grocery game monthly challenge

President’s Choice World Elite MasterCard Is Helping Us Get Loads Of Free Groceries: The Grocery Game Challenge #1 Oct 5-11,2015



President’s Choice (PC) Financial has done it again bringing customers the No Annual Fee President’s Choice Financial World Elite MasterCard to the table.

We really do love that there are no annual fees on this credit card or any PC Financial MasterCard which is why we chose PC.

My wife banked with PC Financial years before I emigrated to Canada. It was only natural that I sign up for my first Canadian Credit card with PC.

I needed to build a credit history in Canada as a permanent resident so we were able to get a mortgage. Thankfully the good people at PC Financial were kind enough to give me that start in a country I was now calling home.

As the years have passed PC Financial MasterCard has come out with new versions of their popular MasterCard which my wife and I have always applied for.

There are now three PC MasterCards all of which we have used over the years including this brand new one I’ll be telling you about today. All PC credit cards now have the chip and pin technology which just about every shop accepts and it’s great for security reasons. As a credit card holder security is very important to us.

The biggest perk is the free groceries.

I believe it was just last year that we upgraded our PC Financial MasterCard to the PC Financial World MasterCard which gave us even more PC points every time we shopped at any Loblaws store.

Don’t mix up the new PC Financial World Elite MasterCard with the PC Financial World MasterCard as they are two different credit cards. They are both black too which means they can easily get mixed up not to mention how close the names of the cards are.

The PC World MasterCard was great for us because we earned 20 PC Points for ever $1 we spent in any PC stores plus perks with Esso, PC Travel and PC Mobile. If we used the PC Financial World MasterCard anywhere else we would get 10 PC Points for every $1 we spent.

I will warn you that the interest rate on each PC MasterCard is high but every credit card I’ve owned has always held high interest rates. If you don’t want to pay them then pay your bill in full every month.

Annual Interest Rates- PC World MasterCard

  • Purchases rate in effect when your account is approved: 19.97%
  • Cash Advance rate in effect when your account is approved: 21.97%

Annual Interest Rates- PC World Elite MasterCard

  • Purchase rate in effect when your account is approved: 19.97%
  • Cash Advance rate in effect when your account is approved: 21.97%
  • Promotional balance transfers: 0.97% for 6 months for balance transfers made within 90 days of account approval if you apply by December 31, 2016.

The reason we initially applied for the PC MasterCard first besides to gain credit was to help us build our PC Points to get free groceries. Sure there are other credit cards out there but we don’t use credit cards for anything other than groceries and my Canadian Tire MasterCard I use for everything else.

Since we don’t have any debt to pay every month we don’t have enough expenses to justify getting any of the credit cards that are available with annual fees. Sure you may get a better % of money back but it has to be worth it to the card holder.

In this case PC Financial was our choice of MasterCard plus we already bank with PC Financial so all of our banking is done using PC financial online.


How did we apply for the new PC Financial World Elite MasterCard?


PC Financial offered us the newest PC Financial World Elite MasterCard and once I read all the perks I didn’t hesitate to make the phone call to get this new PC credit card set up.

It sure does sound posh and looks as fancy as the PC Financial World MasterCard except this credit card has a few more fancy perks. It was early last week that we were invited to contact PC Financial MasterCard at 1-866 246 7262 to upgrade if we were an existing customer.

Initially I didn’t see the email about the new PC MasterCard it was when I signed in to PC Financial to do our weekly online banking that I noticed the advertisement for it.

I also noticed that if you are an existing bank account holder at PC they were offering 2.6 % on any new deposits until the end of 2015. All these perks in one spot.

What I did was I flipped my PC MasterCard over and dialed the PC MasterCard Phone Number on the back of the card which is 1-866-246-7262 or collect 647-426-1343 to get in touch with customer service to set up the credit card. You can also use the number above which was found online for the new credit card.

The great part is if you are not a PC MasterCard customer and are approved for the PC Financial World Elite MasterCard by November 16, 2015 they start you off with up to 50,000 PC Plus points! How cool is that? More free groceries for you.


Who can apply for the PC Financial World Elite MasterCard?


What I didn’t know was that not just anyone can apply for the new PC Financial World Elite MasterCard. You must earn at least $70,000 annually or $120,000 combined annually to apply for this new credit card.

Thankfully the wife and I do have an annual income over $120,000 a year so we were able to apply for the card which took less than a week to arrive in the mail. I asked the PC MasterCard associate on the phone if they would be doing another credit check and he said no because we were already existing credit card customers.

He went through a myriad of legal information and all the new perks that came with the PC Financial World Elite MasterCard. At the end we accepted the credit card and he sent a confirmation to our email address.

Once we got the card we were instructed to call the phone number which was on a sticker to set up our PC Financial World Elite MasterCard pin number. Once we did that we were instructed to cut up our PC Financial World MasterCard as it was no longer valid.


Why we joined the PC Financial World Elite MasterCard?


Points, Points and MORE PC Points! We LOVE FREE GROCERIES…That’s Why!

The PC World Elite MasterCard rewards points are what captured our attention right from the start. I suppose if your main goal getting the card is for free groceries like it is for us any opportunity to get more points should be taken.

Since PC started the PC Plus program where they send you can load products they think you may purchase each week based on your buying history we’ve been hooked. They know what they are doing and if you are smart and can do the math you too can see how fast your PC Points will grow.

What we do is match the PC Plus Points with weekly deals, coupons and any in-store PC Points to get maximum points with our PC Financial MasterCard. This has allowed us to get hundreds of dollars worth of free groceries every year.

Mrs. CBB and I are looking forward to see how the rest of 2015 plays out with the PC Points and all of next year since we track our points and redemption’s in the Grocery Game Challenge each week.

Let’s compare the PC Financial World MasterCard and the new World Elite MasterCard.

As you can see with the new credit card you can get PC Plus Points when you shop at Shoppers Drug Mart which the World MasterCard does not offer. You also get an extra 10 points for every dollar spent in all PC stores with the new credit card. To top it off you get an extra 10 PC Points for every dollar at PC travel, PC mobile and up to 3 cents a litre in PC Points instead of 2 cents.

PC Financial World MasterCard Benefits

  • No Annual Fee
  • 20 PC Points for every $1 spent in their stores
  • Esso Bonus of up to 2 cents per litre in PC Points
  • 20 PC Points per $1 spent with PC Travel
  • 20 PC Points per $1 spent with PC Mobile
  • 10 PC Points everywhere else
  • Free Benefits

PC Financial World Elite MasterCard Benefits

  • No Annual Fee
  • 30 PC Points for every $1 spent in their stores
  • 30 PC Points for every $1 spent at Shoppers Drug Mart
  • Esso Bonus of up to 3 cents per litre in PC Points
  • 30 PC Points per $1 spent with PC Travel
  • 30 PC Points per $1 spent with PC Mobile
  • 10 PC Points everywhere else
  • Plus Premium Benefits all for no annual fee

What are these Premium Benefits?

From what I can see we are getting the same perks as the PC Financial World MasterCard except for the last two which seem to be added perks to this new credit card.

  • MasterCard Global Service replaces your card or offers a cash advance in case of emergency
  • Up to four free additional cards on your account for family members, so you can earn PC points even faster
  • Free personalized convenience cheques available to use at places that don’t accept credit cards
  • Free Purchase Assurance in case of theft, loss, or damage in the first 90 days7 when you pay in full with your PC Financial World Elite MasterCard
    Free Extended Warranty doubles the manufacturer’s regular warranty for up to an additional year7 on items purchased with your PC Financial World Elite MasterCard
    Enhanced service ensures your calls are answered more quickly by experienced agents

Plus, special offers and experiences some are listed below which PC states you would typically pay for with other credit card companies but they offer this all for free when you are a PC Financial World Elite card holder. Honestly these are some great perks all of which help the average person in sticky situations or times when you simply need help.

  • Identity Theft Assistant Service to help you avoid identity theft or restore your identity
  • Car Rental Collision/Loss Damage Waiver Insurance
  • Travel Emergency Medical Insurance for trips up to 10 days from date of departure, for those under age 65
  • 24/7 concierge service to make dinner reservations, reserve event tickets, deliver gifts and more


How do you redeem your PC Points?


That’s easy! Once you have 20,000 PC Points you can redeem them for $20 off your grocery bill. You must have at least 20,000 points to redeem though and can redeem higher amounts in increments of 10,000. The cashier will ask you if you’d like to redeem points and you just tell her, Yes I’d love free groceries.

President’s Choice products are available in Canada at Loblaws, Zehrs, no frills, Your Independent Grocer, Fortinos, valu-mart, freshmart, Provigo, Maxi (including Maxi and Co.), Atlantic Superstore, Atlantic Save-Easy, Super Valu, Dominion in Newfoundland, Real Canadian Superstore, The Real Canadian Wholesale Club, Extra Foods, Shop Easy Foods, Lucky Dollar Foods.


Who should get the new PC Financial World Elite MasterCard?


If you qualify for the new PC MasterCard and find you do most of your shopping in PC stores and you have a love for shopping at Shoppers Drug Mart this is the credit card for you.

Either way we’ve been happy with PC MasterCard services. We shop quite a bit at both stores so we felt this would be the perfect credit card for our little family.

Join NOW for the NEW PC Financial World Elite MasterCard. 

As always don’t forget to read all the fine print and all that boring legal stuff. Remember any of the info I share with you today in this post can change at any time so it’s best to go straight to the PC website for accurate updated info.

Note: There are no affiliate links in this post. This is my personal review of the new PC Financial World Elite MasterCard.

Do you or will you be applying for the new PC Financial World MasterCard? What credit card do you use to get free groceries or other free stuff?


October Grocery Game Challenge posts


Join in the Grocery Game Challenge (GGC) fun and post your grocery shop in the comment section of each GGC blog post. Here are the rules to get you started and if you have any questions feel free to email me.

New monthly prize: $10 President’s Choice Gift Card. The odds are good right now to win each month but I hope to have more people join the GGC not to win but to get back control of their grocery budget. Winning is just the perk.

I use a random online generator to pick the winning ballot every month.

Congratulations goes to our first PC Financial Gift Card winner …. Ballot #9 Christine W.

If you missed any grocery game posts for the month I will post the line-up each week here for you so you don’t have to go looking for past GGC posts for the month. This makes posting a bit easier although all you need to do is click on The Grocery Game Challenge on the homepage sidebar and you will see them all.


Free Tools to get you started with your grocery budget


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 $235.00
  • Total Gift Cards used to date: $32.40
  • Total Rewards Points redeemed this week: $0
  • Total Rewards Points used to date: $140.00
  • PC Points Plus Earned to date: 7975
  • Scanning Code of Practice (SCOP) to date $0

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

  • Snap Groupon to date: $28.00
  • Zweet to date: $18.00
  • Checkout51 to date: $6.00


Grocery Shop This Week


Food Basics

  • 4 x Tasters Choice Coffee Sale $3.99 each
  • 2 x Nescafe Rich Instant Coffee Sale $3.99 each
  • Mince Beef $5.99
  • Que Pasa Organic Tortilla Chips $2.99
  • Reduced red peppers $1.49
  • Reduced mixed Apples $1.29
  • Yellow Onions Sale $1.29
  • Bananas $1.97
  • Cauliflower Sale $0.97
  • 4 x Green Giant frozen vegetables  Sale $1.99 each
  • Beatrice 3.25% milk 4L $4.97
  • Parmalat 2% milk 4L $3.97
  • 2 x Selection Cheese bars Sale $3.97
  • Astro Original Yogurt $3.29

Total Out-of-Pocket $69.04


  • 6 x Kraft Cheese Bars $3.99 each =$23.94 (stockpile budget)

Total Out-of-Pocket: $23.94 Stockpile Budget

  • Total to spend this month $235
  • 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 $25.00+Sept $25.00+ Oct $
  • Stockpile budget used this month: $23.94
  • Total coupons used this week: $0
  • Total coupons used to date: $34.50
  • Total in-store discounts this week: $0 (no original price on reduced produce)
  • Total in-store discounts to date: $581.11
  • Total spent this week: $69.04
  • Total spent so far this month: $69.04
  • Total over/Under spend this shop: over $over
  • Total over/Under spend for the month: $under
  • Total left to spend for the month: $169.96 or $169.95 rounded
  • 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 $118.15+ September $130.37+ October $

Weekly Overview (your final thoughts)

It’s a brand new month and we are excited to get using our new PC Financial World Elite MasterCard to see how many PC points we can save up before the end of the year. Since we’ve already spent most of the points it will be a real testament to see how fast we can build them up again.

I have one thing to say about that cheap cauliflower we bought this week. It has to be the biggest cauliflower I’ve ever purchased and it was so cheap. I bet in a few weeks they will be back up to regular price at $4.99.I was thinking about running back to get more so I could freeze the florets. I’m still thinking about it.

Here’s to lots of great deals. Come on Loblaws! Have a great shopping week everyone.


Canadian Coupons Found


Here are some great places you can find Canadian Coupons!

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

October GGC coupons game 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 app joining forces with the many apps that are already out there.
  • What is the Best Flyer App- We use Flipp on our Iphone so if you wan to have all your flyers in one spot download Flipp from the Apple Store or get it on Google Play.
  • 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.


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


  1. Our weekly budget is $125 a month making this month $500
    Save on foods
    $6.50 sweet potatoes -6lbs
    $4.99-$1C cheese whiz
    $4.32×2 4L homo milk
    $12.63 total oop
    $1 total coupons
    $5×2 pumpkin pie
    $4.92 2L egg nog
    $14.92 total oop
    $7.49 colouring book
    $2.49×2-$1C eggs dzn
    .99×2 nn evaporated milk
    $1.88 cookies
    $6.99×4-$3Cx2 folgers kcups
    $3.82-$1C pure leaf iced tea
    $40.48 total oop
    $8 total coupons
    had a bonus offer of 8000P wus$40+
    No frills
    $1.97×16-.75Cx16 300G Armstrong cheese
    $2.07 coffee creamer
    $1.25 crescent roll
    .97×2 apple juice
    $1.67×4 crackers/cookies
    $1.27 mushrooms
    $1.87 bananas
    $1.30×2 @L pc pop
    $40.35 total oop
    $12 total coupons
    $2.99×2 white tray buns
    $5.32 4L homo milk
    $1.25×4 aero strawberry choco bar
    $3.44×2-$1Cx2 1lb strawberries
    $2.60, $2.68 sausages – campfire hot & honey garlic
    .99 3pk lindor
    $2.93, 2.93, 2.76, 2.75 chicken breasts bnls sklns – clearance
    $2.78, 2.73 chicken thighs – clearance
    the following is my discount Tuesday shop
    $5.29-fpc vector granola
    $3×2-fpc cookies & cream oatmeal – my kids fav
    $3.39-fpc harvest crunch granola
    $1.99×2 crackers
    $1.25×4-$1Cx2 aero choco bar
    $3.44-$1C 1lb strawberries
    .99×4 stove top
    .99×2 gravy mix
    $2.69 dzn eggs
    $1.99×4 sm international
    $2.23 bananas
    $1×2 lettuce – rain cheque
    $1.66 2L pop
    $8.99×4-fpcx3 flamingo frozen chicken products
    $7.60 turkey – smallest one found 🙂
    $6.99-fpc sch chicken smokie
    $5.29×2-fpcx2 ml top dogs
    $4.99-fpcwub3 protinis
    $9.99-fpc hl cod fillets frozen
    $80.98 total oop
    $79.20 total coupons
    $12.57 total 10% discount
    $1.94-$1C off area bug spray
    .94×7-.94Cx7 off pump spray 2000P!!
    $2.94×2-$1Cx2&$10snap off sm lamp
    $2×13-$1Cx13 pam spray
    .44 kick board swimming – clearance
    $7.98-$1x2CZ ricotta
    $6.96×2-$3C infant Tylenol
    $2.50×2 white choco chips
    $4.98 raisins
    $1.07 pc 2L pop
    $46.85 total oop
    $25.64 total coupons

    $242.71 total weekly oop
    $138.41 total weekly coupons

    More stocking up and awesome deals and sales had!!
    Used up some fpc and other awesome coupons this month 🙂

    • HI Juanita,
      The eggnog is out the eggnog is out lol… i love it! What kind of colouring book did you buy for almost $8… we get ours at the dollar store lol.Does it color for you haha! Where were the coupons for the hotdogs and chicken nuggets from? I hardly ever get an FPC anymore. Well done and lots of deals and FPC usage. You get ballot 23. Mr.CBB

      • Hey Mr.CBB
        LOL!! yes it may as well, it was an adult colouring book with some pretty awesome pics and quality paper and I needed to get to $40 to get the points so I splurged.
        The top dops fpc was from redeeming lunchmate codes online and the flamingo fpc were from the rep that I have know for years 🙂

        • Oh so you have inside help to get your FPC’s I get it lol. Good for you. We don’t use the lunchmates. Does the little one like them? our son is 15 months now and a picky eater. Not so much picky but he doesn’t eat much.

  2. Christine Weadick says:

    Yearly grocery budget for four adults and two 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 $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: $0, cashed out $25.75
    Checkout51 to date: $.75

    Grocery Shop This Week
    Foodland #1
    1 jug water -5.49
    2 Cheerios @2.99
    1 yogurt -2.99
    1 cranberry cocktail -2.98
    1 pack pasta, Compliaments brand -.99
    2 4l milk @4.88
    2 blocks cheese @3.99
    2 packs fresh cranberries @2.99
    Bananas -1.13
    1 pack lean ground beef -5.78
    1 pack grated Parmesan cheese -6.35
    2 bagels @2.99
    Total OOP -$61.39
    Foodland #2
    1 jug water -5.49
    3 cases pop @3.33
    1 yogurt -2.99
    1 Ocean Spray cranberry cocktail -2.99, 1.50 discount from air miles
    2 cans pineapple bits @ 1.59
    1 turkey pop up timer -1.99
    3 lbs butter @3.99
    1 doz large eggs -2.99
    1 Green a Giant frozen peas -1.99
    10 lb bag potatoes -3.99
    1 bunch celery -2.49
    1 rutabaga-2.30
    1 pack fresh sage -1.99
    1 bag cole slaw -1.99
    Bananas -1.12
    1 pork loin -4.04
    1 grated Parmesan cheese -3.95
    1 raisin bread -2.99
    1 W/W bread @2/5.00
    Tax -1.56
    Total OOP -$83.26, 1.50 discount
    Foodland #3
    1 case ginger ale -5.99
    1 jug water -5.49
    2 pasta sauce @2/5.00
    1 yogurt -2.99
    2 cans tomato paste @.59
    2 4l milk @4.88
    1 lb butter 3.99
    1 doz large eggs -2.99
    Bananas -1.28
    1 zucchini -1.62
    1 turkey -16.69
    1 pack lean ground beef -4.89
    2 W/W bread @2/5.00
    Tax -.78
    Total OOP -65.65
    Canadian Tire
    1 Method hand soap -5.99
    1 bag Whiskas cat food -7.99
    1 A&H laundry detergent -3.50
    Total OOP -$17.48
    Total to spend this month $650.00
    Stockpile budget 2015 ($25.00): Jan 22.20+ Feb $24.50+ Mar $22.18+ April $18.32+ May $40.95+ June $24.15+ July $45.32+ Aug $32.92+ Sept $22.43+Oct $
    Stockpile budget used this month: $0
    Total coupons used this week: $0
    Total coupons used to date: $125.64
    Total in-store discounts this week: $1.50
    Total in-store discounts to date: $127.58
    Total spent this week: $175.94
    Total spent so far this month: $174.94
    Total over/Under spend this shop: over $over
    Total over/Under spend for the month: $under
    Total left to spend for the month: $474.06
    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 $674.89+ September $610.32+ October $
    Weekly Overview (your final thoughts) I came very close for the week, the turkey would have been what put me over but for the number of meals out of that bird I can live with that. So far it is 6 meals for the four of us and there is now a couple of packs of meat and 3 containers of stock in the freezer for future meals!! The pop has been on sale so I did a slow stock up of sorts, the same with the butter, not a really great price but it is Gay Lea brand so there is now some in my freezer too. The cat food at CT wasn’t that great a price but it was still cheaper than the grocery store….

    • Hi Christine,
      You picked up some great deals this week. It seemed like an ordinary shop for you with nothing over the top. The best thing about a turkey is how far you can spread the meals. We bought all those chickens and will be making stock too. How do you store your stock? I was thinking in Ziploc bags and then lay it flat so it freezes flat? The butter was better than what regular price is. I saw it at Zehrs for $7.99 the Lactancia where Food Basics had it on sale for $2.88. Stock up time for sure. Well done. You get ballot 21. Mr.CBB

      • Christine Weadick says:

        To freeze my stock I use the plastic containers as they can be stacked and they have the quantity imprinted on the bottom so I know how much is in the container. My 3 containers are holding about 3 cups each as that is the size of them. Other stuff I freeze the same way so I can tell how much is in there just by looking at the bottom. Nice feature to have if you need a certain amount for a recipe or meal. The meat is in bags labeled with the date. I think if I was making up the freezer meals like they do for the 30 day meal plans and such I would use the bags so they can be stored flat but I would have them on a plate or in a bowl to thaw….bags can leak easier than a rigid containers…

  3. Angela Mainse says:

    Week 1 – October 4 – 10

    • Grocery budget to work with in October: $200
    • Total coupons used this week: $2
    • Total coupons used to date: $128.91
    • Total RCSS gas coupons used this week: $0
    • Total RCSS gas coupons used to date: $16.71
    • Total value PC Plus points redeemed this week: $0
    • Total value PC Plus points redeemed to date: $340
    • Total gift cards/certificates/gifts used this week: $0
    • Total gift cards/certificates/gifts used to date: $63.76
    • Total student discounts this week: $3.96
    • Total student discounts to date: $192.99
    • Total tax savings RCSS this week: $0
    • Total tax savings RCSS to date: $11.98
    • Total spent this week: $46.55
    • Total spent so far this month: $46.55
    • Total left to spend for the month: $150
    • Carry over: $3.45
    • Total in carry over jar: $65.30
    • Total Spent To Date 2015: $2,454.70

    RCSS: McCain Fries 2 x 1.66, Franco beef gravy 2 x 3/2.00 (6 cans), PC 2 L .98, PC 2L .94, PC Croutons 1.88, Miss Vickies 2.98 – 2.00 coupon, NN shredded cheese 2 x 3.97 (PM), milk 3.97, McCain hashbrowns 1.66, brussel sprouts 1.98, bananas 1.63, cauliflower .97 (PM), grapes 2.13 (PM), lettuce 1.28, Schneider salami 3, Pillers Kielbasa 4.47, less student discount 3.96, plus tax .57: Total 37.75 rounded up 1 cent

    Dollarama: bread 2.00

    RCSS: Campbells beef broth box 3 x .97, clearance ground chicken 3.89:Total 6.80

    First week of the month and still on track. I’ve moved the leftover already into the carryover jar. I have no intention of using it, Halloween trick or treater candy can be the only complicating part to this month that I can foresee.

    Got as much as I can on the Tuesday shop. No clearance bread, so stopped at Dollarama for one of the big loaves since I wanted to make French Onion soup that night and didn’t have enough homemade bread. The extra shop came from the lack of broth to PM. I went into Walmart the next day to pick up the sale item in their flyer, but they didn’t have any. I took a chance and went back into RCSS just in case they stocked the shelves of it that day. Broth has been flying off of the shelves and beef is the hardest to find. Luckily I found lots, and got what I needed. Not a lot, but enough to have on hand. I have soup bones in the freezer, I just haven’t had time to thaw it and make the broth. This way I have everything I need. The ground chicken overnight dropped in price significantly from the day before, so I picked up a package. It became the dinner for that night. I originally had sausages planned, but I bumped them to the next night. We have had a lot of pork lately and we were happy to split it up. Chicken burgers were the result. And, everyone was happy.

    However, with the drop in budget, no turkey was in the cards for us this Thanksgiving. That’s alright, I am going to pull out a whole chicken out of the freezer and match it up with other traditional fixings.

    Not a bad start to the month.

    • Angela Mainse says:

      LOL. I didn’t change the top line, should say grocery budget for October, not September!

    • Hi Angela,
      So this is your first Oct post then. 🙂 We didn’t have a turkey either only because we don’t care for such a large bird for the two of us. Our son hardly eats anything and we don’t want too much food hanging around. We much rather prefer chicken or pork so like you we roasted a whole chicken that we got on sale at Zehrs. We picked up quite a few actually because the price was too good to pass up. You’ll see it in the new GGC post from today. I’d say you had a great start to the month. IF at first you don’t find what you want get a rain check or go back in again the next day. Save yourself with the gravy.. it’s dead easy to make with beef cubes. You can buy 6 beef cubes for under a 1.00.. and all you need is flour, butter and water and bam a HUGE pot of gravy. 🙂 You get ballot 18. MR.CBB

      • Angela Mainse says:

        Unfortunately, with the broth as being a PM, I couldn’t get a rain check at RCSS. Our Walmart is crabby and won’t rain check their items. I’ve been able to get one in 10 years. Sad really. So, it was look for the deal, snag it when I could. And having the broth on hand makes it easier for my son and hubby to participate in meals taking the burden off of me sometimes

        The gravy may seen a frivolous expense, but I only buy it around the holiday times when they come to a great price. I of course make my own, but hubby and my son can’t. I’m not always home for dinner and they have to be able to complete the meal themselves. I am in the middle of teaching my son many kitchen skills, but we are slowly working our way to the hot stovetop, so he will eventually learn. Six cans of gravy could last us many, many months. For my own gravy, I use the Kitchen Bouquet browning seasoning, flour and water (usually with some drippings from the meat and water from the boiled veggies).

        I saw the chicken deal you got. Amazing! I would have been thrilled to find that one. Makes a great meal or two and stock for many soups after. Awesome

        • Oh, I never thought of that with the PM. Ah, so buying it once in a while is no big deal then. That makes sense. How old is your son now? We actually just got a bottle of that browning seasoning in the bottle. I didn’t know what to do with it so I looked it up. I didn’t realize I could make gravy with it. Thanks for the tip, now I know. 🙂 My wife was hesitant then she saw the price of the other chickens they had and she said, load up!! lol.

          • Angela Mainse says:

            My son is 10. He’s learning to find his way around the kitchen more. He is easily distracted so we watch carefully when he’s using the stove, but aside from that, he has taken an interest in cooking. He’s always loved baking and is always proud of his apple crisp (all I basically do is peel the apples, the rest is up to him). We are focusing on the cooking part too. Gravy will come, main dishes are the current focus, and I don’t want him to just cook out of a box.

      • Angela Mainse says:

        All other posts had the correct date on the top, just this one should have said October, not September. I’ve got it sorted out for now, unless I forget when I change to November, lol!

  4. Mary F Campbell says:

    OCTOBER – Week #1 of 4- Oct 5-11, 2015


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



    Before we start our OCTOBER off though, I am going to make my “reserve” transfers for the month:


    $ 190.00 for the month
    $ 52.09 carried forward from September
    ($12.50) trf to borscht reserve- normally $12.50
    ($ 17.50) trf to re-stocking – normally $17.50
    ($ 25.00) trf to holiday reserve–normally $10.00
    ($ 17.09) trf to summer reserve–normally $10.00
    ($ 50.00) trf to US Reserve –normally $50.00

    Grocery Balance $120.00 for OCTOBER


    This week we’ll be celebrating our Canadian Thanksgiving but we aren’t making a traditional meal.

    I have planned a Mushroom Parmentier with steamed broccoli for the Monday and on the Sunday we’re having a pork roast with roasted vegetables, baked applesauce in an acorn squash with a dusting of brown sugar and a dot of butter, and it goes without saying, there will be a mandatory slice of gluten free pumpkin pie! Saturday is a baking day (2 loaves of banana bread and a dozen Pumpkin-Cranberry Muffins) plus we’re making a Cheesy Potato Soup in the crock pot to enjoy for supper while we watch some taped tv shows.

    We are saving our turkey feast for Christmas this year. I have however started stocking things for Christmas week and therefore used ($9.98+$5.00+$15.32+$34.58) = $64.88 from our Christmas reserve in this week’s US shopping.



    Thrifty Foods – Maple Ridge –

    2 Simply Steam Peas in Butter Sauce @ $1.66 ea = $3.32
    2 Simply Steam Broccoli in Cheese Sauce @ $1.66 ea = $3.32
    2 Simply Steam Mixed Vegetables in Butter Sauce @ $1.66 ea = $3.32
    6 Habitant Pea Soup @ $2.00 ea = $12.00
    Less Bag Return -$0.03

    Total OOP: $21.93

    ** Earned 1 Air Miles on this shop **
    ** SAVED $0.00 in Rain Check Coupons **
    ** SAVED $9.72 Loyalty Savings on this shop **



    Franz Bakery Outlet – Bellingham

    2 WW bagels (FREE)
    2 GF White bread (freeze for Christmas stuffing) $9.98

    • US Grocery OOP: $0.00
    • Christmas Reserve: $9.98
    Fred Meyers – Burlington

    2 Peppermint Mocha Creamer @ 2 for $5 (for Holiday Season) = $5
    6 pkgs cinnamon raisin English muffins @1 ea = $6.00
    2 pkgs onion buns @ $2.00 ea = $4.00

    • US Grocery OOP: $10.00
    • Christmas Reserve: $5.00
    Walmart – Burlington

    2 Daisy Cottage Cheese @ $2.96 ea = $5.92
    12 Yoplait Yogurt @ $0.58 ea = $6.96
    2 2lb – Velveeta @ $6.88 ea = $13.76
    3 GV Tuna in water 4-pack @ $2.96 ea = $8.88
    3 bags Rice Krispies @ $4.88 ea = $14.64
    1 Cheetos – Family Size $3.98
    1 Freetos – Family Size $3.98
    2 Large packages Sliced Apple slices @ $4.98 ea = $9.96
    1 Sugar Free Strawberry Jam $2.68 – for Christmas
    1 Sugar Free Blackberry Jam $2.68 – for Christmas
    1 Butter Spray $3.78
    2 gal Welch’s Concord Grape Juice @ 4.98 ea =$9.96 – for Christmas

    • US Grocery OOP: $71.86
    • Christmas Reserve: $15.32
    Costco – Burlington

    1 – 2 pack lemon juice $5.79
    1 – 2 pack lemon juice $5.79
    1 – 2lb Tillamook Pepperjack Cheese $7.99
    1 – 2lb Tillamook Pepperjack Cheese $7.99
    1 Tillamook Cheddar Slices $9.69
    1 Tillamook Cheddar Slices $9.69
    1 4-lb pkg butter $10.99

    • US Grocery OOP: $57.93
    Rite-Aid – Burlington – for Christmas

    1 Planter Deluxe Mix Nuts (14.29 ea) = $28.58
    4 x 14 oz Spearmint Leaves Candy ($1.50 ea) = $6.00

    • US Grocery OOP: $0.00
    • Christmas Reserve: $34.58



    •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 $35.63 + Sept $131.053 = $206.24

    •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 + Sept $88.75 = $102.75

    •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 + Sept $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 160 + Sept 84= 481 Points

    •Total Air Miles Earned This Year:

    Jan 0 + Feb 0 + Mar 1 + Apr 1 + May 322 + June 0 + July 0 + Aug 4 + Sept 176= 504 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 + Sept 2,200= 9,400 Points

    •Total Optimum Points Earned This Year:

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



    •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 $319.00 + Sept $117.32 + Oct (trf $25.00 Xmas Reserve+$17.09 to Summer + $17.50 trf to Re-Stocking Reserve + $12.50 trf to Borscht Reserve + $50.00 trf to US +$21.93= $144.02)= $1,801.93

    •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 + Sept 190.00 + Oct $190.00 = $1,900.00

    •Total Over/Under on Year-To-Date Grocery Budget: $98.07 AVAILABLE



    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 + Aug $0.00 + Sept $9.38 +Oct $0.00= $69.05



    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 + Sept ($17.50-$120 – $167.50= – $270.00) + Oct $17.50 = $217.50



    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 + Sept $12.50 + Oct $12.50 = $537.50



    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 + Sept $10.00 + Oct ($25.00 – $64.88 trf to US Reserve = -$39.88) = $185.12



    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 + Sept ($9.85-$106.16 = -$96.31) + Oct $17.09= $167.09



    $ 1,900.00 Grocery Budget JAN-OCT
    $ 69.05 Redeemed Points to Purchase Groceries
    ($ 0.02) Hiding Spot Cash – SPENT
    ($ 13.45) 2014 Costco Rebate Chq – SPENT
    ($ 169.31) Trf to Misc Reserves (Re-Stocking, Borscht, Xmas, Summer)
    ($ 201.81) Trf to US Grocery Reserve
    ($ 69.05) Set in a reserve to offset Redeemed Points
    ($ 1,417.34) Actual CASH SPENT



    $ 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
    $ 4.69 Skim Milk- 3,100 MORE Pts – SEPT
    $ 4.69 Skim Milk- 3,100 MORE Pts – SEPT

    $ 69.05 Total $ Value of Points Redeemed

    So far $1,900.00 has been budgeted Y-T-D for 2015 and we have recorded these funds as “spent” and in fact they have been “saved”:

    $217.50 Freezer Re-Stocking Fund
    $537.50 Borscht Fund
    $185.12 Holiday Season Fund
    $167.09 Summer Season Fund

    OUR CURRENT TOTAL UNUSED RESERVES ARE $1,107.21… that is a $937.50 carry-forward from 2013 & 2014 and $169.71 in NEW 2015 savings that are remain after spending $574.11 of the reserves in SEPTEMBER and OCTOBER.

    This also means that with $190.00 to start OCTOBER plus $52.09 available carried forward from SEPTEMBER less $72.09 transferred to the various savings reserves less $0.00 transferred for Points Redeemed = $170.00 plus an additional $50.00 saved in our US grocery reserve, we opened the month of OCTOBER with $120.00 available to spend on the Canadian side of the border LESS we have spent $21.93 on our groceries (cash & points) so far this month and have $98.07 AVAILABLE for the month of OCTOBER.

    We have groceries that have been purchased using points redeemed, rather than the budgeted cash in the amount of $69.05. Available as an offset, we currently have $69.05 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 $110.21 IS AVAILABLE for our next US shop!

    Of the outstanding US Shopping Reserve $110.21:

    $113.07 is carried forward from 2014
    $252.50 is new 2015 Y-T-D savings
    Less $115.57 that we’ve transferred back to the grocery funds
    PLUS $64.88 transferred from our Christmas Reserve funds
    Less ($9.98+$5.00+$15.32+$34.58) = $64.88 Christmas spending in the US
    Less ($10.00+$71.86+$57.93) = $139.79 that we’ve actually spent in 2015
    = $110.21 US Reserve Available


    The valid rain checks I hold are as follows:

    Thrifty Foods –

    14 x 14 oz Compliments NO SALT Diced Tomatoes @ $1.00 ea – good until Dec 27/15

    6 x WW Bread @ $1.00 ea – good until Dec 29/15


    • Hi Mary,
      I see you finally made it to the USA! 🙂 We didn’t have a traditional Thanksgiving dinner either as we did not go to the relatives. We wouldn’t be able to handle a big turkey here. There’s just too much for us and we aren’t the biggest fans of turkey. We much prefer pork or chicken. I was wondering how do you keep the creamer for Christmas? Can you freeze it? That was a great price for the cheese! I was thinking about doing a post on Food Reserves as Della does this as well. If you have anything to add or the process you use I’d be happy to add it into the post. I know I have the projected expenses but not everyone wants to save for them. If for example someone wants to save for food reserves only this may be an alternative. I know some people come Christmas or other holidays may have to scrimp because they can’t afford the meal and holiday expenses and I thought this might help. Well done this week and I’m impressed how you’ve started your Christmas Stock-up!! You get ballot #15. MR.CBB 🙂

      • Mary F Campbell says:

        Mr CBB, no the creamer is in the fridge because the Best Before date is in Feb 2016! Only hubby went to the US.

        That trip including shopping is about 8-9 hours and that is just too long a period for me…what with the wound still open and the heavy diaretic that I am taking. I can usually do about 4 hours without laying down for a few minutes. Plus, I would drive hubby crazy with my need for a washroom every 30-45 minutes. LOL 🙂 Maybe I will get to go in early 2016.

        • Oh wow, I didn’t realize it was such a long trip to the USA for the both of you. Well, Larry did an awesome job picking up all the deals. I didn’t realize creamer would last that long in the refrigerator. That was a great deal too!!

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