grocery game monthly challenge

Top 5 Reasons A Food Budget Is Financially Smart : The Grocery Game Challenge #3 June 15-21, 2015

Food budget financially smart(1)KNOW WHERE YOUR MONEY IS GOING

 

A food budget is a huge part of the overall budget in any household whether you decide to use one or not.

If you don’t believe me think about how much you pay each time you go to the grocery store and use that to work out your average yearly food expenses.

Even though that’s probably the worst way to do it because you probably spend more than you think you are it’s somewhat of a ballpark figure of your yearly expenses.

Then again for those of you who do the math this way your final number likely isn’t that important to you but it should be.

If you are someone with more money than you know what to do with you might not have a care in the world to know the amount it’s costing you to fuel your body.

For those of us who have to worry about balancing our monthly budget a food budget in my opinion is an imperative step to overcoming debt, saving money and balancing the budget.

The fact is that whether you document your expenses or choose to just spend your money freely the money will be spent and coming from YOUR bank account.

I can’t tell you how many times I’ve heard that budgeting is for people who can’t add and subtract or for those who can’t pay their bills on time or earn enough money.

It frustrates me to no end that these people view finance for dummies or people who can’t store the math in their head. Or the best, I know how much I can spend without wasting my time documenting it all like a crazy money hoarder.

Well, do what’s right for you, it’s your money after all.

The good part is those people who do budget can save more money because they know where their money is going. They really don’t care what the negative person has to say.

We all look after our own but I’m here to tell you that even something as simple as knowing how much your grocery budget should be will make an impact on your overall bank account or finances for that matter.

 

Shopping with no food budget

 

I know plenty of people who have no food budget in place yet moan about their debt every month. We have family members who think nothing to filling their shopping cart with anything they see because they failed to plan for the shopping trip.

That may be fine to the people who don’t really care about how much they spend but there’s not many people who have unlimited bank accounts as a daily luxury.

Today while at Zehrs I was waiting in a line-up at the check-out when I noticed the lady in front of me had a full and I mean to the brim, overflowing shopping cart.

When a box of Triscuit fell off and landed on the floor I kindly bent over to pick it up since it was on the opposite side of the shopping cart from where she was.

We exchanged smiles and she said thank-you after telling me that it happens every week when she grocery shops. “I’m always dropping something when I come every week as we have 2 hungry boys in our household”.

Fair enough I thought but how much was she spending and did she have a food budget she was following. I didn’t see any type of grocery list in her hands but that doesn’t mean she hasn’t thrown one out by this point.

I replied, “It must cost you a fortune to buy this much food every week and your budget must be a large expense for you”. Ha! She goes on to tell me that she doesn’t use a food budget and that she hates grocery shopping so she rushes in, gets what she needs and gets out.

By the looks at what was in her shopping cart and by overhearing the massive $525 grocery bill I kind of figured that she didn’t care much about prices either.

Her last words were, “Besides everything is so expensive these days it won’t make a difference if I have a food budget or not”. If I was drinking something I probably would have spit it out at that particular point because you know how fond I am of knowing where all of our money goes.

Depending on what she buys every week and if an overflowing shopping cart is the norm she’s spending over $2000 a month on food. That’s a horrible way to do the math but for the sake of this post I’m using it as an example.

Unlike Mr. CBB the frugal man she was talking to she likely follows no protocol when it come to grocery shopping to save money.

She got me thinking about all the reasons why a food budget is a financially smart move. If we didn’t have our grocery budget in place plenty of things in our life wouldn’t be happening at the speed they are.

I complied the following list of Top 5 reasons why a food budget was and still is critical for us to reach financial milestones in our lives.

 

SAVINGS

 

We didn’t spend thousands on food like the lady I met in the grocery check-out probably does but over the years we recognized areas where we could save more money when grocery shopping.

The money we save from not spending a fortune at the grocery store in part goes to our savings account. Building up an emergency savings was something we didn’t think much about until we started our monthly budget.

The problem is that too many people say they can’t save money when in fact they can if only they put more effort into figuring out where they are blowing money and they don’t have to. That spare cash you hold back will go a long way in financing other things in your future.

 

INVESTMENTS

 

Everyone SHOULD worry about the future and their retirement savings. If you want to retire early or your health isn’t the greatest or you fear possible health issues that will prevent you from working then every bit of savings counts towards something.

Every year my wife and I go over our budget to find areas we can cut back on or make small changes so that we can save a bit more in other categories. Over the years we’ve invested as much as we could after maxing our mortgage payments.

With the recent increase in TFSA investment room and RRSP’s the savings from our food budget will help fund our retirement savings. Now that we have a son any money we can save extra can fund his RESP and his new investment account which we will invest $100 a month in.

If you don’t think that you could possible save enough to invest you’re wrong. Talk to a financial advisor to find out what the minimum amount is which you can invest and take advantage of any tax breaks.

 

DEBT REPAYMENT

 

I’m pretty sure that if we were spending $5000 a year on our food budget our debt repayments would have happened a bit slower than they did.

Although we don’t have credit card debt we didn’t have much left after investing, projected expenses and other categories in our monthly budget.

The extra money we saved by not having a $500 a month grocery budget for 2 went towards paying off debt which left us with a mortgage which was paid in full 5 years after acquiring it.

Was it worth it?

Of course it was, being mortgage and debt free feels good but you have to think long-term with savings because not everything happens overnight. Remember that $5 here and there all adds up and you don’t have to have hundreds or thousands to invest just to make a mark on your portfolio.

 

OVEREATING

 

We eat too much when we have lots of temptations of food in the house. This is just something we noticed about our eating habits so having a food budget has allowed us to plan weekly meals and purchase only what we really need. On occasion we stockpile food but not like we used to back in 2012 when we were extreme couponing.

We’ve changed our eating habits drastically since then and do our best to escape loading up on food that will just sit for month on end even if there is no expiry date or a long expiry date. An example may be the 20 or so cans of baked beans we still have in our cold room.

There was a coupon in a smart source that had $1.00 off each can and they were on sale for $1.25. It just so happened our friend who worked at the newspaper had extra copies so she passed them along to us when she could. Some months there were 20 other more coupons. It made sense to her that someone was using the coupons to save money.

We sure did, however we still have those cans of baked beans on the shelf although we have put a dent in them. Eating baked beans every couple of days just isn’t for us and although the expiry is not due just yet we will more than likely end up donating them to the Food Bank.

 

EDUCATION

 

There is nothing more satisfying to me than to understand our financial health. Every month we balance our budget so we can see where our money is going.

Over the years simply using a budget has educated us so much about how much of our money we were spending and on what.

Food may not seem like a big deal to someone who doesn’t budget but aside from paying rent or the mortgage the food budget is one of the next biggest expense every month for people. If you want to be financially successful with the money that you earn then treat your finances like your own business.

If working with no food budget works for you that’s great BUT I can assure you that if you put some effort into budgeting you WILL see the results. We are proof of that as are many fans of CBB and the Grocery Game Challenge.

We take our food budget seriously and so should you if you have debt you want to pay off or are living pay cheque to pay cheque because the money isn’t going far enough every month.

In the end its your choice because you hold the key in your hands to your financial health, no one else.

Why is a food budget important to your family and how has it helped you financially?

 

June Grocery Game Challenge posts

 

If you missed any grocery game posts for the month I will post the line-up for the month each week here in this section for you.

Join in the Grocery Game Challenge fun and post your grocery shop in the comment section of each blog post… here are the GGC rules!

 

Grocery Saving Tips

 

Click, Save and Print. It’s that easy!

2014 Free Money Saving ToolsFree Money Saving Downloads are awesome lists that were created to get us on track to work towards reaching our budgeting goals and now we are sharing them with you.

I hope you take the time to get back on track and start the savings process in your grocery budget today.

Get organized with a FREE freezer inventory, meal plan, shopping list, price comparison list and much more all for FREE. CLICK HERE to download all the free lists and even our family budget spreadsheet for FREE.

NEW!! You can now download the FREE Canadian Budget Binder Budget Spreadsheet in Excel…Grab it while you can… It’s FREE! We use it to budget and in large part a reason we could pay our mortgage off in 5 years, check it out!

 

Ultimate Grocery Shopping Guide

 

the ultimate grocery shopping guide cbbEverything you want to know about grocery shopping in Canada is below with new information added monthly.

If you are new here and haven’t had a chance to read past posts grab yourself a beverage, sit down, relax and enjoy some educational reading material on ways to save money in your grocery budget.

If you missed a Grocery Game Challenge post some of the most popular posts are listed below or you can now find the posts listed on their own page called The Ultimate Grocery Shopping Guide.

If you know a topic that should be discussed send me an email.

 

2015 Grocery shop results

 

If you are a foodie like I am you will enjoy going through my Free Recipe Index where recipes from CBB Home Chef Nicola Don and myself are shared every Sunday on the blog. Check it out!

Yearly grocery budget for two 2015: $2820

(The above total does not include the stockpile budget of $240 per year or $25 per month.

Food Basics

  • 2 x Scheniders Bacon sale $2.88 each
  • 4x Schneiders Oktoberfest sausages sale $2.99 each
  • Bananas $1.97
  • Avocado Bag $3.99
  • Pinepple Gold Sale $1.88
  • 10x corn Sale $2.88
  • Chickory $1.99
  • Red Hot House Tomatoes Sale $1.22
  • 3 x Strawberries Sale $1.88 each
  • 2 x 4L Parmalat Milk $3.97 each $7.94
  • 6 x Oikos Greek Yogurt Reduced $0.99 which was an awesome deal considering they are over $5.00 each.

Total out-of-pocket $51.17

Zehrs

  • 5 x Herb and Garlic Cracker Barrel Cheese Bars $5.99-Pink Stickers
  • 5 x Jalepeno Cheddar Cracker Barrel Cheese Bars $5.99-Pink Stickers
  • PC Kale $4.99-50%
  • PC Arugala $4.99-50%
  • Dole Baby Spinach $3.99-pink sticker

Total out-of-pocket $36.95-$2.86 (stockpile budget)= $34.09

 

Points Overview (add any other sections you need to show us your savings)

  • Total Grocery Budget for the Month: $235.00
  • Total Grocery Budget with any carry-overs $206.91
  • Total Gift Cards used to date: $0
  • Total Rewards Points redeemed this week: $0
  • Total Rewards Points used to date: $20.00
  • PC Points Plus Earned to date: 99718
  • Scanning Code of Practice (SCOP) to date $0

Coupon Apps (add any other apps you use to save money)

  • Snap Groupon to date: $1.50
  • Zweet to date: $6.50
  • Cart Smart to date: $0
  • Checkout51 to date: $4.50

GROCERY SHOP THIS WEEK (add any other sections you need to show expenses and savings)

  • Total to spend this month $235-$28.09 (over May) $206.91
  • Stockpile budget 2015 ($25.00): (Jan/Feb) $50.00 +$0 (Mar)+$16.94+$25.00 (April)+$25.00+ May $25.00+ June $25.00
  • Stockpile budget used this month: $25.00
  • Total coupons used this week: $4.50
  • Total coupons used to date: $26.50
  • Total in-store discounts this week: $66.95
  • Total in-store discounts to date: $539.38
  • Total spent this week: $85.26
  • Total spent so far this month: $235.67
  • Total over/Under spend this shop: $28.76 over
  • Total over/Under spend for the month: $28.76 over
  • Total left to spend for the month: -$28.76
  • Total Spent To Date 2015: (does not include stockpile budget) Jan $166.49+ Feb $261.51+ Mar $231.02 + April $258.44+May $218.12+ June $235.67

Weekly Overview (your final thoughts):

I know there are 2 more shops for the month of June BUT we should be ok as we are fully stocked. We are also going away for Canada Day week where we will be eating at the relatives house for free.

It was so hard to pass up those pink stickers on the cheese bars and Greek Yogurt today. If our month had no catching up to do we would have been only over by $0.67 which would have been great! In the event that we need milk we have a Walmart gift card with about $35 left on it and $1000 in Shoppers Drug Mart Optimum Points so we should be good although I don’t want to use them if we don’t need to.

 

 Canadian Coupons Found This Week

 

Since we have my parents here I haven’t taken the time to scour the stores or check out the coupon board at Zehrs for coupons.

I’ll hopefully have more to report next week once we do our next shop now that my parents are gone and life gets back to normal.

Here are some great places you can find Canadian Coupons!

coupons canada june 2015(1)

 

Frequently Asked Questions

 

  • Grocery Game Challenge RULES: Read the rules first and if you have any questions email me or comment on this post with your question and someone will answer you as soon as possible.
  • Do I have to be Canadian to post my Grocery Shop?: No, you don’t have to be Canadian to post your shops only to win a monthly prize. We have fans who post their grocery shop who live all over the world.
  • When does the Grocery Game close each month?: The Grocery Game Challenge closes at midnight of the last Sunday of the last post for the month but you will still get a ballot when you post your shops even if they are late but I encourage you to stay on schedule. It’s a proven fact the minute we stop doing something that is scheduled that we end up forgetting to do it all together. Don’t let that be you! You can post your shops all month-long.
  • Does your Grocery Budget include health and beauty and laundry products?: Yes No, our Grocery Budget includes such items as shampoo, conditioner, laundry soap, fabric softener, dish soap etc. As of 2014-2015 we no longer include such items in our grocery budget so we can see actual food numbers at the end of the year so we can plan accordingly for our budget. We don’t mind stockpiling items that won’t be affected by expiry dates or have long expiry dates but not so much food any more. It’s just one way to help cut your budget to save money.
  • Canadian Coupons: Where can I find Canadian Coupons?: Here are your latest  Checkout 51 offers that you can use to help you save money in the Grocery Game Challenge. There are many great Canadian Couponing websites online that share weekly coupon match-ups so you can plan your grocery list.
  • Best Coupon Apps: Coupons are slowly fading out but mobile coupon apps are the big rave these days. Just recently the popular coupon site that mailed coupons to households have gotten involved with their new mobile Save.ca app joining forces with the many apps that are already out there.
  • What is an FPC?: An FPC is a free product coupon which means you can get a free product as described on the coupon.
  • What is GGC?– The Grocery Game Challenge of course!
  • How Do I Grocery Shop?: I can tell you about grocery shopping and what we do in terms of shopping to save money and how it works for us. There are no wrong or right answers, just smart choices.

Over time you will gradually learn where you should and shouldn’t go in the grocery store or at least how to say no, I’m on a budget I need to buy this or that.

You may also substitute items in order to stick to your grocery budget to make it work. Nobody is perfect, heck we struggle with this part of our budget like many people do.

This is why the grocery game challenge was created to not only show you that we are like everyone else but to bring us all together to work as a team to get our budgets on track.

If you have just joined The Grocery Game Challenge 2015 get ready to dive deep into your grocery budget and learn just where you are spending, how much you are spending and what you are saving.

Feel free to read all the above posts that I linked to above which I feel are relevant to learning about the grocery budget and grocery shopping in general. If you are brave and want to learn everything I know about grocery shopping in Canada check out my Ultimate Grocery Shopping Guide! It’s FREE!

You’ve made a wise decision to take control of your grocery budget now show me your shops and let’s get saving!

Welcome to The Grocery Game Challenge 2015!

Join in and become money savers and take control of your grocery budget.

-Mr.CBB

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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!
Mr. CBB
Mr. CBB

Comments

  1. Hey Mr.CBB
    We have been doing $50 a week and that is for all food that isn’t gonna be part of our reg pantry, diapers, wipes and even a few pull ups. I have been taking advantage of some of the apps offering rebates on all those items and some good sales and coupons as well. We currently have a good supply and really will only need to buy pull ups if on for a good sale, coupon and rebate……like the $20.98-$2C and $2snap rebate for a large box of pull ups…..ones less than half the size are $1 less when the boxes are on sale!! We will probably need more wipes again eventually but I will try and wait for a sale at Costco or rcss when they have the $8wub2 huggies coupon again.
    horray for a fixed pc!!

  2. Our weekly budget is $125 a week making this month $500
    Superstore
    $20.70 opp
    $4 coupons
    Safeway
    $8 oop
    Shoppers
    $4.55 oop
    $3 coupons
    Sobeys
    $50.80 oop
    $16.79 coupons

    $84.05 weekly total oop
    $23.79 weekly total coupons/discounts
    $323.80 monthly total oop
    $128.79 monthly total coupons/discounts
    $3121.61 yearly total oop
    $975.32 yearly total coupons/discounts

    Have been able to keep in budget since we have created a separate budget for little miss and her needs. Which makes it a little less stressful for me trying to always make the budget work when some weeks are tighter than others. We will leave our weekly amount the same for now.

    • Hi Juanita,
      How much do you budget for your daughter each month and what is included in that? You get ballot 4. Mr.CBB Any luck figuring out the PC problem yet?

  3. Christine Weadick says:

    OK I just noticed I clearly misses clearing off a lot of your shops when I did this the other night.i use the iPad and just do a copy and paste and delete your stuff… Sorry about that….not quite sure how I missed your stuff but the iPad can be finicky sometimes. I think you can figure out who’s is what without much trouble…..

  4. Christine Weadick says:

    Yearly grocery budget for four adults and two cats -$7800.00
    (The above total does not include the stockpile budget of $240 per year or $25 per month.
    Megan’s Farm
    7 baskets strawberries @1.50lb -$32.00

    Your Independent Grocer
    2 cranberry cocktail -2/5.00, 600 points
    2 Apple sauce @2.39
    3 Certo Light pectin @2.59
    Bananas -1.01, 100 points
    Total OOP -$18.56, 700 points

    Foodland #1
    1 pineapple tidbits -1.59
    1 jar pickles -1.79
    1 pack beef liver -2.88, 50% sticker
    2 yogurt @ 2.99
    1 pack pasta -2.99
    1 jug water -5…49
    1 case ginger ale -6.00!!
    Tax -.78
    Total OOP -$26.06, $1.44 discounts

    Foodland #2
    Banana -1.52
    1 Temptations cat treats -1.79
    1 creamy dressing -2.98
    1 yogurt -2.99
    1 bunch celery -2.99
    1 pack ground pork -4.49, 50% sticker
    2 4l milk @4.88
    1 jug water -5.49
    1 paresan cheese grated -6.74
    1 case cream soda -6.00!!
    Tax -1.01
    Total OOP -$48.50, $2.25 discounts
    Points Overview (add any other sections you need to show us your savings)
    Total Grocery Budget for the Month: $650.00
    Total Grocery Budget with any carry-overs $650.00
    Total Gift Cards used to date: $0
    Total Rewards Points redeemed this week: $0
    Total Rewards Points used to date: $0
    PC Points Plus Earned to date: 11250
    Scanning Code of Practice (SCOP) to date $0
    Coupon Apps (add any other apps you use to save money)
    Snap Groupon to date: $3.00
    Zweet to date: $21.50
    Cart Smart to date: $0
    Checkout51 to date: $18.50
    GROCERY SHOP THIS WEEK (add any other sections you need to show expenses and savings)
    Total to spend this month $650.00
    Stockpile budget 2015 ($25.00): Jan -$22.20+ Feb -$24.50+ Mar -$22.18+ Apr -$18.32+May -$40.95+ June -$14.16
    Stockpile budget used this month: $14.16
    Total coupons used this week: $0
    Total coupons used to date: $99.40
    Total in-store discounts this week: $3.69
    Total in-store discounts to date: $82.82
    Total spent this week: $125.12
    Total spent so far this month: $535.12Yearly grocery budget for two 2015: $2820
    (The above total does not include the stockpile budget of $240 per year or $25 per month.
    Food Basics
    2 x Scheniders Bacon sale $2.88 each
    4x Schneiders Oktoberfest sausages sale $2.99 each
    Bananas $1.97
    Avocado Bag $3.99
    Pinepple Gold Sale $1.88
    10x corn Sale $2.88
    Chickory $1.99
    Red Hot House Tomatoes Sale $1.22
    3 x Strawberries Sale $1.88 each
    2 x 4L Parmalat Milk $3.97 each $7.94
    6 x Oikos Greek Yogurt Reduced $0.99 which was an awesome deal considering they are over $5.00 each.
    Total out-of-pocket $51.17
    Zehrs
    5 x Herb and Garlic Cracker Barrel Cheese Bars $5.99-Pink Stickers
    5 x Jalepeno Cheddar Cracker Barrel Cheese Bars $5.99-Pink Stickers
    PC Kale $4.99-50%
    PC Arugala $4.99-50%
    Dole Baby Spinach $3.99-pink sticker
    Total out-of-pocket $36.95-$2.86 (stockpile budget)= $34.09

    Points Overview (add any other sections you need to show us your savings)
    Total Grocery Budget for the Month: $235.00
    Total Grocery Budget with any carry-overs $206.91
    Total Gift Cards used to date: $0
    Total Rewards Points redeemed this week: $0
    Total Rewards Points used to date: $20.00
    PC Points Plus Earned to date: 99718
    Scanning Code of Practice (SCOP) to date $0
    Coupon Apps (add any other apps you use to save money)
    Snap Groupon to date: $1.50
    Zweet to date: $6.50
    Cart Smart to date: $0
    Checkout51 to date: $4.50
    GROCERY SHOP THIS WEEK (add any other sections you need to show expenses and savings)
    Total to spend this month $235-$28.09 (over May) $206.91
    Stockpile budget 2015 ($25.00): (Jan/Feb) $50.00 +$0 (Mar)+$16.94+$25.00 (April)+$25.00+ May $25.00+ June $25.00
    Stockpile budget used this month: $25.00
    Total coupons used this week: $4.50
    Total coupons used to date: $26.50
    Total in-store discounts this week: $66.95
    Total in-store discounts to date: $539.38
    Total spent this week: $85.26
    Total spent so far this month: $235.67
    Total over/Under spend this shop: $28.76 over
    Total over/Under spend for the month: $28.76 over
    Total left to spend for the month: -$28.76
    Total Spent To Date 2015: (does not include stockpile budget) Jan $166.49+ Feb $261.51+ Mar $231.02 + April $258.44+May $218.12+ June $235.67
    Weekly Overview (your final thoughts):
    Total over/Under spend this shop: $4.88 under
    Total over/Under spend for the month: $N/A
    Total left to spend for the month: -$114.88
    Total Spent To Date 2015: (does not include stockpile budget) Jan $640.13+Feb $572.63+ Mar $786.52+ April $515.95+ May $621.33+ June $535.12
    Weekly Overview (your final thoughts): I included the cost of my strawberries this week as I missed it last week. I wrote the cost on the wrong receipt. She actually rounded down the total as it was $32.60 and I didn’t have the change, so nice of her!!
    It’s looking like it will be rough coming in under budget but I was under last month. Next month is a 4 week month so I can get back into line if need be. But I am trying to not have to do that. As you can see the prices are high at the Independent which is why I try to avoid the place. Foodland was completely out of the Certo Light I use so I was between a rock and a hard place. Sucks but that’s life….

    • Haha, Did you copy my grocery shop hehe!! I see what you mean. I would have figured it out but thanks for letting me know. These 5 week months are hard to shop. We used to do a no shop week but we hardly do that any more. Sometimes we do but we still find we are going to the grocery shop every week which is tempting. We might need to get back into it. The stores you have close to you are SO pricey and I think it’s on purpose because almost all small villages have Foodland stores. They know that you are all limited to that store unless you drive and want to drive to the city. I almost wonder if they are just taking advantage of the people when they know they can sell the items for less unless they factor in the petrol to send less stock to the smaller village stores. Who knows. Do you think you could stock up more if you had a No Frills in town instead? How many jars of strawberry jam did you end up making? Do you ever make your own apple sauce? Great job! You get ballot 22. Mr.CBB

      • Christine Weadick says:

        I talked to the manager one time at the Independent and he freely admitted that it is a high end store. At least we now get the flyer from No Frills as when the store first opened in Stratford we weren’t. I was told by management and the head office that because we had the YIG store here we were out of the jurisdiction of the NF…. The manager at NF was on our side and argued with head office, looks like he won as we now get the flyer. Depending on how I go to town I can get to the NF without actually going right into town if I go through Sebringville as the store is out the west end of town.

  5. Angela Mainse says:

    Week 3 – June 14 – 20

    • Grocery budget to work with in June: $250 as a 5 week month for groceries (Translates to $50 weekly)
    • Total coupons used this week: $5.50
    • Total coupons used to date: $37.53
    • Total RCSS gas coupons used this week: $0
    • Total RCSS gas coupons used to date: $10.75
    • Total value PC Plus points redeemed this week: $20
    • Total value PC Plus points redeemed to date: $200
    • Total gift cards/certificates/gifts used this week: $0
    • Total gift cards/certificates/gifts used to date: $38.76
    • Total student discounts this week: $6.02
    • Total student discounts to date: $113.91
    • Total tax savings RCSS this week: $0
    • Total tax savings RCSS to date: $11.33
    • Total spent this week: $53.65
    • Total spent so far this month: $163.85
    • Total left to spend for the month: $86.15
    • Weekly carry over: $0 (lost more balancing ground off of the first week)
    • Total in carry over jar: $53.90
    • Total Spent To Date 2015: $1503.55

    RCSS: NN Caesar dressing 1.49: total paid rounded up 1 cent 1.50

    Shoppers: Shredded mozzarella 7.99 – 4.00 clearance coupon: total paid 4.00 rounded up 1 cent

    Valumart: NN raspberry jelly powder 2 x .50, NN Topping 1.00, Jello white chocolate pudding 4 x .50, Breyers ice cream 2.99, Oktoberfest sausage clearance 2 x 2.33: Total paid 11.65

    RCSS: Yogurt raisins 3.69, NN Veg oil 4.48, Kraft peanut butter 2 x 2.98 (PM), Pork tenderloin 6.37 and 5.55, less student discount 2.62 plus tax .43, less 20 redeemed from PC Plus: Total paid 3.85 rounded down 1 cent

    RCSS: PC croutons 2 x 2.00, mini wheats cereal family size 3.98 (PM), Danino yogurt drinks 3.98, milk 3.97, blueberries 2 x 1.67 (PM), raspberries 2 x 1.67 less 1.50 coupons (PM), renees ranch dip 3.99 less 30%, renees spinach dip 3.99 less 30%, bananas .67, grapes 6.51 (PM), limes 3 x .15 (PM), romaine .99 (PM), less student discount 3.40: Total paid 32.65 rounded down 1 cent.

    This was an alright week. Some good deals, more redemptions from PC Plus. We have lost ground on the weekly, however, I’m still not over budget for the month. I can still make up the ground. It really is a goal to stick with $50 a week. The issue is we’ve run out of so much the last month it’s been building pantry time and freezer needs to be added to. I’m not worried yet. Really happy to have the student discount during the summer as well, not just the school year.

    • Hey Angela,
      $50 a week for the month seems impossible to do but you are doing awesome!! It’s not as impossible as people think. You got lucky with the cheese at SDM. We hardly ever find deals like that any more. Does your SDM have deals like that often or is it hit or miss? I could never get into those yogurt drinks however I love smoothies. What did you think of them? Your student discount is amazing and has helped you quite a bit. What would have done without the discounts? Keep up the amazing job Angela… you wow me! You get ballot 17 Mr.CBB

      • Angela Mainse says:

        Our Shoppers is hit and miss so I only look when I’m getting prescriptions filled or I am in for milk. But it has to fit in the budget.

        The low budget used to be lower 5 years ago at $30. We did it then without student discount or PC Plus. I’m sure if you had to I would find a way to make it work. There’s always the food bank if we are desperate. Although there are places I know I can still cut if necessary. We would never be able to get back to $30, food costs have risen too much and my son is older now and eats more than I do. For the time being we will make it work. July is always a bit different as we have company that eats differently so the budget goes up a bit just for that month typically. However this year my goal is to keep it there and redeem some more points

  6. COSTCO
    Diapers, $39.36
    – Total OOP: $39.36

    SAFEWAY
    Popping Corn (1.8kg), $4.99
    Smoked BBQ Popped Corn, $3.99
    – Total OOP: $9.18

    OVERVIEW
    Monthly Budget: $500
    Budget with carry-overs $500.00
    Gift Cards Used To Date: $34.07
    Rewards Points redeemed this week: $0
    Rewards Points used to date: $0
    PC Points Earned to date: 2100
    SCOP to date: $0

    COUPON APPS USED TO DATE:
    Checkout51: $10.50
    Zweet: $2
    Snap Groupon: $0
    Cart Smart: $0

    GROCERY SHOP THIS WEEK
    Stockpile budget 2015: $225 ($25/month Apr-Dec)
    Stockpile used this week: $0
    Stockpile used to date: $96.74 (Apr$22.79+May$53.45+June$20.50)
    Coupons this week: $0
    Coupons to date: $70.30 (Apr$20.49+May$49.81)
    In-store discounts this week: $0
    In-store discounts to date: $213.19 (Apr$36.17+May$82.65+June$94.37)
    Total spent this week: $48.54
    Total spent so far this month: $240.25
    Over/Under this shop: $51.46 under
    Total over/Under spend for the month: $
    Total left to spend for the month: $259.75
    Total Spent To Date 2015: (not including stockpile budget) Start Apr: $1,060.26 (Apr$416.16+May$404.75+June$240.25)

    Weekly Overview:
    Small shop this week. Only essentials…and by essentials, my husband means popped corn 😉

    • Hi Megan,
      We don’t go to Costco but I was wondering if you could tell me more about the diapers you bought. Brand and how many in the box please. I want to see if it is a bargain or not for us. Am I safe to say you LOVE popcorn hehe! You still have lots to spend for the month. You’re well stocked for popcorn emergencies haha!! You get ballot 14. Have a great week Megan. Mr.CBB

      • Costco diapers (Kirkland brand) apparently fit like Pampers. We seem to have the best luck with these, no blowouts or leaks like with the Huggies and Pampers we tried…but I know every kid fits differently. I typically don’t like to spend more than $0.16/diaper, but was down to my very last one! This box (size3) has 210 diapers in it, but the price and # of diapers vary depending on your babies size. I think it’s about $33 (size 1) and $36 (size2). Often it will go on sale $5 off, just not this week 🙁

      • Haha yes popcorn is a staple in our house! 🙂

  7. Mary F Campbell says:

    JUNE – Week #3 of 5- June 15-21, 2015

    2015 GROCERY BUDGET / STOCKPILE BUDGET AND US RESERVE:

    •Total Grocery Budgeted For Year: $190.00 x 12 = $2,280.00 for 2 adults

    =============================================================================================

    REMARKS FOR THE WEEK:

    Hubby did take advantage of another points redemption this week to get us a 4L jug of skim milk.

    In addition to our milk, we scored a rain check for 24 cans of tuna in water @ $0.97 a can. We eat a lot of tuna!

    I have had some serious health issues since late last month and I am eating like a mouse!!

    Last night, hubby baked 5 gluten free chicken strips. I ate the smallest one on the plate with a 1/4 cup of fruit cocktail. Hubby can dice up the remainder of the chicken strips and use them to make himself a couple of nice Chicken Caesar salads this weekend.

    We have lucked out though…Thrifty Foods has Gluten Free – Probiotic – Lemon Yogurt on sale at $2.99 a carton instead of the usual $5.99 a carton and the expiry dates were good so we stocked up with 4 cartons! Mostly the yogurt is helping settle my stomach with all the antibiotics that I am taking.

    We are electing to remain in Canada until my health is sorted out. Our next US shop will be at least September.

    =============================================================================================

    OUR “CANADIAN” SHOPPING THIS WEEK:

    Save On Foods – Maple Ridge

    1 x 4L Skim Milk $4.99 – $4.69 = $0.00 re 3,100 Points Redemption

    •Total OOP: $4.69

    • Grocery Budget OOP: $0.00
    • Stockpile Budget OOP: $0.00
    • Cash Hiding Spot: $0.00
    • Points Redeemed: $4.69

    ** Earned 0 MORE Points on this shop **
    ** USED $0.00 in Coupons **
    ** SAVED $0.00 Rain Check Savings on this shop **
    ———————————————————————–
    Thrifty Foods – Maple Ridge

    4 Lemon Gluten Free, Probiotic Yogurt @ $2.99 = $11.93

    •Total OOP: $11.93

    ** Earned 0 Air Miles on this shop **
    ** USED $0.00 in Coupons **
    ** SAVED $0.00 Rain Check Savings on this shop **

    =============================================================================================

    OUR “US RESERVE” SHOPPING THIS WEEK:

    OUR NEXT USA SHOP WILL BE SEPTEMBER!

    =============================================================================================

    2015 Y-T-D GROCERY SAVINGS:

    •Total Loyalty Card Price Reductions This Year:

    Jan $3.58+ Feb $0.00 + Mar $14.54 + Apr $15.76 + May $0.00 + June $5.68 = $39.56

    •Total Coupons/Rain Checks Used This Year:

    Jan $0.00 + Feb $0.00 + Mar $0.00 + Apr $0.00 + May $0.00 + June $14.00 = $14.00

    •Total Price Match Savings Used This Year:

    Jan $0.00 +Feb $0.00 + Mar $0.00 + Apr $0.00 + May $0.00 + June $0.00 = $0.00

    •Total More Points Earned This Year:

    Jan 22 + Feb 45 + Mar 140 + Apr 12 + May 6 + June 12 = 237 Points

    •Total Air Miles Earned This Year:

    Jan 0 + Feb 0 + Mar 1 + Apr 1 + May 322 + June 0 = 324 Air Miles

    •Total PC PLUS Points Earned This Year:

    Jan 1200 + Feb 900 + Mar 900 + Apr 1,500 + May 0 + June 1800 = 6,300 Points

    •Total Optimum Points Earned This Year:

    Jan 30 + Feb 40 + Mar 0 + Apr 0 + May 0 + June 20 = 90 Points

    =============================================================================================

    2015 Y-T-D GROCERY SPENDING:

    •Total OOP Year-To-Date:
    Jan $199.31+ Feb $180.69 + Mar $274.41 + Apr $105.59+ May $237.00 + June (trf $10.00 Xmas Reserve+$36.44 to Summer + $6.56 trf to Re-Stocking Reserve + $30.00 trf to Borscht Reserve + $0.00 trf to US Reserve +11.98+$4.69 points redemption+$23.08+$2.99+$5.98+4.69+$11.93= $148.34)= $1,145.34

    •Total Year-To-Date Grocery Budget:
    Jan $190.00+Feb $190.00 + Mar $190.00 + Apr $190.00 + May $190.00 + June 190.00 = $1,140.00

    •Total Over/Under on Year-To-Date Grocery Budget: $5.34 OVER

    =============================================================================================
    2015 UNUSED CANADIAN GROCERY RESERVE:

    2014 Fwd $0.00+Jan $0.00+Feb $3.83+ Mar $32.09 + Apr $4.99 + May $4.69 + June $9.38 = $54.98

    =============================================================================================

    2015 RE-STOCKING RESERVE:

    2014 Fwd $325.00+Jan $22.50+Feb $22.50 + Mar $17.50 + Apr $18.44 + May $17.50 + June $6.56 = $430.00

    =============================================================================================

    2015 Y-T-D BORSCHT RESERVE:

    2014 Fwd $412.50+Jan $12.50 + Feb $12.50 + Mar $12.50 + Apr $0.00 + May $20.00 + June $30.00= $500.00

    =============================================================================================

    2015 Y-T-D HOLIDAY SEASON RESERVE:

    2014 Fwd $110.00+Jan $10.00 +Feb $10.00+ Mar $10.00 + Apr $10.00 + May $25.00 + June $10.00= $185.00

    =============================================================================================

    2015 Y-T-D SUMMER RESERVE:

    2014 Fwd $90.00+Jan $10.00 + Feb $10.00 + Mar $15.00 + Apr $15.00 + May $35.00 + June $36.44= $211.44

    =============================================================================================

    • SUMMARY OF FUNDS Y-T-D:

    $ 1,140.00 Grocery Budget JAN-MARCH
    $ 54.98 Redeemed Points to Purchase Groceries
    ($ 0.02) Hiding Spot Cash – SPENT
    ($ 13.45) 2014 Costco Rebate Chq – SPENT
    ($388.94) Trf to Misc Reserves (Re-Stocking, Borscht, Xmas, Summer)
    ($ 202.50) Trf to US Grocery Reserve
    ($ 54.98) Set in a reserve to offset Redeemed Points
    ($ 540.43) Actual CASH SPENT

    $ 5.34 OVER FOR Y-T-D SPENDING

    • VALUE POINTS REDEEMED Y-T-D:

    $ 4.98 Skim Milk- 3,100 MORE Pts – JAN
    $ 4.69 Skim Milk- 3,100 MORE Pts – FEB
    $ 4.69 Skim Milk- 3,100 MORE Pts – FEB
    $ 4.99 Whole Milk- 3,100 MORE Pts – MAR
    $ 4.99 Skim Milk- 3,100 MORE Pts – MAR
    $ 4.99 Skim Milk- 3,100 MORE Pts – MAR
    $ 1.60 Sprouts- 1,000 MORE Pts – MAR
    $ 4.99 Skim Milk- 3,100 MORE Pts – MAR
    $ 4.99 Skim Milk- 3,100 MORE Pts – APR
    $ 4.69 Skim Milk- 3,100 MORE Pts – MAY
    $ 4.69 Skim Milk- 3,100 MORE Pts – JUNE
    $ 4.69 Skim Milk- 3,100 MORE Pts – JUNE

    $ 54.98 Total $ Value of Points Redeemed

    So far $1,140.00 has been budgeted Y-T-D for 2015 and we have recorded these funds as “spent” and in fact they have been “saved”:

    $430.00 Freezer Re-Stocking Fund
    $500.00 Borscht Fund
    $185.00 Holiday Season Fund
    $211.44 Summer Season Fund

    OUR TOTAL UNUSED RESERVES ARE $1,326.44 … that is a $937.50 carry-forward from 2013 & 2014 and $388.94 in NEW 2015 savings.

    This also means that with $190.00 to start JUNE less $83.00 transferred to the various savings reserves less $0.00 transferred for Points Redeemed = $107.00 less an overage carried forward from MAY for $47.00 less plus an additional $0.00 saved in our US grocery reserve, we opened the month of JUNE with $60.00 available to spend on the Canadian side of the border PLUS we have spent $65.34 on our groceries (cash & points) so far this month and have a surplus of $6.34 OVER for the month of JUNE.

    We have groceries that have been purchased using points redeemed, rather than the budgeted cash in the amount of $54.98. Available as an offset, we currently have $54.98 in our UNUSED CASH RESERVE. As at this moment, we need and additional $0.00 in the UNUSED CASH RESERVE. If our budget is truly sufficient, when we reach December 31st, the unused funds should still be equal to, if not greater than, the value of the points redeemed. It’ll be interesting to see if they actually are.

    Note: Another reserve of $315.57 IS AVAILABLE for our next US shop currently scheduled for SEPTEMBER!

    Of the outstanding US Shopping Reserve $315.57:

    $113.07 is carried forward from 2014

    $202.50 is new 2015 Y-T-D savings

    Less $0.00 that we’ve actually spent in 2015

    = $315.57 US Reserve Available

    =============================================================================================

    The valid rain checks I hold are as follows:

    Safeway

    4 Signature Café Pizzas @ 2 pizzas for $9.00- Good ‘til June 19/15
    2 Boneless, Skinless Chicken Breasts @ $12 ea- Good ‘til July 4/15
    6 Skippy Peanut Butter @ BOGO – Good ‘til July 11/15
    12 Soft Drinks @ BOGO – Good ‘til Aug 18/15
    24 cans Heinz Maple Baked Beans @ 4 for $5 – Good ‘til Sept 4/15
    24 cans Cloverleaf Tuna in Water @ $0.97 ea – Good ‘til Sept 14/15

    =============================================================================================

    • Hi Mary,
      Sorry to hear you aren’t feeling well. I hope this passes for you and you get back to eating proper sized meals. We eat lots of tuna too however it goes in spurts for us. That was a great deal for tuna though. We aim to pay that price when we need to stock up as well. How do you prepare your tuna? My wife and I like a bit of lemon juice, mayo, salt, pepper and that’s it. Sometimes we just eat it out of the can when we are in a rush.
      Sounds like those points are helping you out this year. You’ve made great use of them for milk.
      Well, I’ll be thinking of you and hoping to get you back 100% soon!
      You get ballot 11.
      Mr.CBB

  8. Wow! I can’t imagine buying that much food & I have 3 boys (including Mr Tre) to feed. I’m assuming that they have a lot of waste. A food budget is at the core of our monthly spending. There is no way we could tackle our debt without a strict food budget.

    • I know, they must eat lots or have lots of food in the house. I watched a program that Jamie Oliver has on The Food Network where he goes into homes and helps families get on budget and clean up their kitchen. This one family had something like 12 bottles of Worcestershire in the cupboard and refrigerator. They said they just kept buying it…. some people are like that.

  9. I’ve just started following a grocery budget as of June 1, 2015. This was after I went through my check register & totaled all of my food purchases for the month of May. Let’s just say I was in shock, but figured out that’s where all my money has been going.

    • Hi Jamie,
      You are not alone. This is what would happen to most people if they added up their monthly receipts, shock! Could I interest you in posting you shops here for a month? I’d love to see where your money is going PLUS it will hold you accountable and like all of us who post you might stick around for years! The GGC has been around since 2012 and most of us posting every week have done VERY well! 🙂 I am always here to answer questions. You can PM me on Facebook or email me at canadiandbudgetbinder@yahoo.ca The Grocery Game Challenge Rules are linked in the blog post or on the blog! Mr.CBB Congrats on seeing what grocery shopping is costing you… here’s to change and lots of money back in your bank account.

  10. June 5 – 18, 2015
    Name Your Store: Frescho
    Total Coupons Used: $0.00
    Total Points = N/A
    Total Out Of Pocket: $13.94

    Human
    900g Pork & Lean Ground Beef = $6.97
    10 Pork Chops = $6.97

    Name Your Store: Superstore
    Total Coupons Used: $0.00
    Total Points = 2500
    Total Out Of Pocket: $38.13

    Human
    Hunts Spaghetti Sauce – $2.07 (PM Frescho @ $0.99) = $0.99
    NN Mushrooms = $1.19
    NN Cream of Mushroom = $0.75
    Campbells Cream of Chicken – $1.99 (PM Zehrs @ $1.49) = $1.49
    900mL Campbells Chicken Broth – $2.57 (PM Food Basics @ $1.99) = $1.99
    4 Italpasta – $2.57 (PM Sobeys @ 4/$5.00) = $5.00
    Danone Coconut Yogurt – $4.27 (PM Walmart @ $2.47) (100 PC Points) = $2.47
    4L Skim Milk = $3.97
    Black Diamond Medium Cheese – $6.99 (PM Food Basics @ $4.44) = $4.44
    1.66L Breyers Ice Cream – $5.49 (PM No Frills @ $2.97) (400 PC Points) = $2.97
    Bananas – 2.160 kg @ $1.26/kg (400 PC Points) = $2.72

    Cats
    18kg NN Cat Litter – (1600 PC Points) = $8.98

    Name Your Store: St. Jacobs Farmers Market
    Total Coupons Used: $0.00
    Total Points = N/A
    Total Out Of Pocket: $10.00 (Stockpile)

    Human
    5 Pints of Blackberries = $5.00
    3 lbs of Strawberries = $5.00

    Name Your Store: Superstore
    Total Coupons Used: $0.00
    Total Points = 3400
    Total Out Of Pocket: $114.04 (of which $45.00 is stockpile)

    Human
    2 – 4 kg Sugar – 3.99 = $7.98
    NN Taco Chips = $3.99
    2 Cases Kraft Dinner – $17.99 (PM Frescho @ $5.97) = $11.94
    1 kg Kraft Crunchy Peanut Butter = $2.98
    890 ml Hellman’s Mayo – $6.59 (PM Walmart @ $2.99) = $2.99
    500 mL Gay Lea Sour Cream = $1.98
    4 L Skim Milk = $3.97
    2 – 450 g Kraft Marble Cheese – $3.88 = $7.76
    2 tubs Astro Yogurt – $3.27 (PM Food Basics @ $1.99) = $3.98
    Pillsbury Biscuits – 2/$4.00 = $2.00
    900 g Hash Browns = $2.48
    2 – 1.66 L Breyer’s Ice Cream – $5.49 (PM Valu-mart @ $2.99) = $5.98
    Welchs 4 Frozen Berries = $3.98
    Bananas – 1.065 kg @ $1.26/kg (200 PC Points) = $1.34
    3 Hot Dogs – $4.99 (PM Valu-mart @ $2.33) = $6.99
    1.885 kg Extra Lean Ground Beef – (3200 PC Points) = $16.59
    Case of NN Cream of Mushroom Soup = $6.99
    3 Boxes Certo =$7.17
    2 Loaves Wonder WW Bread – $2.87 (PM No Frills @ $2.27) = $4.54

    Cats
    4 Cans Friskies Soft Food – $0.50 = $2.00
    1.5 kg Friskies Hard Food = $4.98

    Grocery Game Challenge Results
    Total Grocery Budget for the Human Year ($2080.00, for the pay period – $80.00)
    Total Grocery Budget for the Cat Year ($390, for the pay period – $15.00)

    Total Coupons Used this 2 Week Period: $0.00
    Total Coupons Used To Date: $9.25
    Total Discounts/SCOP this 2 Week Period: $0.00
    Total Checkout 51 rebates this 2 Week Period: $0.00
    Total Checkout 51 rebates to Date: $10.00
    Total Snap rebates this 2 Week Period: $0.00
    Total Snap rebates to Date: $1.00
    Total Price Match for this 2 Week Period: $14.31+44.38
    Total Price Match to Date: $315.11
    Total Adhoc Stockpile this 2 Week Period: $10+45
    Total Adhoc Stockpile to Date: $338.77
    Total PC Points Received this 2 Week Period: 2,500+3200
    Total PC Rewards Points Used this 2 Week Period: 0
    Total PC Rewards To Date: 12,410

    Total Over/Under spend this Human shop: $23.07 over
    Total Left to Spend for the Human Month: $56.93
    Total Spent To Date – Human: Jan $69.59+$34.74+35.42+47.21+47.89+24.54; Feb $32.86+39.96+32.86; Mar $26.70+0.80+50.41+5.00+26.07+52.01; Apr $11.23+58.66+17.83+6.84+7.74+3.96+28.58+23.51; May $90.90+18.36+3.94+45.75; Jun $41.920+61.15 ; Jul $ ; Aug $ ; Sept $ ; Oct $ ; Nov $ ; Dec $ = $989.29

    Total Over/Under spend this Cat shop: $3.04 over
    Total Left to Spend for the Cat Month: $17.26
    Total Spent To Date – Cat: Jan $3.22+11.28+32.17+0+0.98; Feb $12.50+$0.00+9.58+4.59; Mar $16.04+0+13.06; Apr $9.58+11.77+1.96; May $10.15+9.20+5.65; Jun $10.15+7.89 ; Jul $ ; Aug $ ; Sept $ ; Oct $ ; Nov $ ; Dec $ = $169.77

    Overview: 1st week – Now we have different kinds of meat in the freezer to enable to make different types of meals, outside of what’s planned for this week. Since we are coming close to 1/2 way through the year, I’ve been looking at my finances this week and things are still on track for the most part for this year.
    Overview: 2nd Week – Yes, I’ve gone over this week but some of those deals were too good to pass up on and they should last us until the next sale. I put away more produce for the winter using the strawberries and blackberries that were purchased from St. Jacobs. My plan is to make up this overage during the next two weeks so I’m not too worried about it. Have put in an order for 1/2 pig with the farmer that I received the beef last year and the best part of that is the money is already saved up for it.

    • Hi Dee,
      I noticed now there are mixed packs of pork and beef which is great for meatballs and many other dishes and the price seems to be decent. Now you sound like me… “the deals were too good to pass up” lol. It’s hard I know. We have to make up overage as well but we have nothing to spend for the rest of the month unless we use points because of those in-store deals we couldn’t pass up. How much are they charging for strawberies in St. Jacobs? Would you say it’s wise to buy them and freeze them for the winter rather than buying them already frozen at the grocery store? Our son loves strawberries and Megan her husband (GGC player) her husband loves strawberries in his smoothies. She bought a massive bag for $13.99 if you read her GGC post. I suggested going to the farm as it likely will be cheaper. You get ballot 10. Happy catching up!! Mr.CBB

      • I’m sure that most people prefer the pork/beef mixture when cooking as there’s a taste to only pork that gets masked by the beef. It also stretches the meat budget and makes it more affordable.

        Now I admit that the strawberries were probably purchased in a Toronto warehouse but I think they are cheaper at St. Jacobs than purchasing them at the store. I do look at them at the store and see a pound of strawberries for close to $5.00 and I can pick up approximately 3 pounds for that price. Now I’ve heard that local strawberries are going for about $6.00 a quart so I don’t know how that equates but it’s definitely cheaper to purchase them from any strawberry farm or farmer’s market and freezing them rather than purchasing frozen ones in the store. My daughter also loves strawberries but I won’t buy them when the berries are $13.99 a bag.

        Just like you have mentioned many times in your blog, it’s always cheaper to buy the fruit while it’s in season than wait until after season. Now I am definitely sounding like you.

  11. I have definitely understand about needing to stay on a grocery budget but just once, I would like to go into a grocery store and pick up things that I need and want and not worry if there’s enough money in the bank account to cover it. I’ll get to a point where it won’t be quite so bad as now but unfortunately, it won’t ever happen.

    • It will happen one day Dee. All this saving and budgeting you are doing will not be done in vain. Remember to have faith and you will reach your goals or other things in your life that you dream of. 🙂

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