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 […]

Ways To Save Money On Your Water Bill This Summer!

Photo Source: Mr.CBB It’s amazing the things we take for granted in Canada and around the world and water is one of them. Water is free when it rains but turn on the tap or flush the toilet and you will pay! I didn’t have a big garden back home in the UK but we definitely made use of conserving water best we could as home owners. I remember seeing business offices run out of  old homes where an office water system using the rain barrel was being used. All they needed to do was walk out the office door, fill the watering can and water the plants. You have to save money in the budget wherever you can even if you are a business owner. When the rain decides to stop and we turn on the tap money is rolling out as fast as it’s coming in. Not everyone knows the facts on water and how to conserve and save money. Today I want to go over a few ways to save money on water using simple water collection systems, low-flush toilets/shower heads and rebate programs. Rain Barrel Photo Source: Mr.CBB I noticed last spring and summer our water usage during […]

Mr.CBB’s Garage Sale Tips For Buying and Selling Stuff!

Photo Source Garage Sale, Yard Sale,Rummage Sale, Church Sale,Trunk Sale or Car Boot Sale as we call it in the UK  all of which essentially mean the same thing…. cheap prices for “stuff” people no longer need,want or have room for.  The Spring and Summer time are the high times for garage sales especially here in Canada. Warm weather and sun plant the Spring Cleaning bug and sends people into a selling frenzy.  For newlyweds, students,first time home buyers or anyone who wants a bargain now is the time of year to get out and get searching. What’s it like driving Mrs. CBB to Garage Sales…. well, where do I start (I hope she doesn’t read this… I remember when I first settled here in Ontario in 2007 I had never been to a garage sale at someone’s house in my life. I have to admit it can be a bit draining with the wife raging with excitment in my ear. Her hands waving in the air, hurry, I see the sign, look,look,look at all the people, pull over,she jumps outs, nods up and down, side to side, she jumps back in, go,go,go,… oh yes this  does my head in, but […]

Cheap Summer Family Outings-Not Everything Has To Cost Lots Of $$ Money

By: Canadian Budget Binder Have you ever noticed once the winter sets in most people are comfy sitting inside with the family watching movies around the fire,eating popcorn or playing games. Well that gets old, although it’s a fairly cheap night in with the gang. Then suddenly our lawns turn from white to blah and from gremlins to warriors we battle our way to sun, sand,music,parties and the smell of barbeques! (beer in hand I might add) Yes, it’s that time of year in Canada where we start to hear the lawn mowers running,the birds chirping and your neighbours spring cleaning their homes. Then we have the  kids who are anticipating or better yet counting down the last days before summer vacation. We’ve hung up our snow gear to dust off the next seasons attire because it’s time to get out and get moving again. When we think of fun for the family we automatically think money don’t we. Yes money can get you top-notch entertainment but not everything that is fun and educational costs money . Keep in mind not everyone has money to save for family getaways or short jaunts around the city. It also doesn’t make sense […]

Time for a change?..DIY Oil Change That Is! Save $$

By: Canadian Budget Binder Is it worth doing your own oil change? Mr  Lube, Jiffy Lube, Canadian Tire, Economy Lube, there’s more places to change the oil and filter than my vehicles can handle in a 12 month period.  Not all, but most around the $53-$55 mark, that’s for an oil and filter change (my truck takes 5w20 synthetic). Our other vehicle would be around $35-$40, except this time it’s using 10w30 conventional oil. Some lube companies use their own filters, some places use bulk oil (cheaper) and depending on your maintenance schedule and your driving habits you could be back another 3 times during the year. The harder you drive it the more you’ll be caring for it Yes, you can Save $$ Money$$ if you know how to change your own Oil and Filter! I do my own oil and filter change, I use premium filters and premium oil. My engine maintenance schedule calls for 6,000 miles or 6 months (whichever comes first) for one and 5000 miles for the other (under ideal conditions)……both vehicles are lucky if they get 5,000 km annually. So maybe I maintain them a little too much?!? Truck $6.19 for one filter + […]

Driven To Quit Smoking Challenge Has Ended- A Lifestyle Change For Love,Health,Money

As you may know we quit smoking on January 29,2012 because it was the right thing to do. We have been tossing the idea in the air for over a year and we had to jump in head first. Our mates were very excited for us when we finally told them because they truly wanted to see us live a healthier lifestyle.  I am naturally fit as my job keeps me that way but I do all the right things including lifting weights, sports and eating healthy. Smoking was always our downfall and a way to cope with stress and everyday life. Here are some changes we noted since we have quit: When I’m working out at the gym I don’t get winded as fast. I feel like my lungs are wide open and fresh and that I can carry out anything I set my mind to.  If you want to lead a healthy lifestyle just being active 3 days a week is important. You don’t have to be a big gym buff like I am but simply walking the dog or to the park gets you out of the house and moving is what is important.  This is what […]

Paid by Cash In Canada- New Home,New Baby,New Garage Door Openers!

I’ve started a new Category devoted to my FANS who send me emails about how they paid cash for items they needed. Our first story today was submitted by Amanda Kosher who  lives in Ontario. She tells us her story which is both inspirational and touching. Saving to pay for what you need in cash keeps you away from the dreaded evil credit monster. Thanks Amanda for sharing your story with the Canadian Budget Binder community! Cheers, MR. CBB Here’s Amanda’s Story: We sold our house in last year and purchased a bigger one in Ontario,Canada. The house we sold had all the bells and whistles. We lived there for more than 15 years so we had updated everything. We built on a deck added garage door openers, put in a skylight, a hot tub, you name it, that house had it all. Our new house was a newer built 3500 sq ft estate home, which the original owners began to upgrade but ran out of money.  Although the home was new, big and beautiful, it had no deck, no garage door openers and no landscaping. Our situation not being like it was 15 years earlier where we could just do […]

Is your Gas Tank Eating Into your Budget?

Didn’t you just fill the tank honey? What do you mean you are on empty already? If you’ve heard these lines before don’t despair, so have I. Everything around us is going up except the numbers in our bank account. In Canada every street corner adorns a petrol station with your choice of price. Take your pick, spin the bottle or take a chance that the station you chose will do the least damage to your budget. How depressing is that? Driving up the road after filling your tank realizing you could have saved $5.00 down the street. It was clear I needed to do my homework before I went a bit nutty. I managed to come across this website where you can check-in on the prices around town Ontario Gas Prices. Sounds great doesn’t it? Sure if you make it there on time but still a great reference. I remember 6 years ago when gas was 75 cents a litre and I thought it was great compared to my mates overseas. When I over-heard people complaining in Canada about how expensive gas was I remember thinking, you ain’t seen nothing yet. In the UK I drove a teeny weeny Ford KA 1.3 litre and it cost me […]