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Weekend Review

What’s Happening At The CBB House?

I’ve worked like a mad man trying to get things done around the house this past week and as you all know multitasking is not what I’m good at and neither is Mrs.CBB. Besides my career, the blog and hanging with the wife and friends I’ve set aside time to work on plans to get some renovations done around the house which are long overdue. Our plans so far include new updated bathrooms a new kitchen and some simple landscaping.

Making sure we  keep in line with what comparable homes have sold for to get the best return for our renovations. The last thing I want to do is over-renovate and lose money. The catch is we now have to save the cash to do these renovations  since our savings account will be depleted shortly. We knew we would be using up our cash to pay off the mortgage and are in no huge rush to renovate. That only means our plans will be stretched out over the course of the year and into next year.

We planted the garden as you would have read the past two weeks and I’ll be starting my flower seedlings shortly which I will blog about. I’m going to be getting rid of lots of plants in the back garden that we no longer need. I’m thinking about asking the neighbours (the nice ones) if they are interested in some free plants. There is nothing wrong with them it’s simply that we have too many varieties. I also have to split our Hostas this year as we have no space for them. If they don’t want them I will list them for free on Kijiji or freecycle as I’m sure someone would be happy to get their hands on therm. If you are looking for free plants a great place is freecycle as we picked some up in 2012 from a woman who was clearing up her garden as well.  What are your favourite flowers?

What’s Happening With The Mortgage?

We also paid a large amount off the principle of the mortgage the other day, part 1 of a few to get rid of it once and for all. I’ll be blogging about what’s new with our mortgage and what we will be facing in the upcoming months before we pay it in full. Sometimes things seem easier said then done and in this case it was something that was easier said then done, but we’re well on our way to owning our home outright and that makes us happy.

We’ve worked very hard to be where we are today and although we are far from an early retirement we know that learning from the mistakes we have made along the way has helped us gain an inch and sometimes a mile. I’ve read so many personal finance articles about what we should and shouldn’t do when it comes to paying off the mortgage, investing and keeping money in an emergency savings . I realize that all that matters is making an action plan that’s a fit for us. There is no right or wrong answers as we all have unique situations and I think that those that know what they want are one step ahead of the rest and that’s good.

What’s Happening With Life?

We don’t always know what we want so we take time to investigate and learn about our options so we can make informed decisions. I’ve learned about money since I was young and although I could have made better decisions here and there I’m happy with the path I’m on. One post I read that I agreed on although we are FAR from millionaires is “5 things your millionaire neighbour isn’t telling you” at the College Investor. If it’s one thing I’ve learned it’s to keep my mouth shut with my friends and family about money. I also learned to live below my means and love my wife and work with her so we are on the same page when it comes to finances and life. Divorce can cause your finances to take a huge hit. All work and no play is not a great mix when it comes to marriage. We are making plans to spend some quality time together this summer and maybe do some travelling in and around Ontario. We also have a date night once per week where it’s just the two of us, a good home cooked meal and a movie.

What’s Happening With  Canadian Budget Binder?

I have been on the hunt for some amazing new posts by my fans which I enjoy sharing. It’s always nice to dedicate one day a week to post a personal story that someone in our community wants to share with us. Canadian Budget Binder is NOT just about budgets. The budget binder has categories and every one of those categories represents a part of our life so Canadian Budget Binder is about Money and Life. The blog design is still in the works and I know many of you have emailed me asking about it. Hang tight because you never know when something special is going to happen here.

Giveaways

This week I’ve decided to hold a “Quickie Contest” at the blog and many of my fans who have been around since I started the blog know that a Quickie has nothing to do with jumping in and out of bed in a hurry. A Quickie means I’m holding a Giveaway for the fans that is only on for a certain amount of hours. Today I’m hosting a Quickie Contest for my Canadian readers to WIN $25 in Canadian Coupons. Read this post and at the end of the post you will see the Giveaway Widget, click on it and Good Luck!!

For all my other readers from around the world there is a contest on right now that I am co-hosting where you can walk away with $500 CASH through PayPal if you are the WINNER! Enter via my blog post- Starting Our Frugal Garden From Seed. You can find the link just below in the next section. In that blog post you will find a widget to Rafflecopter, click it and all the details are there! Good Luck!!

Expect an upcoming blog posts about “the neighbours”  and how they can get on our nerves and have no interest in cooperating to make our outdoor living space not look like a dump. Do you have a neighbour that rubs you the wrong way? Send me your story and I might include a snippet from it in my post! 

 Canadian Budget Binder Blog Posts 

If you would like to contribute a post to Canadian Budget Binder I am currently accepting posts from fans and fellow Bloggers! 

Canadian Budget Binder Mentions Around The Web

Thanks for sharing Canadian Budget Binder with your fans!

Carnivals

Not many this week as I didn’t really submit to any.

Top 10 Facebook Fans This Week
  • Mary Campbell
  • Christine Weadick
  • Nicola Don
  • Jen Peacock
  • Wendy LeDrew
  • Juanita Paul
  • Katrina Bearinger
  • Beth Anne
  • Tammy Burke
  • Tricia Murphy Sanders

web search terms

Search terms really help me to understand what people are looking for at Canadian Budget Binder! Any typos below are simply how the person who searched typed it in search, or me ;-) Another week of thousands of searches but only a few good ones worth mentioning.

Top Pick: Irish Illegals In Toronto and how many? – Like I’m going to know….

  • Abuse of the Scanning Code of Practice- That’s interesting as I didn’t know it could be abused or really thought much about it to be honest. If a company is alerted that a product has an incorrect price it is now up to them to get the price fixed immediately. If someone were to come in the next day and you STILL haven’t fixed it how is that the customers fault? Am I missing something? If so, let me know what’s going on with SCOP. :-)
  • ID for Illegal Immigrants in Toronto- Nope you won’t find any of that funny stuff here although I’m sure someone is making a killing in extra side income on this one.
  • Heck Out 51- lol.. oopsie missed the “C”
  • no yes- well which is it, no or yes haha
  • Why Filing for Mat Leave Sucks- haha, oh brother I can’t stop  laughing. Although I’m sure it sucks when you lose a good portion of your income.

Rafflecopter Giveaway<<< CLICK THE LINK Contest Ended

Quote-Budget and Money

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Surprise Christmas Gift

Merry Christmas to all the fans who read and follow Canadian Budget Binder. I know today is supposed to be The Grocery Game Challenge but SURPRISE I’m bumping that post to tomorrow. Actually a few of my posts will be different this week as I have a special post slated for Friday so my blog post picks will be on Thursday.

FREE GIVEAWAY!!

Don’t forget to ENTER the $100 CASH GIVEAWAY that I am co-hosting. Open to USA and Canada or as long as you have PayPal. Giveaway ends on December 28,2012~ Contest is now closed.

I just wanted to take a moment today to thank each and every one of you that reads Canadian Budget Binder. I put a lot of effort into making this a fun, informative environment where we all learn from each other’s successes and defeats.

Canadian Budget Binder will be coming up for its one year anniversary soon and I’m thrilled to see how fast we continue to grow. I really wanted to do something special so if you don’t already know the blog will be going through a re-design for the new year. I want to continue to champion this site to grow and it’s with your help that I can make this happen. If you have any brilliant ideas you want to share with me please email me.

The Budget

With 2013 just around the corner now is the time to start setting financial goals and really take a look at areas you can make changes in your budget. If you are not using a budget and want to 2013 is a great starting point. You can read my budgeting series 1-10 which details how Mrs.CBB and I designed and use our budget. If you haven’t had a chance to read how one fan got her budget back on track because of what she learned here at Canadian Budget Binder take a few minutes to read her amazing story.

The Grocery Budget

If you really want to work on lowering your grocery budget and if I can motivate you to post your grocery shop with us each week I’m doing it now. It’s super easy and you can track your shops all year-long. All of us that post our shops help each other out with suggestions and ways to save whether it be coupons, flyer specials, frugal recipes and more. Join in the grocery game challenge fun starting every Tuesday on the blog. I’ve updated the rules to the grocery game challenge to include some new figures that we wanted to track all year. Have a peak and let me know what you think.

I’ll be spending the next few days with our family and friends but I’ll be checking in to see what you are all up to.

Love and Laughter To All,

Happy Holidays,

Mr.CBB

It's Not About How Much Money You Make It's How You Spend It

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