Waiting For A Living Wage To Start Budgeting Is A Bad Idea: The Saturday Weekend Review #252

MONEY IS YOUR BOX AND A BUDGET IS YOUR KEY TO FINANCIAL FREEDOM   Understanding the difference between a living wage and minimum wage is just as important as knowing your financial numbers from start to finish. Just the other day on Facebook I was reading through the comments after a sponsored post by a popular budgeting app popped up on my screen advertising their service. I suppose reading what others think about budgeting is important to me since this blog revolves around budgeting and frugal living topics. Two of the most important comments I wanted to talk about today which I read stuck in my head because I wanted to speak up and tell them, don’t wait for a living wage to budget, do it now. I’m not budgeting until I have a living wage Why should I pay to use a budget when I’m broke Your debt costs more than you think once you factor in all the interest calculated over the term of paying it back. In fact reading the bottom of your credit card statement might just shock you when you see how long it would take to pay off whatever you charged. Go have a […]

Bidding Wars Net Homeowner $60,000 Over Asking Price Before Open House : The Saturday Weekend Review #172

COMING SOON: MULTIPLE OFFERS, BIDDING WARS AND A BULLY OFFER   I suppose selling your house the second time around can be financially rewarding as it was for friends of ours who finally sold their house after having multiple offers which caused bidding wars and all before the first open house. The quiet sought-after area in the Greater Toronto Area where they live rarely has houses come up for sale but that doesn’t mean they WILL sell when they do as our friends found out last year. After a failed attempt at selling their house in early 2015 they gave it another shot this past month to see what would happen. This time around though they took the advice from the potential home buyers who came to their open house when they tried to sell in 2015 for $400,000 with no offers in sight. The house was certainly not over-priced however it needed some work doing to spruce it up more than they already had. Their real estate agent didn’t do the job they expected so this time around they hired a woman who came highly recommended to them. Before they signed any legal and binding papers with her they […]

grocery game monthly challenge

11 Ways to Feed Your Family When You Have Little to No Money : The Grocery Game Challenge #3 Aug 17-23, 2015

I’LL NEVER LET MY FAMILY GO HUNGRY BECAUSE I LOVE THEM   We hear it more on the news these days about parents who have no money and feel that shoplifting is their last resort to put food in the stomachs of their children. It shouldn’t be this way. There is so much food on this planet that no one should ever have to starve, but they do. A CBB fan emailed me looking for tips about how she can feed her family of 4 during the months she has no money and the cupboards are bare. She is a single mom who relies on social assistance for money every month but that money is met with bills and earlier credit card debt she is still trying to pay off. Her comment about not letting her kids starve because she is poor pushed me to talk about this topic because it’s real. It’s heartbreaking to see children go without food for days or parents who give up eating for their children. They get shunned for not having a decent paying job (what is decent these days?), an education or for having habits that cost big dollars. Let’s not forget parents […]

grocery game monthly challenge

When you see someone stealing food: The Grocery game challenge #4 Feb 24- Mar 2, 2014

DON’T GET CAUGHT STEALING   I hope I don’t ever have to witness someone stealing food at the grocery store but the reality is that theft at the grocery store happens every day. I don’t have to define stealing to anyone because we learn from a young age that if it doesn’t belong to us we don’t touch it and if you don’t pay for it then it’s not yours, full-stop. Have you ever walked out of a store and the alarms at the door go off because one of your products has a magnetic strip that wasn’t scanned? Or you did steal something and got caught… oh, now what? The alarms going off have happened to almost anyone and the first thing we do is shake our heads and say… I don’t know I paid for everything? We are in a stunned state. I’m to the point where it’s happened so often i just walk back and have them check the products again. A friend of mine had this belt he wore and it set off the alarms at every shop we went in. He got so embarrassed one day in the mall that he took it off and […]

%d bloggers like this: