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 […]

My Neighbour Made Me Richer Over One Beer : The Saturday Weekend Review #156

FINDING RICHES WHERE I NEVER EXPECTED I WOULD…   I’m Richer because my bank account says I’m rich. Don’t expect that to pop up but I can tell you that many of us need to back off the money train and take a look at our lives, from all angles.  How many slices are in your pie? You should know the answer by the time you finish reading this post. Our neighbour went away on vacation with his wife for 2 weeks but since we hadn’t seen them we weren’t aware that they were gone. No big deal as we don’t talk to them everyday nor do we need to know their every move. One day while I was out shoveling in the late evening I noticed that their garage door was wide open and no lights were on. The vehicles were nowhere to be found and instantly I knew something wasn’t right. Since we have the key to their house in case of emergency I went in and locked everything up. They had gone on vacation and left their garage door open as well the man door to anyone who was thirsty to clean them out of house and […]

Magical Things Happened At CBB in 2015 : The Saturday Weekend Review 2016 #153

NEVER A DULL MOMENT WHERE MONEY IS CONCERNED!   Sitting by myself on New Years Day enjoying coffee in the morning to write this final post I realized that I’ve had a magical 2015 year on CBB because of all of you! Thank-you. I’m over the moon excited that Canadian Budget Binder has done so well over the past 4 years and continues to grow not only with subscribers but how the community has come together. I’ve made some amazing online friends whom I’ve never met but we chat quite often about life in general. As CBB moves into the 5th year of life on the world-wide web I’ve realized that personal blogging really is all about the “Personal aspect” and that’s what people want to read about. I’m fortunate that being a frugal living/budget blog that I get quite a few emails from fans who are looking for answers or support from the Canadian Budget Binder community. The Grocery Game Challenge which has been very successful over the years for all the fans who participate is gaining more and more attention. With the prices of food and utilities going up even further in 2016 I’ve had fans email me […]

Couple on the Debt Binge Train to rid of $40,000 : The Saturday Weekend Review #120

THE GIFT OF DEBT FREEDOM   I’m excited to share this amazing journey about a couple who are 18 months away from paying off $40,000 worth of consumer debt. Do you want to know how they are getting rid of their debt? It’s easy…they spend less than they earn and they are budgeting. I hope you weren’t expecting some wild formulas or the easy way out because there are none.   Couple tackling debt   Canadian Budget Binder fans Jen Peacock, 36 and Ken Blowes, 35  from Georgetown, Ontario shared their debt payback story with the world in a video at the The Globe and Mail online. I was humbled to hear how much I had influenced their budgeting journey but as you all know I worked pretty close with the Jen and Ken to help them along because I knew Jen was serious and needed the help. This is probably a Mother’s Day she won’t forget because it’s been an on-going battle with debt where they can now “finally see the light“. Since Jen first chatted with me at CBB she has written “Budgeting with Mr.CBB got us Back on Track” as well as their struggle with infertility. Jen […]

If you won the lottery would you go bankrupt? : The Saturday Weekend Review #91

THE MILLIONAIRE BUDGET   I read an online article about what not to do when you win the lottery which made me wonder why people go bankrupt when money falls in their lap. I know what you are thinking…how does someone who won millions of dollars blow through it all so they go bankrupt? Easy… they don’t manage their money properly. Whether you are a millionaire or not you still have to budget your money. I know some of you might laugh at that but money is money and there is no special budget for rich people either. It’s simple math but people tend to complicate money to the point where they don’t know where all of their money went until it’s too late.   Lottery tickets are a waste of money   Some people may say that spending money on lottery tickets is like throwing money out the window and in one sense I agree but in another you can’t win if you don’t play. My wife and I play the lottery and buy one line with encore of Lotto Max every week. No, there have been no heart-stopping moments checking our lottery tickets but it’s our way of […]

Young adult teaches us about being house poor in 15 minutes

DON’T GET CAUGHT SINKING YOUR SHIP   Being house poor doesn’t necessarily mean that you simply have no money but it can mean that you have too much house you can’t afford. House poor can also mean you have too much stuff, no money and/or piles of consumer debt that you are struggling financially to make ends meet. The term “poor” means so many things to everyone that the only way to describe it from a financial perspective would be lack of money. Some people may not consider themselves poor until starvation kicks in and they have to go to the food bank or when they reach the point of bankruptcy. Others may take on a different view but no matter what poor means to you it’s not a place that people “dream” of.   House poor is not easy living   You might consider yourself house poor when you can’t pay your mortgage which could be for a variety of reasons. There are also plenty of poor people living in the ritzy part of town who are struggling to take control of their financial situation. I think there are many misconceptions of the word poor and the only person […]

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