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By: Casey Baillargeon-Lousier (100654450) & Ashlee Sutherland (100542213)

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We chose this video because it is relevant to college students like us.

This video tells us the basics of a budget for beginners, some definitions such as budget, what goes into making a budget, things you can eliminate to spend less and when it is appropriate to start budgeting.

Some useful information is how to track your budgeting, knowing what you earn minus what you spend and learning how to determine your income.
https://www.youtube.com/watch?time_continue=1&v=6Ib-bdko5cE

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We chose this video because it is the step by step on how to create a budget which is good for people who are serious about it.

The video goes through the 7 steps for creating a budget which are:

1. Track your income and expenses

2. Set your income baseline

3. Determine your expenses

4. Categorize your income and expenses

5. Compare your income to your expenses

6. Make plans for unplanned expenses with cushion

7. Turn your budget into a document of freedom

Some useful information is the 50-20-30 rule which is “50% essentials such as housing, transportation and groceries. 20% savings such as building your savings and paying off high-interest debt. 30% lifestyle choices such as cellphones, entertainment and going out to eat.”

https://www.youtube.com/watch?time_continue=1&v=K5UlgTkadV0

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We chose this video because it is a very creative and fun way to budget. Every pay day, your pay cheque goes into envelopes that are set up for your necessities. They used examples like cellphone bill, utilities and insurance.

In the video he explains how you should use the envelopes; for example keeping track of the money on the outside of the envelope and what to do with the extra money at the end of the month.

This entire video was useful as it explained how to use the envelopes properly and gave specific examples of responsible ways to spend the extra money at the end of the month.

https://www.youtube.com/watch?time_continue=3&v=7SufAncKdrg

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How To Keep a Budget | The Envelope System

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We chose this website because it has a list of great alternatives for people who are on a low budget (us) and are looking for something inexpensive to do.

This website gives a list of 50 different free or cost-efficient activities for people looking to have fun on a budget.

Some useful information on this website is that, while it is 2018 people will not think of activities like starting a blog when on a budget for something fun to do, therefore it has a lot of useful things that maybe your typical person would not think of.

https://www.lifehack.org/articles/money/50-activities-for-when-youre-low-budget.html

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When you are on a tight budget, it can be easy to dwell on the things you can't afford to do. However, remember that happiness isn't about how much money you have-it is about the time spent in love and with loved ones. These 50 activities won't just save you money, they will also bring simplicity and happiness into your life.

1. Go to the public library

Take a vacation to a world away, all for free at your public library.

2. Wash your car at home

We love shiny toys. Have some fun washing yours at home for free.

3. Go for a walk

Enjoy nature and some quality time with yourself and loved ones.

4. Roman noodle cook-offs.

Compete against family and friends to see who can best reinvent this inexpensive staple.

5. Netflix marathon

Feel like a kid again having a movie marathon in your pajamas.

6. Clean out your closet

Have fun finding and rediscovering old and forgotten jewels.

7. Sleep in

Sometimes you can have the most fun doing absolutely nothing.

8. Play a board game

Whether it's Monopoly or chess, board games bring the family together.

9. Get in the holiday spirit

There is always a new holiday around the corner. Find fun and inexpensive ways to celebrate them.

10. Go to the park

Jump on the seesaw or go high on the swings. You will laugh and feel like a kid again.

11. Go to a flea market

You can find a lot of buried treasure at the flea market.

12. Find free tours

Find free tours at your local museum, winery or draft houses.

13. Indulge a little at happy hour

A weekend night out with friends can be expensive, so indulge a little with cheap happy hour drinks.

14. Go camping

You don't need an expensive five star resort when you can pitch a tent under the real stars.

15. Go hunting or fishing

Save money on groceries and take advantage of what nature has to offer. You can start to eat healthy.

16. Have a garage sale.

Earn some cash for your clutter by having a garage sale. Finally start your rainy day fund.

17. Window shop at the mall

Try stuff on; enjoy the hustle and bustle of being around people. Woo and awe over all the latest gadgets without spending a dime.

18. Try new recipes

Just because you can't afford to dine out, doesn't mean you can dine in with style.

19. Catch some rays

Get your vitamin D fix with some early morning sun rays.

20. Take turns reading a book out loud

Make reading a group activity by sharing it with your family.

21. Listen to music

Listen to your favorite tunes to sooth the soul.

22. Take a bubble bath

Enjoy some me time while soaking in some soapy bubbles.

23. Download free apps.

Technology offers new and exciting apps you can explore for free. Many of them can even help save you money.

24. Grocery shop on the weekends.

Often on the weekends large grocery chains will sample out some of your favorite products. Shop on the weekend to take advantage of some favorite treats.

25. Take turns swapping massages.

You may not be able to afford a spa day, but you can still enjoy the benefits of "if you scratch my back, I ll scratch yours."

26. Catch a matinee

Watch the new releases at half price.

27. Have fun on the Wii

Compete with family on your Wii or Xbox. Loser does the dishes.

28. Play in the rain.

An epic mud battle can be better than the greatest water park. Loser walks home.

29. Karaoke and dance off.

Do you have what it takes to make it on American Idol?

30. Do an art project

Who knows, you might be the next Picasso.

31. Start a blog

You can start free blogs at WordPress or TypePad. Tell the world about your daily life or your thoughts on events in the world.

32. Research your city

You may find cool places and spots you didn't know about.

33. Play a sport.

All you need is a ball, an open space and some friends

34. Check out your local farmers market.

Explore the stalls of homemade crafts and sample fresh, organic fruits, veggies and cheeses.

35. Geocaching

All you need are GPS coordinates.

36. Try new workout activities.

Add some zest to your workout. Try new classes at your local gym.

37. Play with your pet.

They also need your attention.

38. Go on a bike ride

Enjoy the freedom of riding a bike on nature's trails.

39. Make your own how-to YouTube videos

Get silly, have fun and explore a passion for the world to see.

40. Call your loved ones

Everyone is just a phone call away.

41. Explore the thrift store

Update your wardrobe without spending a lot.

42. Go for a drive

Sometimes in life you just need to enjoy the ride.

43. Meet the neighbors

Your new best friend may be living right next to you.

44. Kiss your sweetheart

The best things in life are free-so is love.

45. Clean up your finances.

Build a budget and make plans for your future well-being.

46. Look at old pictures and photo albums

Take a trip down memory lane with some old photos with family and friends

47. Make a poor man's mocha

Instead of spending loads of money on expensive coffee drinks, make your own. Try mixing a packet of instant cocoa with your morning coffee.

48. Enjoy the seasons

Go swimming in the summer, rake leaves in the fall, build a snowman in the winter and give flowers in the spring.

49. Volunteer

On a tight budget it may seem like you have very little. You can put things in perspective by helping others who are less fortunate.

50. Write a bucket list

You may not be able to afford all the grand ventures you want for your life, but that doesn't mean you should stop dreaming.

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50 Activities For When You're Low On Budget

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When you are on a tight budget, it can be easy to dwell on the things you can't afford to do. However, remember that happiness isn't about how much money you have-it is about the time spent in love and with loved ones.

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We decided that budgeting was an interesting and important subject to reflect on from this past semester.  While reading our Padlet, you can expect to learn the basics of a budget, how to keep a budget, different methods of budging and activities to do on a budget.

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This photo is an example of the “envelope method” and how it works. We chose this picture because it a good budgeting method. It is useful because it is easy to understand and we both plan on adopting the method next year.
https://www.wikihow.com/Do-Envelope-Budgeting

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We chose this photo because it is very appealing to the eye.

This photo has relevant statistics about how Canadians spend their money along with specific percentages.

It is useful because it shows income tax and pension payments stats.
h
ttps://www.consolidatedcredit.ca/debt-solutions/canadians-spend-money/

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We chose this website because it is directed at college students like us.

This website tells us how and why we should create a budget, different goals that we should have while creating a budget like short term to long term, controlling your expenses and keeping your spending to a minimum, lastly improving your credit while avoiding debt.

Something useful on this website is how it talks about keeping a job while going to school along with how to budget after school.
https://studentaid.ed.gov/sa/prepare-for-college/budgeting

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We chose this website because it had great Canadian statistics regarding “average household expenditure, by province” and it is up to date while containing specific numbers and categories.

This website breaks down household spending into different categories such as transportation, shelter and personal care while providing the exact number averaged for 2015 and 2016.

Something useful about this website is that it gives us an idea of where the average family spends their money which we can compare ourselves to.
http://www.statcan.gc.ca/tables-tableaux/sum-som/l01/cst01/famil130a-eng.htm

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Average household expenditure, by province (Canada)

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Summary Table. Find data on average household expenditure, by province (2010 to 2011), (Canada).

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This photo is relevant because it gives the absolute best ways to evade debt.

This photo gives us the 6 best ways to dodge debt, from leaving your credit card at home to reducing the limit on your credit cards to avoid overspending. Some useful information we found on this photo is the “avoid impulse buying. Sleep on it and see if you still want the item the next day.” Number 4 out of 6, we found this useful because we both can be impulse buyers sometimes. We both have agreed to use this idea the next time we go to impulse buy.

https://www.google.ca/search?rlz=1C1CHBD_enCA744CA744&biw=1920&bih=1069&tbm=isch&sa=1&ei=wFfOWqKKEITk_AaDxqb4Dw&q=canadian+household+budgeting&oq=canadian+household+budgeting&gs_l=psy-ab.3...10985.12264.0.12464.10.10.0.0.0.0.97.648.10.10.0....0...1c.1.64.psy-ab..0.0.0....0.JE6ESALuUi4#imgrc=AGXj7pBnz-K9DM: