Hot summer days might not be the appropriate words to use for summer 2014 in Ontario with the up and down weather we’ve been having.
Since we are getting hammered with heat this week we’re still in the clear to enjoy the best days of summer holidays.
I didn’t want to make this post the usual Saturday blog post because it’s the Labour Day long weekend which means school starts back up which brings financial changes for most people. I also wanted to make it personal in hopes you share memories of your summer days in the comment section.
What’s open for the Labour Day Weekend?
I don’t know what’s open in your local area but in the Toronto area we have some shops open. Many of you might be enjoying one of the last weekends at the campground or prepping for back to school.
You might plan to attend some local attractions for the long weekend such as the Toronto Zoo, Wonderland, Toronto Science Centre, CN Tower, Toronto Eaton Centre or hit the beach but all government is closed including the LCBO so stock up today!
It’s hard when summer days seem to end at the Labour Day weekend for many but we still have some time until the Fall season kicks in. We’re already seeing stores stocking up Halloween and Christmas decor and candies. Talk about getting a kick-start marketing to the consumers.
Parents with kids going back to school might feel a bit of a budget crunch but if you plan it right it might not be too bad. Expenses can skyrocket buying new clothes and school supplies not to mention buying and preparing lunches. Then there is also the new schedule the family has to adjust to. Hectic, for sure!
If you are a student heading off to College or University new challenges are coming your way but if you are an optimist you can get through anything, especially financial based. To help you kick-start your financial trials I’ve included some of the most popular Canadian Budget Binder posts below for you to reflect on.
Starting a budget now is a great opportunity to stay the course for the year and prepare you for life after school when you are out on your own working in your new career.
- Back to school student budget for University and College—- Plus get my FREE Budget Download so there’s no reason NOT to be using a budget!
- OSAP….. If you don’t already know this debt is a big debt for students.
- Students prepare your finances now!
- Working Part-time while going to University or College
- Will signing a room rental agreement feel like moving home?
- Is it wise to stay home to pay off my student debt?
- How my co-op program shaped my work ethics
- Are skilled trades a better choice for Canadians?
Summer days CBB house
It’s been one of those summers in the CBB house where we didn’t get a chance to do too much with having our baby on the way. Most of the summer revolved around getting the front landscaping under control and shopping for baby.
We managed to get the baby room fully decorated and stocked up without having a baby shower because my wife wasn’t interested in having one.
I know it might sound odd to many of you but not all women want to have one and the family was fine with that. Our family has been so supportive of us this past year and helped us to get everything ready for baby including helping us with baby names. It’s one of those situations where it takes forever to come up with something that you both like but we finally did it.
On top of us having a baby on the way I thought I’d be brave and start doing some renovations inside the house. I’ve worked 10-12 hour days to get this bathroom project completed and although I still have many days of work ahead of me I’m happy with the progress.
Once I’m done with this bathroom I’ll be moving on to the next bathroom then the kitchen, living-room and dining room. I know… crazy but we love our house and waited long enough to pay off our mortgage so we could renovate the inside. Finally we can get rid of our pink-purple carpet. I know we keep the light low most days so we don’t have to see it.
Other than the amazing baby news we’ve made a couple of trips up to see my wife’s parents, went to the beach and did some sight-seeing. We were going to take a trip to the UK but that is on hold until next year once baby is a bit older. We can’t wait to go on a vacation!
I know our summer days may seem boring to you but we accomplished lots of what we needed. I hope your summer days were filled with love and laughter. Creating memories is what life is all about and you don’t need to be out spending money to do it. .
Let’s enjoy the last summer days and welcome the Fall season with open arms!
I’m thrilled to say that CBB has been getting busier having more traffic stop by every day. I’m proud of the work and long hours that go into this blog for Canadians and those around the world who want to read about real stories that happen to everyday people.
Not too much else is happening on the blog except removing the CAPTCHA which was giving us some issues. The plugin simply wasn’t working right so it’s been removed although there are some other spam security provisions set in place. What do you use on your blog to combat Spam?
Once baby arrives please take the time to enjoy the good reads from the personal finance bloggers whom I invited to guest post on Canadian Budget Binder. I am forever thankful to these personal finance bloggers who have stepped up to help me out.
I will do my best to stick to a blogging schedule but please hang tight because if you’ve had a baby you know that anything can happen. I can’t predict what will happen but I do have somewhat of a plan in place.
All my amazing Facebook fans have the What’s For Dinner thread scheduled for the next two months so you can all still chat about food and finance in my absence although I’ll try to pop in when I can.
Posting your grocery game shops should not end as I mentioned please continue to post under the most current GGC post and I will moderate as soon as I can.
I find if someone stops doing something it’s hard to start again so I want all my amazing grocery shoppers to continue tracking their grocery shops even if I have to stop posting for a few week. Trust me when I say, it will be worth it to your budget.
Guest posts wanted
If you are a Personal Finance Blogger I’m looking to book High Quality Guest Posts for the months of September and October to help me out. It’s a great way to share your thoughts and the way you write with the thousands of fans who visit each week.
If you are interested please contact me today as spots are filling up.
Weekly CBB posts
If you missed any CBB posts from the week here is the list of posts you can catch up on reading! You will notice that I’m only posting 5 days a week now on Monday, Tuesday, Thursday, Saturday and Sunday. If you would like to guest post please contact me with your blog post ideas.
- Cheesy tomato pie with potato crust
- Parents tell son he will create debt with credit card rewards card
- Protect your wallet from the pickpocket at the grocery store
- Is there truth to less stress with financial freedom
Fan deals and inspirations
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.
Today Jen shares some great deals she picked up while shopping. It pays to watch the flyers and to use coupons along with deals to score some great deals.
Here is my deal today from Rexall
- Royale Velour 3 x $2.99 – 3 x $3.00 coupons
- Kotex 4@ 2/$7.00 – 3 x $2.50 coupons and 1 x $1.00 coupon
- Coupons $17.50
- OOP $7.33
Making a difference
If you know a personal finance blogger that is making a difference and want to nominate them please send me an email canadianbudgetbinder (@) yahoo.ca 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 get in touch with me as I am booking spots for the rest of 2014 and they are going quickly.
Today my friend May is here to tell us all about her personal finance blog Messy Money.
Hi CBB readers,
I am May and I blog at Messy Money and I cover topics related to finance with a personal twist. I would describe my blog as a place where life meets money.
Since both life and money can be complicated the name Messy Money seemed to fit. Money is serious business but it is okay to have some fun with it too.
My goal is to share my personal experiences and ideas with the hope that readers may see things from an unconventional or offbeat angle. While I believe that the nuts and bolts of personal finance are very important I am also interested in our motivations, beliefs and the social pressures that influence how we manage our money.
The financial crisis was a wake-up call for many of us and it helped form a new age of “Financial enlightenment” that forced some of us to re-examine what money means and how we can manage it in what seems to be an increasingly complex financial world.
On a personal note, I am happily married and mom to 2 active boys. I work full-time in corporate operations (whatever that is) and while I love my job I also look forward to life after the cubicle.
I will admit that I was unaware of how vast, active and diverse the personal finance online community was when I started blogging a year ago. I have since learned that it is truly a community full of supportive and interesting people.
I am enjoying the blogging experience and look forward to hearing from you. Please stop by for a visit.
If you don’t already know I have a second Facebook page called The Free Recipe Depot where I share recipes from other Food Bloggers from around the world.
Once a week I pick one recipe that has been submitted as my Top Recipe of the week. Trust me when I say this is no easy task as some of these foodies can cook up a storm.
This week I picked some Double Chocolate Mint Cookies from my friends at Kitchen Dreaming. These ladies can cook so go check them out!!
Every week I will pick a blog post of the week from around the web that I found interesting and want to share with you and an Editor’s top blog post pick.
Editor’s blog post pick of the week
This week I read a post at Financial Diffraction that might interest students where Alicia transferred her Student Line of Credit to a credit card. I was interested to see how it all worked out but in the end it was the best decision for her financially.
Enjoy the read.
I no longer have a student line of credit. No, I didn’t come into a lot of money – I transferred it to my 1% interest (+1% balance transfer fee) credit card. This might seem a little counter intuitive, but the math works in my favour. And the emotions as well. I love it when they align!
Weekly Features around the web
If you featured CBB and I missed you it’s because I haven’t been made aware but thank-you kindly for thinking of CBB.
We were fortunate this week to have CBB featured on Mint.com so please do enjoy my interview with Mint. I’d also like to thank the following personal finance bloggers Budget Bloggess and My Own Advisor.
Google 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.
- How to make your OSAP money grow– Now, that’s a first! If you don’t pay it you can bet that interest will help it grow.
- Money Mart Free $200 loan– Ya, right!
- Let’s just say I’m not a fan of jealous females– Ok…
- Lied on resume taking long time to fire me– Well, that’s your own fault
- Do you have to pay back OSAP– Oh boy do you have lots to learn about finance! Of course you do.
Thanks for joining me for this edition of The Saturday Weekend Review #87. Join me here again for more crazy stories from around the web and at home!
Are You New To Canadian Budget Binder?
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- Don’t forget to Subscribe to Canadian Budget Binder by Email to get my daily email. Once you subscribe you MUST VERIFY your email account so check your spam folder and inbox for that email!
- Check out my new Free Recipe Index
- NEW! My Ultimate Grocery Shopping Guide Canada!
- If you like FREE then click this link for my FREE Excel Budget Spreadsheet and all my Free Money Saving Lists!
- The Saturday Weekend Review #82: An unclaimed government cheque is your own fault
- The Saturday Weekend Review #83: Smartphone education and replacement parts
- The Saturday Weekend Review #84: Lying on your resume can get you fired
- The Saturday Weekend Review #85: Part-Time work while attending University kept me debt free
- The Saturday Weekend Review #86: Single mom entrepreneur makes millions with lunchbox idea