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Over the last 6 months I’ve read article after article about increases in household expenses with Ontario Hydro in the spotlight.
It’s always hard for me to read personal stories because I wish I could take the financial stress away that people are feeling which is why I started this blog in the first place. If you’re not earning or saving enough money there are options for you to help keep you on your feet. Our neighbour suddenly lost her husband to cancer and now rents rooms in her basement so she can continue living in the house with their son. There are people who are juggling bills because they don’t know whether to pay their Hydro bill or take care of their other essential needs first. The good thing is that most communities have a food bank and other agencies that will help those in need with free clothing, diapers, formula, shoes and so on for adults, children and babies. It’s easy to tell people who are struggling to get another job or go back to school but not everyone can do this. The wide-spread competition for jobs is draining especially with graduates saturating the employment market because they can’t find work in their field of study.
What you want to avoid is falling victim to the system when you can get out and work or work more to bring in extra money. I struggle every month to pay my bills in an apartment I rent in London, Ontario especially with rising Hydro costs. The most obvious here would be to budget your money to see where you can make financial cuts. There are some ways you can earn easy money to help supplement your income to help you during the hard times. Having a bulging emergency savings fund is a dream for many people which means they are left to source other options when they are in need of fast cash. Having free community options available helps someone who is broke and in need of easy money to supplement their income to make ends meet. If your budget carries $200 a month for groceries but your Hydro bill is $100 and you don’t have the money to pay for it you visit the Food Bank to supplement your groceries. This is what I like to call category shifting the budget with money you save if you struggle to have an emergency savings or enough money on a monthly basis.
Here are a few other suggestions to help you earn some easy money that I may take on if I was in such a situation but they do come with cautions so tread lightly.
I’ve seen this happen so often where someone is struggling and one of their last resorts to make easy money is to start selling their belongings. From there you can expect them to start selling clothes, household items and lastly vehicles and other toys that transport them back and forth to work. There’s nothing wrong with living a minimalist lifestyle especially if you have too much stuff.
I’m not talking about the people who make a living picking up free stuff from generous people and reselling it to make easy money either because those types of greedy people end up ruining offerings of free stuff to those in need. Ah, I bet most people don’t think about this but it is a great way to make fast easy money with quick turnaround if you can keep costs low.
What they will target is antiques, jewellery, electronics, toys and even cheap name brand clothing. Another way to do this is by hunting the second-hand shops for items worth money and selling them for more than what you paid for. There are tonnes of homeowners who get rid of old furniture that gets scooped up fast by people wanting to clean it up and resell it for easy money. The problem with this way to make easy money is that you need to use your own money first to make money in most instances. When my wife was pregnant we hired a lady to come to our house and help us weed the back garden for around $30. In the midst of conversation she also offered house cleaning because she said that her full-time job wasn’t helping her make ends meet and she was struggling to find a part-time job.
This is certainly a great way to make easy money when you are in a pinch especially during the summer months when homeowners are busy with their families and don’t have time for property upkeep. There are many people who want to supplement their income or earn a bit of cash on the side who offer to do odd jobs. Another person we know who is unemployed started making crafts and selling them online which has become easy money for her. If you’re a University or College student offer to tutor at the library for cash in subjects that you excel in. You can also opt to babysit for friends and family which will give you cash in hand and fast. One thing to keep in mind as a homeowner is to make sure that your home insurance has full liability coverage in the event that something should happen. The woman who we hired didn’t have transportation to our house so we offered to pick her up.
Would you allow strangers into your home by hiring a person from Kijiji or someone looking for work? I was working on the sandbox for our son most of the week which I’m hoping to have completed by the end of next week. New: If your story submission gets chosen and published you will be entered into a yearly draw for a $25 Gift Card or $25 CDN via PayPal if you are from the USA.
Right now CBB is posting Tuesday (Grocery Game Challenge), Thursday (Personal Finance Post), Saturday (Personal Finance and Weekly Wrap-Up and a Frugal Recipe on Sunday! Saving money while grocery shopping is essential in the CBB family and that’s why we share our grocery shops every week in The Grocery Game Challenge . What I love the most is when my fans share their amazing shops with me whether it be groceries or other deals they find at a garage sale, online or freebies!  In 2016 if you send me your Budget Brag you will automatically get entered into a yearly draw for a surprise gift card.
This is my way of giving back to the personal finance community through networking and sharing knowledge with my fans.
The Dames in Debt are a pair of sisters working off their combined $250,000 worth of student loans and consumer debt while keeping it real about the struggles of being twenty-somethings in expensive cities with limited funds. We started the blog unofficially in January 2016 as way to keep track of our finance resolutions and share our money struggles with each other. Since we started writing, we’ve both learned a ton about finances, were introduced to the concept of early retirement, and our well on our way to reaching financial independence. Food and grocery shopping are relevant to us because food is a large part of the budget which people struggle the most with.
We all have to eat to survive but just because we have a budget doesn’t mean we can’t eat delicious home-cooked meals that are drool-worthy.
If you are someone who would rather buy convenience foods consider cooking homemade meals or baking from scratch. For the past 2 years I’ve had a second Facebook page called The Free Recipe Depot where I exclusively share recipes from Food Bloggers around the world. I also share recipes on the blog on Sunday either made by home cook and mom Nicola Don or myself. This week our Top Recipe Pick goes to Tonia over at The Gunny Sack for this MUST HAVE Summer Recipe- Mini S’more Pie Pops. My wife and I used to get tonnes of cleaners for free or cheap with coupons and we still have lots in our stockpile however we are leaning more towards the DIY cleaners. Right now we use lots of vinegar and water around the house for cleaning but I found this cool infographic over at Pure Living Space with some easy DIY Kitchen Cleaners that we’re going to try.
Every week I will pick a blog post of the week from around the web that I found interesting and want to share with all of you. Editor’s pick (That’s me Mr.CBB) This week I read a post over at the Millennial Money Man who shares the real reasons he lives debt free. I enjoy spending time with people who are older than me, because it’s like a glimpse into my own future.
This is exactly what I used to do and still do because I was always interested in what people had to say about their life experiences. Every week I get thousands of people visit Canadian Budget Binder because they did a search online and found my blog. That’s all the fun for this week, thanks for dropping by and we’ll see ya all again next Saturday!
I would definitely sell my stuff as it is the easiest one and probably take advantage of my skills which I think some people may need. Yes most people resort to selling stuff first then skills next although there are people who work on the side making pretty darn good money because they are in high demand, especially in the trades. As you know, schools would rather teach us about “x’s” and “y’s” than “dollars” and “cents.” In my home, we talked and learned about money. Do not pay cash for a product until you are satisfied. Do not pay up front for services until the service is complete.
If you can buy the item on sale on Monday but won’t be paid until Friday, wait until Friday.
If you care about credit card interest rates, you need to stop spending money you don’t have.
Lesson #2:  Cancel all credit cards you do not absolutely have to have and make sure they are off your record. Lesson #4:  Pay off your balances and never pay a dime of interest to a credit card company. Lesson #5:  Reward cards should be left to rewarding those who have proved to manage their money over time. From our very first paydays in 1984, there has never been one paycheck where we did not save a minimum of 10%. If you divide 72 by the annual interest rate, you’ll know the number of years it takes to double your money. The value of compounding interest. If all your friends want to eat at X restaurant and you can’t afford it, turn the invitation down or suggest an alternative you can afford.
Shame is when you let things get out of control, you can’t pay your bills, and your marriage is on the rocks because you’re always fighting about money. Tip #2:  Go for PPO (preferred provider organization) instead of HMO (health maintenance organization) health insurance if you have the choice.

Tip #3:  Make sure your “underinsured” car insurance is as comprehensive as your “insured” coverage. When I think of the happiest times in my life, I never think of when I was laying on a lounge chair on vacation.
If your product is right, but you earn too little from your current customer base, perhaps it’s time to look around. About This BlogThe Car Detailing Blog is the Internet's leading source gf auto detailing news, information and insight.
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Second, you must be able to invest $144.95 a month for as long as you are doing this business. The only “catch” in How to Make Money Fast and Easy by this method is you must be able to follow the three simple steps numbered above.
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Not everyone is struggling because they spend too much or have piles of consumer debt either. Falling on hard times is a wide-spread problem for some people who end up moving to a smaller city with cheaper rent or renting a room instead of an apartment or condo. At almost $500 a room that’s easy money for her and helps ease the financial squeeze. When they go to make a payment it’s a constant battle of finding ways to make it all work without suffering consequences of utility disruption or even worse an eviction notice.
Even if you can’t work making financial cuts is not an easy task to do but it can be done.
I was wondering if you had any ideas of how I could get money quick to help complement my income so I don’t have to start chopping the extras like internet and cable. Yes, that means no more cable, no internet and taking the bus because you no longer can afford them without earning more money.
You don’t have to go crazy to make money to help boost your current income but you do need to work with your financial numbers a bit to see what you can and cannot do to make things work. This route may not seem like easy money to everyone but to someone in need this money is essential to keeping a roof over their heads and food on the table.
Most people will start with the most expensive items they have that will net them some serious cash such as jewellery or cashing in their investments.
In an instance where car insurance is too expensive, car payments become overwhelming or car repairs are left undone selling the vehicle first is the better option although it may take longer. There are people who have been condemned on social media for selling what they were given for free to make easy money. They buy low and negotiate even lower prices on items that will make them easy money by selling high. If you can find a pair of $50 kids jeans at a garage sale for $0.50 you can turn that into $5 of easy money.
Keep an eye out for free solid wood furniture that you can buff up to beef up your bank account. It does work though as I know someone who does this to earn extra income and managed to put a down-payment on her first rental home. That sounded like a bargain to us since we were trying to save for our new baby and balance our budget.
A friend of ours who is an expert when it comes to fixing computers and earns a tidy side income doing so. Installing phone screens, laptop screens and simple jobs like this are his big income scores.
Most of the items she makes comes from thrift store finds or freebies that were passed along to her such as wood, yarn, paint and other craft supplies. The spare money will come in handy to pay for school costs and you’ll help someone in need of educational assistance. The last thing you need to do is be sued because someone you hired to do a cash job injures themselves and your insurance company runs the other way. CBB and I do want to mention that just because you are struggling to make ends meet that you should think about your safety first. If you’re not paying attention she could ransack your bedroom and steal cash or jewellery. The good thing about hiring a business is that you are getting an employee of the business. She should have never gotten into our vehicle because we were strangers to her and we should have not offered to pick her up.
The yard is looking a bit dry but it’s still very green so it was nice to see a bit of rain come down Friday night.
If you are looking for past Saturday Weekend Review posts scroll down to the bottom of this post where I will list up to 5 previous weeks for you to read. If you want to share a story via a Fan Question please ensure that there is minimum 500 words and lots of details…we love details! Representing both coasts of the United States of Indebtedness, the Dames blog about millennial budgeting, saving money without feeling deprived, and how to live a first-class life on coach-class funds. Since I’m on the East Coast, and my sister is on the West Coast, we don’t have a lot of time to talk to each other – especially with the time zone change. We’re hoping we can make a difference to our readers by showing how it’s possible to pay off debt and get on track financially while still having a life. We aren’t trying to pay off our entire debt in 6 months, but we show you how a modest goal of debt repayment in a few years still makes a huge difference.
If nothing else, we hope our readers know that we support them on all of their varied money adventures, and that we’d love to chat and swap savings stories when they like.
Not only will you save money but you will be proud of what you’ve accomplished and you’ll see that from the smiles on those you feed. With a little one in the house we prefer not to use chemicals if we can help it, making it is cheaper and better for the environment. Take time to think about these three words today, Ability, Motivation and Attitude and ask yourself if you’ve done all you can. If you notice any spelling errors below this is because I share the exact way it was typed into a search engine query to land on my blog. Once you’ve subscribed you MUST activate your subscription via the email sent to you from Canadian Budget Binder. Last time I used Craigslist one of the guys that came to pick up a table was standing in my driveway and pulled out a gun to shoot the deer in our yard. I love that idea of talking to a friend about creative endeavors because sometimes we don’t know our own strengths and our buddies will motivate us that little bit extra. London Transit could help her get around, there are food banks and a number of places to get help.
Do not pay home contractors unless you have proof they have paid their contractors or you could end up owing double. We use the miles for our race travels, family vacations, and even sending our daughter to China. Like any master, you have to have patience as money takes time to grow but when it hits a certain critical point, the growth is exponential! Undoubtedly, there is at least one other person in the group who really can’t afford it either.
Investing can mean distance between you and your money and detours in between that are not well marked! I have known many people who play the stock market regularly yet carry huge balances on their credit cards.
A living will ensures your wishes are known should you be incapable of making decisions due to accident or illness.
Sometimes conflicts with siblings don’t arise until joint decisions must be made regarding a parent in need. If possible, make sure financial accounts are immediately accessible by a trusted family member (on the signature card) or set up a trust. If want to make a claim for an incident that costs less than your deductible, you shouldn’t claim it anyway. Achievement is the result after hard work has ensued. If you can make money while achieving, you have a winning combination. It is easy to get distracted by other issues, such as creating new products or managing day to day tasks. Example instead of selling them an upscale car wash, offer a complete detail or offer added value services such as carpet dying and headlight repair. If you’re are spending your time on routine tasks when you could be out there making sales or providing your service, you are losing money. Like last week i had no jobs, but winter is finally gone and this week I at least have a job a day.
The revenue streams are a set of autonomous systems and processes that generate revenue for the services they provide.

He has been employed by a company, has owned a business (of course, has been employed by itself) and has finally come to develop such revenue streams that allow you to keep your family with only one hour of work a week. If you can develop an income stream that will provide $ 100 USD a month, probably will be able to develop it for you to provide $ 200 USD a month.
We provide you with all the materials and steps on how to get cash online, quickly, effectively and most importantly already proven by thousands of individuals. That's the first step and requirement that we will ask you to do after signing up to our website. If you are happy with the amount you are required to bet, simply follow instructions from our website. Regardless of whether Team A wins, loses or draws you will make a profit as we do your homework for you ( you are able to do this through the betting exchange which allows you to for instance bet on Team A doing anything but winning). One with Betfair and the other with another bookmaker - our system guides you through every step - we have spent a year on perfect the user journeryto make this as easy as possible in order to make this available to the young, old, experienced and inexperienced. Why not read our testimonials, which include reviews from The Telegraph and Evening Standard newspapers. Our automated system will tell you what and how much to bet on, keep track of all your bets, and our extensive support section is here to help and assist you every step of the way! I can tell you how to make money fast and easy. Many people have done this, many people are doing it now, and many people will be doing this for several years to come! This is not, of course, the only way, but this way is certain to get the results you are looking for.
If you can do this, then this is the answer of How to Make Money Fast and Easy that you are looking for. Then read the rest of the page for a detailed description of the fabulous products you will be marketing. Sometimes financial struggles are beyond our control so we have to find other ways to make ends meet. If you are a homeowner struggling to pay the bills you could downsize, move to a less expensive city, rent a room(s) in your house or a basement apartment if your home permits. The only part she doesn’t care for is the lack of privacy however she says that so far everything has been great. Employees are complaining that they haven’t gotten a raise in years and minimum wage is just not enough to get by on.
Relying on the government for support and dealing with your own financial system is a strapping spot to be in especially during retirement years.
This is how I earned enough money to pay down my mortgage in the UK and ultimately our mortgage in Canada.
For someone whose bank account is empty or when kids are involved parents can become desperate and do whatever they can to protect themselves and their family.
I have and most likely those sellers are out to make easy money buying low and selling higher. People will buy this stuff but you have to know what is hot in the resale market so you aren’t hoarding tonnes of stuff for too long.
This is a busy market and one that can yield you easy money for those looking for a side-hustle hobby. We had never hired anyone to do such a job before so it was tough handing money over for something we would typically do ourselves. This could have turned deadly on our part because we invited a stranger into our vehicle to bring her to our house to help out without knowing anything about her. That doesn’t mean nothing can happen but it certainly is far better than hiring someone who can pretend to be whoever they want to be. With the rising costs of hydro and water not many people are interested in keeping their lawn lush and green any longer.
A trip to the park, setting up the sprinkler, filling the pool and lots of walks around the block. If you are a personal finance blogger (anywhere around the world) and would like your blog to be MAD featured simply drop me an email and I’ll explain the process to you. Dames in Debt has become a really fun way for us to stay and touch and has grown into so much more than just a personal diary of our millennial money makeovers. Dames in Debt is as much for our readers as it is for us – and we plan to keep it that way. You could make these ahead and take them with you camping to put on the grill or cook on an open fire where permitted. If the answer is no then dig deep inside yourself to find ways to strip away the negative and work on the positives. If you have any concerns talk to HR or if it’s a labour issue there are other governing bodies who will listen.
CBB was born and raised in the United Kingdom who then moved to Canada where he is a permanent resident.
His wife yelled at him to put it away and he did, but I don’t think we’ll be letting anymore strangers in the house!
After taking a little while to process the stress and worry, grab a friend and brainstorm proactive options.
She could also call her internet and cable provider to see if she can work out a cheaper package that still gives her the channels and internet access she needs.
I keep a running tally of those purchases and deduct them from our business and personal registers so there is never a surprise when the bill comes.
Think of it as your own personal “asset allocation.” I wish every college student and young professional would read this, including those majoring in business. My advice is to choose something close to your heart and set a limit.  Don’t get sucked in to other causes. There are banks, financial advisors, firms that hold the money market funds to be invested, the mutual fund managers, stock brokers and the list goes on. You run the risk of future increases in your rates or cancellation–especially car insurance. There is no way I want to be at the mercy of some bureaucracy telling me where I can and can’t go for health care in the event of an emergency of someone in my family. When you get nervous looking at your appointments, Like i always do, remember, most people set up an appointment a day or 2 ahead of time, not weeks. The hard work is to determine what processes and systems can create with the ability you have (see point 1) and implement them. Fixed an acceptable level of income and concentrate on reducing the time needed to get those basic income. You will soon find out that this is an easy and straightforward process with guaranteed results and no hidden costs. Do not just click on Betfair and sign up to it, it's best you do it through our system, in order for us to keep track of your progress. Once you follow the instructions and place a bet with both of the bookmakers then you will have to wait for the match to be settled, this on average can range from 2 hours to 48 hours (This basically means when the match that you bet on will be finished). Should you ever be unsure about one of the instructions then always ask us - the online FAQ, On-site Assistance, our Live support Chat, Digital media and email support are there to make this money making system as clearcut as possible. We're also that confident in our service, that should you make a loss after following our step by step instructions, we will refund your loss back to you.
In fact, this can be done if you are a woman or a man, educated or not, and no matter where you live in the world.
Only a small percentage of affiliates actually make as much money as I am claiming you can make in this post. You will be a part of the very successful teams of Internet Marketing Mastermind Alliance, an alliance of highly successful teams in empower Network, and the Team Take massive Action, which is open to only those affiliates that are All-In with an investment of $5,119.95.
It personally affected me which is why I ended up with a shiny degree and a job working for a major company not in my field of study at all.
When people get desperate they will do just about anything to make easy money but that rush can easily turn to horror for both parties. After he died, my father and grandmother needed a way to make money so my grandmother used her skills in the kitchen to run a restaurant and later own a boarding house for boys. If you pay John who remodeled your bathroom and John didn’t pay for the plumbing fixtures, the plumbing company can come after you for the money and it’s legal. Ultimately it is supposed to be about companies making smart decisions and products that make you money. When you don’t have a claim, the money saved is in your pocket, not the insurance company’s. For example, a lab test in a hospital setting may be coded differently than if you went to an independent lab for the same test.
By having adequate “underinsured” coverage, your own insurance company will kick in once the other person’s coverage runs out.
The beauty of not having to watch every dollar you spend is that you can make quick decisions and move on to the next thing you want to do. Although I cannot guarantee that you will succeed in doing this, I can guarantee that if you do what I reveal in this post, you will definitely know how to make money fast and easy. He bought his first house at the age of 21 after University and his second at the age of 24. It is summer right now and there are plenty of festivals and other entertainment on the free side she can look into to have some fun without it costing a fortune.
But with all the co-mingling of funds today and so many hands in your pot, investing can be tricky business. Both Mr.CBB and his wife are Debt and Mortgage Free and they did it all in under 5 years using a Budget.
Depending on how close she is to places like Harris Park she might be able to hear the concerts there without a ticket too. Canadian Budget Binder is a place where he shares their financial experiences with his readers and hopes to learn about theirs.

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