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A Canadian Couple On A Financial Journey Using A Budget
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    Holiday Baking can see the Grocery Budget sky-rocket as prices for baking ingredients typically rise up for the Holiday Season. This potentially just adds more pressure to the grocery budget and why planning is important. Last weeks Grocery Game Challenge I brought up the topic of  Holiday Baking and how it could be a budget buster. We don’t bake as much as we used to as we found we had more hanging around than we were giving away each year. I don’t remember making any traditional British holiday recipes myself when I lived in the UK  I do remember each year my mum would make a lovely British Christmas Cake, comparable to a fruit cake. Mrs. CBB fell in love with this cake (probably because of all the nuts and alcohol in the cake). Now we have narrowed it down to a few Christmas Balls that we enjoy making and packaging for friends and bringing to gatherings. What we like to do is shop ahead of the festivities so we are ahead of the game especially when work parties start in November for some folks. This year we took advantage of Bakers Chocolate Squares found at the Dollar store for only $2.00 which normally […]

    The post The Grocery Game Challenge Nov 5-11, 2012- Holiday Baking Planning appeared first on Canadian Budget Binder.


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    There’s A Scam For Everything I know what you are thinking and yes there are such things as a parking lot scam and schemes thought up from the best and worst scam artists around. When we go shopping around here it’s normal to see someone sitting on the ground playing the guitar or some other instrument hoping to make a few bucks. In the past I’ve heard that’s just another way to earn extra money although some may think it’s a scam, especially if they have a sign that says they need money, but do they really? Who knows, if they aren’t approaching me I leave them to it and if I like the music I toss in a buck or two at least for the few moments of entertainment. It ends up being more of a judgement call at the end of the day, at least for me. I give someone credit for getting out there to share a skill with the world. What are the latest scams? I don’t know much about parking lot scams but I know that there is a scam for everything out there and we have to protect ourselves. The scams to avoid are […]

    The post A parking lot scam for money gone wrong appeared first on Canadian Budget Binder.


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    HOLIDAY COOKIE SMELLS FILL THE AIR The holiday season is fast approaching and whether you buy cookies or enjoy baking cookies some of the best cookie recipes may cost your holiday baking budget some cash if you don’t plan in advance. With less than 2 months until the festivities there’s no better time to get baking than the present. If you wait until the last-minute you might find you get overwhelmed with having to shop for gifts, plan a dinner, getaway to the relatives, work and friends Christmas parties and then bake on top of it all. Some of my favourite Christmas cookie recipes that I like to bake and to eat are the butter cookies and the sugar cookies both of which are fairly inexpensive to make with butter being the costly baking ingredient. Making sugar cookies from scratch are probably one of my favourite cookies to make because it reminds me of home. My mum used to make shortbread but the butter, sugar and shortbread cookies all taste the same with a bit of difference in texture. This past year I posted a few of our favourite holiday treat recipes such as chocolate peanut butter balls, coconut balls […]

    The post The Grocery Game Challenge Nov 4-10, 2013 #1: Holiday baking on a budget appeared first on Canadian Budget Binder.


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    SAVE BY BUYING LESS   I know what you are thinking if you are a coupon lover and swear by the savings but you can also chop your everyday food costs without coupons. Just like the header says, save by buying less and it’s true. People tend to overspend when grocery shopping for everyday food for a variety of reasons and we’re included in that group. We’ve since been working on keeping that at bay and it’s not so bad as long as you find your grocery shopping triggers. Using coupons, especially if you aren’t a pro at it takes time to organize every week so you must be willing to make that time in order to reap any rewards. Sure some weeks may be better than others but for those who simply don’t have the time you don’t need coupons to save money on groceries as long as you are smart with what you buy.   Using coupons   We were heavily into using coupons during the years 2010-2012 until the big coupon rage took off and Extreme Couponing in the USA blew up the television screen. In that time more coupon bloggers joined the blogosphere which is now […]

    The post How to chop everyday food costs without coupons: The Grocery game challenge #3 June 16-22, 2014 appeared first on Canadian Budget Binder.


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    THE MORE YOU BUY THE CHEAPER IT IS… OR IS IT?   Most people would assume that if they buy food from a bulk food store that it would cost less than buying at a local grocery store. I’m not just talking about a bulk food store like the Bulk Barn but also stores like Costco that people believe help slash their grocery budget. Almost two years ago when I participated in the Welfare Food Challenge I agreed that buying in bulk would help keep costs lowered for those who want to stick to a budget. It’s true as long as you are always getting the ‘best price’ for the size/amount you buy. What is also important to consider is here as well is quality of product. If you aren’t then likely the savings aren’t going to be great.   Bulk Food Store Savings   We don’t have a Costco membership which you have to pay for and factor into your overall costs. This cost can run you anywhere from $55 a year for a business membership to a $110 for an executive membership. Through the grapevine I’ve heard that if you buy a Costco gift card or one was […]

    The post Should you really shop at a bulk food store? : The Grocery Game Challenge #2 Oct 6-12, 2014 appeared first on Canadian Budget Binder.


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    A HOMEMADE SUGAR-FREE TREAT THAT IS LOW-CARB AND PERFECT WHEN YOU CRAVE SOMETHING SWEET   My wife was in the mood for something sweet the other night and kept bugging me to help her create a vanilla ice-cream sandwich treat for the summer. I got to work making the cookie base for the vanilla ice-cream sandwich which wasn’t easy and took me a few tries. The tender cookies don’t take long to make however it’s the batter consistency that you need to watch out for. The cookie batter should look frothy and not dense. When I eat an ice-cream sandwich I don’t want to have a hard cookie base. You expect to bite into an ice-cream sandwich where your teeth sink through the soft cookie, into the ice-cream and again through another cookie. I am not a fan of the ice-cream sandwich with the hard cookie as I find the ice-cream squashes out too easily and a big mess is born. Don’t get me wrong they taste good and I wouldn’t turn one down but for my wife I knew that being on a low-carb diet that most cookies that we create do come out of the oven moist. The […]

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    Mr. CBB

    Mr. CBB was born and raised in the United Kingdom who then moved to Canada where he is a permanent resident. He recently became a father to a very busy toddler who allows him to be a kid at heart. He bought his first house at the age of 21 after University and his second at the age of 24. Both Mr.CBB and his wife are Debt and Mortgage Free and they did it all in under 5 years using a Budget. Canadian Budget Binder is a place where he shares their financial experiences with his readers and hopes to learn about theirs. Welcome to CBB!

    The post The Perfect Vanilla Ice-Cream Sandwich (Low-Carb) appeared first on Canadian Budget Binder.


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    THE SMELL OF ROASTED ALMONDS AND HEALTH BENEFITS ALONE ARE WORTH THE COSTS.   Almonds are the new Super Food along with just about every other nut on the market according to packaging at the grocery store. Why? Nuts are full of nutrients and come packed with plenty of health benefits. Almonds also known by the Indian name “Badam” and are packed full of nutrients including vitamin E which is great for your hair, skin, digestive track and cholesterol levels. Years ago Mrs. CBB and I went into an Indian store in Brampton and purchased a bottle of Almond oil to use on her hair and skin. It’s amazing how  lovely and soft it made her hair. I suggested that she try almond oil only because I’ve been to India a couple of times and almond oil is used everywhere for beauty and cooking. Consumers are flocking to the coconut oil section for the same reason and more. Every time I read a label in the health and beauty aisle that a product has a nut oil I laugh because they are so expensive. Cut the middle guy out and buy the real deal. We have two large jugs of […]

    Author information

    Mr. CBB

    Mr. CBB was born and raised in the United Kingdom who then moved to Canada where he is a permanent resident. He recently became a father to a very busy toddler who allows him to be a kid at heart. He bought his first house at the age of 21 after University and his second at the age of 24. Both Mr.CBB and his wife are Debt and Mortgage Free and they did it all in under 5 years using a Budget. Canadian Budget Binder is a place where he shares their financial experiences with his readers and hopes to learn about theirs. Welcome to CBB!

    The post Maple Bourbon Pecan Roasted Almonds (Low-Carb) (Sugar-Free) appeared first on Canadian Budget Binder.


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    Christmas Cookies Without The High Costs Start Now In Your Kitchen.   This time of year budget bakers are on the hunt for Christmas baking ideas that won’t cost them a fortune. Just because you have a tight budget doesn’t mean you can’t enjoy home-baked Christmas cookies. You don’t need to be a baker to make simple Christmas cookies that you can bring to a holiday cookie-exchange or to wrap up as gifts for friends and family. I’m betting if we did a count of hands here that most of us would love to receive homemade Christmas cookies over a boring gift that doesn’t suit them. Everyone loves Christmas cookies! Related: Holiday Baking On A Budget Some of the best Christmas cookies that I’ve ever had before came from our family kitchen and those of our relatives. I must admit my wife’s family is quite amazing when it comes to baking and the holidays. There is never a holiday that we don’t show up at the in-laws house without our Christmas cookies. My mother-in-law has a huge spread on the dining room table and her side table full of Christmas cookies, Christmas cakes, Panetone, Chocolates of all descriptions. Turtles comes […]

    Author information

    Mr. CBB

    Mr. CBB was born and raised in the United Kingdom who then moved to Canada where he is a permanent resident. He recently became a father to a very busy toddler who allows him to be a kid at heart. He bought his first house at the age of 21 after University and his second at the age of 24. Both Mr.CBB and his wife are Debt and Mortgage Free and they did it all in under 5 years using a Budget. Canadian Budget Binder is a place where he shares their financial experiences with his readers and hopes to learn about theirs. Welcome to CBB!

    The post Top 5 Christmas Cookies For The Budget Baker : The Grocery Game Challenge 2016 #4 Nov 29-Dec 4 appeared first on Canadian Budget Binder.


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  • 12/17/17--03:36: Easy Cherry Almond Cake
  • A FESTIVE CHERRY ALMOND CAKE SURE TO PLEASE EVERYONE   Cherry Almond Cake is a must-have fresh-baked cake in our household for the Christmas holidays. I, like lots of other people do quite a bit of home baking for Christmas but prefer to do more easy cakes and squares rather than cookies. Last week you might remember my Frosted Apple Cinnamon Rolls drenched in a silky glaze, perfect for Christmas morning with a cup of tea or coffee. You can make that too but first let’s talk about this simple Cherry Almond Cake that even a novice baker can make. Each year around November I pull out my collection of traditional Christmas recipes to start preparing the ingredient shopping list. You’re always sure to save money on your grocery bill if you plan your Christmas baking needs ahead of time. Related: 20 Basic Baking Ingredients to Power Up Your Kitchen Over the years I’ve collected recipes from just about any outlet that I can. Sometimes, I will take a recipe and add my twist to it which I think most people do. That’s the great thing about easy recipes or those that you can add or take away some of […]

    Author information

    Mr. CBB

    Mr. CBB who was born and raised in the United Kingdom, moved to Canada where he is now a permanent resident. He is also a father to a very active 3 year old boy which keeps him young at heart.
    He bought his first house at the age of 21 in the UK after graduating University and his second at age 24. Mrs. CBB bought her first house at the age of 30. Both Mr.CBB and his wife are 40-ish year-old finance lovers who accomplished debt freedom before the age of 40. Canadian Budget Binder is a fun, family-friendly place where he shares their financial journey with his readers and hopes to learn about theirs. No silver-spoon just hard work and perseverance. Welcome to Canadian Budget Binder! You've got this!

    The post Easy Cherry Almond Cake appeared first on Canadian Budget Binder.


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    SUPPLY YOUR KITCHEN WITH THESE FAMILIAR SPICES AND ADD A SPLASH OF FLAVOUR TO ALL YOUR MEALS   Having common spices on hand that many recipes call for is one of the smartest and most inexpensive ways to flavour your dishes. It’s that time of year when we do a full spice cabinet wipe and clean along with an inventory of what we have on hand or need to replenish. Get your FREE Printable Common Spices Checklist below!!   Storing Herbs, Spices and Extracts   My father-in-law would make sure his organic herbs were properly dried in parchment paper and sat in a box that resembled a pop case. He’d dry the herbs in the basement on a long 8 foot table during the winter and eventually he would have boxes of herbs to use. There were always herbs hanging upside down from the ceiling as if there were bats in the house. “Be careful what you walk into”, he used to tell me if I would go down to grab something. Once dried always store your spices in a dry space such as a kitchen cabinet where moisture won’t have the opportunity to get inside. Having a good kitchen […]

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    The post Free Printable Checklist Of Common Spices For Your Kitchen : The Grocery Game Challenge 2018 #3 Mar 19-25 appeared first on Canadian Budget Binder.


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    STOCKING UP IS THE ONLY WAY TO GET WHAT YOU WANT FOR LESS   Walking down the baking aisle at the grocery store or even the bulk food shop is cringe-worthy at times when you start to see the prices of baking ingredients. Here’s the thing though, you have to understand that food costs money and eating well is possible on a budget but YOU must do the work to find the deals. If you are a savvy shopper you need a flyer watch-list which simply means a master list of products that you WILL use but are far more expensive than others you purchase. This means that you will keep an eye on prices for those products in particular because when the time  and price is right you should stock up. This is where a reserve fund or stockpile budget really comes in handy for the everyday consumer. Baking ingredients have always been higher to the consumer who values pre-made products over baking only because we see what we want to see when it comes to pricing. It’s far more convenient to buy a 6 pack of muffins for $5 rather than a bag of flour for $8 especially […]

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    The post 8 Costly Baking Ingredients To Include On Your Flyer Watch-List : The Grocery Game Challenge 2018 #3 May 14-20 appeared first on Canadian Budget Binder.


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    YOUR GO-TO SUMMER PINK DRINK LOW ON THE CARBS AND SUGAR-FREE   When Mrs. CBB made her way to Starbucks on the way home from a recent trip she decided to try their popular pink drink known as the Strawberry Acai Starbucks Refresher but keto style. In all honesty she had no idea what she was about to order but the barista was very helpful and together they created a sugar-free Passion-Fruit Strawberry Pink Drink made with coconut milk. Now that the warm weather is officially here we thought no better way to celebrate than to make the expensive grande $6.20 Starbucks Pink Drink at home. This will obviously be a huge savings to the Starbucks Pink Drink lover and for anyone who wants to control the amount of sugar and carbs they are getting in their diet. Before we started our keto pink drink we put our large fancy glasses in the freezer to frost them up. Nothing better than a cold, frosty drink in a frosty mug. Right? Ingredients for Strawberry Acai Starbucks Refresher (these are the original ingredients) Ice, Strawberry Acai Base [Water, Sugar, White Grape Juice Concentrate, Natural Flavors, Citric Acid, Natural Green Coffee Flavor, Fruit […]

    The post Copycat Starbucks Strawberry Acai Pink Drink Keto Style appeared first on Canadian Budget Binder.