9 Inspiring Property Search Options When Moving To A New City

DON’T GET LOST IN THE FRUSTRATIONS OF LOOKING FOR A NEW PLACE TO CALL HOME   Whether you’ve just landed a new job or you’re moving for school or personal reasons it’s important to know where to begin your property search. One of the hardest things about moving to a new city is not knowing the area which can be a struggle when your main goal is to find somewhere to live. I was the person who was frustrated even though I was already living in Canada and the city in which we currently reside. Thankfully I had Mrs. CBB to guide me but that still didn’t ease the stress of making the biggest purchase of our life. Although we weren’t sure if we were going to rent an apartment after moving out from our hole in the ground (the cave) after research and running numbers a property search for a house was our best option. You may be looking to rent a room, apartment, condo or buy a house in a new city so I’ve put together a few inspiring search options to get you started. First and foremost visiting the area you are hoping to move to will […]

How We Used The Back Door To Get Ahead Financially : September Net Worth Update (+0.60%)

WE WANTED CHANGE AND WE HAD A CHOICE SO WE DECIDED TO TAKE A CHANCE.   The best use of the letter “C” that I’ve ever made to get ahead in life but it was far from easy. Wouldn’t it be nice to be debt free, financially independent and successful? You’re right it would be like removing a rock from over an ant only to see it still smiling with relief that someone figured out how to save it without crushing him to death. Just because you have a heavy weight sitting on your shoulders that keeps your mind over-thinking day and night doesn’t mean you are defeated and your life is over. It simply means you need to start thinking about taking risks while considering change in your life to get ahead of the money game. It sure would be nice walking through the front door after a lottery win, inheriting big money or graduating from school with a full-scholarship and career offer on the table. Oh, how that would be glorious and for some it is a reality but don’t get your hopes up on dreams unless you follow through to bring them to reality. Since I’ve moved […]

The Ultimate Back To School Savings Guide : The Saturday Weekend Review #187

GET YOUR BACK TO SCHOOL BUDGET READY BECAUSE STORE SHELVES ARE STOCKED AND WAITING FOR YOU!   The back to school promotion campaign for your hard-earned money is on as just about every store in Canada is ready for their biggest sales event during the month of August. I’ve been in and out of the education system over the years and with this experience I’ve come up with some frugal ways to keep back to school expenses low. Just a fair warning but a beverage is essential when reading this post because it’s longer than normal. For those of you who want to stick to a limited school budget it’s worth the read especially for those heading back to class or have kiddos they need to get ready for back to school. Back to School Tip #1 Don’t get a credit card! You don’t need one especially if you’ve worked your butt off all summer and saved your money. All a credit card will do is create debt for you which you don’t need especially if you have student loans to pay back. Stick to personal financial safety and walk away from the credit card. By now you should already […]

grocery game monthly challenge

30 Must-Have Student Food Pantry Staples : The Grocery Game Challenge 2016 #1 Aug 1-7

Create your own student cookbook: University and College Cooking 101   You may or may not be a student but if your child is off to College or University don’t pass on the opportunity for them to spend 10 minutes reading this post about cooking and living independently away from the family home. I’ve been a student in University twice in my life and both times I made sure to have a stocked food pantry to stop me from eating out which is a HUGE waste of money for any student. It’s one thing to be social and another to be lazy in the kitchen if you are able to cook at home. I had many friends who considered themselves the starving student only because most of their student budget went to booze, partying and eating fast food. That’s a sure-fire way to starve your budget and your tummy of nutritious food. What I’ve learned throughout my frugal student years in the kitchen may serve as a handy reminder that you CAN eat decent meals at home and kick the fast-food habits many students take on when they move away for school. First off you need a student budget and […]

Parents ask son to save money after they were homeless and poor

SAVING MONEY IS YOUR CHOICE   If you want to save money then don’t wait until things come crashing down and you need that money, do it now! Being homeless and poor is not something to take lightly because it happens all around us. For those who have survived and experienced this life many go on to motivate others how NOT to land themselves on the streets. Today’s fan question shares some deep secrets about the time his parents found themselves living on the streets with no savings and nowhere to go. It’s either the parents writing to me or their children because for one reason or another money is a big problem. It doesn’t matter whether you are a student or have a high-profile job if you don’t know where your money is going it’s your own fault when you don’t have anything at the end to show for it all. I’m not talking “stuff” either. I’m talking about cash and investments. If you earn money you should have some sort of system to save money and budget or in the least know your expenses and track them.   Life Choices   It seems from my experience with fan […]

I’m ashamed I owe money because I chose to conform

 LIVING IN A PLAY PRETEND COSTS $   No one likes to owe money and there are times that people push the thought of paying back debt to the side until it comes time that the bills are mounting up. I don’t think we purposely set out to create debt but I also think some of us have misconceptions about life and money and how it’s all going to roll out in our favour. Often that’s not the case and the motto “work for your money” or “spend less than you earn” is not as important as it is to be socially compatible with friends. A hefty price to pay for friendship although we fashion a lifestyle that we believe will get us ahead and for some it works but for many it does not. I’ve always been someone who didn’t try to fit in rather I made my fun. I figured that if I needed to make an effort to be someone I’m not I likely shouldn’t be hanging around certain people. Even though one might work hard to bring in an income every month it’s important to allocate that money towards the most important parts of of their […]

Is it wise to stay home and pay off my student debts?

I WANT, I WANT, I WANT   Ah, the student debt fever doesn’t hit until school is done and reality hits the young adults of today. End of the school year 2014 is quickly approaching which means many graduates will be free from their education but not from their student debts. Today’s post is based on a question in the CBB mailbox from a student fan who was looking to me and all of you for some advice on what he/she should do after University because of student debt load. It’s funny how many people when given lump sums of money or money in general will live in the moment especially if they don’t have any savings to back them up. The feeling of happiness that money brings to most people overrides anything that will happen after the fact such as paying it back. I know a friend of ours who year after year gets in a financial bind and has to get a loan from whoever is silly enough to give it to them. In the months leading up to actually finding someone to give them a loan to pay off their debt they are miserable, have no money […]

Living on a budget is for losers

There Are No Winners And No Losers Just Champions   I really don’t like using the word “loser” as it is such a negative word and it doesn’t invite motivation to anyone who thinks it. If you think living on a budget is for losers I can’t help you because you are the only one that can help yourself. If you use a budget I’m sure that you’ve had people who have asked you to hang out, go on holidays, travel, dinner etc. but you can’t because you simply can’t afford to it. We have and we politely decline. Some of our friends cringe when we tell them we use a budget but we do the exact same when we hear that they don’t manage their money at all. They earn, they spend then they deal. Earn>Spend>Deal… that’s not for us.  While at a medical appointment with my wife last month I decided to pick the brain of the staff member (I’ll call her Cindy) working on my wife about her thoughts on life as a young adult and finances, only because I’m nosey that way. I had asked her in the quiet moments of her conducting a medical procedure […]