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Mr.CBB’s Personal Finance Reading List #6 ~Worrying and Complaining Does Nothing, Now That’s Snow!

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Personal Finance Reading LIst

To All My Devoted Canadian Budget Binder Fans around the world! Please click the link below and vote for Canadian Budget Binder who is up for nomination for Best Top Personal Finance Blog 2012.

All it takes is a click and I thank you for your continued support as this site is for all of you.  

Click HERE to vote Canadian Budget Binder. Update: Over

If we win: Winning blog $100 to give away to one of their readers to help them in their journey to pay down their debt or add to their savings. I will hold a contest if we win and give this to one lucky fan!

Top Personal Finance Blog 2012

Here Comes The Snow, Are You Ready?

We thought we would get lucky again this year with small shots of snow falling from the sky but that simply is not the case according to the weather professionals. If you are in Southwestern Ontario your commute was or is likely going to be a messy one with Environment Canada weather radars zeroing in on one of the biggest winter blasts since 2011.

The Alberta clipper is making it’s presence with a sweet push from the USA. It’s been a couple of years now that I’ve had to go out and give the drive one great big shovel 5 times per day so I’m ready for it.

What I’m not ready for is the miserable drive to work and back and bracing myself for the unexpected. To be honest I’m fairly new to all this winter driving but I keep my distance, slow it down and take control of my vehicle like we should. So gear up Ontario, 15 to 25 cm of snow coming our way, be ready and “have a minute to live” slow down. Ontario is one giant marshmallow world this morning, enjoy it while you can.

Good-Bye Debt Says These Two Newlyweds

While I was reading a Yahoo article yesterday I realized the couple they were talking about is my Personal Finance blogger mate Deacon Hayes who blogs at Well Kept Wallet. The article describes how him and his wife worked together and paid off $52,000 in debt in 18 months, impressive. The important part here is that they worked as a team to kill this debt. When I started to read the comments I was not surprised to read negative comments.

Does it really matter if he uses Dave Ramsey techniques or what his career is? Really, that makes no difference at all. One commenter made a point to say they didn’t disclose their wage and I thought, who the hell cares.

It’s not about how much money one makes it’s how they save and spend it that matters. In the summer I did the Welfare Food Challenge where people thought you couldn’t eat healthy on a $26 grocery budget.

I proved we could spend $26 but it also makes a difference where you live in this world as prices and cost of living differ. Yes, OK the food might not be be rib-eye steaks but it’s food and good food not convenience foods.

I notice in our Canadian Budget Binder weekly grocery game challenge Pauline who blogs at Reach Financial Independence shares her weekly grocery shop with us and vegetables are super cheap in Guatemala. I often am in awe at the prices she pays but cost of living is much different so I can’t compare what we pay here to what she pays.

There are millionaires out there that can’t even stay out of the red.

What I read in Deacons interview in the US News and World Report comment section is that some are so focused on numbers and how much everyone else has instead of finding ways to make our own personal situations healthy.

The good part was the positive comments outweighed the negative and people really do enjoy reading these personal stories.

If you haven’t read the Millionaire Next Door, make it a priority. Too often we jump to conclusions about people and forget that we are looking at our lives from the outside in procrastinating about life rather than moving forward like champs.

What the article taught me was that when it comes down to the nitty-gritty instead of complaining, do something about it. No one is going to hold your hand to the finish line, so if you fall you need to get back up, make some decisions.

Worrying and complaining does nothing, do something about it and you might even surprise yourself.

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

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  1. I think you’re gonna win the contest. I am voting for myself, but just so I won’t get last place. Very exciting to be recognized.
    Unfortunately there will always be haters out there. Similar to the ones who are so put out that I don’t have to work 60 hours a week anymore. It’s ,much easier to find fault with someone else than analyze your own issues and make changes.

    Thanks for including me. It is always a pleasure to visit CBB. Have a great weekend.

    1. That’s too bad to be honest that people have to find fault in others rather than look at themselves. They don’t realize how silly they sound sometimes. Ah you know Kim, we are all winners… 😉

  2. Thanks for the mention; I did get a ping this time, so I’ll be sure to include you in my next roundup.
    Temperatures are in the 50’s here, so no snow for us. 🙁 We could really use it because we are only at 62% of normal for snowpack so far.

  3. It’s sad that some people are actually offended by those that are doing everything to become debt free. I guess it hits a nerve for them…maybe it’s because they have a ton of debt and aren’t doing much about it…
    Have a good week-end!

  4. Voted! There will always be people who are inherently negative, especially on the internet. Doesn’t change the fact that they did an awesome job!

    Thanks for the mention; drive safe out there!

  5. I don’t get the negative comments, how can people be angry at others for improving their financial lives? I am surprised every week when I turn the amounts I paid for veggies into dollars, in local currency I am used to it so it seems ok but in dollars it is truly a bargain. Other things are expensive though! A Mars bar is over $1! And since people can’t afford to buy those kind of things, they make micro packaging, the worst case is crisps, they have bags with a handful of crisps but the price per pound is more than lean meat! have a nice weekend Mr CBB, thanks for the mention!

  6. Thank you SO much for all these great articles! I feel so empowered by all the knowlegde you’ve been sharing on your site. Armed and ready with budgeted cash & coupons for the grocery shop today. 🙂 Have a SUPER weekend!!

  7. Hey Mr. CBB, Thanks for the shout out and all of the help you have given me over the past month. Have a great weekend!

  8. Thanks so much for the blog mention. Good luck with the snow! You’re right in that it’s easy to make assumptions about what is going on with the neighbors. Although it’s not always easy, I really try to focus on what is going on with me, nobody else. Good post!

  9. “It’s not about how much money one makes it’s how they save and spend it that matters.” I could not agree more Mr. CBB! I think all too often people are focused too much on how much someone makes when 90%+ comes down to how you spend/save your money. You could be making millions a year and having nothing to show for it, or you could make a modest but nice living and be more well off. It comes down to discipline and having a plan for your money. Thanks for the mention sir & stay safe in all the snow.

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