Rich People Don’t Care About Your Life When You’re Poor : The Saturday Weekend Review #194

THE THINGS YOU LEARN FROM PEOPLE YOU DON’T WANT TO LEARN FROM CAN BE DRAINING.   When you’re successful and rich everyone else around you is either rich, richer or poor. There is no in-between because life-style change if adopted can skew the mind even if rich people were once poor themselves. It’s easy to get caught up in the luxury of financial security and for some rich people their life revolves around becoming even richer. They didn’t get where they are without hard work unless of course the money was inherited. This is where the term the “Rich run with the Rich” comes from because what are poor people going to teach rich people who they don’t already know, right? Wrong. As I sit here typing this with a spoon deep in a jar of peanut butter I can’t help but remember what a gentleman said to me at the park on Thanksgiving Day,”Rich people don’t care about your life when you’re poor.” I couldn’t get the conversation I had with him out of my mind. I was out with the family on a lovely Autumn day on my day off  and we decided to bring our son to […]

I Want To Be The Tooth Fairy When I Grow Up : The Saturday Weekend Review #189

A SAVINGS PLAN STARTS WITH A LOST TOOTH   The real tooth fairy doesn’t necessarily have to be a girl in a pink fluffy dress with fairy wings and a wand. There are little boys out there just as fascinated with spreading cheer and wanting a job as the tooth fairy when they grow up, like our nephew. Talking about saving money is tough for some parents with their kids but a great place to start is when your child starts losing their teeth. Instead of spending money they get from the tooth fairy take the opportunity to explain to them about financial growth and how it may work in their favour. Not only did our nephew remind us that we have to add tooth fairy savings to our budget as our little guy gets older but that we have to prepare ourselves as parents for these times ahead. What exactly is the tooth fairy all about? The tooth fairy is a fantasy figure of early childhood.The folklore states that when children lose one of their baby teeth, they should place it underneath their pillow and the tooth fairy will visit while they sleep, replacing the lost tooth with a […]

16 Action Steps We Use To Get Ahead Financially : The Saturday Weekend Review #185

YOU WILL NEVER FIND A MANUAL FOR SUCCESS THAT IS WRITTEN FOR YOU- YOU ARE THE ONLY AUTHOR OF YOUR LIFE.   Everything stops for a cuppa tea in our household because it’s during those minutes that we are able to relax, regroup and think about our next action steps. In essence we take a few moments to relax from the stress of our day to see where we are on our path. We’re a family of 3 and debt free including our mortgage and it certainly wasn’t an easy road to get to this point of freedom. One of the most important mindsets that we adopted early in our marriage was that we would partially sacrifice today for our future riches. That meant that we didn’t go out partying nor did we buy things we didn’t need. We were all about frugal living and still are but the emotions we felt when we burned our mortgage papers made us realize that it was all worth it. The smiles and gut-busting screams of relief made it all feel real to us. No more debt, no one can take our life away from us now, we own it. Except for death […]

grocery game monthly challenge

5 Ways To Spend Less Time Grocery Shopping And More Time Saving : The Grocery Game Challenge 2016 #2 Aug 8-14

YOUR TIME SAVINGS ARE JUST AS IMPORTANT AS YOUR GROCERY SAVINGS   It may sound silly to some of you to time your grocery shopping trip but this is something Mrs. CBB and I have done the past few weeks only to be shocked at the results. It was time for a grocery shopping experiment to test just how well we were utilizing our time in the grocery store. It’s so easy to get lost in the grocery store world especially when tuning out what’s happening in your life outside of the auto-sliding doors which is almost instantaneous when food is involved. No one wants to be stuck in a grocery store longer than they have to be but like surfing the web can be addicting so can grocery shopping. The time spent on your grocery shopping trip should start the moment you get into your car or step out the front door to complete what most people either love or hate as a task that keeps us nourished. It’s a food love or hate relationship that can be costly or for some strategic where savings and structured goals become more of a marked challenge than a need. This means […]

grocery game monthly challenge

30 Must-Have Student Food Pantry Staples : The Grocery Game Challenge 2016 #1 Aug 1-7

Create your own student cookbook: University and College Cooking 101   You may or may not be a student but if your child is off to College or University don’t pass on the opportunity for them to spend 10 minutes reading this post about cooking and living independently away from the family home. I’ve been a student in University twice in my life and both times I made sure to have a stocked food pantry to stop me from eating out which is a HUGE waste of money for any student. It’s one thing to be social and another to be lazy in the kitchen if you are able to cook at home. I had many friends who considered themselves the starving student only because most of their student budget went to booze, partying and eating fast food. That’s a sure-fire way to starve your budget and your tummy of nutritious food. What I’ve learned throughout my frugal student years in the kitchen may serve as a handy reminder that you CAN eat decent meals at home and kick the fast-food habits many students take on when they move away for school. First off you need a student budget and […]

Forever Debt “Spend Money Like You Have It”: The Saturday Weekend Review #176

LIFE GIVES US OPTIONS AND WE MUST DEAL WITH THE CONSEQUENCES OF OUR CHOICES EVEN IF IT’S A COMMON SENSE LESSON   Since Father’s Day is around the corner I thought this email from a fan was fitting and likely one of the reasons she submitted it when she did. A timely lesson about wealth, money and debt. Liz learned her lesson the hard way and now she’s digging her way out of $50,000 worth of  potentialforever debt because she believed that if you spend money like you have it then everyone will think you’re successful. That’s the situation which 30 year-old Liz is battling now that she is done University, living on her own and has nothing or nobody to fall back on, not even her credit cards. The safety net which she called “plastic” has since been cut up and she was forced to put herself on a cash diet and a strict budget. Her story details the life of an entitled child who was handed choices but with consequences just like any other person. No one likes to succumb to a tight budget but you if you spend money like you have it then you must suffer […]

grocery game monthly challenge

How We Deal With Rude People At The Grocery Store : The Grocery Game Challenge 2016 #2 May 9-15

WHEN YOU JUST WANT TO SCREAM DO THIS INSTEAD AND WATCH THEM CRUMBLE.   I don’t know what it is lately but I seem to be running into rude people everywhere I go. The worst shoppers are at the grocery store especially once Spring finally arrives. It’s as if life is super-charged in the fast-lane when the sun is shining and the white stuff has melted. I’m a happy guy and my wife is generally always smiling because we choose to be happy. We’re not perfect but we channel negativity in such a way that we work on it and find other outlets to deal with it. I understand that some people have “issues” to deal with but taking frustrations out on other people over things you can’t control seems a bit…um, “out there”. It doesn’t matter what time of day you go grocery shopping or what store you choose to spend your money at, you’ll always run into rude people. The last thing you want to worry about or even think about is getting into a heated argument at the grocery store. It’s just groceries, not a grocery game. Related: When is the best time to grocery shop? Last […]

What Should Your Retirement Savings Plan Look Like? : March Net Worth Update 2016 (+2.27%)

WE WON’T KNOW THE FUTURE UNTIL WE GET THERE BUT WE CAN PLAN TODAY FOR TOMORROW, EVEN IF IT’S NOT GUARANTEED.   Our financial advisor told us once that our retirement savings plan was looking good for our ages even though we knew we had a long way to go before we’d feel any thrill of what is yet to come. It’s hard to get excited about financial freedom when you don’t really know what you will need. Most of my colleagues don’t often talk about retirement likely because we want to work and use our expertise as this is what we wanted to do with our lives. I remember when I was working in dead-end jobs or jobs I hated retirement sounded good every morning, before and after coffee. Retirement may not be a hot topic at work but I’m sure behind the scenes money is being saved for when the time comes to say hello to a new way of life.  I’m only a newbie on the block so I suspect some of the long-standing employees are making in excess of 6 figures a year and have a decent retirement savings plan. Even though a large income may […]

%d bloggers like this: