 16-22


YOUR GROCERY COSTS CAN BE SAVED   I’m sure you think that it’s impossible to cut your grocery costs in half and for some of you it may be challenging but for others who are determined it is possible. The problem with so many people who overspend is realizing that they need to change and put stops in place to stick with it. How much should your grocery budget be? If you don’t know the answer to this question today I’m going to share with you how you might be spending far TOO MUCH on groceries for no reason at all. Let’s examine the ways you may be overspending and how you can chop your expenses without feeling deprived. Just because you grocery shop at a cheaper grocery store doesn’t mean you are winning with your grocery bill. No matter where you grocery shop there will ALWAYS be deals which means not one grocery store is created equally. This is the beauty of consumer marketing at it’s finest. In the event you live in a small town and have one local grocery store being mindful of your grocery expenses may become imperative for those who run their ship on a […]

How We Let House Prices Influence Our Real Estate Budget: The Saturday Weekend Review #169


REAL ESTATE DECISION-MAKING CAN BE SCARY FOR ANY BUDGET   House prices can make or break you financially so it’s important to know your finances inside-out and make a decision to purchase a home based on affordability and sanity. Everyone knows that house prices have not burst as expected rather they have exploded and keep going up which means first-time buyers and graduates are struggling to slip into the housing market. Living in the Greater Toronto Area (GTA) I’ve seen some of the most expensive real estate in Ontario. Back in the UK house prices were and still are astronomical in comparison to what you can buy in Canada. I was never one to complain about house prices in Canada until I started earning a pay cheque and life in Ontario kicked in. When you are a tourist from out-of-town where the money is practically double and house prices are high it’s easy to get excited about the prospects of owning a gorgeous home with space. Although I didn’t struggle to sell my house in the UK when I moved to Canada the current owner is struggling and has been for years to sell because no one can afford the […]

Spring Cleaning Parents Team Up Early To Save Avoidable Home Repairs : The Saturday Weekend Review #167

The Saturday Weekend Review(1)

DON’T PUT OFF WHAT YOU CAN DO TODAY FOR TOMORROW   Spring cleaning is a must for our family and something the wife and I have done every year since we bought our house back in 2009. Cleaning the house inside and out after a harsh winter is not appealing but many of us have had all winter to wind up the motor for these Spring cleaning chores. In 2009 we were dual-income homeowners without a child and we pretty much had all the spare time in the world to keep our home pristine looking. Most times people would compliment us on how tidy and clean our house was and thought it looked magazine ready. Although we chuckled when those compliments came in these days we’d LOVE if just one person would compliment our toy-ridden house that has been taken over by a 19 month old “Wreck it Ralph”. He contributes to 99% of the disaster around this house and thinks it’s hilarious. We do too in a parenting kind of way, lol. As a husband and father who works 6 days a week at 2 jobs and blogs I have a pretty tight schedule to fill these days. What […]

grocery game monthly challenge

A Smart Shopper Guide To Prepare For The Grocery Store : The Grocery Game Challenge 2016 #4 Mar 28-Apr 3


GROCERY SHOPPING WITH MR. & MRS. CBB + Jr.   If you want to become a smart shopper plan to invest time into your grocery shopping experience otherwise you’ll be spending money you don’t need to spend and saving less than you should be. Knowing the ropes when it comes to the grocery store is a big deal especially if you are on a tight budget. A fan asked me how they could become a smart shopper like my wife and I have become over the years which caught me off guard. I thought I’ve shared just about every smart shopper trick that I could think of over the years but I haven’t shared exactly what we do. I’m putting together this post to share how we go about grocery shopping to keep our monthly budget at $235 a month for 2 adults and one toddler. I hope by the end of reading this post you feel as if we all grocery shopped together. My aim is to virtually take your hand to have you become a smart shopper by following grocery tricks we’ve learned over the years. Related: The Ultimate Grocery Shopping Guide (Become a Smart Shopper with tonnes […]