Bust our budget September 2013: Free Canadian Budget Binder Budget Spreadsheet

A Money Smart Budget Begins With You   If you’ve been waiting for my free excel budget spreadsheet for the past 2 years the time has come that you can now download it free. If you have been following Canadian Budget Binder and have read my budgeting series and are still not sure if you want to budget then at least download it and give it a shot for one month. I often talk to fans who email me for budget help but they don’t use a proper budget or one that gives them the data they need to make informed decisions. You don’t need a budget that is so detailed you get lost with all of the information, at least we didn’t. There are so many free budget spreadsheets available on the internet it’s not a one size fits all system. I don’t think there is any one “perfect budget” out there but you can customize an existing budget to fit your lifestyle. I’ve used many online budgets, printable budgets and the pen and paper version so if at first you don’t succeed, don’t give up. You can’t win the battle if you hang up the towel at the […]

March 2013 CBB Budget Update #3- A Quiet Month With The Budget

Well, here we are at the end of March 2013 with another budget update which with confidence I can say is a bit better than our February Budget Update. Sometimes it’s a good thing to have a quiet month with the budget because it helps to put things into perspective. Sometimes budgeting and saving money doesn’t always happen depending on what your priorities are that month. As an example, last month we saved no money in our emergency savings, a big fat zero. We actually spent more than we earned in February which can be discouraging but also motivating to do better the next month.This month we didn’t have any big-ticket expenses like our water softener that cost us over $1000 in February. We didn’t have alot going on this month in terms of expenses but we did pre-pay the full 20% of our mortgage of over $32,000 for the 2013 year which I will get into in an upcoming blog post. I’m expecting next month to be costly for us with having another installment of city taxes to pay and our hydro./water bill will be coming due. Other than that with spring and then summer just around the corner I will […]

December 2012 Canadian Budget Binder Budget Update

What happened in December in the CBB House?  Christmas and New Years have come and gone and now the bills are going to come piling in. Like many others December is a busy month for our budget although we do somewhat prepare for these expenses. We did go over in some categories like clothing for example where Mrs.CBB needed a new winter jacket and pair of winter boots. Both of which we were able to score for %50 off and they are a great quality product. Sometimes it’s worth waiting for those great boxing day sales in Canada. You can actually take that expense of $247.97 and double it and $495.94 would have been what we would have spent if not for the sales. Our gas was up slightly this month, not over budget but we spent more because we had to travel for the holidays. We also paid a bit more on the mortgage this month to make it an even $154,000 that is left to pay. Yes we have had the cash to pay that in full since last month. I’ll be talking more about this in the next little while. If you live in Ontario you know that […]

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