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

Girl Guide Cookies paid with cheque

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

chocolate bar snack on the job

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 […]

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 […]

Too Many Bills Not Enough Money Each Month

Some Canadians are faced with the reality that they simply can’t get to the end of  the month before running out of money. We humbly turn to credit cards, lines of credit or even borrowing from family and friends to make ends meet. For some Canadians having a high debt load and spending more than they earn spells disaster and for some debt denial is better than acknowledging it. This ends up leaving no room for  retirement savings, the kids RESP let alone an emergency savings account. With grocery prices slated to increase in 2013 it’s time to buckle down and make a game plan before the going gets tougher. Do you feel like your hands are tied and you don’t know where to turn? You’re not alone but there are ways to tackle this problem so don’t give up. What do you need to do? You need to either improve your income or reduce your expenses meaning that you have to take a hard look at your finances. Do you know your net worth? You should. Do you use a budget? You should. Budget, but why should I budget when I don’t have enough money each month? That’s OK, you still need […]

Mr.CBB’s Weekly Blog Post Picks-Nov 23,2012 Shop Til You Drop!

This is a week of many Thanks and lots of Black Friday Shopping for the masses in the USA and Canada. We had our first Black Friday excursion yesterday although it was more to pick up dog food and a bag of bird feed.  Once inside TSC store we were nearly trampled on by hungry deal shoppers who lined up well before 6 am the cashier told us. She also went on to say they sold out of many items right away and that this particular day each year they will do one weeks worth of sales. I was in awe but not shocked after seeing so many customers with their shopping trolleys filled to the top, some pulling two carts ( I know). Hey if shopping is what you have to do to get the best deals and best prices then head out and shop til you drop! Mr.CBB’s Top “whatever I want” Blog Post Picks of the Week I know I said it would be the Top 20 but I realized I truly read alot of blog posts each week. All these lovely Bloggers read my Blog and link their favourite posts for their fans that it was so hard. […]

Mr.CBB’s Cream Filled Homemade Twinkie Style Cakes

Mr.CBB's Homemade Twinkies

Well, after hearing about the closing of Twinkie Brands in Irving, Texas in the USA the other day I wondered about these little delights that everyone is going mad over. Yes, they are still making the Twinkies in Canada but I’ve never had one in me life. I remember on Facebook the fans were talking about Joe Louis and I had no idea what they were going on about. Luckily for them I’m learning more the longer I live in Canada. So everyone wants to get their hands on the Twinkie in the USA, mad, well it’s pretty nutty if you ask me.  After a mate of mine who lives in the USA told me to check out Ebay last night I nearly fell over after what I saw. You remember the famous tickle me Elmo that everyone thought they could make a buck from selling them on Ebay? Well move over Elmo, Twinkie is taking top spot this year. Boxes and I mean boxes of these cream filled Twinkie cakes are showing up on EBAY selling for absurd amounts of money.  I’m still wondering who in their right mind is that hungry for a $10,000.00 box of Twinkies. What has this […]

Mr.CBB’s Weekly Blog Post Picks Nov 2,2012

Another rainy week continues but the blog is still full of life bringing you the best of the best from around the web in Personal Finance and More.  Halloween was my third now in our home and carving the pumpkin seems to be getting easier for me. I was rubbish the first year and would be ashamed to show anyone what I made of the pumpkin. I will post a picture tomorrow when I post The Saturday Review and you can be the judge for my 2012 creation. This week I must say I’ve done a great job reading the amount of blog posts that I wanted to read including commenting on them. Some days are better than others but I enjoy keeping up with my favourite blogs and writers. I believe the blogs that I follow and comment on are the one’s that will not only help me to learn but also those that my fans here at Canadian Budget Binder will appreciate. I enjoy sharing your posts on my Facebook page so if you want me to share please come say Hi to the fans and introduce yourself so the fans can learn about your blog. On that […]

Mr.CBB’s Weekly Blog Post Picks Oct 26,2012

Each Friday I will Blog Mr.CBB’s Blog Post Picks of The Week. This may include posts and shares from Friday Previous up until Thursday the following week. I like to recognize those sites that genuinely enjoy the content of my blog and share it. I can’t believe it’s Friday already. It seems the more work I start doing outside and around the house the faster the week passes by. You can read what I’ve been up to each week at home and the blog each Saturday now with my new featured post “The Saturday Weekend Review“. Alternatively I would rather spend my time exploring the world with the lovely Mrs.CBB then cleaning the house. So,  unless I win this weekends Lotto MAX at $50 million, then that’s not likely to happen. This week has been a super busy week at the blog and as the blog grows so does the time it takes to get through all the emails and the social media mentions. I’m enjoying the new people I’m making friends with as I realize that learning from each other is more important to me than anything else. This week as you will see below I did plenty of  reading and commenting on […]

Mr.CBB’s Weekly Blog Post Picks~Oct 19,2012

Top Blog Picks Of The Week This week I’ve started something new as I found my Friday Blog Post Picks of The Week was getting far too big. I really want the Bloggers that I am recognizing to notice as I feel many are not seeing because the post is too big. All of you that share Canadian Budget Binder Blog Posts are a huge part of the success and I want you to know how thankful I am. I might not get a chance to say thanks to everyone every week so thanks for all the continued support. If at any time I miss recognizing you please let me know. I make mistakes like everyone else but I do like to know if I’ve failed to recognize someone. I’ve decided to split my Friday post into two so below will highlight the changes. Saturday Mr. CBB’s Week in Review, will include Canadian Budget Binder Blog Post Re-cap for the Week My Favourite Search Terms that helped fans find CBB Canadian Budget Binder’s Week in Review (What’s Been Going On With The Blog?) Mr.CBB’s Week in Review at Home (What did I get myself into this week?) Bloggers that mention CBB blog posts on […]

Mr.CBB’s Weekly Blog Post Picks October 12,2012

Mr.CBB’s Week in Review This week has been a relaxed but busy week for me as I finished putting up the Christmas lights. The only problem is that I am short around 6 feet so now I’m stuck looking for a 6-8 ft set that match. I went to Canadian Tire to check out their Christmas lights and nearly lost my gut when the sales woman told me 33 ft of the lights I needed cost $119.00. Are you bloody kidding me? I didn’t want to buy Christmas lights that are just getting put up on the shelves and have not even been in the flyer yet for sales. With my luck I’ll pay full price and it will go on sale the next week. That’s not so bad though as I could always return with the receipt for a product price adjustment but it’s just the time and gas that you have to factor in. I said to Mrs.CBB you watch if this last 6 ft of lights will cost me more than the 8 boxes or so that we got at end of season the past 2 years.  Gotta love it! I still haven’t finished the deck completely but the […]