Waiting For A Living Wage To Start Budgeting Is A Bad Idea: The Saturday Weekend Review #252

MONEY IS YOUR BOX AND A BUDGET IS YOUR KEY TO FINANCIAL FREEDOM   Understanding the difference between a living wage and minimum wage is just as important as knowing your financial numbers from start to finish. Just the other day on Facebook I was reading through the comments after a sponsored post by a popular budgeting app popped up on my screen advertising their service. I suppose reading what others think about budgeting is important to me since this blog revolves around budgeting and frugal living topics. Two of the most important comments I wanted to talk about today which I read stuck in my head because I wanted to speak up and tell them, don’t wait for a living wage to budget, do it now. I’m not budgeting until I have a living wage Why should I pay to use a budget when I’m broke Your debt costs more than you think once you factor in all the interest calculated over the term of paying it back. In fact reading the bottom of your credit card statement might just shock you when you see how long it would take to pay off whatever you charged. Go have a […]

You Won’t Believe The Year CBB Had In 2017 : The Saturday Weekend Review #246

THE GOOD, THE BAD AND THE UGLY SIDE TO OUR BLOGGING JOURNEY   I’m not sure if magical is the term I’d like to describe 2017 for Canadian Budget Binder like it was in 2015-2016 but I will say it was challenging and we conquered it. We may not have reached all of our blogging, personal and financial goals but there was no way in hell we were going to give up, and we didn’t. There is no good, bad or ugly to CBB rather we tend to view it as opportunity to do better, learn from our mistakes and take on new challenges. I’ve grown so much as a blogger over the years and the most important thing I’ve gained is a reminder that this blog is MY opinion. I don’t get bothered as much when people say what they want to say like I used to. You can take it, or leave it. Isn’t this the way we should look at most things in life? If it adds value stick around but if you’re not willing to change your financial situation or don’t care then leave it. One of the coolest things we did in 2017 was take […]

The Magical Moments Looking Back On CBB 2016: The Saturday Weekend Review #203

IF YOU’RE READING THIS RIGHT NOW, THANK-YOU FOR YOUR SUPPORT THIS YEAR.   You might not think that frugal and finance belong next to each other but when you have control over your money situation with a plan things start to ease up. Money pressures don’t have to rule your life but to change that awful feeling you must endure some of the toughest decisions you may ever have to make. This past year I’ve been fortunate to chat with many fans of this blog about their financial situations, answered questions and offered  tips. I even went as far to spend hours creating budgets for those that did not understand even when I had no time to spare. I care. In 2016 I was honoured to be featured a few times over at The Globe and Mail, The Brighter Life and Rockstar Finance. My posts have been showcased all over the personal finance world by bloggers sharing and you the fans spreading the word. I thank you for that support. How to curb holiday debt hangover– The Brighter Life/Sun Life Canada – January 4, 2016 How to include Fresh Produce in your diet when prices are high– The Globe and […]

The Dollar Store Should Be Called The Dollars Store : The Saturday Weekend Review #166

ONE PRICE DOES NOT FIT ALL: DOLLAR STORE ITEMS ARE GOING UP IN PRICE   It’s easier for consumers to justify spending a dollar on a product but what happens when that same products is now double or triple the price? The everything for a dollar store is now dead and has been for a while but now prices are slated to go up again at Dollarama. Low-income earners are not the only customers that frequent dollar stores to stock up on a variety of products for less. Just about every wallet and bank account finds something they need at the dollar store. Why spend more money than you have to if you can find it cheaper? That’s the way the wife and I have thought over the years as customers to many dollar stores. Almost every store you go into today has some sort of dollar section where they try to compete with dollar stores around Canada. It makes sense because if they can fool all of us into one-stop shopping then they have control over the market which can be bleak at times. There isn’t any money to spend for consumers so less is best yet we all […]

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