Yearly Banking Fees of $1000 Seniors Could Have Avoided : Net Worth Update 2018 March (+0.51%)

MONEY OUT THE WINDOW OR MONEY WELL SPENT- THE CHOICE IS YOURS!   You might be paying banking fees for every bank account you own whether it’s with the same financial institution or not. I know plenty of people who bank with several Big 5 banks and I’m not sure if they understand the costs of monthly banking fees and how it may be affecting their overall yearly savings power. Banking in Canada seemed fairly straight-forward to me when I arrived as a permanent resident. I was fortunate to set up my bank account at the time through President’s Choice Financial since my wife banked there but before I moved to Canada. It made life far easier for me especially when I needed to transfer money from my UK bank account to my Canadian bank account. What I loved about PC Financial what is now known as Simplii Financial Canada was that there were no banking fees. We didn’t have to pay for cheques either. If we had any issues we could make a phone call or visit any Canadian Imperial Bank of Canada (CIBC) for help. In total since I moved to Canada over 10 years ago now we’ve […]

Building Wealth Starts When You Stop Making Poor Financial Decisions

You Don’t Need To Be Embarrassed By The Way You Manage Your Money If You Do It Right.   Building wealth seems to be the target for just about everyone unless you don’t mind struggling for money to pay the bills and retire comfortably. At least once a week I get an email from a fan who tells me they are tired of being broke, have lots of debt and want to start building wealth now rather than later. Not only is that a smart idea it’s the beginning of a journey back to square one where you get to clean your financial slate and do it right. Are you embarrassed by the personal finance decisions that you are making? You should be if you’re making simple mistakes that are causing you to spend more money than you should be especially when you have technology at your finger-tips. Rate comparison for everything is available to us but when it comes to financial rate comparison it takes a back seat to everything else. Related: Stop blaming the government for all of your debt problems. Not having money and surviving on a low-income or struggling with a high debt-ratio can be embarrassing […]

grocery game monthly challenge

A Smart Shopper Guide To Prepare For The Grocery Store : The Grocery Game Challenge 2016 #4 Mar 28-Apr 3

GROCERY SHOPPING WITH MR. & MRS. CBB + Jr.   If you want to become a smart shopper plan to invest time into your grocery shopping experience otherwise you’ll be spending money you don’t need to spend and saving less than you should be. Knowing the ropes when it comes to the grocery store is a big deal especially if you are on a tight budget. A fan asked me how they could become a smart shopper like my wife and I have become over the years which caught me off guard. I thought I’ve shared just about every smart shopper trick that I could think of over the years but I haven’t shared exactly what we do. I’m putting together this post to share how we go about grocery shopping to keep our monthly budget at $235 a month for 2 adults and one toddler. I hope by the end of reading this post you feel as if we all grocery shopped together. My aim is to virtually take your hand to have you become a smart shopper by following grocery tricks we’ve learned over the years. Related: The Ultimate Grocery Shopping Guide (Become a Smart Shopper with tonnes […]

grocery game monthly challenge

The Best Canadian Grocery Stores To Shop At : The Grocery Game Challenge 2016 #2 Mar 14-20

THE TOP GROCERY STORES IN CANADA ARE IN YOUR NEIGHBOURHOOD   There are so many Canadian Grocery Stores that it can get a bit confusing trying to figure out where to shop to get quality products while saving money to stretch those grocery dollars. Then there are shoppers who don’t care about saving money because they are committed to shopping at one grocery store even if they have to pay more money for products they can pay less for somewhere else. Related: Are you a grocery store snob? When I first moved to Canada 8 years ago I had no idea about Canadian Grocery Stores let alone where to begin shopping. Grocery store prices differ from shop to shop and with that comes differences in product quality and availability. Depending on where you live in Canada you may be blessed with local markets like the St. Lawrence Market in Toronto or St. Jacobs Farmers Market in St. Jacobs. Just about every nationality has a market/shop that sells products from the homeland especially in Toronto which is great to buy hard to find products for new recipes. Related: How to enjoy Gourmet Food on A Tight Budget Outside any city you […]

grocery game monthly challenge

The 5 Most Important Food Shopping Features In A Store: The Grocery Game Challenge #1 Nov 3-9, 2014

FOOD SHOPPING IN YOUR WORLD   I’m sure if I asked you about where to buy food in your city you could come up with a list of grocery stores where you do your weekly food shopping or maybe just one that is above the rest. The problem is not every store is created equally starting from the family owned grocer to grocery store chains. This makes food shopping tricky for those that search out foods that meet or exceed their expectations but there’s more to the food when shopping that appeals to people. Unless you buy your groceries online or get groceries delivered there must be something about that hidden environment you don’t see that is important to you. Do you wonder how and where the products you buy are stored? You can’t see that when you do the above but it might be important to you.   Food Shopping Experiences   We met up with some friends tonight and the topic of grocery shopping came up and no I didn’t bring it up. They mentioned how dead Target was every time they went in and how less than happy they were with shopping at Wal-mart. The Wal-mart is […]

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