5 Motivational Inspirations To Consider While You Bulldoze Debt : The Saturday Weekend Review #188

5 motivational inspirations to consider while you bulldoze debtIF DEBT BOXES YOU IN THERE ARE WAYS TO HELP PULL YOU OUT.


Becoming a motivational push for those who have large amounts of debt isn’t as easy as it sounds even if you are debt free and have been down that same path or a similar one in the past.

When I started blogging at Canadian Budget Binder I didn’t realize how much of a motivational inspiration I would be to many of my fans. I thought I would be writing for myself but almost 5 years later and thousands of readers I have an audience that  motivates me to share our financial experiences and those of other fans.

If I didn’t believe that I was influencing my readers in any way especially by letting them into our home and financial world I would have quit blogging years ago. That’s clearly not the case as my readers are my rock.

The sheer amount of emails that I get from fans looking for budgeting tips or sharing with me their success stories because they read my blog motivates me to keep on writing.

Do you see how this works?

You give, you get, you give, you get. It all comes back to you so it’s important to help those who need you even if it’s a shoulder to cry on. Most often you don’t even know you are a motivational driving force behind someones’ dreams unless they tell you.


Motivational sayings are created by those who have been motivated themselves


The bulk of the motivation has to come from the individual which means finding ways to grasp on to debt freedom by offering themselves self-motivation through self-talk. There’s lots of self in the world of motivation unfortunately because we can’t always rely on others for our happiness and direction in life.

Motivational quotes have flooded social media because those who create them know that there are people who need to read positive words of encouragement.

When you are in debt and the creditors are calling but your bank account is empty because you’re living pay cheque to pay cheque it’s easy to drown in tears feeling trapped by debt.


Put zip into your step and your mind


The most important key-point to remember to stay enthusiastic about paying down debt by using a budget is that you must keep your motivational words positive. Make a list of words that make you smile, energize you and stimulate you to steamroll your financial goals.

When someone is sitting on a pile of debt and want to bulldoze it once and for all it can be just as scary as any other addiction that one may want to give up. Yes shopping can be an addiction and a very serious one that can affect the lives of anyone directly and indirectly involved.

There is one reason someone is in debt and that is because more money was spent than was coming in. You may not have necessarily created the debt but you might be on the hook for it depending on circumstances.

There are many motivational activities that you can add to your daily routine to rouse your inner-self. These activities can be beneficial while paying down debt especially if you are someone who takes set-backs hard or wants to see improvements faster than they are happening.

  1. Reading
  2. Singing
  3. Exercise/Sports
  4. Hobbies- Do what you love
  5. Smile and Say Hello to strangers (It’s amazing what this can do for someone especially when they get a positive reaction from the recipient)


Debt Freedom


Before my wife and I became debt free back in 2014 one really cool thing we did was post motivational photos on our refrigerator. We didn’t stop there because we got happy with colourful sticky notes and left each other motivational messages in crayons. Colours are filled with happy thoughts…it’s a visual stimulation just as I hoped to achieve with the cover photo of this post.

Related: How we became mortgage free in 5 years

When I was working too much or was too tired and grumpy one of those vibrant sticky notes motivated me to smile and that was all I needed. Something as silly as telling me to drink a cup of coffee standing on one foot and trying to smile worked for me. Silly things but they helped keep me energized and focused on our financial goals.

Debt freedom is one of the best places the wife and I have ever been in our financial career. I call it a career because we work for debt freedom so we can live on this earth without any worry of eviction apart from death.

Keep eyeing up debt freedom and you’ll never turn back if you want it bad enough. The time you spend paying down debt will be paid back tremendously when it’s gone.


Financial Stress Relief


When the debt is gone you will feel the rocks on your shoulders lifted and you will finally be able to breathe again. So many people who are in debt up to their eyeballs are full of stress because they are too busy juggling money from bank accounts and using shops like cash convertors and payday loans to make ends meet.

Simply having student loans and a mortgage can be stressful for some people who may have lost a job or failed to save enough money in an emergency savings fund to back them up.

Related: How much money should you save in an emergency savings fund?

They may end up selling everything they own just to make a few bucks to get by for the month. It’s a scary situation to be in but for those who are when you finally get back on track and kill that debt you will soon see all of this stress vanish. You’ll wake up a new person and I can guarantee you that you will love yourself for caring so much about your future.


Fight to Win Financial Freedom


Motivational videos, books, blogs and other online options that focus on finance are a great way to keep you pumped up and eager to jump hurdles especially if you’re reading debt success stories.

Related: How we paid off $100,000 worth of debt

With anything that you want so bad in life you must work for it. If you plan to give up at the first sign of defeat you will always give up. There are always options even if they are less than ideal and but legal then do what you have to do to beat the system.

Paying down debt is empowering and you will soon start to feel debt relief little by little as you see your debt load reduce in numbers. Don’t worry about what anyone else is doing except you. That may mean you have to learn how to say NO to others and YES to yourself for once. Save your money, pay back debt and fight for financial freedom.


Talk It Out


Motivational speech whether it be with yourself or with someone else who has been through the debt game and won may be all you need. Keeping the motivational thoughts optimistic and positive will guide you down the right path.

Don’t invite negativity into your game plan or you are simply setting yourself up for failure. Keep telling yourself that you CAN do it and you WILL do it.

Motivational stories from financial success coaches who can offer you the push you require to get to the next level is a great way to even-out any set-backs you may be experiencing. You may fall when you hit a road-block or are trying to understand your next move and would like advice from someone you trust.

Even sending yourself motivational messages will help or offering yourself non-monetary rewards for reaching milestones that you set out when designing your debt repayment plan.


Increased Options


Motivation begins with goals and when you set out your goals it’s important to create another set of what I like to call, increased options.

With this list you will document all the ways your life will change once you are debt free. What new options will open up for you once you no longer have any debt?

Examples: Retire Early, Home Renovations, Savings Power, Investing Power, Vacation Power.

Write them out in detail so the positive allure of the increased options are heard loud and clear by yourself when you read them out loud. Do this often because if you forget along the way how your life CAN change you’ll need the reminder.


Do It Now and Forget the Excuses


I’ve given you some ideas of what worked for us when we needed the motivational pressure put on us while we were paying down debt. Don’t be alarmed by the word pressure because it simply means to trigger or turn on the green light so we don’t end up on a yellow light for too long or even worse stopping at a red light.

Exercise your right to propel your financial freedom plan.

How do you keep motivated while paying off your debt? Share your comments below.


Trouble I got into this week


goodbye august hello September

First off, I’d like to thank everyone who took the time to vote for Canadian Budget Binder for the 7th Annual Plutus awards. I was informed that we have been selected as a finalist in the Top Canadian Finance Blog category. I’m thrilled to be considered among so many amazing writers. Well done to everyone!

Good-Bye August…

That’s right August has come to a close and September is about to explode with Back to School and September Long Weekend activities. As the University and College students make their way into towns across Canada moving into residence or rentals parents are rejoicing their return to school even for the wee ones and big kids.

The nights are getting darker faster and the cool air makes it way through the open windows in our house. You can almost feel winter at your door. That won’t stop us from enjoying the Fall season which kicks off at the end of September. It’s one of my favourite times of year.

I’m working for the September long weekend for Labour Day so there’s not much going on at the CBB house apart from birthday celebrations for our little guy who turns 2. I’ll be the one whipping up a cake or muffins for this small event since it’s his third birthday party so far since the end of August. It’s amazing how fast time flies when you’re having fun. We will have a small gathering for a BBQ and party on Monday even though I’m on-call that day.

I’m now working 6 days a week again until the end of the year even though it’s not as many hours. I tried to get the schedule to work in my favour however it didn’t work so well this time around. Next time maybe.

This past week we made our way to African Lion Safari which our son just loved as did our friends who came along with us. At home we did lots of cleaning and arranging the garage once again. The tree was stripped of all the crab apples which means less clean-up for us this year.

That’s all the fun I had over my holidays! Oh we went to the relatives house and the cottage for a couple of days which was super relaxing.



Awesome posts I published this week


Just in case you’ve missed any of my blog posts this week I will share them all below. If you are looking for past Saturday Weekend Review posts scroll down to the bottom of this post where I will list up to 5 previous weeks for you to read.

If you have a question that you would like to ask Mr.CBB fill out the Contact Mr.CBB form on the blog home page and I’ll do my best to reply to each one. If you want to share a story via a Fan Question please ensure that there is minimum 500 words and lots of details…we love details! I’m more than happy to chat via email to bring your story to life.

New: If your story submission gets chosen and published you will be entered into a yearly draw for a $25 Gift Card or $25 CDN via PayPal if you are from the USA.

Right now CBB is posting Tuesday (Grocery Game Challenge), Thursday (Personal Finance Post), Saturday (Personal Finance and Weekly Wrap-Up and a Frugal Recipe on Sunday!

Top Post This Week: How to make money fast without going crazy

I’ve been on holidays the past 2 weeks so I haven’t posted a recipe the past 2 Sunday’s. This Sunday we’ll be back up and sharing more frugal recipes!


Reader Budget Brags


jens garage sale deals sept 2016 1Join the Budget Brag Challenge 2016 and WIN!!!

You got WHAT for HOW Much?

What I love the most is when my fans share their amazing shops with me whether it be groceries or other deals they find at a garage sale, online or freebies!

Send me your Budget Brag you will automatically get entered into a yearly draw for a surprise gift card. Every submission gets a ballot in the draw but you get an extra ballot if your brag is featured.

Start sending in your brags with a photo and tell me about your deals. If you reside in the USA and win I will PayPal you the money. Open to Canada and USA residents only.

Email me at canadianbudgetbinder@yahoo.ca

Look who’s back with another Garage Sale Brag! I’m sure Jen is tearing up as garage sale season starts to dwindle however that doesn’t stop this smart shopper from finding bargains.

Hi Mr. CBB,

Here are today’s garage sale deals;

  • Sketchers memory foam shoes (new!) $4 (asking was $5)
  • V-tech toy and toy vacuum $1 (asking was $1 each).
    Total spent $5

Jen Peacock

A V-tech toy alone can be worth well over $20 as well the vacuum. Great deals Jen!!


Making a difference (MAD)


Making A Difference Canadian Budget Binder MAD

Welcome to the 2016 Making A Difference series! Join the networking movement of Personal Finance Bloggers around the world. If you are a personal finance blogger (anywhere around the world) and would like your blog to be MAD featured simply drop me an email and I’ll explain the process to you. I’m currently booking for December.

This is my way of giving back to the personal finance community through networking and sharing knowledge with my fans. Today it is my pleasure to share with you the personal finance blog- Guy on Fire!

guy on fire logo 2

Hello everyone from the land of the free and the home of dysfunctional politicians. That’s right, you guessed it – Washington, D.C.

It’s an honor to have been asked to post on this blog; I am happy to share a bit about myself with all the CBB readers. My blog, Guy on FIRE (Financial Independence; Early Retirement), is relatively new as my first post was only a few months ago.

I am just an average 26-year-old millennial (hate that term) guy on a quest to leave Corporate America at an age many believe impossible. Sitting at a desk all day did not sit well with me. One day, I realized that there was more to life than wasting away in an office all day and being really, really ridiculously good-looking (kidding!).

Through frugal budgeting, thoughtful planning and pragmatic investing anything is possible. I plan to retire in my late 20s or early 30s to pursue my passions in life; biking, fishing, hiking, traveling, cooking and enjoying the simple things in life. This lifestyle is easily obtainable by developing multiple streams of passive income.

To all the retirement police out there – I probably will work in some capacity in ‘retirement’ but it will be for enjoyment and not the money.

My friends often seek my advice regarding financial matters and I am always happy to help. I use the blog for the sharing of ideas and to track my journey to financial independence. I hope the blog will inspire or help a few people along the way with their personal finances. I blog mostly on passive income, dividends, real estate investing, budgeting, minimalist lifestyle and other random ideas that pop into my head.

You can find me at GuyonFIRE.us if you are interested in learning more about passive income and FIRE (financial independence; retire early)


Frugal Recipe Pick


ricotta pancakes Food and grocery shopping are relevant to us because food is a large part of the budget which people struggle the most with.

We all have to eat to survive but just because we have a budget doesn’t mean we can’t eat delicious home-cooked meals that are drool-worthy.

If you are someone who would rather buy convenience foods consider cooking homemade meals or baking from scratch.

Not only will you save money but you will be proud of what you’ve accomplished and you’ll see that from the smiles on those you feed.

For the past 2 years I’ve had a second Facebook page called The Free Recipe Depot where I exclusively share recipes from Food Bloggers around the world. I also share recipes on the blog on Sunday either made by home cook and mom Nicola Don or myself.

This week Marina over at Let The Baking Begin has these Ricotta Pancakes that look like puff balls. I can’t wait to try these because they look like they will melt in your mouth. I can’t get over how puffy they are. Check them out!!


Cool Pinterest Find


diy cookie basket made from paper plate

I’m a huge cookie fan as many of you already know so when I stumbled upon this cool idea to make a cookie basket to share cookies in over at “It’s Always Autumn”, I was hooked.

The cookie is made from a white paper plate and decorated with ribbon as you can see from the photo. No more buying Dollar Store tins, I’m making these at Christmas time!


Editor’s Choice


Every week I will pick a blog post of the week from around the web that I found interesting and want to share with all of you. Please head on over and give the post a read and let them know that Mr. CBB sent you if you comment. Thanks.

Editor’s Choice (That’s me Mr.CBB) This week Financial Samurai puts out an interesting post about Things He’ll Teach His Daughter. The post revolved around Paying Attention To A Guy’s House and Not His Car. He starts off saying that the house to vehicle ratio was whack and goes on to say an expensive car may just be a smokescreen.

The beef of the post goes on about questions you should have answers for after a few dates to figure out if he’s the “One”. I believe if you want answers be direct and ask because there’s no point starting something that you know won’t last if it’s not what you are looking for. Why hide it or prolong it?

He ends the post talking about being your own independent person which is something I’m a huge advocate for. Don’t ever depend on anyone for financial happiness or your own happiness. When the water dries up and it may well happen as long as you can look after yourself you’ll be fine. A great read.


Spotlight on Finance


anyone can be rich

Anyone can be rich; it’s just a question of what rich means to you.”- Ramit Sethi

This quote is especially true since we don’t all want or have the same needs as each other. I wrote a blog post about what the word “Rich” means and for most it means feeling free from financial obligations. In other words they want to be debt free.


Google Search Giggles


Always begin and end your day with a SMILE!- Mr.CBB

Every week I get thousands of people visit Canadian Budget Binder because they did a search online and found my blog. If you notice any spelling errors below this is because I share the exact way it was typed into a search engine query to land on my blog.

  • Big Porno Binder– Haha, probably the best budget porno because it involves naked numbers!!
  • Where to dumpster dive in Ontario– Not that I advocate it as it’s illegal however the most obvious place would be a dumpster near you.
  • What is it like to be debt free- Amazing
  • Shoplifting food to eat- This saddens me but I know it’s reality. Please don’t get arrested for this when there are free resources available around Canada.
  • Best toppings for CHERRY Cheesecake– Um, cherries?? Lol

Most times funny, Sometimes serious.

That’s all the fun for this week, thanks for dropping by and we’ll see ya all again next Saturday!


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Bulldozer courtesy of SuperTrooper/freedigitalphotos.net


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