The High Costs of Newborn Photos and Birth Videos

MONEY WELL SPENT   I guess you could say I’m a pretty frugal person most of the time. I don’t like to spend money on new cars, expensive meals out, or lifestyle inflation. But, when it comes to spending money on experiences, making memories, or my boy-girl twins (the beans) I’m willing to make bigger investments here and there. To me, making memories with my family and taking care of the beans are the most important things in my life. This is how I choose to spend my money – not on “stuff” but on memories. With that said, when I got pregnant last year, I knew that I wanted the full experience of newborn photos and possibly even a birth video. I also knew that these things would not come cheap at all. In fact, paying for professional photography and videography is often one of the largest and most under-budgeted expenses for life events, like weddings and births.   Newborn Photos and Video Costs   When I began looking for a newborn photographer, it was very tempting for me to try to be frugal about it. I wanted to get photos taken, but I didn’t want to spend the […]

Child Budgeting: Teach Your Kids to Respect You and Money

FINANCES FROM A YOUNG AGE   Growing up, my parents hated shopping for me. It was stressful and usually led to rushed purchasing decisions. They would rather spend $300 now to get it over with than spend $200 after shopping around and researching. Now I always wanted more money growing up. So I realized I could both solve their problem and satisfy my desire for more cash. I asked to be given money instead of things. $200 for back-to-school clothing, $20 for school supplies, whatever the occasion, I preferred cash. If they didn’t want to shop around and do the research, I would – and I would feed my piggy bank the money I saved. My parents cheerfully agreed. However, reading CBB, I know you are already budget conscious. So you’re not like my parents who rushed their purchasing decisions. I’m looking to solve a different problem for you – your kids’ lack of interest in budgeting.   Child Budgeting   Child budgeting means your children are budgeting for their own lives. They are taking care of themselves. This can start as early as you feel appropriate. I began at age 13 – a little late because that’s when I […]

Should you trade, sell or donate unwanted sample freebies?

YOUR BEST DEFENSE IS TO BE INFORMED   Freebies means you don’t have to pay to try a product that you might not have otherwise bought but what happens when you don’t want the freebie? Do you sell it, trade it or give it away? Today I have a mailbag CBB Fan question that came in that I thought I would address based on my opinion and nothing more. As much as I love getting fan mail one thing I don’t do is give advice on what you should and shouldn’t do. I leave those decisions up to you because in the end the only person who is held responsible for actions taken, is yourself. If you don’t know the answer to a pressing question your best bet is to contact a professional or service that can provide you with the answers you are looking for.   Dear Mr.CBB There has been so much controversy online and on mommy groups about parents who sell freebies that they get from freebie sites online such as free clothes, free formula samples etc. that it’s becoming difficult to know what’s right and what’s wrong. It’s not something I’ve done personally but it has […]

The costs of fertility treatments to create a miracle

A  STORY OF A COUPLES STRUGGLE   Fertility treatment centers across Canada are visited every day from couples who are struggling to conceive. Each week I find that someone is coming to the blog looking for answers on the costs of fertility treatments, ovulation tests, what infertility is, fertility calendars, fertility calculators and so on. The reality is there are not always any real answers and the doctors will put you through a series of tests and medications that will cost you out-of-pocket if you don’t have the benefits coverage to pay. Many couples will go into debt or use their life savings for an ounce of hope and stop at nothing from re-mortgaging their homes, borrowing money or using credit cards to fund fertility treatments. Sadly, not every treatment has a happy ending and costs can mount up month after month, year after year. If both your fallopian tubes are blocked In Vitro Fertilization (IVF) is not covered under OHIP but the province of Ontario will cover a portion of the costs of IVF but when they say a portion it’s a small portion. Update: Oct 1, 2015 If you are under the age of 43 treatment for IVF […]

How I keep my kids entertained for free

Fun Doesn’t Have to Cost a Dime   While I don’t mind paying for an experience with the kids the cost of entertainment can easily escalate taking more money out of your wallet and budget than you may actually be able to afford. How many times have you gone somewhere and after snacks, amusement rides and souvenirs you have spent a lot more money than you anticipated beforehand? No matter the season or the time of year having fun with your kids doesn’t have to cost you an arm and a leg. There are many things that you can do free of charge to keep your little kids occupied. These explorations will teach children life lessons or help them to expand their creative imagination while having some fun at the same time. While you may not always have a souvenir the memories made and the bonding time between parents and kids will last longer than any souvenir you could buy. While playing soccer, baseball and other sports with your kids is definitely time well spent explore your creative side and see what other ideas you can come up with.   Get Outdoors and Explore   There is so much to […]

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