Men, Women, and How They Think About Money

MONEY IS MONEY BUT ADD GENDER TO THE MIX AND THE MEANING BECOMES SOMETHING MUCH DIFFERENT.   Money is central to our existence and we all know it. We need, want it and got to have it. There’s nothing new to report here about any of that. It’s the basic reason we all get up every morning, battle the elements and the traffic, and hunker down at our jobs every day. Whether you are a Canadian or an American like me, there are differences between the genders. If you’re a man, you’re more likely to be coming home from work each day, unwinding and spending your time as you see fit. If you’re a woman, not so much. For as long as there have been people working outside the home, women have born most of the burdens of taking care of the home, kids, chores, and those kinds of things. When you look at the last 30 years of changes to our society, i.e. the big addition of women to the workforce, there may have been some changes in that old school approach…but not enough. Men still fundamentally think of women as the responsible party when it comes to family, […]

grocery game monthly challenge

How To Grow A Budget Vegetable Garden From A Homestead Expert : The Grocery Game Challenge 2017 #3-4 June 19- July 2

GARDENING HELPS KEEP YOUR FOOD COSTS DOWN WHILE INSPIRING IMAGINATION.   This year may be the year you decide to finally grow a vegetable garden in your front or back-yard. Gardening can be as inexpensive or costly as you’d like depending on how you approach it. My name is Karen from the blog Lil Suburban Homestead and I hope I can inspire you to get out and dig with our best kept secret vegetable garden tips. To start your vegetable garden you may feel a bit intimidated, don’t be. To ease your worries I’ll share with you our success and failures over the years. We’ve been through it all which has helped us become homestead experts for our family. Sometimes failure is only the beginning to your success.   Beginning to vegetable garden is about learning   When we started our vegetable garden let’s just say our first attempt turned into a failure but not without a learning experience. I was disheartened but not discouraged from continuing my quest to grow home-grown, delicious food!  I guess you could say it was in my DNA as when I grew up my parents always had a tiny garden but I always wanted […]

Family Sacrifices For Financial Freedom Pays Off

BEING ABLE TO SLEEP AT NIGHT WITHOUT DEBT WORRY FOR YOUR FAMILY IS ONE OF THE BEST FEELINGS IN THE FINANCIAL WORLD   I want to earn money fast, I want to earn money now, I want financial freedom so I don’t have to worry about money down the road. There are people who constantly strive to set goals, budget, work long hours at home or away from home to make sure their retirement years are golden. What this means is that the family will make sacrifices to achieve such financial goals sometimes at an unbalanced cost. Is it really worth being away from your family for 6 or 7 days a week? For the past 2 years I’ve been that guy who is working 6-7 days a week at two full-time jobs. One is my dream job that is currently contract and the other is full-time in my field of expertise but on a different playing field. What keeps me going is my family and the fact that I can retire early if I want to and with a defined benefits package, investments and no mortgage. That fuels the frugal fire. Related: How to retire early- A Beginners Guide […]

Sweet Peach Crumble Bars

FRESH PEACHES NEVER TASTED SO GOOD   If you love peach desserts with fresh peaches I’ve created these gorgeous, sweet peach crumble bars for you that will take your mind off of anything that is bothering you while you sink your teeth into one of them. Although these peach crumble bars are perfect as a fall or winter treat they will also make a great peach dessert for your Thanksgiving and Christmas Dinner. What I like about having easy desserts in my recipe repertoire is that I can turn to them in an instant to create something that tastes like a bakery made it. I’m a big fan of bar recipes because they are easy to eat and transport as a snack for work or for those who go to school. My coconut cherry pie bars are one of my favourite but I am also passionate about these peach crumble bars that are sweet and hit the spot.   Peach Varieties   In Ontario we are lucky to have delicious home-grown peaches in many varieties and produce 82% of the national production according to Ontariotenderfruit.ca where you can learn all about Ontario fruits including availability, storage and handling and some […]

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

STICK 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 […]

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

HANDS 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 […]

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

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 […]

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

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 […]

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