Bounced cheque for Girl Guide cookies not so sweet: The Saturday Weekend Review #62

cookies and milkSTICK TO CASH FOR COOKIES

 

Think twice if you thought bouncing a cheque was a great way to get what you want now and pay for later, even if it’s for Girl Guide cookies.

Some people do play dirty and know they have no money in the bank and use a cheque as if it was a credit card.

The sad reality is no matter if it’s a cheque or a credit card the interest or fees will mount and continue to grow until you pay for your debts.

You also don’t leave a very pretty trail on your credit report either if you are bouncing cheques or not paying off loans that you promised.

I bet after reading this story you will think this guy will start baking his own homemade cookies (try my cowboy quickies) instead of going through this again.

 

Girl Guide Cookies

 

This morning I had a bit of a laugh at a story I read about on Yahoo about a guy who apparently has a bounced cheque for Girl Guide cookies. You know those famous cookies which everyone loves. You can buy Girl Guide cookies in the USA and in Canada and they sell like hot cakes apparently.

Well, it may not come as a surprise when I tell you I still haven’t tried Girl Guide cookies but if I do you can bet I’ll pay cash. A Colorado man who bought $42 worth of cookies which seems like lots to me paid and for the sweet treats by cheque.

 

Bounced cheque

 

Girl Guide Cookies paid with chequeNot many people use cheques these days that I’m aware of except for maybe rent and other odds and sods.

My understanding is that if you bounce a cheque in Canada you may have to pay a Non-sufficient funds (NSF) fee to the place you purchased the items from as their bank likely charged them plus your own bank will charge you for bouncing a cheque.

Oh, yes the items will get pricey in the end so I hope it was worth it to you.

I guess we can consider Girl Guide cookies the small stuff that people still use cheques for. Personally I only ever use a cheque if it is requested of me other than that I use my credit card, debit card or cold hard cash.

When the Girl Guides went to cash this cheque for the cookies it quickly was returned as a bounced cheque. Oh oh, everyone’s worst nightmare.

It shouldn’t be though if we are managing our finances properly although accidents do happen. People should know exactly what is in their bank account and track the incoming income and expenses so they know what they can and can’t do.

This reminds me about a conversation I had with someone who told me they didn’t need to budget because they did it all in their heads. Well, good luck with that.

It didn’t work out so well for this man who after $450 in legal fees and a $100 to file a response he now owes $739.85 for these Girl Guide cookies.

Can you see where I’m going with this. Many people want stuff now but don’t have the means to pay for it. If you are living pay to pay you have to be even more diligent with your finances because one slip could mean not buying groceries or paying for a bounced cheque or late fees.

The same goes for those who make lots of money but spend it like water. You’re not safe no matter how much income you earn. Look at all these celebrities who are going broke or the tax man is chasing after them. There is no easy way around finances unless you track your money, full-stop.

Some people manipulate their own minds into buying something telling themselves they will have the money or they will juggle money to make it work so they can own something that they simply can’t afford.

These are the people who will never get ahead in life because they live a financial lie or roller coaster. It has nothing to do with how much money you earn it’s how your spending it.

I’ve said it time and time again so listening to people say they can’t afford something when they own smart phones, cable or live in a city where the cost of living is so high that the income they do have won’t cover an apartment blinds me sometimes.

We all have our own situations but unfortunately if we have to rent a room and not an apartment than so be it. If we aren’t earning the money for whatever reason and there are plenty of reasons than compromise has to happen. There will always be those exceptional situations though.

 

Prove it

 

Now this guy says he can prove that his bank had adequate money to cover the cheque and that the Girl Guide cookies bank has made an error. What I don’t get is how long is it taking to figure this out?

It really seems like a silly situation that didn’t need to make headlines and now I’m covering it because I need to share with you how something so small can turn into something so big.

It’s not that difficult to do, or is it? I would call up my bank tell them about the cheque I wrote to the Girl Guides where their bank said had bounced. I would question why this happened or if it even was processed on my banks end when clearly I have the money in the bank.

I think it should be up to the bank institutions to sort out if this guy does have the money in the bank because one of them made the mistake. They should be paying all the bounced cheque fees for these cookies so this guy can go sit in a corner with a tall glass of milk, his Girl Guide cookies and celebrate.

Now if he is feeding them a line well it won’t be that hard to track in the banking system (at least we should hope with today’s technology) either he has money or he doesn’t. The morale of this story is pay cash or debit for small stuff unless you can pay off credit cards if you use them for rewards points.

If you use a cheque make sure you have the correct amount of funds available and at least track your finances so you know what’s going on and there’s no guessing.

If you are being told that your cheque bounced get on the situation asap and demand to speak to the highest person you can at your bank to solve the problem fast.

If you really did have the money there you won’t back down. This guy is waiting to go to court now over a bounced cheque for Girl Guide cookies.

Yes, I think it’s a waste of money and time for something that should or could be solved without this drawn out process. I’m sure if he is found guilty of not having funds in the bank when the cheque bounced he has to pay the final price.

If in fact the Girl Guides bank caused the error I hope they apologize to this guy for putting him through this stress of a bounced cheque and time wasted to solve the problem. To be even nicer they could at least throw in the Girl Guide cookies for free. ;-)

Do you still use cheques?

Why do you think cheques bounce?

What would you have done if you were told your cheque bounced but you knew the money was in the bank?

 

Weekly CBB posts

 

If you missed any CBB posts from the week here is the list of posts you can catch up on reading!

 

CBB at home and the blog

 

I wish I had some exciting news for you but to be honest not much has been going on here. I’ve been working quite a bit and trying to keep the fort going. I have got out to visit a few surrounding areas to take photos of nature, waterfalls and snow of course but that’s about it.

I’m expecting the next month of so to get even busier for me with the start of Spring just around the corner and all of the renovations I need to get done in and around this house.

March is also coming to an end which means I need to get my butt in gear and deal with paying off this mortgage in full. I’ll talk more about that next week in our net worth update for February.

Other than that, let’s just hope the snow continues to melt and that we don’t have any more surprise snowfalls to add to what we are losing. It’s been beautiful outside the past few days and I hope the sunshine plans on sticking around.

Don’t forget to Spring ahead with your clocks this weekend!

 

Fan deals and inspirations

 

Facebook Auction Sales Jen March 8 2014

Submit your Brag or Inspiration If you have a brag that you want me to share email me at canadianbudgetbinder (@) [yahoo] [.ca] or fill out my contact form by Friday each week to have your brag considered for the Saturday post.

This week Jen Peacock shares her scores from selling items that she no longer uses around the house in a Facebook Auction.

Hi Mr.CBB,

When my parents return home from Florida in April my dad says he will start on finishing our basement so we need to start cleaning it out. We started to sort through it and decided to list what we don’t want/need on a local Facebook auction group.

Here is how we made out:

  • Cupboard with frosted doors $32
  • Buckley’s lozenges $1.25
  • White shelves $10
  • Baby gate $10
  • Pillows (memory foam) $30
  • Coca Cola Calculator $12
  • Hall table $34
  • Baby clothes $32
  • Stuffing $3
Total Made: $164.25

Just from getting rid of stuff I had sitting in my basement. I started all of my auctions low and just sat back and watched. People end up getting caught up in the moment and bid like crazy. I ended up getting more money for all of the items then what I originally paid for them.

It was a good week because I also made some extra cash by returning beer bottles found at my parents house from a party my younger sister had. Returning the beer bottles made me a whopping $32.50 from out of nowhere.

I also received a Checkout 51 cheque for $52.51.

What is Checkout 51? Read all about it here and join today to save money like Jen does every week!

In one week I made my family $249.26 extra income!

 

Making a difference

 

the four hour work day logo

 

I’m Mr. 4HWD, I started The Four Hour Work Day site because I believe it’s possible to work less, save more and still achieve financial freedom. There’s no way I’m going to work 8 hours a day in a cubicle for the rest of my life.  That just sounds way too depressing.

I’ve worked in the corporate environment for a while and I’ve also worked for myself and I choose the latter.  Finding a hobby that can turn into a viable business isn’t something to be taken lightly though.

Being an entrepreneur is a lot harder and a lot more work than working a day job.  But the rewards are beyond anything you’ll ever get grinding it out in a cubicle all day.

I like seeing a correlation between how hard I work and how much money I make.  And the flexibility that working for yourself provides is one of the number one reasons why people like starting their own businesses.

 My site aims to help find you a job that lets you work less but be more efficient in the hours that you do work.  Most of us don’t actually work for 8 hours straight so why sit in the office for that whole time?

 

What is a blog carnival?

 

Some fans have asked me “what is a blog carnival?” so a little explanation is due here for anyone reading for the first time or for my long-time fans.

A blog carnival is where a blog or website hosts what we call a carnival of blog posts from around the web. Most blog carnivals have a theme and certain rules for submitting which must be followed.

If you are a blogger and would like to learn what blog carnival directories I submit to each week you can find the information in a previous Saturday Weekend Review post that I wrote.

 

Carnival glory

 

A big thanks to these pages for accepting my blog posts and sharing them in the following carnivals and/or sharing my blog posts with their fans.

Carnivals

Blog Mentions

 

Google search terms

 

Google-web-search-terms

Every week I get thousands of people visit Canadian Budget Binder because they did a search online and found my blog. Keep in mind any spelling errors below are because I share with you the exact way they typed their search engine query to land on my blog.

Here are a few of my favorite searches that may have even brought you here and you’re reading this, right now.

  • Should landlord discount rent for a frozen toilet: I’d be more inclined to get the problem fixed rather than trying to find a way to get cheaper rent. Sorry it doesn’t work that way.
  • I  luv you ma wife hava a nise Saturday- Ha, sounds like someone trying to find a quote for his wife.
  • Preet Banerjee girlfriend: Ha, wrong website. Sounds like Preet is a sought after man ;-)
  • Best things to steal from stores- Ummmm NOTHING.. omg really someone searched this!!
  • Millionaire Budget- Nope, not this blog yet.

 

That’s all for this week’s edition of The Saturday Weekend Review #62. Have a great week and catch me here again next Saturday with more updates.

-Mr.CBB

 

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 Photo Credit:freedigitalphotos.net/ Stuart Miles and Pixomar

How to lose your job with one dumb move: The Saturday weekend review #60

chocolate bar snack on the jobHANDS OFF MY CHOCOLATE

 

Most people don’t know what to do when they lose their job because it’s a stressful time when you get handed that pink slip.

What happens though when you lose your job because of one dumb move that you made?

I’ve heard of food cravings and obsessions with certain types of beverages such as our caffeine buddies coffee and pop and the occasional pick me up in a can but not like this one.

Normally when I read Yahoo stories I’m either laughing, crying, or shaking my head at some of the dumb things people do. In this case I was both laughing and shaking my head.

Typically most people take their problems at home to work. They carry the burden of whatever is bothering them everywhere they go and even the best people struggle to hide their emotions.

Other people are straight out strange the way they decide to execute an idea like this guy I read about this morning.

I’m not sure where his head was at but clearly going to his Human Resources department or management team was not on the top of his list.

Most people don’t like to ask for help and that includes us guys because we are too full of pride to ask.

We’d rather take the situation under control even if we have to read a book to figure it out, search the internet or get lost to find our way.

 

Give me my chocolate

 

So I’ll just give you a brief breakdown of how Robert McKevitt of Spring Lake, Iowa was able to lose his job with one dumb move.

I’m pretty sure if someone filmed this it would end up on America’s dumbest employees if there was an actual television show.

Not to say dumb stuff like this doesn’t happen in other places around the world most if it doesn’t make the headlines like this guy did.

 

How to lose your job

 

Since many of us struggle to even find a job this guy must have thought that whatever he did at work had no consequences.

It didn’t take him long to realize that he’d be waiting in the unemployment line simply because he lacked the patience and common sense to sort out a matter in a calm, safe manner.

I’m guessing its break time and buddy has a hankering for a Twix chocolate bar. He heads to the vending machine to insert his money and down tumbles his Twix bar right onto that darn spiral and gets caught.

It’s happened to just about anyone who has tinkered with using a vending machine. The most logical thing to do is put more money in to have the second bar smack the first bar and they both tumble-down. It works in most cases but not for this chocolate hungry guy.

This must have fired him up pretty good because he took the next logical step (in his head) and that is to shake the machine.

On the odd occasion you might see someone try to stick their hand up the machine in which they are successful although this is not safe as is shaking the machine. If the machine falls over it could seriously cause an injury and even death. That didn’t seem to register to Twix man.

Since the shaking of the machine didn’t work he put on his ‘I’m an idiot cap’ and decided to get his fork lift to help him rescue his Twix bar, because that’s the common sense thing to do. So he picks up the vending machine and smacks it down not once but six times on the concrete floor.

He says he wanted to return the machine to its original spot since he shook it so hard. Ya, right, things that make you go hmm.

Could you imagine just being there to witness this going down? I wouldn’t know whether to laugh or cry. Nothing exciting like this ever happens in my presence but for some people around the world they get to see an idiot in action every day.

Yes he lost his job with this one dumb move and I’m sure he’ll think twice the next time he has a chocolate craving he can’t control. Here we thought it was just the ladies that went nuts for chocolate, gone is that theory.

I hope he didn’t have a wife and kids to go home to and share the news of how his actions put him on the chopping block.

Plus if you missed earlier this week a Pizza Hut employee in West Virgina was caught on surveillance camera urinating in the sink. Seriously?? What moron would put others health at risk by doing that in an eating establishment? How much effort was it to go to the bathroom?

Sure he lost his job and with good reason but makes you wonder what happens behind the scenes when eating out. It’s stories like this that make the headlines which make you wonder why people put their jobs at risk for something so silly that could be avoided.

If someone feels that they are being paid less than they are worth or is having troubles at work it is no reason to do things that are plain wrong.

The fact remains that some people take things to levels in such a way that we have to be serious about how we get to know our employees.

When we put our lives and those at others at risk for stupidity it’s a big problem. We need to think with our heads before we take action whether it’s on the job, at home or on the roads.

Whether the Twix man had some sort of “problem” would have been up to human resources to decide.

I don’t know the ins and outs of the American employment policy system but in Canada this may have turned out differently depending on if they find out there is a deeper issue for this persons actions. I don’t know.

You never know what lurks behind someone’s emotions on the job so always be cautious how you approach situations at work.

If you are a human resources professional in Canada how would you have handled this situation?

What are some dumb things people have done that you know of that has cost them their job?

 

Weekly CBB posts

 

If you missed any CBB posts from the week here is the list of posts you can catch up on reading!

 

CBB at home and the blog

 

Not too much action happening at home unless you consider shovelling something of importance. I’ve worked quite a bit and getting things ready for renovations.

I’m still struggling to see my backyard and am hoping that it all disappears fast because I’d love to get Spring on the go.

I have so many things I want to finish up on the outside of the house so I can start transforming the inside although I’ve planned all winter long.

In the next two months the mortgage will be coming due so that’s another thing I need to sort out. Once the money is moved over and here we can finally say good-bye to our mortgage.

It’s going to be an amazing feeling to be mortgage and debt-free before 40 years of age. This will open up plenty of doors for the future depending on where the path leads.

Other than that I spotted flower and garden seeds at the dollar store this past week. As soon as I saw the display I loaded up on 8 packets of basil because last year I struggled to find any and had to pay some ridiculous amount of money for seeds.

I’m pretty happy with 3 for $1.00 over $1.99 a pack. So, if you if you like to garden check out your local dollar stores now for those bargain seeds, you can’t go wrong.

 

Fan deals and inspirations

 

 fan deals of the week Canada

 

Submit your Brag or Inspiration If you have a brag that you want me to share email me at canadianbudgetbinder (@) [yahoo] [.ca] or fill out my contact form by Friday each week to have your brag considered for the Saturday post.

This week CBB fan Jen Peacock shares her awesome deals of the week and what her points did to help her out-of-pocket grocery budget expense.

RCSS

  • 8 x Natura soy milk on sale $2.19 each – 8 x $.75 coupons=$1.44 each ($11.52 for 8)
  • 4 x Almond Fresh milk on sale $3.50 each – 4 x $1.00 coupons=$2.50 each ($10.00 for 4)
  • Nutella on sale $4.98 – $1.00 CartSmart rebate=$3.98 (great price for the larger 725g jar)
  • Old El Paso Salsa $3.67 – FPC=Free
  • 2 x Barilla Plus pasta on clearance for $1.00 – 2 x $1.00 coupons=Free
  • Coupons $15.67
  • Rebates $1.00
  • OOP $25.50

No tax day :-)

Here’s the BONUS:  I collect PCplus points.  I earned 3200 points on the Almond Fresh, 4000 points on the Natura and for spending $30 or more in the Natural Value dept I earned 6000 points.  In total I earned 13,200 points which the cash value is $13.20! This makes my OOP more like $12.30 :-)

 

Making a difference

 

mel brokegirlrich

If you know a personal finance blogger that is making a difference and want to nominate them please send me an email so I can reach out to them for a feature story.

Note: If you are a blogger who gives back and would like to be featured by all means get in touch with me as I am filling spots up for the rest of 2014 and they are going quickly.

Today I’d like to welcome my friend Mel from brokeGIRLrich.

Hey there Mr. CBB readers,

I’m Mel from brokeGIRLrich, where I ramble about all sorts of financial (and not-so-financial) topics. I’m pretty passionate about the arts and even more passionate about how to make enough money to not starve to death. These two passions don’t always jive.

I’ve worked some unusual jobs following this crazy stage management career path, including spending 5 years at sea and a year with the circus.

Oddly enough, these opportunities taught me a lot about how to aggressively pay off debt and I managed to pay off almost $30,000 in college loans in two and a half years, making less than $40,000 a year the whole time.

Now that I’m finally out of debt, I’ve been able to take a job in New York City – it’s not stage managing, but it’s still in theater.

I’m making great connections and able to stage manage on the side thanks to my flexible work schedule… assuming I can ever get anyone to hire me.

So I also regularly share the joys of rejection and doing really odd side jobs in order to get my foot in the door – hopefully anyway, this theory hasn’t completely worked out yet.

So if you have an interest in the arts, New York City or weird jobs, check out my blog! I’m always trying to find ways to side hustle some extra cash because NYC is expensive.

I’m a fan of DIYs that actually are inexpensive, since I’ve found that buying the supplies to DIY are almost as bad as just buying the item sometimes.

If you love finding great deals and are looking to become a side hustling pro, you’ll enjoy checking out my blog!

-Mel

 

What is a blog carnival?

 

Some fans have asked me “what is a blog carnival?” so a little explanation is due here for anyone reading for the first time or for my long-time fans.

A blog carnival is where a blog or website hosts what we call a carnival of blog posts from around the web. Most blog carnivals have a theme and certain rules for submitting which must be followed.

If you are a blogger and would like to learn what blog carnival directories I submit to each week you can find the information in a previous Saturday Weekend Review post that I wrote.

 

Carnival glory

 

A big thanks to these pages for accepting my blog posts and sharing them in the following carnivals and/or sharing my blog posts with their fans.

Carnivals

Blog Mentions

 

Google search terms

 

Google-web-search-terms

Every week I get thousands of people visit Canadian Budget Binder because they did a search online and found my blog.

Here are a few of my favorite searches that may have even brought you here and you’re reading this, right now.

  • RRSP “rich people” leave Canada- I’m not sure about this one
  • How much does a hosting milk cow cost in Guatemala- I’m thinking this is something my friend Pauline at Reach Financial Independence can answer since she’s owned cows and lives in Guatemala.
  • TFSA success stories- I’m not sure why they would be a success. They are relatively new and you either put money in or take money out.
  • Houses for sale for cheap in Toronto where people have been murdered or committed suicide- I debated on this one but I wanted to share it to show just how some people will stop at nothing to score a deal if they even get one at all.
  • That budget blog- Sure, I’ll take that

 

That’s all for this week’s edition of The Saturday Weekend Review #60- How to lose your job in one dumb move.

Have a great week and catch me here again next Saturday with more updates.

-Mr.CBB

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 Photo Credit:imagerymajestic/freedigitalphotos.net

 

The Saturday Weekend Review #46: Gay lifestyle lands server no tip from customer

coffee-cup-restaurant-tip-server TIPS MEAN MORE TO SOME THAN OTHERS

In a typical setting tipping your server is not a requirement when you frequent a sit down restaurant rather it is at the discretion of the customer.

Not everyone has spare money hanging around but they may want to go out for a meal once in a while to celebrate a special occasion or just because they deserve a night out.

The budget is a place we save money for entertainment purposes but to be honest we never thought to factor in any tipping that we might do if we go to a restaurant.

Although I’m not used to the ‘tip your server gratuity’ in Canada because it wasn’t so common back home for me I still do tip as long as I receive excellent service and personally I don’t care what they do in their spare time as it’s not my business.

I wouldn’t tip just because I felt I had to nor would I feel the need to explain why I wouldn’t leave a tip so I was a bit turned off when I read this new article on Yahoo this morning about a New Jersey woman server Dana Morales a former US Marine who is gay and was not left a tip based on her sexual orientation from customers that she served.

What is sexual discrimination?

Sexual discrimination is discrimination based on sexual orientation essentially prejudice based on a persons sex or discrimination based on beliefs of someone’s sexual orientation. This is what it means to me but there are many definitions out there.

My feelings about this is that if you don’t agree with the way someone lives their life then keep it to yourself.

There was no reason that the customer needed to say anything to the server if they didn’t want to leave a tip as it is not mandatory to leave a tip in the first place, it’s only a courtesy for excellent service.

The fact that they went out of their way to make it clear that they did not agree with her being gay just goes to show us that hatred is never alone it follows people because they allow it to cripple their minds.

We would all be in a better place if we just focused on our own happiness rather than criticizing others lives.

Sexual orientation discrimination in the workplace happens all the time and to be honest I don’t know why so many people waste their time on things they cannot change nor should they bother with what others do with their private life.

There is a fine line when it comes to discrimination and in the workplace there should be a clear policy posted for all employees who should sign off they agree and understand it will not be tolerated.

Many people who do get harassed or discriminated against tend to keep it to themselves for fear of reprisal but people shouldn’t have to search for job openings at gay friendly companies as we should all be treated as equals. Is there such a thing anyways?

I don’t know what laws are in the USA when it comes to discrimination but I know in Canada that it is not tolerated and Human Resources don’t take reports of it lightly.

There is no bullying and harassment policy posted for customers and the best a restaurant owner can do is politely ask someone to leave or call for police back up based on the situation they are facing which is different in all cases and must be handled with the utmost of care because the establishments name is on the line.

I’m sure there have been many incidents when things have gotten out of hand and someone has had to step in. When I read what the customer wrote on the receipt it made me wonder how people can be so cruel to others when it’s simply not needed.

“I’m sorry but I cannot tip because I don’t agree with your lifestyle and how you live your life,” reads the receipt posted to the non-profit group Have A Gay Day‘s Facebook page.

Just like the owner of the restaurant was proud of the way she handled the situation anyone who is faced with any type of discrimination in the workplace should not throw stones rather be the stronger person and do the right thing.

She was polite and would serve them again if they came back into the restaurant and that is the way it should be only because I feel when we let other people have control over our emotions we give up the right to be who we want to be.

We are always going to be faced with rude people in this world but like I always say, smile and the world smiles back at your or smile and if you piss them off well so be it.

Sexual discrimination based on sexual orientation is not new and is a big problem not only in Canada but around the world more so in the workplace but in everyday dealings with people in general.

I simply don’t understand why we continue to battle the forces that are before us instead of embracing change in this world.

This world would be a better place if we only focused on matters that are more important rather than who is sleeping with who and what their sexual orientation is.

What are your thoughts on this situation? Share them in the comments below.

 

Canadian Budget Binder this week

 

 

CBB at home and the blog

 radicchio

As you all know I was away for a week this past week so it’s been quiet around the blog. I’ve found that it’s slowed down this time of year but I’m grateful for my fans who pop around every day to read my posts and comment to share their insights.

I’m working hard at winding down the 2013 year hoping to make some changes to the way the blog is run for the 2014 year so I look forward to some new challenges for me starting off my third year of blogging at Canadian Budget Binder.

At home I am trying my hand at keeping the radicchio going over the winter so we have fresh lettuce during the cold season. So far so good and it seems to enjoy the sunshine that it gets every single day and the pot that it lives in seems to be holding up quite well.

Radicchio is a pricey lettuce that you can purchase in the grocery store up to $4.99lb so if I can keep this up all winter I’ll be a happy guy.

Other than that with Christmas creeping up on us we will be out doing some Christmas shopping but we are hoping that Shoppers Drug Mart does their Mega Redemption this year so we can do a couple of redemption that we have been saving points up for.

We noticed that they now have tablets for sale in the electronics department so we may have to look into that for a potential gift in our holiday gift exchange for the family.

I will also be getting outside to switch the winter tires on the vehicles and put up the Christmas decorations outside before the snow approaches.

How has your week been going?

 

Fan deals of the week

 

Submit your Brag

If you have a brag that you want me to share email me at canadianbudgetbinder (@) [yahoo] [.ca] by Friday each week to have your brag considered for the Saturday post.

Mr CBB… here are my scores this week.

The eggs are a great price, 2 for 1 hams is good but the produce at Wal-mart was amazing!!! I thought I did really well for a grand total of $73.10. As usual…I was shopping the sales and only used one coupon.   

Mary F. Campbell

Safeway – Maple Ridge

3 dozen Lucerne eggs ($8.97-$4.98 Loyalty Savings) = $3.99

Not only did I get in on the sale but we also picked up a rain check for another 3 dozen eggs @ $3.99! Yippee!!!

•Total OOP:  $3.99
====================================

Save On Foods – Maple Ridge

2 Maple Leaf Hams ($29.98-$14.99 Coupon) = $14.99

•Total OOP:  $14.99
====================================

Thrifty Foods – Maple Ridge

2 Island Farms Yogurt (2 for $5.00)= $5.00
2 Island Farms Cottage Cheese $4.49 ea
4 Avocados (2 for $3) = $6.00
2 Cauliflower (2 for $5.00) = $5.00
5 Lemons (5 for $2.00) = $2.00
5 Limes (5 for $2.00) = $2.00
1 bunch spinach $1.29

•Total OOP:  $30.27

Thanks Mary for sharing your brag of the week with us. We know you are an amazing shopper and we can all learn something new from each other.

 

Making a difference

 add-vodka-avatar

Hi CBB fans!

I’m Daisy and I am the finance and lifestyle blogger behind When Life Gives You Lemons, Add Vodka.

I started blogging in 2010 on When Life Gives You Lemons, as a way to document my financial struggles as I put myself through college.

I had just quit my retail job, and moved four hours away from my hometown with my then boyfriend (now fiance) to work toward getting my degree.

Where I grew up there was, and still is, very little opportunity for business majors like me. I wanted to move to a larger city to get some work experience, earn my degree at a school that would allow me to apply my skills practically, and set down some roots.

What I try to convey with both of my blogs is that you can work your way out of, or into any situation that you would like.

I tripled my income in three years and now am a 24-year-old professional and member of a DINK couple (dual income no kids).

I was not doing good financially when I moved, but in the past four years I’ve secured a great job, started saving for retirement, saved up a ton of money and used it as a down payment on our house, and have begun investing.

I’m only getting richer every year and my passion is to empower young women (and men!) to better themselves financially, in health, and in outlook (though I admit I struggle with the same thing).

Even when life throws you curveballs, there’s always a bright side, and that’s where the vodka comes in. I try to bring a little motivation to my reader’s days by sharing my own struggles and successes.

Let me know if it wasn’t what you had in mind!

 

Blog post sharing

 

I really appreciate when other blog owners recognize my hard work at Canadian Budget Binder and share my posts with their fans or even mention my blog on their blog or website.

Here are the blogs that did just that this past week, so please head over and check them out. If I’m missing you it’s because I didn’t get a ping back so please send me an email and I’ll add you next Saturday.

 

Carnival Glory

 

Google-web-search-terms

Every week I get thousands of people visit Canadian Budget Binder because they did a search online and found my blog. Here are a few of my favorite searches that may have even brought you here and you’re reading this, right now.

  • I feel pregnant but dollar store hpt tells me no- Time to visit the doctor I think
  • How to get rid of $100, 000- Sweep it up
  • Is being a shopoholic truly an addiction?- I would say so
  • Frugal is sexy- You better believe it …wink
  • Liking a man with money- It won’t work when it’s just based around money
  • Hate me and see if I care- hmmm

 

Money-quote

 

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Related articles

Mr.CBB’s Personal Finance Weekly Reading List #3 RRSP’s, NHL

Personal Finance Reading LIst

Today is probably one of the first days I’ve been able to wake up late and just lay in bed staring at the ceiling wondering what to tackle first. So far this week has been one heck of a rat race for me running from meeting to appointment to the grocery store to work and home. Have you ever had a week where you felt you were going non-stop? Well that was me this week.

On a good note, NHL Hockey Season is back (finally) for all you hockey fans although, I’m not one of them. I was mentioning to my mate Mark about Hockey and how I don’t understand it but ask me about rugby, basketball and soccer and I’m in.

We met with our financial advisor the other day and we really have some catching up as do many Canadians. I read an interesting post today on RRSP or Debt and how only 26 percent of eligible Canadians contribute to an RRSP. What would you choose? Sometimes the choice is clear but others it’s not. Our choice was clear and I’ll get into that more in a later post about our retirement savings and plans for 2013.

TOP BLOG POSTS WEEKLY READING LIST

Here are some posts of the week from top blogs that I read and comment on weekly. Have a look, subscribe to them if you like. They are one heck of a bunch of Bloggers who also share and comment on what I have to say with their fans so I will do the same for you. Happy Reading and enjoy your weekend!

Mr.CBB

  1. The Frugal Path- Don’t Allow Coupons To Lure You Into Overspending
  2. Dividend Ninja- Why Canadians Should Avoid Mutual Funds
  3. Vix Money- Share her Case Study #2 (follow along this portfolio)
  4. The Family Finances- What Is An Off-Shore Investment?
  5. Freedom Thirty Five- Getting Back Into Stocks
  6. Saving Advice- Using Credit As An Emergency Savings Is A Bad Idea
  7. Modest Money- Treating Your Savings Like A Monthly Bill
  8. Eyes On The Dollar- My Child Needs Glasses, Now What? 
  9. See Debt Run- Wishing For Walkability
  10. My Own Advisor- If You Want To Price Match, Please
  11. Reach Financial Independence  13 Money Resolutions for 2013 #8 Be Happy!
  12. Club Thrifty- Horrifc Financial Advice From the New York Times
  13. Young Adult Money- Five Lessons Learned from Freelancing
  14. Work Save Live- Debt Reduction Strategy, The Debt Seige
  15. The Outlier Model- What Causes Hoarding?
  16. Prairie Eco-Thrifter- The Difference Between Looking Rich and Being Rich
  17. My Canuck Buck- Easy Ways To Save Money At The Grocery Store
  18. One Smart Dollar- The Downside To Common Frugal Tips
  19. The Brighter Life- How Much Life Insurance Do You Need?
  20. Money Bulldog- Why Cash Flow Is More Important Than Profit
  21. Lil Suburban Homestead- Visiting the Vanderbilts Homestead A.K.A The Biltmore Estate
  22. This is Common Cents-The Real Cost of Food
  23. Broke Ass Mommy- Techniques I Use To Curb That Pesky Consumerism Itch
  24. Grown Up and Stuff- Why I’m Happy I Made The Move To Free Banking
  25. Finance Fox- Doing Business With Friends Could It Work?
  26. I Heart Budgets- Seasonal Budgeting
  27. Debt Round Up- The Day My Personal Finance Life Changed
  28. Out Of Your Rut- Micro-Frugality vs Macro-Frugality
  29. Money Ning- Change Your Money Behaviour By Changing Your Money Beliefs
  30. Thirty Six Months- On Always Wanting More
  31. Frugal Rules- Three Ways Advertising Companies Tempt You To Forsake Frugality
  32. Financial Highway- How To Reduce Waste and Save Money
  33. Edward Antrobus-How To Save Money Shaving
  34. Average Joe- Hiring A Financial Advisor, Clues From the Secretary
Lemon Blueberry Muffin

Lemon Blueberry Muffin Credit Work Save Live

Recipes of the Week- If you have a recipe blog post you want me to check out, send me an email!

Tweet Tweet… Goes my Twitter Followers!  

There have been so many awesome people who have tweeted my posts on Twitter this week that I can’t possibly name them all. I read every tweet and many thanks to all of you.

New Start, New Beginning, New Life, Change, Divorce, Seperation

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

mr-cbbs-weekly-blog-post-

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 there is I likely wouldn’t watch that either.

There also may be hope for new younger immigrants to Canada with a new point system. This means that we may see immigrants actually using their skills in a job other than taxi driver as part of Canada’s Immigration System revamp.  Immigration Minister Jason Kenney says they want to be able to bring the engineers and doctors that they select to actually work in their skilled field.

“Kenney outlined the new point system which would favour younger immigrants and those who have English or French language proficiency.  There will also be a more rigorous review of an applicant’s credentials to ensure they transfer to Canada”

When I moved to Canada from the UK with my University Degree it pretty much meant nothing unless I went back to get certifications and upgrades hence my return to school but in a different field. I hope for those that do make it here with these skills are able to use them to their full capacity.

Giveaway: If you haven’t entered to WIN $100 Cash through PayPal or an Amazon Gift Card Click here and ENTER NOW!! Good Luck

Blog Post Picks Of The Week

In no particular order enjoy my blog post picks of the week. Thanks to all of you for sharing my page with your fans and taking the time out to drop in and comment on my post.

Recipes of the Week:

Twitter follow friday tweet tweet

Twitter  Personal Finance and Other Peeps to Check Out!

This is a list of the Twitter Tweeps That I Follow that Tweeted 2 times or more from Friday to Friday my own Canadian Budget Binder Blog Posts.

Happy Holidays To Everyone! I hope you have been enjoying Mr.CBB’s blog post picks this year. As we countdown to Christmas and there after we have one week left of this post to go for 2012. I hope to continue bringing you the best of personal finance and food in 2013! -Mr.CBB

It's Not About How Much Money You Make It's How You Spend It

Mr.CBB’s Quote

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