How I Changed My Life- I Won The Debt, Divorce, Drugs and Drinking Jackpot!

I won the debt, divorce, drinking and drugs jackpot because I wanted to take back what I gave away, me. My name is Cindy and in 2008, I decided to change my life and today I’m going to share with you my most compelling years in hopes of motivating others who believe there is no way out. I went from a single mom of 2 boys with a drug and alcohol addiction with no job and $10,000 in debt to debt free in less than 5 years. How I Changed My Life It all started when I was in a toxic relationship while living in the Southern United States. I quickly became addicted to alcohol and prescription drugs and driven into a life that seemed like it had no end in sight. We had every earthly possession that two people could want and a thriving real estate business, but it was never enough. We were toxic for each other. I didn’t have the strength or self-esteem to break away. He told me over and over I would never make it on my own. I felt trapped yet I kept telling myself I need to change my life. I needed a quick escape of the life […]

Saturday Weekend Review #14- Credit Card Surcharges, Would You Pay Them?

  Paying to use our credit card each time we swiped it would certainly make the choice of not using it easy for us. A recent conversation with a local pizzeria owner we frequent shared with us that it does cost him money when customers use a credit card. If we ever order a pizza now we pay in cash because we kinda feel bad about it, but not sure if he meant to make us feel that way or we feel sorry for him. He does make a good pizza for a reasonable price though. Canadian businesses are charged fees from 1.5 to more than 3%  of each purchase put on a MasterCard and Visa credit card. Best of it is, if you are using a premium credit card merchants have to pay more. The transaction charges imposed are per the anti-competitive rules set out by the competition bureau of Canada. Would you not say that this is just part of the cost of doing business?  We have seen signs at shops that say “Cash Only” or “Debit and Credit Card Machine” down in our days but tend to stay away. In Canada merchants can ask the customer to pay a surcharge […]

PF Weekly Reading List #12- Canada Budget 2013, CBB vs RFI (Guacamole)

  My morning consisted of a hot cup of coffee (OK 3) and a read of the Canada Budget 2013 that was released Thursday. It’s quite long but I picked out a couple of bits to chat about today. After reading through it I found this quote from Minister of Finance Jim Flaherty,“We will remain focused on what matters to Canadians—jobs and economic growth, and ensuring Canada’s economic advantage today will translate into the long-term prosperity of tomorrow”  motivational from my perspective as permanent resident. Returning to a balanced budget seems optimistic throughout the budget plan with the deficit projected to drop each year and the government hoping to balance by 2015-2016 which they believe will strengthen Canada’s fiscal advantage. When I read this budget update these key words stood out- promote, extend, provide, enhance, build, help, improve, continue, invest, create, support, connect, opportunities, action, increase, invest, renew, introduce and initiative, all words that I believe create a unity or air of optimism. As we all know when creating a budget anything can happen so I’m sure many Canadians will be following this closely to see how well we stay true to this budget and how it unfolds over time. I believe a […]

Dumpster Diving~The Top 5 Rules For Finding The Good Free Stuff!

Photo Credit: thephotoholic/freedigitalphotos.net Guest Post: Karen Dumpster Diving You know there are a lot of negative connotations with dumpster diving and I know I definitely always had issues with this myself. As I’ve gotten older and as the US economy has gotten tougher I have learned to be more resourceful of course not only that but my husband has pleasantly surprised me over time with some amazing dumpster finds. This is a regular feature on my blog Lil’ Suburban Homestead’s site that we share our latest dumpster diving finds and it has become popular.  I mean, Who Doesn’t Like Free? It’s Pickin Time! I will admit we even had our own family members in somewhat disbelief of the great finds we have found until they have been out with us when it has happened. I am not going to claim to be the dumpster diving diva although I do know how to dive. While I love to join in on dumpster diving adventures I am often not as mobile because of my job.  I work for the school system in Coastal North Carolina so I’m trapped in a building all day long. It’s my husband who finds the good dumpster diving […]

Emigrating to Canada ~ Should I Rent Out My House

Canada seems to be a popular destination for UK citizens looking to start a new, more fulfilling life. Over the past few years I’ve known 3 or 4 different couples who’ve taken the plunge and made the tough decision to leave their life in the UK behind and start a new one living in Canada. As a former mortgage advisor some of those friends have questioned me regarding the biggest dilemma they face as they organize the big move to Canada, ‘What Should I Do With My House?’ Should I sell or rent out my house? If you’re a homeowner the decision of whether to sell or rent out your house has likely been plaguing you as you progress toward emigrating. In this article we’ll take a closer look at the option of renting and hopefully it will help you decide if becoming a landlord is the right option for you. Emigrating Is No Ordinary Move As you’re going to be moving to the other side of the world to live in Canada, renting out your home becomes more complicated than it would ordinarily be. Unless you can arrange for a family member to regularly check on your property, you will likely have to […]

grocery game monthly challenge

The Grocery Game Challenge Dec 31-Jan 6 #1~Happy New Year 2013

Happy New Year’s to all my fans here at Canadian Budget Binder. The Grocery Game Challenge has been amazing this past year and I know 2013 will be even better. We have had fans from Canada and the USA post their grocery shops weekly and we are growing each month with more people who want to stick to their grocery budget. If you are looking for ways on how to save money post your shop in the grocery game each week. I often have people email me to ask me “How much should my grocery budget be?” but the question should be “How much can I afford?” to spend in the budget.  I can’t tell you the amount of people who are looking for magic numbers telling them what they need to spend on groceries every month. I’ll tell you all loud and clear you are the one holding the answer to your question. No one on the internet can tell you what to spend. Once you figure out your monthly budget using your net income the numbers should fall into place. Balancing the budget is the only way you will know how much to spend and besides there may be […]

Capitalize on Boxing Day Deals in Canada

Boxing Day in Canada is most commonly viewed as a day of fighting through hoards of shoppers beginning in the early hours of the morning. Boxing Day is the day immediately following Christmas during which huge numbers of people will line up for hours outside of stores in the hopes of scoring the best deals. Happening yearly on December 26th, it’s the kind of holiday that people partake in without actually knowing why they’re celebrating it or even when it started. It’s also the time of year during which scores of naysayers argue that boxing day sales aren’t as rock-bottom as they would expect, but the main thing that needs to be understood is that older models and items will be heavily discounted, while a brand new TV that came out this year will unlikely be. The Meaning of Boxing Day and it’s History Though it’s unclear how Boxing Day truly originated, a few historical facts (or perhaps passed-down rumours that were never true to begin with) stand out: On the day following Christmas, wealthy masters of the household would hand servants gifts inside of a wooden or clay container as a kind of token of appreciation for the year, and more specifically for […]

Mr.CBB’s Blog Post Picks- Dec 21,2012- Christmas, Immigration and Miss Universe

Mr.CBB’s Top Blog Post Picks of the Week Well the countdown to Christmas is on and we are ready to drink up and eat until we no longer can look at food. No, we really don’t eat that much but we sure do indulge as it’s the one time of year we can eat foods that we don’t normally have in the house. Don’t worry I won’t bore you with all that end of the world crap you are reading today. Rather let’s focus on the what we DO know. As we move forward towards the end of 2012 we remember all the losses and all the victories we have had in this world. Keep them close to your heart and always remember them. Miss.Universe Crown comes home to the USA yesterday to American Olivia Culpo. I’m not sure how I feel about these pageants as I clearly don’t watch them nor do any other men I know. I sometimes wonder if it truly is to motivate women to be the best they can be and never give up. What are your feelings about these pageants and are they a good idea? I don’t know if there’s a men’s pageant but if […]