My name is Debbie Geary and I started using coupons around September 2011. Like every other family we would simply shop the flyer sales and get what we needed for the week. Coupons was saving us some cash but I really wasn’t sure how much. I thought I was doing well couponing but I had not tracked any of my savings. I felt it was very important to know how much I was actually saving using coupons to weigh the benefits. I decided that I would design a spreadsheet for tracking my coupon savings in 2012 which I use weekly. After discussing the savings with my husband, we decided that we would move what money I had socked away from using coupons over to a separate savings account….for a rainy day. Fast forward to April 2012. Time for the pets’ annual checkup. Our beloved family pet Beagle Molly has become obese over the years and now she needs to get some blood work done so the doctor can evaluate what the problem might be. You see we’ve tried every solution we could to help Molly lose some weight but nothing helped her. Turns out she has hypothyroidism and will be on medication […]
Paid By Cash- The New Addition For Our Family Home!
Guest Post By: Cynthia Guptill for Canadian Budget Binder Hi My name is Cynthia Guptill and our story starts back in 2007. Join me on our life’s journey to find out how we Paid Cash for our Dream Renovation. My husband Randy and I met in Calgary, AB, when we were out there working alongside everyone else during the economic job boom. After we married I got pregnant and we both decided that the cost of living was far too much to try to raise a family in the city. We had to make some decisions for our little soon to be family. At the time we were paying a whopping $1100 a month rent for a basement apartment that met our needs but was far too expensive. Soon after we found out about the pregnancy, my husbands great-aunt passed away. We later found out that she had left her lovely home to my husband in New Brunswick in her will. The petite home is very nice and boasts one bedroom, which was fine for the two of us. The problem was we had one baby on the way (Connor, now 5) and another baby soon after (Sadie,now 3). So, there were four […]
“Paid By Cash”- A New Ring For A Canadian Firefighter at CFB Edmonton
By: Heather Ferarr Mark and I got married in August 1996 at CFB Moose Jaw and purchased our first wedding rings at Consumers Distributing. If you are too young to remember Consumer’s it was a shop you could go into and they had catalogues where you could pick items you wanted to order or pick up. It was quite handy and convenient in those days. Consumers Distributing has since went out of business so those days are gone with computers and new technology brings a new era of on-line shopping. In the 80’s it was a big deal to place an order from the well-known catalogue especially at Christmas time. Now we raise the roof to find a deal on-line without leaving the comfort of our home. My husband Mark is a fire fighter with the air force and his profession has turned his wedding band into something less to desire. Mark is currently stationed at CFB Edmonton and our house has yet to sell here in Rural Nova Scotia. It has been on the market for one year now in hopes we sell to move closer to his work so we can all be together. I will be going to Edmonton in May to visit […]
Paid By Cash In Canada- Bought My EMMO Bike-My Dreams Came True
Guest Post By: Janice Dicker Janice submitted her “Paid By Cash” story to Canadian Budget Binder to share how easy it is to reach a goal when you put your mind to it! Saving is easier when you budget and think outside the box like Janice! About Us Hi my name is Janice Dicker and I would like to start out here and let you know that I’m disabled. I’m not ashamed of my disability and I’m working hard on trying to make ends meet with my disability pension along with my husband who is also disabled. Together we have a comfortable small house, a wonderful son, 4 dogs and a reliable car that gets us from point A to point B. The problem is this reliable car is costing us more money than we can truly afford. After paying the bills each month we use what money is left to buy groceries for the family. This is all the money we have and are unable to save for a rainy day. I’ve thought of ways that we could maximize on what we have to save some money and create an Emergency Savings Fund for when something would happen. I needed […]
A Cash Honeymoon Worth Waiting For- These Canadians are Off to Las Vegas…
I’d like to thank Stacey Grant for writing Canadian Budget Binder with her “Paid Cash” story for our fans to read. Stacey and her husband have learned quite a bit about money and savings and want to share this special story with you. Thanks Stacey! Mr.CBB Stacey’s Story We started budgeting in the fall of 2011 as my husband and I were sick and tired of being broke. Now don’t get me wrong, our bills were being paid, and we had nice things, but there didn’t seem to be any “Emergency Savings Money” We found out we were splurging EVERYWHERE, including spending around $120 a week at Tim Horton’s. You do the math that’s a whopping $1440 a year on coffee when we simply could have made it at home for less. The first things we were told about money and savings were; Always use cash to pay Get receipts for everything Within 2 weeks we had in excess of $400 in our regular banking account. After learning about debt stacking, we were able to pay our 2 credit cards off (at Christmas time I might add) and pay cash for everything we bought for Christmas. I also purchased Canada Savings Bonds […]
Paid by Cash In Canada- New Home,New Baby,New Garage Door Openers!
I’ve started a new Category devoted to my FANS who send me emails about how they paid cash for items they needed. Our first story today was submitted by Amanda Kosher who lives in Ontario. She tells us her story which is both inspirational and touching. Saving to pay for what you need in cash keeps you away from the dreaded evil credit monster. Thanks Amanda for sharing your story with the Canadian Budget Binder community! Cheers, MR. CBB Here’s Amanda’s Story: We sold our house in last year and purchased a bigger one in Ontario,Canada. The house we sold had all the bells and whistles. We lived there for more than 15 years so we had updated everything. We built on a deck added garage door openers, put in a skylight, a hot tub, you name it, that house had it all. Our new house was a newer built 3500 sq ft estate home, which the original owners began to upgrade but ran out of money. Although the home was new, big and beautiful, it had no deck, no garage door openers and no landscaping. Our situation not being like it was 15 years earlier where we could just do […]
