20 Garage Sale Tools You’ll Need To Attract Buyers

SELLING YOUR STUFF IS COMPARABLE TO RUNNING A BUSINESS- EITHER YOU WANT TO MAKE MONEY OR YOU DON’T.   Local garage sales for 2017 are slowly popping up as Spring has finally arrived but you’ll find the end of May into June, July and August the biggest garage sale months of the year. Typically garage sales kick-off on the Victoria Day long weekend at the end of May when most people poke their heads out from inside closed doors. It’s as if it’s safe to come outside. For those eager sale seekers there are people who host a garage sale as soon as the birds start chirping at the end of March. Spring cleaning is in full-swing with windows opened to let the fresh air circulate through the musty wintered house. This is also the time homeowners and renters realize they have far too much stuff. Mrs. CBB and I decided that this summer we were going to hold our first CBB garage sale and get rid of stuff once and for all. I’m a firm believer that any time I’m out to make/save money that I treat whatever I’m doing like it’s a business. A garage sale is a […]

6 Simple Ideas To Generate Cash Money When You’re Broke

THERE’S ALWAYS A WAY TO EARN CASH MONEY PROVIDED YOU’RE READY FOR A CHALLENGE   There are some ways to make cash money when you’re broke but don’t expect to be rolling in the cash without some hard work. With Spring around the corner there will be more opportunities to make cash money rather than shovelling snow and praying you win TV Bingo. Wishing on a star is the worst way to earn cash money because you’re risking losing money you already don’t have to spend.   Cashing out the Cash Money   The first thing someone does when they are broke is find every possible source of cash money then could have. A friend of ours who was strapped for cash went as far cash in her RRSP’s so she could pay off debt. I don’t recommend going this route if you don’t have to however depending on a few factors such as age such as this might be an option. If you are under 30 you’ll have a far better chance of getting back into the investing game with many years to accumulate as opposed to being close to retirement age. Staring at your bank account on the […]

grocery game monthly challenge

4 Costly Kitchen Distractions To Avoid While Cooking : The Grocery Game Challenge 2016 #5 Oct 31-Nov 6

KITCHEN SAFETY AND EXPENSES BEGINS WITH LIMITING DISTRACTIONS   You might think what I’m about to say is NOT a big deal until something happens to you or even worse someone you love. Both mental and physical distractions while cooking can produce a ruined meal, injury, death or damage to your house or apartment. Don’t turn your kitchen into an episode of Kitchen Nightmares. It’s so easy to get caught up in everyday life that when we get home it’s tough to turn off from the work day. How we choose to try and do that may affect the way we prepare meals in the kitchen and potentially your wallet depending on the outcome. You or someone else could lose a life You or someone else could get injured You burn and ruin your meal You cause a fire What are distractions? Distractions are anything that takes your eyes and mind off the task(s) at hand. Related: Should I get tenants insurance? You may be one of those people who are able to multi-task and do it all but when I’m in the kitchen I like to think I’m on the job. Imagine you were a chef in a restaurant […]

Change Your Financial Behaviour From Zoom To Panoramic View : The Saturday Weekend Review #163

LET YOUR MIND TAKE THE WHEEL   Changing your financial behaviour to take on a frugal perspective is the first motivational step to help you to achieve your money goals and become rich with freedom from debt. If your financial behaviour consists of creating debt and losing sleep over how you will pay for it then you need a wake-up call and you need it now. Do yourself a favour and wash your face with cold water and look at yourself in the mirror and say, “Today is going to be the day I change the way I view money” and don’t look back. Just as a photographer may pan out to showcase an entire landscape it’s important to view your finances from this perspective. Simply zooming in on one aspect of your debt hoping things will change for the better is not the only solution. Look at your financial house from all angles to successfully carry out a debt reduction plan and build the wealth you dream of. Too many people these days think that money grows on trees with low interest rates enticing us to shop. With the availability of credit it’s easy to get into a vicious […]

The High Costs of Newborn Photos and Birth Videos

MONEY WELL SPENT   I guess you could say I’m a pretty frugal person most of the time. I don’t like to spend money on new cars, expensive meals out, or lifestyle inflation. But, when it comes to spending money on experiences, making memories, or my boy-girl twins (the beans) I’m willing to make bigger investments here and there. To me, making memories with my family and taking care of the beans are the most important things in my life. This is how I choose to spend my money – not on “stuff” but on memories. With that said, when I got pregnant last year, I knew that I wanted the full experience of newborn photos and possibly even a birth video. I also knew that these things would not come cheap at all. In fact, paying for professional photography and videography is often one of the largest and most under-budgeted expenses for life events, like weddings and births.   Newborn Photos and Video Costs   When I began looking for a newborn photographer, it was very tempting for me to try to be frugal about it. I wanted to get photos taken, but I didn’t want to spend the […]

Does having debt mean you have too much money fun?

FUN MONEY STILL COSTS YOU   Having fun and having debt is no laughing matter but not everyone sees debt through my eyes. Sometimes debt is just a piece of paper that comes in the mail for someone who says oh look it’s gone up again and heads out for a night on the town. My theory is you need to earn money before you can play the cash out game depending on what you are spending it on though. Keep in mind not all debt happens because of having fun. Debt for some might mean they go to the grave owing people money and they don’t have a care in the world. Those are the people who live in that financial la la land that I talked about earlier. Learning about money saving habits and paying off debt first is not easy for some people and for others it’s a no-brainer. My friend at My Money Design talks about why it is important to save money and now and when he says “because things will happen” he’s nailed it. Not only do things happen most of us will continually want more stuff over the course of our lives and […]

Not everything online is free for the taking: PF Weekly Grab a brew #59

ASK BEFORE YOU TAKE   Be careful what you post online because someone might just think they can use it for free. In fact, it’s true many people do share information online but fail to credit the original owner. Granted, mistakes happen. Could you imagine pouring your heart and soul into a work of art or a hobby of yours online only to have someone take it and use it to make a profit? They are making money… yes dollars off of your skill. I read somewhere once that if you have a skill and are good at it don’t do it for free. What happens if someone just takes it though? You go after them, that’s what you do. Is it worth it to you though? That’s your decision. So why is it ok that someone thinks they can take something that a skilled person created and posted online and use it to make money for themselves? Greed? Maybe.   Protect your stuff   It happens all the time and it’s why I always suggest to try to protect any work that you put online so you have proof that you are the original owner of that work. The […]

How to save money whilst doing your hobbies

DO WHAT YOU LOVE AND THE REST WILL COME   We all know how expensive hobbies can be. Shelling out for that new pair of running shoes, or extra flying lessons for those a little more adventurous can leave serious holes in our pockets. The thought of giving it up simply doesn’t cross our mind. In the day-to-day stresses of life hobbies are becoming an important aspect of keeping us fit, healthy and stress free. They offer a relief and change of mind-set from our everyday lives so giving them up due to financial constraints can often leave us feeling down. But, why should you give them up? There are plenty of ways to save money while still continuing to do the things you love and in some cases you can also make a nice profit yourself. Of course people spend vastly different amounts on their hobbies every year. A woman hugely passionate about skiing is almost guaranteed to spend a lot more than a man who enjoys sitting by the fire and playing guitar but whatever your interest you could save yourself a small fortune. Gardening for example is a particular favourite for people across the globe. But even a simple […]