BACK TO SCHOOL IN STYLE, COMFORT AND UNDER BUDGET Whether your child is heading back to school or starting elementary school for the first time in kindergarten there are costs that need to be budgeted. When our son made his way to his class lineup on the first day of junior kindergarten we couldn’t stop… Read more
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Why Financial Security Should Be Priority : Net Worth Update July 2019 (+0.56%)
EVERYONE DESERVES PEACE OF MIND WHEN IT COMES TO THEIR FINANCIAL SECURITY When you are financially stable you have all your ducks lined up in a row however financial security offers you a grip on your ducks. Life is not as simple as it is made out to be unless of course money doesn’t matter… Read more
How To Handle A Late Rent Payment (Free Printable Late Rent Notice)
BOTH LANDLORD AND TENANT HAVE RESPONSIBILITIES WHEN ENTERING INTO A RENTAL AGREEMENT In Ontario, a landlord can end the tenancy for non-payment of rent, consistently paying the rent late or not paying the rent in full each month. Most tenants who rent pay monthly and when you have a late rent payment you better have… Read more
Simple Keto Chaffle Waffles
WELCOME THE CHAFFLE TO THE KETO WORLD OF GOOD EATS The very first thing everyone says is, “What’s a Keto Chaffle?” as did I when I first came across it on social media. All of a sudden last week we started to see photos of a Chaffle pronounced CHAW-FFLE like WAFFLE. What Is A… Read more
5 Simple Rules To Get You Retirement Ready : July 2019 Budget Update
YOUR MONEY IS JUST AS IMPORTANT AS YOUR HEALTH I was retirement ready years ago but only because I’d rather not be working and instead of travelling. However, I was not in any financial shape to say adios to my employer and honestly, I probably won’t until I’m in my 60’s. With a defined benefits… Read more
5 Ways The Wealthiest People Become Rich
IT’S AMAZING HOW EASY IT IS TO INCREASE YOUR WEALTH The wealthiest aspects of life come from what you put in which is why some people become their version of rich. It’s not just any rich it’s a wealth that we experience on an individual level that others may not understand. Someone who is in… Read more
How Growing Up Poor Shaped My Financial Future : The Saturday Weekend Review #285
GROWING UP POOR MEANT MAKING ENDS MEET AND THAT’S IT In 2015, 1 in every 8 Canadians (12%) lived in poverty and since then Canada has invested in the social and economic well-being of Canadians with a Poverty Reduction Strategy. Growing up poor in Canada as a child impacts all facets of life but it’s… Read more
How To Deal With A Debt Collector You Can’t Pay
THE DEBT COLLECTOR WILL COME FOR YOU IF YOU OWE THEM MONEY The debt collector is also known as the bill collector who will stop at nothing to get the money that you owe to pay off your debt. In Canada, there are laws that must be followed when a debt collector contacts you and… Read more
How To Prepare And Pack For A Move : The Ultimate Guide (Free Printable Checklist)
Things You Should Know About Moving BEFORE you Move And How To Make Your Move Efficient And Cost-Effective I’ve had to pack for a move a few times in my years so I know how stressful it can be and costly as I’ve experienced the good and bad. When I was 21 I bought my first… Read more
Best Keto Crispy Baked Chicken Wings
KETO CRISPY BAKED CHICKEN WINGS AT HOME ARE SO EASY TO MAKE The best-baked chicken wings are here and I’m not the one who eats them in our house, it’s my wife who follows a keto diet. We used to buy deep-fried Chinese chicken wings when we’d order Chinese takeaway or wings with pizza but… Read more
The Ultimate Guide For A Stolen Or Lost Wallet (Free Printable)
Tips For Handling A Stolen Or Lost Wallet In Canada If you keep losing your wallet or are worried about a stolen wallet there are things you can do to protect yourself. You’ve lost your wallet, now what? There are also things you can do if you find a stolen or lost wallet to helping… Read more
How To Budget For Car Maintenance Costs
CAR MAINTENANCE IS A BUDGET EXPENSE YOU CAN’T IGNORE Purchasing a vehicle just because you can initially afford it or the monthly payments is only part of the process as a responsible owner. Next to buying a home and getting a mortgage purchasing a vehicle is the second most expensive budget cost for everyone. Sorting… Read more
How To Retire With Little Money In Canada :The Saturday Weekend Review #284
FRUGAL RETIREMENT LIVING MEANS ADJUSTING TO THE LITTLE MONEY YOU HAVE AVAILABLE Most Canadians will have little money for retirement unless they invest on their own while they are younger. That’s the reality. Living well in retirement has its own definition based on the people who are living it but for the most part, you… Read more
5 Steps To Begin Improving Financial Stability : Net Worth Update June 2019 (+0.87%)
THE FIRST STEP TOWARDS FINANCIAL STABILITY IS YOU! Improving financial stability does not start with earning more money because this will NOT solve your problem. Over 1 in 10 Canadian households are late or skipping debt payments according to Stats Canada’s Survey of Financial Security. I often feel the anger so intensely when reading comments… Read more
How To Write A Powerful Complaint Letter (Sample Letter)
A complaint letter is far more effective if it’s written in steps that outline exactly what outcome you are looking for. I’ve written a complaint letter or two in my time and as a result, I’ve had some pleasing surprises and some not so favourable results. There are a few reasons for both getting what… Read more
Easy Sugar-Free Mulberry Jam (Keto)
BLACK MULBERRY JAM IS ONE OF A KIND AND TAKES MINUTES TO MAKE Sugar-free mulberry jam and made without pectin and perfect for those on a Keto diet or for diabetics. At the start of July in Ontario, Canada our Mulberry Tree is full of sweet, juicy black mulberries. If we don’t harvest our mulberry… Read more
How To Effectively Deal With Personal Financial Turmoil : June 2019 Budget Update
YOUR SAVINGS MAY NOT COVER THE BIGGEST CASH CRISIS OF YOUR LIFE Financial worries can cause increased stress which can cause a huge impact on mental health and blanket personal financial turmoil. Being broke doesn’t mean that you are in debt but when you have debt and you’re broke that is cause for alarm. In… Read more
Efficient Tips and Tricks to Make You an Expert Traveller
BECOMING AN EXPERT TRAVELLER IMPROVES YOUR HOME AWAY FROM HOME EXPERIENCE One thing is certain: Canadians love to travel! However, most people aren’t born expert travellers. It’s just something you gain with actual on-the-road experience. When travelling, there are many things to be considered, such as what to pack, how much cash to take, what… Read more
Avoid The Debt Trap With My 5 Best Tips : The Saturday Weekend Review #283
BEFORE YOU KNOW IT THE DEBT TRAP CAN SNAP YOU UP The debt trap is so easy to fall into that many people aren’t aware they are in it until they cannot keep up with the bills nor balance their budget. Last night while waiting for Mrs CBB to wander around the kitchen section at… Read more
How to Choose A Hobby that Won’t Cost You the World
THERE’S SO MUCH TO EXPLORE WHEN YOU FIND THE RIGHT HOBBY For some reason last week I thought to myself, “I need a hobby” and that’s because I’ve downsized my time. When you’re planning a budget for the week, month or even year, it’s important to factor in time for a hobby. Saving money doesn’t… Read more
11 Inexpensive Summer Water Play Activities For Kids
WATER PLAY ACTIVITIES YOU CAN BUDGET FOR THE ENTIRE FAMILY As soon as the summer heat and humidity arrives in Canada the kids just want water play activities to get wet to cool off. There are lots of things to do in the water as long as you have a creative imagination however most kids… Read more
5 Cheap Living Tips For Financial Freedom
CHEAP LIVING BECOMES A PART OF LIFE THAT YOU HOLD ON TO Being thrifty and incorporating cheap living tactics into our budget has changed our life drastically. At least twice a week I wake up and wonder how we managed to save enough money before we turned 40 to allow us to live debt free…. Read more
Easy Egg Drop Soup In Chicken Bone Broth (Keto)
A SIMPLE EGG DROP SOUP KETO-FRIENDLY RECIPE IN 15 MINUTES. Egg drop soup was what I needed and I made it in under 15 minutes from pot to table. I hadn’t set out to create a keto egg drop soup recipe until one of my readers mentioned that she was having it for dinner…. Read more
Survive Life After University With These 8 Tips
WHEN YOUR UNIVERSITY EDUCATION IS DONE, LIFE REALLY BEGINS If you thought figuring out what to do after high school was hard enough, trying finishing university and then wondering what do you do. After high school, you’re still on the border of being a teenager and a young adult. After post-secondary school, though, you’re a… Read more