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Good for you. Putting yourself first is important and too many people put extra stress on themselves because they are worry warts focusing on everyone but themselves. Good for you giving up caffeine and now walking the dog. Do what makes you happy. Mr.CBB
1 year ago on My biggest Aha! money moment: Live a good life
Wow those are some hefty price tags on the bathroom and kitchen. I guess you would be working with a large scale bathroom and kitchen and top of the line materials. Thanks for sharing this post. Get well soon mate. Mr.CBB
1 year, 2 months ago on Five Renovations that Add Value to Your Home
I think keeping up with the spend less than we earn is always going to be our goal although there were a couple of months that didn't happen in 2013, mainly December. Best of luck this year.
1 year, 3 months ago on My Top 3 Financial Resolutions
Thanks for an amazing contest! It's great to see so many bloggers involved. Good luck everyone. CBB
1 year, 6 months ago on $1,200 Fall Cash Giveaway
Great post and you really do touch on many of the pros of working from home. i agree that it' great that people who work from home don't need to dress up for work and commute will save big bucks. I\m not a big fan of the open office environment either. I could never get any work done so thankfully I don't have to work in such a place. I suppose that environment for some is great and others torture.
1 year, 6 months ago on 5 Benefits of Working from Home
Great post Joe
If I look back there are certainly some areas I would change when it came to finances one being I would have kept my flat and rented it out. I lost lots of money selling it because today it would have been worth a small fortune to me lol.. compared to what I paid for it. Otherwise it's looking forward from this point forward.. debt free and happy! Cheers mate
1 year, 6 months ago on How Do You Stack Up To People Your Age Financially?
Although the costs of his education are high once he is done his income will or should be more than enough to cover those loans over time as long as you don't have more debt on top of it. i don't know how much money doctors make where you live but over here they aren't hurting for cash that's for sure. If you are a dentist or a lawyer... you're golden. I'd be more worried if I had 300k in school debt and a degree with no hope in hell of getting a job. I think you are both 2 financially smart people and you will knock that debt on the head faster than you can think because you want it gone. Well done to him for going the extra mile.. the world is always in need of more doctors.
1 year, 6 months ago on My Plan for Tackling 300k of Student Loan Debt
Have a great weekend mate.
1 year, 6 months ago on The Weekly Quick Hits Roundup
I went back to school as soon as I moved to Canada for the second time in my life. I went to University in the UK but my degree wasn't as recognized over here and I would have had to go back again to update. I didn't want to so I went back for something different. It took me 5 years but I finished and we lived frugally then as we do today but we bought a house instead of renting. If you want to go back there are so many things to consider. I was fortunate to have no debt at the time and no kids to worry about either.
1 year, 7 months ago on Thinking about Going Back to School? 5 Things to Consider
I think money can relieve the stress of worry and that brings the happiness. When we spend money it's just that instant gratification which for some is a happiness as well. Glad to hear you are in a good place now financially.
1 year, 8 months ago on I’m Pretty Sure Money Can Buy You Happiness
Financial Independence for me is being able to say I am fully in charge of my life and I don't depend on anyone to hold the fort up for me in terms of lenders, banks, credit cards, lines of credit. We have enough money to take us through to the end and we can live our lives stress-free and comfortable. Essentially having choices. :)
1 year, 9 months ago on Happy Fourth of July! What Financial “Independence” Means to Me
Wow, I don't think I'd ever make it to a coupon database with all the coupons we have here. We don't use them like we used to though but organizing them in the binder with dividers serves our purpose well. Like you we saved thousands but have since cut back as we don't stockpile as much. We just go through the binder once a month and discard expired coupons. It's simple enough for us and we already know what we have because we put them in there. When we want to pick out coupons we use baseball card pages from the dollar store in the binder so all the coupons are neat and in it's place. We pull out what we want if we don't want to take the binder. How long does it take you each week to enter all your coupons? Thanks for sharing this, I'm sure many will enjoy the organization of it in the spreadsheet and will be thrilled to find this. Cheers
1 year, 10 months ago on How to Organize Coupons Using a Database in Excel [With Download]
I think you are right to some degree that youth don't care about personal finance as they don't see how it applies to their life. My parents did teach me how personal finance applied to my life but having me purchased what I wanted out of the money that I earned after school, weeknights and weekends when I was young. Not all parents are like my parents though. I learned that if I wanted my money to grow I couldn't spend it and if I wanted something I needed to pay cash for it because where else would I get enough money to pay for it in full without the cash. That was my mindset growing up and still is today. I agree with you that if one wants to learn about personal finance the resources are out there and free just for the looking. Cheers mate.
2 years ago on Financial Literacy – Definition, Challenges, and Good News
There is so much I wish I had more time for and one thing is travelling. I miss the weeks upon weeks of vacation I had in the UK. We don't get that luxury here in Canada although I'm getting there and can't wait.
2 years, 2 months ago on 5 Things I Wish I Had More Time For
I did a post once of a comparison about I, who brought lunch and coffee and my workmate who bought coffee and lunch every day. The numbers were pretty out there and enough for me to say, thank goodness that's not me. I treat myself once in a while but there's no way I'd be spending that kind of cash every day.
2 years, 2 months ago on The Fast Food Lifestyle: How Eating Out Sunk My Budget
We spend time together, cook a meal together, bake something together and go shopping or for a drive to get a hot chocolate, write a poem, or make something unique for each other. My wife enjoys how there is no big surprises that are stressful to shop for, rather its like a date where we do things together. Each year it changes but we don't break the bank, we enjoy the simple life and by a simple I'm in love with you and a kiss is the best gift ever.
2 years, 2 months ago on $100 Giveaway – Valentine’s Day Gift Edition
I am not a big fan of the phone and I'm not a big fan of email either I prefer face to face although I know it's not always possible. Paper trails are great for the obvious reason although I find sometimes recipients misunderstand emails myself included hence why I would prefer the phone although it has more to do with the situation, who's involved that also drives my decision of use. Great email shared on FB to get fan feedback.
2 years, 2 months ago on Why Email is Better than Talking on the Phone
Should read: If someone tweets my stuff they get a giant big thanks in a blog post now .......
2 years, 3 months ago on Why Twitter Follower Count is Pointless
I have yet to see Twitter beat out my Facebook when it comes to views on my blog. Even when I was just building my network Facebook always wins. Some days Pinterest beats out Twitter so I can certainly see where the reach is. It's one thing to have numbers it's another to have numbers with followers that actually are engaged or want to be engaged. Having a dead fan base with numbers isn't worth the time that some put in to gain them. It takes continuous work to keep the fans interested, learning and sharing. If someone gets tweets my stuff they get a giant big thanks in a blog post now as I don't always have time like I used to thank each and every person. It's nice on FB where you can simply like a post and they know you were there and read it.
I don't buy music anymore but I always did fancy speciality rare box sets and vinyl. We always go to beaches and parks in the spring and summer as it's free or some you might pay for parking which is no big deal. I order books from the library and DVD's if I can as I won't pay to buy a book. Great list. Mr.CBB
2 years, 3 months ago on Save Money: 5 Sources of Free Entertainment
We have no kids and are in our mid thirties but would like to. There have been plenty of perks like.. ermmm sleep for one. Sure it's been easy to save money but we would like to have a child to leave everything we have worked so hard for and continue to. If you really want a child there is no right time but if you have your finances in a place where you are happy and want a child I say go for it. It really depends on the couple at the end of the day. If we end up with no kids then that's ok too. We just leave it in the hands of the baby gods now haha!
2 years, 3 months ago on The Advantages of Being a DINK (Dual Income No Kids)
Wow, only $3300 that's a lot of cash! I'm not used to paying for medical care like you do in the USA. What else do you have to pay for? In 2013 I'm hoping to make more money and stash away cash into investments and build back up our emergency funds once we use our money to pay off the mortgage. It's going to be an interesting year but we've learned plenty simply from our blogging mates. Happy New Year!! Mr.CBB
2 years, 3 months ago on Get Financially Fit in the New Year – $100 Giveaway
@DC @ Young Adult Money @CanadianBudgetB Let me know if you are interested in sharing your system with my fans!! They love coupons!!! Cheers mate Happy New Years....
2 years, 3 months ago on How to Organize Coupons: A Coupon Database
Wow, that looks like quite the system. We have nothing near that but we do have alot of coupons. I'm not sure if I would invest the time to do all this but if it works for you then so be it. Coupons have saved us thousands of dollars.
We did have a New Years resolution last year and that was to both quit smoking. Although it didn't happen at the beginning of January it happened at the end. We are now near the end of the year and we are still smoke free. Next year we are not sure but what we do know is that by setting a goal even one you think is near to impossible is possible. I never thought I would ever be able to quit, but I did!! Happy Holidays Mate! Mr.CBB
2 years, 4 months ago on 20 Ideas for New Year’s Resolutions
What a sneaky idea lol. I never thought to do that abandon the cart to see if they will come back to entice me into buying the products. I deal with a Canadian Coupon Codes site so I want to see if they ever experienced anything like that. Great post. Mr.cBB
2 years, 4 months ago on Online Strategies for Holiday Shopping Bargains
I'm all about the budget because that is where people will see the numbers they need to see provided they use the budget as intended. Many people have "stuff" lying around that others can make use of and that means $$$. If you can sell stuff to make cash especially if it's been sitting around go for it. We do that all the time. In fact we picked up $60 last month for a pair of shoes that were in our basement for 3 years!
2 years, 4 months ago on When There Is Not Enough Money – $100 Giveaway
Lots of good points here. I remember after University when I struggled to find a job back in the UK I worked in a place that started out ok but later dreaded going in. It wasn't the co-workers as I normally get on well with others. It was that the job was boring, not challenging and I really couldn't see myself there for the long haul. If one is so lucky as to move on I say go for it, you only live once! Great post. Mr.CBB
2 years, 4 months ago on 5 Signs You Need a New Job and 3 Things to do about It
Sounds like you got hammered with snow.. was that your car in the ditch ;-) Happy Holidays mate!! I may be interested in guest posting in the New Year. Mr.CBB
2 years, 4 months ago on Quick Hits and Weekend Reading – Winter Blizzard Edition
My hobby is photography and although my camera cost me close to 2 thousand dollars it's been money well spent over the past 6 years for a multitude of reasons, weddings, travelling, festivities, the blog (one that I hope will pay for itself in the long term.Great post.
2 years, 4 months ago on Saving Money on Entertainment and Hobbies
Hmm, well I can't say I'm an avid collector of anything but what I did do was collect art and wall hangings from the countries I visited while travelling and I have some nice pieces. I don't think I will ever sell it and maybe one day it will be worth something. Oh and I also liked to collect rare dvd sets and vinyl but not lots. I haven't collected a thing since moving to Canada though... gone are the days.
2 years, 4 months ago on Is Collecting things a Waste of Time and Money?
We've rented a room in the past and we had some good roomates but others were just awful. They have the mindset that I'm renting so I can trash my room and do what I want. After we renovated our home we didn't want a slob and one girl I kid you not we had to climb over her clothes to get to a floor vent for a contractor who came in. The other bloke was smoking pot and lighting incence in our home and he was a University student that came from a well rounded family. Who does that in someone's home? So it's a great way to make money but if you care more about the money you invested into your home then think about it twice. We've sold tonnes of items especially if we haven't used them in 6 months. We are not collectors so out with the old and in with the new or use the money to pay down debt. Great post. Mr.CBB
2 years, 4 months ago on Kill your debt faster: How to make extra money while working a full-time job
When we went looking I was interested more about the bones and the 'must haves' on our list rather than renovations. In fact I didn't want to buy a home that was renovated because after the shady work I was seeing looking house after house I decided nope, I'll do it the right way and make sure it's done right. Our next house I will do the same and maybe look for more land but this house hit the mark with all we wanted. Mr.CBB
2 years, 4 months ago on Resale Value and other Considerations When Buying a Home
Great Interview. It's nice to read more about what brought people to the place they are at and why. It was interesting to read how she started out investigating on her own as most people wouldn't think to do that. Funny how we would think life on the road is glamorous until we hear it from those that actually live it. Good Stuff!
2 years, 4 months ago on Working in Television and around the Globe: Interview with Brandy Green of Ghost Hunters International
Yes my organization does reviews which we do yearly. It's important to realize that this is just another time to shine and to reiterate what your goals are and where you want to improve with your boss. The more he/she can see that you are investing not only in the company but your growth the better prepared you will be when you ask for that raise. Great post. Mr.CBB
2 years, 4 months ago on How to Make the Most of Yearly Reviews
Looks like you picked up some great deals. I think Black Friday Shopping is a personal preference as is Boxing Day. As long as you are happy with the deals you got and you can afford them then go for it! Cheers
2 years, 4 months ago on Black Friday Haul
I love credit cards because I don't have to carry cash nor drive to an atm all the time to get cash. I also enjoy all the rewards I get back just for spending money. The problem comes when the card is not paid in full each month. Building credit is great using them as that is what I had to do when I moved to Canada but I certainly didn't spend money I didn't have, and still don't. Mr.CBB
2 years, 5 months ago on Why Credit Cards are Good
Mrs.CBB and I both have allergies and Mrs.CBB can get pretty bad at times. We both are allergic to environmental allergens only. I'm in the process of removing all the carpet and putting in hardwood. Right now we vacumme every single day, dust weekly and make sure I check the filters in the house. The allergist told me there is not a whole lot you can really do to be rid of dust but most people try. I am also allergic to mould and cats (bad).
2 years, 5 months ago on 5 Products that Fight Indoor Allergies
Like Lance I don't enjoy overtime but in my career I have no choice. I value everything you pointed out above. I think that we just want to live a comfortable life and set goals to achieve what will give us peace of mind during our life journey. My family is the most important parts of my life.. you can't put $$ amounts on that.
2 years, 5 months ago on 5 things that are more important than money
I'm in the process of renovating our entire house and I'll be doing a series on that. I've installed the dark wood floors and we love them although I really love that fireplace you posted. The problem is everything we want won't end up in this house as we will never recoup the costs like we should. When we sell and move to our dream home or buy a plot of land to buy one then maybe we can see more. For now, we will put what makes us happy and comfy... Great post mate. Mr.CBB
2 years, 5 months ago on 7 Home Upgrades I Want…Someday ;)
There's nothing worse than clutter and crap around a house when you go to an open house. I know we all need to look behind this stuff but it really doesn't add to the appeal. Nice tips! Mr.CBB
2 years, 5 months ago on How To Get A House Ready For Sale
I'll be doing the kitchen, bathrooms, basement, floors, baseboards, new front door.. you name it, I'm doing it because thee house needs a lift. Our house is not the most expensive on our street or neighbourhood by far as some reach close to a million. Comparables tell us to keep it simple which we likely will do. One thing I did read was if you know you want to move don't do the major renovations until closer to the time you will leave. If you put in a new kitchen in 2012 and move in 2017 that kitchen might not be as popular and you might not get what you think out of it. Lots to think about. Sounds like you will be just as busy as me. Mr.CBB
2 years, 5 months ago on When a Renovation/Addition is NOT Worth It
The important part is to see that vision with your house. Many times homeowners struggle to see a vision when they purchase a home that needs upgrades and let the good ones go by. I have plenty of renovations to do myself and as I get them done it looks fabulous. Don't skimp out on quality where you don't have to especially if you plan to live there for a long time. Nothing worse then having to pay twice to do something. Thanks for the mention mate. Mr.CBB
2 years, 5 months ago on Quick Hits and Weekend Reading
What a great story.. loved this! This is what loving life is all about!
2 years, 5 months ago on A Fantastic Starbucks Customer Experience Story
Neat tool as I don't mind the odd gadget here and there as long as I will get good use out of it and my money's worth. I'm just one of those blokes who likes to get up on the roof to see what's going on up there. I visit the roof top quite a few times throughout the year to check around and remove stuff, clip branches from the neighbours tree that he ignores and from the gutters.It really costs me nothing and I get some good exercise. Thanks for sharing...Mr.CBB
2 years, 5 months ago on How To Clean Your Gutters Without A Ladder
I think it depends on your landlord and what you both discuss at the beginning. Mrs.CBB said she has never had a problem in the past painting her walls white nor did she have to paint it back when she left as they were just as clean. To me, life is all about balance and risk. If you stick with a nice neutral color and you talk to your landlord I can't see it being a big problem especially if the walls REALLY need it. If they have a painting company then negotiate that into the terms of the contract. If they want your money then you want a nice clean painted apartment. If they won't budge then move on, at least that's what I would do unless it was my only option. My environment where I live should be an environment where I can relax and enjoy my time away from the world. Mr.CBB
2 years, 5 months ago on Why You Should Not Paint Your Apartment
I didn't even know Home Depot had DIy book to be honest. Mrs.CBB bought me the Mike Holmes Make it Right or Doing it Right The First Time.. I forget but I've only briefly read it. I'm no pro but certainly reading books, talking to professionals or better yet hiring one if you just don't think you can do the job 100% is more what I would do. I hate spending money twice.. cheers Mr.CBB
2 years, 6 months ago on Home Depot has really good…Books???
Most people panic when they are given the lay off pink slip or simply terminated for other reasons as it's human nature. As far as a resume I have always kept it up to date as I go along. The hardest thing to do is to go back 10 years on a resume for example and try to remember all your top accomplishments, training and experience. Taking your resume out every few months to update it will help you during a time where your emotions may dip until you bring yourself back up! Cheers Mr.CBB great post.
2 years, 6 months ago on Lost Your Job? 5 Things To Do Right Away