Ontario Budget 2016 Will Affect Your Household Budget : The Saturday Weekend Review #161

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ROLL OUT THE FINANCIAL RED CARPET   If you don’t think your household budget will be affected by the Ontario Budget 2016, think again. For the most part there are your typical increases but with every extra dollar spent that’s money you must account for. The new Ontario Budget 2016 lit up the internet and social media on Thursday when highlights of the new budget were announced. To be honest I wasn’t sitting by the computer waiting for the new Ontario Budget it kind of hit me in the face. It generated such a buzz that my Twitter and Facebook feed was littered with posts and comments. So over a cup of coffee I read article after article about the pros and cons but the bickering between students was outrageous on some Facebook pages. When money is concerned you can’t please everyone and the government knows this. You’re almost taking from one pot to fill another and hoping that they balance themselves. The deficit for 2016-17 is projected to come in at $4.3 billion and be reduced to zero the following fiscal year Ontario’s net debt will hit $308 billion in 2016-17, the largest of any sub-national jurisdiction in the […]

This Simple Living Concept Allows Us To Save Thousands

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MOTIVATE YOUR FINANCIAL VENTURES BY MOVING FORWARD   Simple living doesn’t mean that you can’t enjoy all the frosting that life has to offer in order to live a better today for an amazing tomorrow. You can! Just about everything we do today will in part affect the outcome of our financial future and some people worry about whether they have done enough to get them to the finish line. I’ve blogged for a few years now and ever since the beginning there has been one simple living concept that I have encompassed our entire financial path around because it works, a budget. The concept of budgeting for us revolves around this saying which I created years ago which is also pasted on our refrigerator door. It’s not about how much money you make it’s how you save it – Mr.CBB I received an email from a reader who is looking for some insight about investing and her financial future and motivation about not finding this blog earlier. Dear Mr. CBB, About 9 yrs ago I moved from Europe to Canada. It was always a big dream for me to live abroad and when I turned 30 I realized my […]

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8 Gross Things That Turn People Off Your Food : The Grocery Game Challenge 2016 #4 Feb 22-28

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YUCKY KITCHEN MISTAKES EVERYONE WILL NOTICE   You may not even realize that you are doing some of these gross things in the kitchen while you are cooking but your friends and family will, so stop it before no one wants to eat your food. When you go to a party or enjoy the fun of a pot-luck you don’t get to see how the food was prepared which is probably just as well because I’m sure many of you might not want to eat the party food. The same goes with working in a restaurant but at least there are health and safety standards that must be followed or at least put in place for the staff to follow. Not so much with the home chef.   Some things need to be kept private   For the love of all things food please don’t tell me all of the places you had sex in the kitchen. If you used anything that you will be preparing my meal with during your kitchen adventure at least tell me you tossed it in the bin. I’m not joking, a friend told me this happened to him once and I didn’t know […]

Sweet and Sour Meatballs with Pineapple

sweet and sour meatballs over garlic rice

FOR ALL THOSE TIMES YOU WANT COMFORT FOOD THAT SENDS YOU INTO YUM MODE…PICK THIS RECIPE! Don’t pass by this recipe frugal foodie fans because sweet and sour meatballs are on the menu and I’m almost certain I’ll have you wrapped around a bowl by the end of this recipe. Everyone loves meatballs unless your vegetarian and unfortunately this is a meat-lovers recipe today. One meal my family just loves including our toddler is sweet and sour meatballs over garlic fried rice. Over the years my wife and I have experimented with various kinds of meatballs but always go back to the tried and true original Nonna’s Italian meatball recipe. The great thing about having a standard meatball recipe is that you can use it as a base to add other flavours on top like we did with the sweet and sour sauce that has brown sugar, ketchup, Franks Red Hot Sauce, sweet pineapple and few other ingredients that bring together a delicious sweet yet sour coating for the meatballs. Meatballs are delicious fried or baked on their own, soaking in pasta sauce, dripping in a honey garlic glaze or coated in sweet and sour sauce. Sweet and sour […]

Daddy, how much do you make an hour? : The Saturday Weekend Review #160

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IS THE MONEY REALLY WORTH IT TO YOU?   Sometimes kids come up with the strangest requests when talking to their parents but when your child is begging you for attention you know that something must change. Becoming a daddy to a little boy was something I never expected would happen because doctors said we had under a 1% chance of getting pregnant, but we did and my life has changed so much. Our lives have changed, but for the better because we have this amazing little guy in our lives who makes us smile every day. When my wife was in the hospital I took care of our son day and night because of medications she was taking plus she was pumping breast milk around the clock as our son could not latch on because of an upper lip tie and tongue tie . It was a long week in the hospital but in that week I bonded with our son experiencing love in a way I never thought was possible for a child. Those little hands, those big eyes and that smile captured me in a way I never thought possible. What was this love I was feeling? […]

How to make money today and save it for tomorrow without going bonkers : January 2016 Net Worth Update (+0.48%)

MONTHLY NET WORTH UPDATE

TREAT YOUR CASH LIKE A MONEY PLANT AND WATCH IT GROW BUT EVEN A PLANT CAN DIE…RISK!   Retirement should always be on your mind or at least at the back of your thoughts because if you want to enjoy the fruitful golden years you need to make money today and save it for tomorrow. Does that mean we should shy away from investing in our future if all of our retirement plans can get flushed over-night? No, I don’t think so but I do believe that Canadians need to be aware of what is going on out there and stay on top of their investments which includes their house. A whopping 26% of Canadians feel they are in a worse financial position than they have been over the past two years according to a recent Manulife poll. I’m not surprised with the way prices are go up, incomes not moving anywhere but down and consumer debt on the rise. Every month we review our investment portfolio online to check performance, some days are good other days are better. There will be days,, months and maybe even years that are crap but you can’t predict everything even if you are […]

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10 Smart Ways To Trim Daily Expenses on Travel Food : The Grocery Game Challenge 2016 #3 Feb 15-21

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TRAVELLING IS NOT AS CHEAP AS EVERYONE THINKS…BUT IT CAN BE!   One of the toughest parts about creating a travel budget is planning a food budget for your travelling experience. Whether you stay in a hotel, resort, or you hop in your vehicle for a road trip daily expenses of food must be accounted for or even estimated to keep a tight budget from exploding. Here are ways we’ve learned to save money on food while travelling that we want to share with you so you don’t make the same mistakes we made along the way. Not everyone uses a travel budget when going on vacation which means the grocery budget or entertainment category may be the next two logical places to carve a bit of money from. The reasoning behind using the grocery budget is because if you’re not home to buy groceries you spend that money on travel food. Makes sense to me if it’s a simple road trip but a destination holiday may prove a bit more costlier. Related: How much should my grocery budget be? Most travellers are so focused on planning the trip that they put food on the back-burner because it doesn’t seem […]

No-Bake Sugar-Free Peanut Butter Squares (Low-Carb)

NO BAKE SUGAR-FREE PEANUT BUTTER SQUARES

A SUGAR-FREE DESSERT RECIPE FOR ALL OCCASIONS Not everyone can enjoy sugar-laced treats especially when there is a holiday such as a Birthday, Christmas, Easter and even Valentine’s Day. There are however some amazing sugar-free peanut butter squares that I want to share with you today that I adapted from a recipe I found online. My wife no longer consumes sugar and with Valentine’s Day coming up I wanted to surprise her with something sweet that I knew she would love. She’s a peanut butter enthusiast even though I’m not the biggest fan I must say that these sugar-free peanut butter squares are pretty amazing. It’s important that you buy unsweetened, no-salt peanut butter for the recipe. Peanut butter traditionally has quite a bit of sugar so make sure you read the labels carefully. How much sugar is in peanut butter? Even though your sugar-free peanut butter is only crushed nuts you will still have 1 gram of natural sugar per tablespoon (15g) and 3 grams of carbohydrate. If you can buy organic peanut butter that is unsweetened and just crushed peanuts…even better. You’ll pay around $5-6 a jar. The coconut oil we use is Grace premium virgin coconut […]

Family Day Fun In Our House Goes Like This : The Saturday Weekend Review #159

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FAMILY FIRST…TOUGH WORDS TO LIVE UP TO WHEN WORK KEEPS YOU AWAY   Family Day Fun is not something you pay for, it’s something you create together with the people who mean the most to you. There’s a statutory family holiday in February and it’s called Family Day… how will you spend your day? This will be my eighth Family Day in Canada and every year I learn something more about this beautiful country I call home. Today I’m going to share with you what I’ll be doing with my precious family this Family Day whom I love and miss when I’m not home to spend time with them. I’ve learned that even if you are tired and feel you can’t go on the love of your family always makes you go the extra mile.   Family Day Stat Holiday   You don’t need kids to enjoy Family Day fun either. Couples all over Ontario are finding ways of enjoying the holiday with just as much excitement as parents are with their kiddos. Family doesn’t mean “blood” either it can be anyone you consider to be part of your family. Family Day in Ontario is this coming Monday, February 15 […]

A Balanced Budget Doesn’t Make It Unbreakable : January 2016 Monthly Budget Review

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BALANCE IS NEVER A STEADY VARIABLE IN FINANCE   I often hear that a budget is ready to go once it is balanced but a balanced budget doesn’t mean that it can’t incur hiccups along the way. Someone asked me how we could possibly budget every single month. “Isn’t it time-consuming?” After a bit of practice it gets easier BUT is your life not worth the effort? Think about that for a second. Anything you do to better your life IS worth it. It’s not hard to make a budget look pretty with colours and numbers but numbers are like credit, once you spend it you are stuck with it. You still have to pay it back. What I’m trying to say is that anyone can say they have a balanced budget and still screw it up. Too many people rely on a fixed balanced budget and ignore it for the rest of the year as if it’s bulletproof. This is a huge mistake in my opinion because when it comes time to review your budget the last thing you want to find out is that you messed up along the way and didn’t pick up the broken pieces. Even […]

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Should You Buy Into The Costco Membership Consumer Hype? : The Grocery Game Challenge 2016 #2 Feb 8-14

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COSTCO WHOLESALE STOCKS YOU UP BUT DOES IT STACK UP $$   Put away your coupon binder if you plan to shop at Costco as they don’t accept manufacturer coupons because they have their own coupons and promotions for private members. They also boast having the best deals because their buyers are able to negotiate great prices. Just how great are these prices though compared to your typical grocery store paired with sales, coupons and coupon apps? Let’s find out…. Related: How to chop everyday food prices without coupons I think not owning a smartphone and Costco membership at the same time either means you’re very frugal, don’t see the benefit or there is no Costco location nearby so there’s no point considering if there are any budget savings to be had. I don’t have either BUT we do have a Costco very close to our house so we wanted to see if there was a benefit for us to stop in and shop on my way home from work. What I found interesting was that Costco motivates shoppers who entertain saving money by buying in bulk every frugal persons’ dream but they also offer a Costco Concierge Service. Can […]

Travelling Tips You’ll Want To Read Before Boarding : The Saturday Weekend Review #158

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DON’T MAKE TRAVELLING MISTAKES YOU’LL REGRET   Traveling around the world was on my bucket list in my 20’s and although I’ve been to many places such as Iceland, Thailand, Spain and Portugal (just to name a few) I’ve learned a few travelling tricks along the way. I always made sure to arm myself with all securities because the last thing I needed was to end up dead, injured, stranded or without my valuables because I made the wrong choices. Travel insurance is a must when you are travelling out of country anywhere, even to the USA. At the least talk to your insurance company to see if you need additional coverage. If you think nothing can happen, think again. Friends of ours recently went travelling to Mexico for a 2 week holiday after celebrating their first wedding anniversary. They actually got married in Cuba but thought travelling to different destination spots every time they vacationed made more sense. I don’t blame them because the last thing I’d want to do is travel to the same resort or country over and over unless I wasn’t finished with the original trip. In most cases you may have more tourist spots that […]