Building Wealth Starts When You Stop Making Poor Financial Decisions

You Don’t Need To Be Embarrassed By The Way You Manage Your Money If You Do It Right.   Building wealth seems to be the target for just about everyone unless you don’t mind struggling for money to pay the bills and retire comfortably. At least once a week I get an email from a fan who tells me they are tired of being broke, have lots of debt and want to start building wealth now rather than later. Not only is that a smart idea it’s the beginning of a journey back to square one where you get to clean your financial slate and do it right. Are you embarrassed by the personal finance decisions that you are making? You should be if you’re making simple mistakes that are causing you to spend more money than you should be especially when you have technology at your finger-tips. Rate comparison for everything is available to us but when it comes to financial rate comparison it takes a back seat to everything else. Related: Stop blaming the government for all of your debt problems. Not having money and surviving on a low-income or struggling with a high debt-ratio can be embarrassing […]

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 […]

grocery game monthly challenge

The Best Canadian Grocery Stores To Shop At : The Grocery Game Challenge 2016 #2 Mar 14-20

THE TOP GROCERY STORES IN CANADA ARE IN YOUR NEIGHBOURHOOD   There are so many Canadian Grocery Stores that it can get a bit confusing trying to figure out where to shop to get quality products while saving money to stretch those grocery dollars. Then there are shoppers who don’t care about saving money because they are committed to shopping at one grocery store even if they have to pay more money for products they can pay less for somewhere else. Related: Are you a grocery store snob? When I first moved to Canada 8 years ago I had no idea about Canadian Grocery Stores let alone where to begin shopping. Grocery store prices differ from shop to shop and with that comes differences in product quality and availability. Depending on where you live in Canada you may be blessed with local markets like the St. Lawrence Market in Toronto or St. Jacobs Farmers Market in St. Jacobs. Just about every nationality has a market/shop that sells products from the homeland especially in Toronto which is great to buy hard to find products for new recipes. Related: How to enjoy Gourmet Food on A Tight Budget Outside any city you […]

grocery game monthly challenge

The 5 Most Important Food Shopping Features In A Store: The Grocery Game Challenge #1 Nov 3-9, 2014

FOOD SHOPPING IN YOUR WORLD   I’m sure if I asked you about where to buy food in your city you could come up with a list of grocery stores where you do your weekly food shopping or maybe just one that is above the rest. The problem is not every store is created equally starting from the family owned grocer to grocery store chains. This makes food shopping tricky for those that search out foods that meet or exceed their expectations but there’s more to the food when shopping that appeals to people. Unless you buy your groceries online or get groceries delivered there must be something about that hidden environment you don’t see that is important to you. Do you wonder how and where the products you buy are stored? You can’t see that when you do the above but it might be important to you.   Food Shopping Experiences   We met up with some friends tonight and the topic of grocery shopping came up and no I didn’t bring it up. They mentioned how dead Target was every time they went in and how less than happy they were with shopping at Wal-mart. The Wal-mart is […]

What type of bank should you stash your cash in?

MAKE AN INFORMED BANKING DECISION   Deciding where to open a bank account, invest your money or apply for a mortgage can be an overwhelming process with more than the traditional banking options available. While the Big 5 banks in Canada are a common option for many, depending on your situation you may find that other financial institutions may be a better fit for your banking needs.   Assess your needs   What are you setting out to do? Are you a new business owner, looking to invest, applying for a mortgage, opening a savings account or are you just looking for day-to-day banking? Decide what banking options are most important to you. Before you start out on your search make notes as to what is most important to you when it comes to your banking needs. This will help to ensure that you will make the best decision that you will continue to be happy with. Some major factors to consider are the availability and quality of customer services, accessibility to your money, convenience and the fees associated with your banking.   Traditional banks   The Big 5 banks in Canada include Royal Bank of Canada, Toronto-Dominion, Bank of […]

Canadian Credit Cards Can Provide Some Great Perks! What’s your cup of Tea?

Is there any mystery as to why some people were not meant to own a credit card? When I talk to most people about debt they tell me that it’s the fault of the credit card they carry in tucked in their wallet. They fail to recognize that the card isn’t doing the shopping, it’s them. It’s reality that a credit card is sometimes a necessity to book a hotel, rent a car  or use paypal and other on-line frequencies. If you don’t have one the consumer hears , you are not privy to use our services or we don’t know if we can trust you.  It’s like a gold ticket for these retailers, you mess up, they have your number. If you credit score isn’t up to snuff you might find yourself  lagging your mates who are able to capitalize on all the perks a credit can offer. What is a Credit Score? According to Industry Canada a credit score is a judgement about your financial health at a specific point in time. You can check your credit score for free once per year.  You are rated on a scale of 1-9 where a 1 means you pay your bills within 30 days […]

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