grocery game monthly challenge

11 Ways to Feed Your Family When You Have Little to No Money : The Grocery Game Challenge #3 Aug 17-23, 2015

11 ways to feed your family with little to no moneyI’LL NEVER LET MY FAMILY GO HUNGRY BECAUSE I LOVE THEM

 

We hear it more on the news these days about parents who have no money and feel that shoplifting is their last resort to put food in the stomachs of their children.

It shouldn’t be this way.

There is so much food on this planet that no one should ever have to starve, but they do.

A CBB fan emailed me looking for tips about how she can feed her family of 4 during the months she has no money and the cupboards are bare.

She is a single mom who relies on social assistance for money every month but that money is met with bills and earlier credit card debt she is still trying to pay off. Her comment about not letting her kids starve because she is poor pushed me to talk about this topic because it’s real.

It’s heartbreaking to see children go without food for days or parents who give up eating for their children. They get shunned for not having a decent paying job (what is decent these days?), an education or for having habits that cost big dollars.

Let’s not forget parents with disabilities some of which are invisible that don’t allow them to work. No one is perfect yet these poor children are having to grow up faster to deal with issues that most kids their age don’t face.

Then there are parents who do have good jobs but so much debt that they still can’t put enough food on the table.

Being poor with no money or limited funds every month can really hit a family hard.

You might already be collecting welfare but have so many bills that there isn’t much money at the end of the month to feed the family. We all make money mistakes, not just people on welfare who are faced with collecting a pay from a system so many people bow their heads to in shame. It shouldn’t be this way. It’s a temporary system that has helped so many people survive, especially the kids.

You might be working full-time but minimum wages isn’t paying the bills and your family is hungry. The most obvious way to free up cash in your bank account is to stop spending it on stuff you don’t need. A shopaholic doesn’t have to be poor, they could be someone who earns a great income but doesn’t know how to manage their money properly.

At the end of the day when you have no money and you are left with what you believe are no options, life becomes a struggle.

What do you do?

There are resources available however waiting until the bitter end to take advantage of them or trying to fix what isn’t working with your finances may mean you need immediate assistance.

Don’t let it get that far because then your options become limited in the moment.

 

No money- Now What?

 

Think about ways you can free up cash so you aren’t left with no money before the end of the month. Once you pay down your debts you will have more money to spend on food. You have to start somewhere.

If you are smoking, drinking or doing drugs consider letting that go. It may take time and you may need to seek help for your doctor but you need to save yourself from wasting money on nothing.

That extra cash can go a long way when you have mouths to feed.

Some people think that the people who steal food from grocery stores are poor people when in reality many people who steal earn a decent living. Those with cash do it just because they can get away with it. It’s not until someone gets caught where the truth comes out or they make up a lie to try and get out of it. Pleading ignorance seems to be their own reasoning for their actions.

In the news the past year I have read many stories of parents who are at their wit’s end and flat broke. They may feel their last resort is to steal groceries like single mom Jessica Robles from Miami and her 3 children. Her assistance money had some issues which meant there was no money and her boyfriend lost his job.

Without any money to feed her 3 kids she tried to walk out of a Publix grocery store with $300 worth of groceries. With no earlier arrests the police officer ended up buying her family $100 worth of groceries from her own pocket.

Shoplifting happens all over the world, not just in the USA.

I may not have all the answers but I do have some tips that might give those in need a ray of hope. Below are some ideas I’ve put together to help anyone who has no money in the bank, empty cupboards and hungry mouths to feed.

 

Get a Job or Earn more money

 

I know, I know not everyone can work, which is fair BUT for those that can work it may be a wise idea to keep handing out your resume. Don’t rely on the internet either. Get up, get ready and start visiting organizations and asking if they are hiring. If you need to find someone to watch your children while you do this find a friend or family member if possible to help you out.

If you are handy or have other skills such as using a sewing machine, gardening, computer skills or even writing skills you can earn extra money. There are many freelance writing jobs online that anyone can score as long as you know how to write an entertaining, informative piece.

 

Food Bank

 

The local food bank in Ontario, Canada will always help someone in need especially if they are starving. Don’t be shy to find your way to a local pantry service or food bank and ask for assistance. You can easily pick up lots of food and formula for your baby if you are left with no money to afford any.

 

Volunteer for food

 

Sometimes people don’t have time to volunteer for food because they are starving so visiting the Food Bank is a great first stop to get what you need to get by on. Once you have some food to stock your cupboards you can consider volunteering at local community co-op farms where they offer free food for your time.

Of course you would need to be able-bodied to do so but if you are able to volunteer you would be helping others and helping yourself out.

 

Local Churches

 

Don’t be shy to ask around if there are any local churches in your area that accept food donations to distribute to those in need. Once you find a place… go and ask. They want you to come forward so they can help you.

 

Friends and Family

 

Not everyone has friends and family they can rely on BUT if you do make sure to use those routes if you can. I’m sure they would be more than willing to help you out but don’t rely on them to always pick you up.

They will want you to take some action for your problems so they aren’t always worrying about you. Ask your family if they have any food they could donate to you or if there was any work that you could help them out with for cash money.

 

Stretch and plan your meals

 

If you can make a big batch of pasta sauce because it’s cheaper you will be able to stretch that sauce to make more than one meal. If you balance and plan your meals from a bulk perspective which will cost less you may have leftovers which you can switch up the next day for another recipe.

Buying in bulk is also a great way to save money plus fewer trips to the grocery store. Why spend $1.29 on 200g of dry black beans when a 2kg bag of black beans costs $2.99?

Stretch your meals and you stretch your dollars.

 

Eat Less Meat

 

There’s no reason you need to eat meat every day of the week. Cut back to 3 days with meat and 4 meatless meals. You can easily add proteins to a meal of vegetables by adding chick peas, other legumes or even seafood. You can also enjoy nuts, milk, yogurt, eggs, tofu and cheese as other protein sources.

 

Cut out junk food

 

Again, if you have no money for food you need to spend any money you do get wisely. This means you stop buying junk food like chips, pop and chocolate. There are healthy snacks for children you can buy or make homemade if you are eager to do so in the kitchen. The savings are huge.

 

Eat only what you need

 

When you have food in the house use portion control methods to ensure you aren’t eating more than your body needs. Do yourself a favour and try to make food last longer in your household.

 

Dumpster Diving

 

Dumpster diving happens all over Toronto and other cities but you don’t have to do this if you don’t have food for your family. For the most part dumpster diving is not allowed but people still do it. This is not meant to be an option for this post but I wanted to bring to your attention how people do take to the dumpsters when they are hungry.

There are so many places that accept donations for food which one could approach.

I read an article about a Toronto based group called Food Not Bombs an organization who recovers edible vegan food from dumpsters and serves meals to the public.

I was NOT in any way shocked with the amounts of food they were able to find in the dumpsters. This is certainly a sign of how much food waste we have in our communities.

I know in our town there is also a community centre that gets over-supply of fruits and vegetables from the local markets. They offer them for free to anyone who wants them. There is a FREE sign on the table and people come and go as they please and get what they need.

If you are adamant about dumpster diving abide by any Canadian Laws because you don’t want to get charged with trespassing. Just know that there are resources available.

 

Take steps to patrol your finances

 

It doesn’t matter who you are as humans we need to eat and when there is no money available we set off into a survival mode to get what we need. If you do have an income creating a food budget is a great way to make sure you have enough money to buy food with your current income so you’re not spending it where you shouldn’t be.

If we take steps to police the money we do get it may help us to keep a refrigerator stocked with food for the month. Nothing in life will be easy but there are generous people who are willing to help in any way they can.

What other tips can you offer for those that have no money to buy food for their family?

 

August 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

 

Yearly grocery budget for two 2015: $2820

(The above total does not include the stockpile budget of $235 per year or $25 per month.

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 $229.08
  • Total Gift Cards used to date: $32.40
  • Total Rewards Points redeemed this week: $0
  • Total Rewards Points used to date: $20.00
  • PC Points Plus Earned to date: 124736
  • Scanning Code of Practice (SCOP) to date $0

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

  • Snap Groupon to date: $15.00
  • Zweet to date: $14.50
  • Cart Smart to date: $0
  • Checkout51 to date: $6.00

 

GROCERY SHOP THIS WEEK

(add any other sections you need to show expenses and savings)

 

Walmart

 

  • 2 bags of Gold Fish Cheese crackers (snacks for travelling) Pm Freshco $1.97 each
  • 1 x Homo Milk $4.97
  • 3 x Nescafe Instant coffee $3.97 each PM Freshco
  • 1 x Aunt Jemima Syrup $3.57 (forgot flyer to PM, darn)

Total out-of-pocket $24.45 ($0) Used a gift card

  • Total to spend this month $235-$5.92 (over July) $229.08
  • Stockpile budget 2015 ($25.00): (Jan/Feb) $50.00 +$0 (Mar)+$16.94+$25.00 (April)+$25.00+ May $25.00+ June $25.00+July $14.44+Aug $
  • Stockpile budget used this month: $25.00
  • Total coupons used this week: $0
  • Total coupons used to date: $30.50
  • Total in-store discounts this week: $0
  • Total in-store discounts to date: $564.59
  • Total spent this week: $24.45 $0 GC
  • Total spent so far this month: $45.85
  • Total over/Under spend this shop: $under
  • Total over/Under spend for the month: $under
  • Total left to spend for the month: $208.18
  • 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+July $212.16+August $0

Weekly Overview (your final thoughts)

Since I am on vacation for 2 weeks we likely will be taking some road trips so we didn’t want to stock up the refrigerator. Don’t worry we probably will spend the grocery budget the last week, you watch.

 

Canadian Coupons Found This Week

 

Here are some great places you can find Canadian Coupons!

I found a few coupons last week but nothing new for this week so I’ll share the same coupons again for those that missed them last week.

We’re finding less and less coupons in the stores these days. What are your thoughts? Are coupon apps taking over the paper coupons?

I didn’t find any coupons this week that were new to me.

 

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. I don`t understand what all of these abbreviations mean…OOP etc. Thanks

  2. Our weekly budget is $125 making this month $500
    Superstore
    I seem to not have that receipt either :/ I must have returned something or just misplaced it but glad I wrote it down
    $19.56 total oop
    $1.50 total coupons
    Sobeys
    $5×2 frozen cordon blues
    $1.62 2L pop
    $11.70 total oop

    $31.26 weekly total oop
    $1.50 weekly total coupons
    $172.31 monthly total oop
    $36.76 monthly total coupons
    $4175.71 yearly total oop
    $1300.63 yearly total coupons

    We only had a meal or two at home before taking my girl back home and have a few days vacation with my son, mom and grandparents.

    • Hi Juanita,
      I keep a folder in the kitchen and as soon as we get the groceries home the receipt goes right in the folder. It’s now part of the putting the groceries away process so we never forget. The same goes with any other receipts for our budget. You didn’t spend much this week but you did use coupons and find some deals. Well done. You get ballot. 4 . Mr.CBB

  3. Christine Weadick says:

    Yearly grocery budget for 4 adults and 2 cats -$7800.00
    (The above total does not include the stockpile budget of $235 per year or $25 per month.
    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 $636.43(overage from last month)
    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: $24.50
    Cart Smart to date: $0
    Checkout51 to date: $25.50

    GROCERY SHOP THIS WEEK
    (add any other sections you need to show expenses and savings)
    Foodland #1
    1 jug water -5.49
    1 pack pasta -2.99
    6 cans soup @2/1.00
    2 4l milk @4.88
    2 blocks cheese @4.49
    1 doz eggs -2.99
    Bananas -.60
    1 raisin bread -3.49
    2 bagels @2/5.00
    Total OOP -$42.30
    Jackson’s Pharmacy, stock pile
    2 6packs Gatorade @2.99
    Total OOP -$5.98
    Foodland #2
    2 jars Cheez Whiz @3.99
    1 Cheerios -3.99
    1 jug water refilled -3.45
    2 cans soup @2/1.00
    2 4 l milk @4.88
    1 yogurt -3.29
    1 bunch celery -1.99
    Bananas -1.20
    1 pack fresh beef liver -2.11
    1 grated Parmesan cheese -4.89
    2 bagels @2/5.00
    Total OOP -$44.66
    Foodland #3
    1 144 count Tetley tea -9.99
    1 case orange crush -6.59!!!
    4 cans pasta sauce @4/5.00
    1 pack Royale TP(12 double rolls) -3.99
    1 apple sauce-1.99
    1 Temptations Turkey -1.79
    2 4l milk @4.88
    2 packs mushrooms @3.99, 50% stickers-2.00 off each
    Bananas -1.66
    1 pack b/s chicken breasts -11.56
    Tax -1.61
    Total OOP -$63.41, 4.00 discounts
    Total to spend this month -$650.00- 13.57= $636.43
    Stockpile budget 2015 ($25.00): Jan $22.20+ Feb -$24.50+ Mar -$22.18+ Apr -$18.32+ May -$40.95+ June -$24.15+ July -$45.32+ Aug
    Stockpile budget used this month: $25.92
    Total coupons used this week: $0
    Total coupons used to date: $117.64
    Total in-store discounts this week: $4.00
    Total in-store discounts to date: $116.12
    Total spent this week: $150.37
    Total spent so far this month: $437.60
    Total over/Under spend this shop: $over
    Total over/Under spend for the month: $under
    Total left to spend for the month: $198.83
    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 $760.66+ July $552.91+ August $0
    Weekly Overview (your final thoughts) Still looking OK for the month, 2 weeks left and almost $200.00 left to work with. Actually not that bad for a 5 week month. It will be tight but….. That price for the pop hurt but I balanced it with some nice deals. Those mushrooms have been chopped up to use in spaghetti sauce and are in the freezer. The soup was a decent price too as was the pasta sauce, good start for some nice spaghetti sauce.

    • Hi Christine,
      What kind of pasta do you buy for $2.99 or is it fresh pasta? Wow that pop is pricey BUT if you were to buy it can by can you can see you still got a great deal. You’re doing pretty good with 2 weeks left in shops. I’m curious to see how this unfolds! Great shopping Christine. You get ballot 22

  4. Mary F Campbell says:

    AUGUST – Week #3 of 5- Aug 17-23, 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:

    I am using our grocery shops to do my walking with the walker on a nice flat surface in air conditioned comfort. Needless to say, we have lots of “little” shops during the course of a week.

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

    OUR “CANADIAN” SHOPPING THIS WEEK:

    Save On Foods – Maple Ridge –

    4 WF Bread $8.00

    •Total OOP: $8.00

    ** Earned 8 MORE Points on this shop **
    ** USED $0.00 in Rain Check Coupons **
    ** SAVED $2.76 Loyalty Savings on this shop **

    Safeway – Maple Ridge –

    6 corn on the cob = $3.00
    1 x Deli Sliced Roast Beef $11.50

    •Total OOP: $14.50

    ** Earned 2 Air Miles on this shop **
    ** USED $0.00 in Rain Check Coupons **
    ** SAVED $9.10 Loyalty Savings on this shop **

    Safeway – Mission –

    1 dozen extra large eggs $2.99
    1 dozen extra large eggs $2.99
    1 Extra Lean Ground Beef $5.81
    1 Extra Lean Ground Beef $5.47
    1 Extra Lean Ground Beef $5.30

    •Total OOP: $22.56

    ** Earned 2 Air Miles on this shop **
    ** USED $0.00 in Rain Check Coupons **
    ** SAVED $8.69 Loyalty Savings on this shop **

    RCSS – Mission –

    2 radishes $0.88
    2 bunches green onions $0.88
    1 GF Cheese bread $5.99
    1 doz WW hot Dog Buns $1.98

    •Total OOP: $9.73

    ** Earned 900 PC.Plus Points on this shop **
    ** USED $0.00 in Rain Check Coupons **
    ** SAVED $0.00 Loyalty Savings on this shop **

    Save On Foods – Maple Ridge –

    1 Bunch bananas $1.84
    2 Bartlett Pears $1.59
    4 Black Plums $1.16
    1 pkg Cocktail Tomatoes $2.50
    2 bag green beans $2.31
    1 Head Lettuce $2.49
    4 nectarines $2.79
    1 orange pepper $1.18
    2 Red Peppers $2.20
    6 Walla Walla Onions $3.33
    1 Mini Watermelon $3.99
    1 Yellow Pepper $0.81

    Total OOP: $26.19

    ** Earned 26 MORE Points on this shop **
    ** USED $0.00 in Rain Check Coupons **
    ** SAVED $13.27 Loyalty Savings on this shop **

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

    OUR “US RESERVE” SHOPPING THIS WEEK:

    OUR NEXT USA SHOP WILL BE in 2016 when I am in better health.

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

    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 + July $0.00 + Aug $33.73 = $73.29

    •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 + July $0.00 + Aug $0.00= $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 + July $0.00 + Aug $0.00= $0.00

    •Total More Points Earned This Year:

    Jan 22 + Feb 45 + Mar 140 + Apr 12 + May 6 + June 12 + July 0 + Aug 34= 271 Points

    •Total Air Miles Earned This Year:

    Jan 0 + Feb 0 + Mar 1 + Apr 1 + May 322 + June 0 + July 0 + Aug 4= 328 Air Miles

    •Total PC PLUS Points Earned This Year:

    Jan 1200 + Feb 900 + Mar 900 + Apr 1,500 + May 0 + June 1800 + July 0 + Aug 900= 7,200 Points

    •Total Optimum Points Earned This Year:

    Jan 30 + Feb 40 + Mar 0 + Apr 0 + May 0 + June 20 + July 0 + Aug 0= 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 $171.34 + July $53.25 + Aug (trf $15.00 Xmas Reserve+$21.31 to Summer + $20.00 trf to Re-Stocking Reserve + $12.50 trf to Borscht Reserve + $0.00 trf to US + $9.98+$56.98+$14.24+$6.79+$21.06+$8.00+$14.50+$22.56+$9.73+$26.19= $258.88)= $1,480.03

    •Total Year-To-Date Grocery Budget:
    Jan $190.00+Feb $190.00 + Mar $190.00 + Apr $190.00 + May $190.00 + June 190.00+July$190.00+Aug $190.00 = $1,520.00

    •Total Over/Under on Year-To-Date Grocery Budget:
    $39.97 AVAILABLE
    ====================================
    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 + July $4.69 = $59.67
    ====================================

    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 + July $20.00 + Aug $20.00 = $470.00
    ====================================

    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+July $0.00 + Aug $12.50 = $512.50
    ====================================

    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 + July 15.00+ Aug 15.00= $215.00
    ====================================

    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 + July $13.56+Aug $21.31= $246.31
    ====================================

    • SUMMARY OF FUNDS Y-T-D:

    $ 1,520.00 Grocery Budget JAN-AUG
    $ 59.67 Redeemed Points to Purchase Groceries
    ($ 0.02) Hiding Spot Cash – SPENT
    ($ 13.45) 2014 Costco Rebate Chq – SPENT
    ($505.91) Trf to Misc Reserves (Re-Stocking, Borscht, Xmas, Summer)
    ($ 202.50) Trf to US Grocery Reserve
    ($ 59.67) Set in a reserve to offset Redeemed Points
    ($ 758.15) Actual CASH SPENT

    $ 39.97 AVAILABLE 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
    $ 4.69 Skim Milk- 3,100 MORE Pts – JULY

    $ 59.67 Total $ Value of Points Redeemed

    So far $1,520.00 has been budgeted Y-T-D for 2015 and we have recorded these funds as “spent” and in fact they have been “saved”:

    $470.00 Freezer Re-Stocking Fund
    $512.50 Borscht Fund
    $215.00 Holiday Season Fund
    $246.31 Summer Season Fund

    OUR TOTAL UNUSED RESERVES ARE $1,443.81 … that is a $937.50 carry-forward from 2013 & 2014 and $506.31 in NEW 2015 savings.

    This also means that with $190.00 to start AUGUST plus $108.81 carried forward from JULY less $68.81 transferred to the various savings reserves less $0.00 transferred for Points Redeemed = $230.00 plus an additional $0.00 saved in our US grocery reserve, we opened the month of AUGUST with $230.00 available to spend on the Canadian side of the border LESS we have spent $190.03 on our groceries (cash & points) so far this month and have a $39.97 AVAILABLE for the month of AUGUST

    We have groceries that have been purchased using points redeemed, rather than the budgeted cash in the amount of $59.67. Available as an offset, we currently have $59.67 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!

    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

    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,
      That’s great that you are enjoying your walks through the grocery shops a few times a week. It’s important to get out of the house. You had a great shop this week loading up on fruits, veg and meats. I’m sure you are more than thrilled to be eating your homecooked meals again. The great news is that winter soups are going to be here soon. I can’t wait to make huge pots. I just don’t have that motivation in the summer. We always tend to buy more fruit and veg than we can eat so I was wondering how do you determine how much to buy? You get ballot 2. Mr.CBB

      • Mary F Campbell says:

        Mr CBB, hubby eats very little fruit so basically 2 servings per day for me is an adequate amount. We eat a lot of raw veggies at lunch hour though so I plan accordingly and then I figure out my “meal plan” vegetable/salad needs for our dinners. I hate over buying so sometimes I have less than I need for the week but we can always make another run thru the shops. 🙂

  5. Angela Mainse says:

    It should read 1/2 bushel (not 1.2 bushel), so I managed a half bushel

  6. Angela Mainse says:

    Week 3 – August 16 – 22

    • Grocery budget to work with in August: $240
    • Total coupons used this week: $11.12
    • Total coupons used to date: $100.36
    • Total RCSS gas coupons used this week: $0
    • Total RCSS gas coupons used to date: $12.49
    • Total value PC Plus points redeemed this week: $0
    • Total value PC Plus points redeemed to date: $320
    • Total gift cards/certificates/gifts used this week: $0
    • Total gift cards/certificates/gifts used to date: $38.76
    • Total student discounts this week: $6.34
    • Total student discounts to date: $157.83
    • Total tax savings RCSS this week: $0
    • Total tax savings RCSS to date: $11.98
    • Total spent this week: $68.75
    • Total spent so far this month: $178.35
    • Total left to spend for the month: $61.65
    • Carry over: $0
    • Total in carry over jar: $52.25
    • Total Spent To Date 2015: $2009.70

    Cornfest: Potatoes 4L basket 5.00: 5.00

    Mensen’s Farm: Potatoes 1/2 bushel: 8.00

    Walmart: Greenworks dish soap 2 x 2.00, tax .52, total 4.50 rounded down 2 cents

    RCSS: NN tortilla chip club pack 3.99, NN party mix 1.49, NN chocolate syrup 3.69, Mini Wheats cereal 5.19 less FPC coupon, All Bran cranberry cereal 4.68 less FPC coupon, Bread yeast 4.59 – .50 coupon, Sunlight 64 load laundry detergent 7.97 (PM), NN cream cheese 2.78, Eggs 2 x 2.49 (PM), milk 3.97, Black diamond cheese block 4.99 – .75 coupon (PM), Peach 3L basket 2.98, bananas .82, watermelon 2.98, broccoli .87 (PM), celery .97 (PM), romaine .77 (PM), Pears 3 lb bag 3.98, Schneiders bologna 500 g 2 x 2.73 (PM), less student discount 6.34, tax 1.57: total 51.25 rounded down 1 cent

    We went to a local festival and found potatoes for sale and I picked up a 4L basket. Compared to what we paid a couple weeks ago at the Brockville Farmer’s market, it was a better price. But, in the end, it wasn’t the best price out there. I stopped at a local farm by my mom’s place and found the 1.2 bushel which I weighed and it was 19.7lbs for 8.00. At this point the potatoes hadn’t gone on sale in the stores and works out to being 4.00 for 10 lb when RCSS was charging 5.48. So a better deal. I know they will go on sale better than that in the grocery stores, but we have been out of potatoes for two weeks and now that we have been BBQing again, they have been missed.

    We stocked up 3 years ago with coupons on soap to wash dishes, we finally ran out. So, we got the best price on the brand we use. Unadvertised sale, so no PM, just a straight up purchase at Walmart. We don’t change the soap since my son has so many allergies to things including ingredients in soap and seems to do ok with this stuff. He has to help too 🙂

    RCSS was the big trip as we hadn’t bought a lot of fresh this month. I have been pulling from the garden as much as possible and stocking up elsewhere. This is the week that we just needed fresh food, especially fruit. I also had a couple of coupons just waiting to be used with FPCs and we were on our last box, so time to buy cereal. I am hoping that they will do the annual cycle of sales at the end of August which generally includes cereal as back to school. And, eggs, even PM are expensive, but we were down to two. We can go through a lot of eggs as it’s one of our main sources of protein. And, yay, I have bread yeast again, so I am making the loaves of white bread. Now I have to get a bag of whole wheat flour so I can make that bread too. I prefer the whole wheat, but have been holding off to use up some white. I will evaluate that next week when we get to the store. It will be on the list, but I can be known to cross things off and add them to the next week.

    • Hi Angela,
      Potatoes this summer have been hit or miss so I think you gto a great deal. We found a guy who will sell us organic brown eggs for $2 a dozen and deliver them. Like you we stocked up 3 years ago on all things laundry, health and beauty, ziploc you name it so we hardly have to buy it. We don’t find those same deals these days which is too bad. We were just lucky to make it with so many coupons. I think at one point we had about 100 or so packages of toilet papper that we got for free and about 100 jugs of laundry soap many of which were the large Purex jugs for $0.25 each after coupon. Ah, we miss those days. Glad you are on the yeast bender again to make more bread.. hehe!! How much do you typically spend on a bag of flour? You get ballot 12 this week. Well done Angela! MR.CBB

      • Angela Mainse says:

        It depends on the size of the bag. Generally we spend about $10 a bag of flour at 10kg. It isn’t worth it for us to buy the small ones at all. White and whole wheat are what we purchase. The whole wheat bags are slightly smaller for the same price, but it’s worth it.

        I do think that we did well stockpiling years ago with coupons when they were more readily available, but that stock is disappearing quickly. We have very little left in the way of cleaning supplies. However, we don’t use a lot of plastic bags, so I didn’t really stock up on those heavily. I wish we had stocked up more in hindsight since they just have skyrocketed with the cost. I am very appreciative of my containers and the fact that my son doesn’t lose them frequently.

  7. Angela Mainse says:

    Our local college has food available for students in need. I know not everyone is a student, but it is a great place to look into if you are.

  8. Another you did not mention is access services at school. In every school I’ve been in there has been free food for children. If not I started the program. Churches often give through schools as they know the ones with needs. Schools offer free breakfast and lunches very often as well as back pack programs where additional food is sent home through a special back pack. Simply ask a staff teacher and you will get help.

  9. Chrsitine Weadick says:

    I’ve done some of the things you mention. I haven’t had to go to the food bank here yet…… I did get some baking supplies from there a couple of years ago. I had agreed to do some baking for a bake sale the church was having and they sent home a few things to use for the baking with the younger boy when he went to church. I tried to take back the extra flour but she said to keep it so I dumped it in the bag at home.
    I had a friend and her family give us some groceries almost three years ago and I was stunned when they showed up and started unloading bag after bag of groceries. I was in tears.
    We are on Canada Pension Disability payments now because hubby can’t work anymore. It makes things very tough as you know. But it is money coming in and we went for a while without anything coming in so I manage. The older boy gets his own disability payments and pays us board so that helps too. He is always drinking something through the day…coffee, pop, and so on…. Eight years in the military pounded it in that you need to keep fluids going in all day. His pop and Gator-ade is as close as we come to buying junk food here. So far we are hanging on.

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