Product pricing less than the manufacturer advertised price : The grocery game challenge #3 Apr 14-20, 2014

pre-priced products Mr. Goudas honey mielPRODUCT PRICING IN YOUR FACE

 

Price monitoring may lead to us seeing more of the manufacturer advertised price printed right on the product we are purchasing at the grocery store.

Back in March I wrote a post about the suppliers fighting back because they no longer want to see their products viewed as the loss leader to get customers through the door.

Some places like Shoppers Drug Mart have a great deal on milk which is why we buy it there every week paired with their Shoppers Optimum program for points however the milk is advertised at below cost pricing from what we were told.

Now that’s not a bad thing from our perspective as a customer because we use milk every day and we want the best prices. We shop more at Shoppers Drug Mart not just because the milk is cheap but also because of the points program and great flyer specials they have.

Does the milk get us through the door? You bet! If we didn’t need milk and eggs which also go on for a great price at $1.99 most weeks we might not go in as much. You know you are a regular when the staff know you by name like they do us lol.

 

Manufacturer advertised price

 

It was the product in the photo above Mr. Goudas Honey with the manufacturer advertised price on the bottle that alerted me to something I haven’t seen before in terms of pricing. However as you can see the store price tag is selling the honey for less than the manufacturer advertised price at $6.49.

Even if it’s only the manufacturer suggested retail price on the product the retailer has to decide whether they want to sell it at that price or lower the price. You won’t see the price any higher than the labelled price because that would simply make no sense whatsoever.

In a way I see this as the manufacturer forcing the retailer to make a pricing decision based on what the manufacture advertised price is on the product. They know that the retailer won’t drop the price too drastic so they cap it off at what they believe the price should be and hope for the best.

I don’t know of any product pricing laws in Canada besides the scanning code of practice but that’s not a law it’s just voluntary however you never know what lurks around corners.

Sure, we look at that immediately as it’s a great deal because we are paying less than what they originally wanted. Who is they? The manufacturer of course by why are they putting prices on the products now?

Maybe they are trying to force the stores to sell the product at that price and this is what we have to look forward to in the future. This may also be a way for the manufacturer to control the pricing from going higher but not so much lower at the moment.

We often hear of friends and fans of the blogs going over to the USA to do shopping and it’s because the price gap between the US and Canadian products makes that trip worthwhile for them.

Even though you factor in toll costs and travel time and gas for cross-border shopping once you do the math with your grocery bill you still may save more money than if you simply shopped at home in Canada.

Do we want to keep the money in Canada? Sure we do but pricing and budgets matched with what Canadian families can afford may just draw them over the border.

Do you think we will see more products with a manufacturer advertised price on them? What do you think of this type of pricing by the manufacturer?

 

April 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. :)

 

Grocery saving tips

 

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

Free 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 saving 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.. check it out!

 

Ultimate grocery shopping guide

 

Everything you want to know about grocery shopping in Canada is below with new information added monthly.

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 and let me know.

 

Food food and more food

 

shopping-cart-short-cash

Food Basics

4 x Frozen Wild Salmon- Sale $6.97 reg $10

Total out-of-pocket $27.88

Grocery shop results

 

 Wild Pacific Salmon

 

Yearly grocery budget for two: $2820

(The above total does not include the stockpile budget of $240 per year or $20 per month.)

  • Total Grocery Budget for the Month: $235.00 or $78.33 week with potentially one no-shop week per month or $58.75 for 4 weeks per month. (During the months with 5 weeks we just make it work)
  • Total Budget for March $235.00-$20.82=$214.18/4=$53.54
  • Total Coupons Used this Week : $0
  • Total Coupons Used to date: $33.75
  • Total Discounts this Week: $0
  • Total Discounts Used to date: $5.54
  • Total Gift Cards Used to date: $33.18
  • Total Rewards Points Used: $0
  • Total Rewards Points Used to date: $0
  • Stockpile Budget ($20.00): $20.00-$20.00=$0
  • Stockpile Budget Used to Date: $20.00+$19.08+$17.94+ $2.06+$20.00
  • Total Spent This Week: $27.88
  • Total Spent So Far April: $202.45
  • Total Over/Under spend this shop: $n/a
  • Total Over/Under spend for the month: $n/a
  • Total Left to Spend for the Month: $39.31-$27.88= $11.43
  • Total to Carry Over Next Month: $n/a
  • Total Spent To Date This Year: (does not include stockpile budget) Jan $242.66+ Feb $191.74+ March $255.82+April $
  • Weekly Overview: We are away for the week so we are eating at the relatives so we didn’t need too much in terms of shopping, well nothing lol. We did pick up the salmon since it’s such a great price and we love it. We don’t have much left to spend for thee month with the stocking up we’ve done. We do have $70 in PC points now to use if we need to.

 

Coupon Sleuth

 

We didn’t find any coupons this week since we didn’t really shop.

Did you find any coupons? If so share the details in the comment section of this post where you found it and what the coupon is for with expiry.

 

Frequently Asked Questions

 

 

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. You can post your shops all month-long.

 

  • Does your Grocery Budget include health and beauty and laundry products?

 

Yes our Grocery Budget includes such items as shampoo, conditioner, laundry soap, fabric softener, dish soap etc. 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.

 

 

Here are your latest Coupon Match-ups of the week and your weekly Checkout 51 offers from 25 Newspaper Inserts around Canada compliments of Save Big Live Better that you can use to help you save money in the Grocery Game Challenge.

 

  • What is an FPC?

 

An FPC is a free product coupon which means you can get a free product as described on the coupon.

 

 

You can find all your store coupon policies here. If you are not sure it’s always best to call the store and ask.

 

 

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 2014 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.

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 Canada 2014!

-Mr.CBB

Money-quote

 

Are You New To Canadian Budget Binder?

Where can I get cash for second-hand clothes?

cash for second-hand clothesEVERY LITTLE BIT HELPS

 

Don’t think that you can’t get cash for second-hand clothes  because you can if you know how to turn used clothes into money back in your pocket. 

These days your options span from selling second-hand clothes online to having customers come to your home for a garage sale to visiting a consignment store.

There was a time a couple of years ago when we shopped second-hand clothing stores because it was cheaper to buy clothes that were used rather than buying them new.

The problem is that so many people are now frequenting these shops that prices have gone up exponentially to the point where you have to justify a purchase price.

My new motto is “just because it’s used doesn’t mean it’s a bargain price” and it’s true, if you know your prices when you shop second-hand shops. You will be shocked at some of the prices these days although if you go to the right places you can still save some money.

Going into Value Village used to be a fun trip for us because we would try to see if we could find good quality items that we would have to pay out the nose for at the mall or other shops for dirt cheap.

I can’t tell you how many times a week our phone rings with an organization asking to pick up used clothing which they sell for profit. There’s certainly money to be made in the second-hand clothing industry these days.

We were very successful on many occasions even finding brand new clothing items with the tags still on them for prices you just couldn’t pass up. It used to be that garage sales had the best deals on used clothing and other items but it seemed that during the off-season it was best to shop second-hand. That’s not so much the case anymore.

Consignment stores are nothing new and were shops that people knew about but not many people shopped in them. These days it’s the other way around and everyone knows what a consignment store is and loves to shop at them.

You can easily find vintage clothing for a fraction of the price. The kicker here is that people make money from their used clothes and so cash for clothes is now exploding.

 

Donate

 

Why donate when you can get cash for clothes that are used? I know it sounds silly that you would just give your clothes away for free when you can get cash for them. Not everyone cares to make money by selling their used clothing but the reality is not everyone has money sitting in the bank waiting for someone to spend it.

Sure donating is a great way to give back to those that are in need but if you have debt that you are struggling to pay back or other financial problems and you can get cash for clothes you would normally donate why wouldn’t you?

The big fashion these days is finding used clothes for a great deal and it’s not just the people who are struggling to make ends meet it’s the people with good incomes who are saying they want in on the savings too.

 

Second-hand clothes

 

If you’ve ever asked yourself “where can I sell second-hand clothes?” there are a few popular options for you that I will talk about today.

The above question is what one fan emailed me about because she says she has 3 children and a basement full of baby and toddler clothing. She bought some of the clothing used and other items were bought full-price at fashion clothing stores for kids which cost her quite a bit of money.

She said if she can get cash for clothes rather than giving them away she could put that money to good use, maybe into the kid’s college fund. Good point. Why not recycle the money that she spent by making someone else rich. I’m not joking either.

Starting a second-hand clothing store might be a smart idea according to my wife who was out shopping with her friend for second-hand baby clothes at a consignment baby store.

My wife said when she entered the store it was a floor to ceiling shop full of baby and toddler clothes and everything else under the sun that you would need for a child. One thing she noticed right off the hop was the prices.

She was shocked at the prices of second-hand items in the store. One top that you could easily find on sale at Old Navy was costing $5.50 not to mention the bins of shoes. Here’s the funny part.

While looking through the used shoes a few pairs from the dollar store came into view of my wife. She said that she had seen them for $1 at the Dollar store. When she flipped the shoe over the second-hand store was selling them for $6.50 a pair. OMG.

When my wife brought this to the attention to the store worker she shrugged it off and said the prices were generated by a computer. So, if you don’t know what you are buying you could be blowing more money than you really need to.

Not only did my wife find that doozy of a deal she listened and watched. This shop accepts any type of baby or toddler clothing in which you can get cash for clothes that you were likely going to donate. The women and men were piling through the door with boxes of items and once you take your cheese counter ticket number they call you up to go through your items.

They check to make sure everything is in good shape and tell you how much they will give you per item. Don’t be shocked when I tell you they only give you $0.50 for tops and $0.75 for name brand jeans.

Oh ya, my wife was amazed because if you think you are going to get rich from getting cash for clothes you were going to give away think again.

Sure it’s money you wouldn’t have had but they turn around and sell that top you got $0.50 for $5.50. The profit on the clothing and baby items in this shop is enormous. A baby bath that are a dime a dozen online sell for $3-$5 for a bog standard tub but in the second-hand shop some beat up tubs were selling for $12.

 

Know your prices

 

While roaming around different stores recently I would look in to check the prices on some of the baby items and bath tubs can range in price from $15-$50 even cheaper if you watch for sales.

Baby onesies Carter brand with a zipper were on sale brand new for $6.99 at Sears reg $12.99 or you could buy them second-hand for $6.00+ at the second-hand store. Makes you wonder if they are hoping you don’t shop retail believing the prices are too expensive.

It’s no wonder more and more of these shops are turning up around town but are they the best place to shop for second-hand clothes?

I doubt it’s because more and more moms and dads are fighting back with the high prices at these second-hand shops by starting their own groups online and of course the traditional summer garage sales.

If you want to buy second-hand go where the prices are reasonable. Sure, you may find items at the second-hand store that are cheaper but if a majority of what you buy is close to retail when on sale are you really saving much?

Since this shopping trip my wife and I have been closely watching online sites to see where you can get cash for clothes and whether prices were better moving away from the second-hand store and you better believe they are.

The top two places were Facebook and garage sales to score the best deals if buying and selling your second-hand clothes for cash. If you want freebies well you’d better stick to freecycle.

Below are a few places you can get cash for second-hand clothes if you really want to sell them to make some money back but remember just because you sell second-hand clothes doesn’t mean the prices are the best to buy them.

 

The second-hand shop

 

Not all second-hand shops will offer cash for clothes but like the baby shop I talked about above you can earn some money back if you bring in all the items that are collecting dust in your home. I can’t promise you big bucks but you will likely get something even if you were given the items for free.

 

Facebook

 

Are you looking to get rid of clothing and any other clutter in your home? Look no further than the social network giant, Facebook. There are so many groups that have been started for each city by people just like you who want to sell items.

If you have kids who have outgrown their clothes and you want to get cash for second-hand clothes get involved with these Facebook auction pages and see the money start to pile up.

You may even score more cash doing it this way rather than spending your time and gas going to a second-hand shop who offers you a small cut of the sale like above. Keep in mind not all second-hand shops may be like that one but it’s best to ring them up first to ask questions.

I didn’t explore further if other social media outlets like Twitter or Google Plus etc. have groups where you can get cash for clothes although it wouldn’t surprise me.

 

Consignment store

 

A consignment store is similar to the second-hand store above although I’ve seen more consignment stores accept adult and youth clothing over baby clothing and items. You may also find different styles of consignment stores such as clothing only or furniture only.

These shops will go over the items you bring in and they know the original price and will offer you a cut. They turn around and sell the item for profit. It’s a win-win situation like above but don’t expect to get rich.

I know my wife’s friend had a wedding dress that she had paid over $2000 for and a wedding consignment store offered her $150 dollars for it. You can bet they would turn around and sell it for 3 times as much.

 

Garage sale

 

It’s that time of year where garage sales are popping up every weekend. I always have people coming to CBB to find out more information on how to price items for a garage sale and that tells me it’s no easy task. I have shared my tips on how to buy and sell at a garage sale in the past but to be honest it’s not that hard as long as you know your prices. Garage sales weren’t meant to make you rich but if you sell your items for a reasonable price people will buy them.

We have seen on many occasions tables and racks filled with adult and kids clothing and prices that you just can’t beat. The best part is you can haggle with the seller because they want cash for clothes and you want to pay the least amount.

Negotiating is something you don’t get in second-hand shops or consignment stores that I’m aware of but you can haggle on Facebook depending on the group you join as they all have different rules.

What we learned from this quick research project over the past month is that if you want to get cash for second-hand clothes you no longer want you can easily make some money but you won’t be sailing off to the Caribbean with the profits. Explore all of your options first and knowing your prices are the key factors to take away from this post.

Have you got cash for clothes at a second-hand or consignment shop?

Do you use Facebook to buy and sell items?

What other tips can you share for the readers that I may have missed?

 

Money-quote

 

Are You New To Canadian Budget Binder?

 

Related articles

Photo credit: freedigitalphotos.net/Supertrooper

 

Why you should always look at a new product display : The Grocery game challenge #2 Apr 7-Apr 13, 2014

product-displaySAVINGS UNDER YOUR NOSE

 

Using a display to advertise is a great way to get a customer’s attention.

I’m pretty sure that without product displays that new products would never sell or get noticed despite mass advertising in print, television and social media online.

The old saying “out of sight out of mind” stands true because if you don’t see it you won’t find out about it or if you know about it you’ll forget about it.

How many times have you walked into a grocery store and flyer specials are starring you right in the face. That’s right, almost every single time. If they don’t put those products in our faces the likelihood of selling the mass amounts they bring in for a sale is not as great.

The fact of the matter is, it works and will continue to work as long as we keep paying attention to a new product display. Whether if it’s a new product or a sale product making sure the product is coming at us loud and clear is priority to making money and keeping you in the store to buy the higher priced items.

Don’t believe me? How many times have you read about the Justin Bieber cut out being stolen from Shoppers Drug Mart? They put Justin in the store because they knew that it would attract attention to the right people, and that it did. Marketing of this sort works for the most part because we get tired of the same old kinds of products and foods.

The good thing about checking out a product display is that you may find something you’ve been looking for or a new product might tickle your fancy. It’s not just processed foods that have a product display either. You can make your way through the produce section, dairy, bread etc. and find displays waiting for you to crowd them.

Look at the Recipes to Riches display at your local Loblaw’s stores…. they are massive just so you don’t miss it. They want you to check out the new product that cost them big bucks to market and bring into their stores not to mention the TV show and prizes.

We tried a pulled pork once only because it had a 50% off pink sticker and just to join the hype around the TV show and products. It was great but homemade is best and much cheaper to make. You will always pay for convenience no matter what you buy unless you make it at home.

 

Product display

 

Just about every week we go grocery shopping these days and each time we go there is a new pop-up cardboard product display just waiting for our attention. Although we don’t buy much boxed and canned foods we still do on occasion so paying attention while grocery shopping is important to us.

It’s amazing as well to see how many manufacturers use display devices on their displays to market their product whether it be a TV advert we can watch to a talking display.

Just yesterday I caught myself checking out every single product display that was in the store whether down the aisles, up front, at the back.. everywhere. Why?

For the most part in the past we’ve found some great deals on new products in a display whether it’s refrigerated or just a floor display. If you are an avid coupon shopper you know as well as us that coupons tend to show up on these displays as well. I can’t tell you how many great deals we’ve got using coupons on a product display with the product being on sale.

So many people pass by coupons because it’s just not on their radar but the manufacturers are saying please try our new product and here we’ll practically give it to you for free or discount it with coupons. These point of purchase displays are trying to talk to you so take a moment to see what they have to offer.

I great way to market their new products and I’m not sure I’ve met someone who is afraid of using a coupon to save money but never say never right?

I remember seeing a pop point of purchase display as I walked in a grocery store that scaled an entire wall. It was crazy but it got our attention. We don’t drink pop but the team who put the pop display together certainly achieved their goal. There were no coupons but the pop was very cheap for all the pop lovers out there.

With the grocery wars only growing bigger and bigger each week I’m not sure what changes we will see but I’m pretty sure pricing won’t be the only change. Keep your eyes open.

Do you check out new product displays in the grocery store?

 

April 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. :)

 

Grocery saving tips

 

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

Free 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 saving 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.. check it out!

 

Ultimate grocery shopping guide

 

Everything you want to know about grocery shopping in Canada is below with new information added monthly.

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 and let me know.

 

Food food and more food

 

shopping-cart-short-cash

Walmart

  • 2x pineapple PM FB $1.88
  • 5 x spinach PM FB Sale $0.97 each
  • 2 x cucumbers sale $0.67
  • Crackers $2.97
  • Mandarin orange segments $0.85 (cheaper at Food Basics ah well)
  • 6 x cracker barrel cheese PM FB $4.44 each

Total out-of-pocket- $39.74

Food Basics

  • 2 x perogies $1.99 each
  • 2 x Danone Yogurt Sale 1.99 each – buy 2 save $1.50 right on display hehe!
  • Lifesmart peaches in water and fruit cocktail $1.99 each
  • Gelda Basmati Rice Sale $7.99 bag
  • Mandarin orange segments Sale $0.69
  • 4 x Bavarian multi-grain bread sale $2.00 each

Total out-of -pocket $27.12

Shoppers Drugmart

  • 1 x 4L bag of milk- Sale $3.97
  • 1 x dozen eggs Sale $1.99 using internet coupon

Total out-of-pocket $5.96

 

grocery-game-challenge-product-display

 

Grocery shop results

 

Yearly grocery budget for two: $2820

(The above total does not include the stockpile budget of $240 per year or $20 per month.)

  • Total Grocery Budget for the Month: $235.00 or $78.33 week with potentially one no-shop week per month or $58.75 for 4 weeks per month. (During the months with 5 weeks we just make it work)
  • Total Budget for March $235.00-$20.82=$214.18/4=$53.54
  • Total Coupons Used this Week : $1.50
  • Total Coupons Used to date: $33.75
  • Total Discounts this Week: $0
  • Total Discounts Used to date: $5.54
  • Total Gift Cards Used to date: $33.18
  • Total Rewards Points Used: $0
  • Total Rewards Points Used to date: $0
  • Stockpile Budget ($20.00): $20.00-$20.00=$0
  • Stockpile Budget Used to Date: $20.00+$19.08+$17.94+ $2.06+$20.00
  • Total Spent This Week: $72.82
  • Total Spent So Far April: $174.57
  • Total Over/Under spend this shop: $18.98 over
  • Total Over/Under spend for the month: $n/a
  • Total Left to Spend for the Month: $39.31
  • Total to Carry Over Next Month: $n/a
  • Total Spent To Date This Year: (does not include stockpile budget) Jan $242.66+ Feb $191.74+ March $255.82+April $
  • Weekly Overview: Well we don’t have much left to spend for the month so this should be interesting to see how we make out. We do have loads of food here and likely will only need staples. If we have to we will dig into our $70 in PC points that we have accumulated but we really want to try to let that build up.

 

Coupon Sleuth

 

Canadian-Coupons-April 2014

Did you find any coupons? If so share the details in the comment section of this post where you found it and what the coupon is for with expiry.

 

Frequently Asked Questions

 

 

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. You can post your shops all month-long.

 

  • Does your Grocery Budget include health and beauty and laundry products?

 

Yes our Grocery Budget includes such items as shampoo, conditioner, laundry soap, fabric softener, dish soap etc. 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.

 

 

Here are your latest Coupon Match-ups of the week and your weekly Checkout 51 offers from 25 Newspaper Inserts around Canada compliments of Save Big Live Better that you can use to help you save money in the Grocery Game Challenge.

 

  • What is an FPC?

 

An FPC is a free product coupon which means you can get a free product as described on the coupon.

 

 

You can find all your store coupon policies here. If you are not sure it’s always best to call the store and ask.

 

 

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 2014 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.

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 Canada 2014!

-Mr.CBB

 

Money-quote

 

Are You New To Canadian Budget Binder?

Is one cent a grocery price savings? : The Grocery Game Challenge #1 Mar 31- Apr 6, 2014

grocery price savings one centDEAL OR NO DEAL?

 

Pack it in for the one cent day coming to a grocery store near you.

Now if it were the million dollar penny that might be a different story but it’s far from it.

We always have our eyes peeled on grocery prices when shopping but this was one deal that had us a bit stumped.

Now normally a good deal is too good to miss so when I saw this latest deal I was more than a little confused. It’s not only grocery stores posting one cent savings we’ve seen it on Facebook with airline bookings as well.

While out shopping with my wife at the supermarket I came across a deal that looked strange to begin with.

The small pack of donuts in the picture above were originally marked for $1 but there was a one week sale on that no one could resist, What was the deal? Well it’s clear from the photo that you could save a whole 1 cent.

Wow I hear you cry, that’s not a particularly good deal at all. That’s what initially thought until I got thinking about and then realized that there is NO DEAL, or is there?

 

One cent savings

 

Since the Canadian Government phased out the penny coin last year getting a product for 99 cents has become all but impossible. Unless of course there is a new penny I’m not aware of but I’m pretty sure there isn’t.

Due to rounding up or down at 99 cents or a dollar the price remains exactly the same due to the rounding up. This would be true if the same deal was applied to most food products as they are tax exempt, so what would be the point?

If you add the 13% tax as a convenience food then things look a little different. The original price becomes $1.13 rounded up to $1.15. Take the 99 cents and apply the same rule and you get $1.1187 or $1.12 rounded down to $1.10. So now you have a 5 cents difference.

I’m not sure if it’s a marketing ploy, mistake or clever cunning by using the rounding rule to actually sweeten the deal as such and further discount the item without having to apply a discount of 5 cents.

Now I’m wondering if we will see deals like this more and more as the rounding rule applies to the tax collected from products sold. This then would affect the government’s tax collection and not the profit margins of companies.

This way the company only has to lower its $1 products by a single cent and the rounding rule gives the customer the rest of the discount.

I’m sure if this does become an issue that affects the government’s pockets they would certainly look into it. So, unless I’m missing something I still have to question is one cent a grocery price savings, deal or no deal?

What do you make of this one cent savings?

 

April 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. :)

This will be a 5 week month of grocery shops for us but you can shop as much as you need and post as you need per grocery game post as you will always get a ballot.

Congratulations to ballot #8 Mary….. you are the March Grocery Game Winner!!! Please email me with your address.

 

Grocery saving tips

 

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

Free 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 saving 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.. check it out!

 

Ultimate grocery shopping guide

 

Everything you want to know about grocery shopping in Canada is below with new information added monthly.

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 and let me know.

 

Food food and more food

 

shopping-cart-short-cash

Food Basics

  • Bananas $2.36 Sale $0.57lb
  • Green Beans Sale $0.99lb $2.96
  • Navel oranges Sale $0.99lb $3.48
  • 12x Gold Seal Tuna Sale $0.99ea.
  • 2x Lactancia cream Sale $0.99-$0.75
  • 1x Lactancia whipping cream Sale $2.49-$0.75
  • 2 x bags of Spinach Sale $0.99 ea.
  • Panko breadcrumbs Sale $0.99
  • Yellow onions Sale $0.99
  • Pacific Salmon $10.00
  • Red Peppers Sale $1.42
  • Pollock fish $10..

Total out-off-pocket $60.79

Shoppers Drug Mart

  • 2 x dozen eggs Sale $1.99

Total out of pocket $3.98

Metro

  • 2 x Shreddies cereal Sale $1.99
  • Kumato Tomatoes Sale $2.99
  • 2 x Old Spice body spray Sale $2.50
  • 4 x Tasters Choice instant coffee Sale $4.99-4.00
  • 3 x pkgs of chicken breast Sale $9.11, $7.97, $8.40 – $20.00 of this is stockpile for the month leaving $5.48
  • Gardein frozen chicken fingers Sale $3.99- FPC

Total out-of-pocket $56.98-$20 (stockpile)=$36.98

 

 grocery game 1 April 2014grocery game 1 April 2014

 

Grocery shop results

 

Yearly grocery budget for two: $2820

(The above total does not include the stockpile budget of $240 per year or $20 per month.)

  • Total Grocery Budget for the Month: $235.00 or $78.33 week with potentially one no-shop week per month or $58.75 for 4 weeks per month. (During the months with 5 weeks we just make it work)
  • Total Budget for March $235.00-$20.82=$214.18/4=$53.54
  • Total Coupons Used this Week : $6.25
  • Total Coupons Used to date: $33.75
  • Total Discounts this Week: $0
  • Total Discounts Used to date: $5.54
  • Total Gift Cards Used to date: $33.18
  • Total Rewards Points Used: $0
  • Total Rewards Points Used to date: $0
  • Stockpile Budget ($20.00): $20.00-$20.00=$0
  • Stockpile Budget Used to Date: $20.00+$19.08+$17.94+ $2.06+$20.00
  • Total Spent This Week: $101.75
  • Total Spent So Far April: $101.75
  • Total Over/Under spend this shop: $48.21 over
  • Total Over/Under spend for the month: $n/a
  • Total Left to Spend for the Month: $112.43
  • Total to Carry Over Next Month: $n/a
  • Total Spent To Date This Year: (does not include stockpile budget) Jan $242.66+ Feb $191.74+ March $255.82+April $
  • Weekly Overview: We loaded up on eggs, veg, chicken and fish this week and used some coupons that were just about to expire at the end of March. Overall a good shop but that doesn’t leave us much for the month to spend.

 

Coupon Sleuth

 

Did you find any coupons? If so share the details in the comment section of this post where you found it and what the coupon is for with expiry.

coupons April 2014

Frequently Asked Questions

 

 

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. You can post your shops all month-long.

 

  • Does your Grocery Budget include health and beauty and laundry products?

 

Yes our Grocery Budget includes such items as shampoo, conditioner, laundry soap, fabric softener, dish soap etc. 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.

 

 

Here are your latest Coupon Match-ups of the week and your weekly Checkout 51 offers from 25 Newspaper Inserts around Canada compliments of Save Big Live Better that you can use to help you save money in the Grocery Game Challenge.

 

  • What is an FPC?

 

An FPC is a free product coupon which means you can get a free product as described on the coupon.

 

 

You can find all your store coupon policies here. If you are not sure it’s always best to call the store and ask.

 

 

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 2014 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.

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 Canada 2014!

-Mr.CBB

 

Money-quote

 

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Are you envious of others’ success in life?

Envious of successSTOP THE GREEN EYED MONSTER

 

Envious definition for me means that someone wishes they could have your success but they just need to find their own path to reach their goals. 

The minute your friends Facebook status goes up and says they got a new job, a new car or are in a new relationship do you get upset that it’s not you?

Do you question why nothing good ever happens to you?

Are you feeling jealous of other people’s success?

Don’t be but if you answered no I’d say you are telling a lie because every one of us a tiny bit of envy towards something. It’s how we handle that envy that matters the most.

No one likes to feel as if they failed at life and that they have no other options but to accept what they have been given. I think that we can do anything we want with this one life we are given if we find a way to make our dreams come true.

Sometimes all you need is a positive boost from a friend or someone who believes in you and before you know it you will land your dream job. Never give up on yourself.

I don’t think that just because someone is envious that it’s a bad thing. I should hope that with being envious of others success that someone challenges themselves to work harder.

Sometimes that’s what it takes to light a fire under someone’s butt to get the ball rolling in terms of their career or financial goals. Too often people sit around and sulk about how life has not been the greatest for them yet they put all that negativity ahead of anything positive in their lives.

When we look at things that spark a bit of envoy or jealousy in our lives and take that and work it into our own lives maybe we will be the next ones laughing all the way to the bank.

Envious people

 

There will be jealousy all around us whether it’s envious friends, envious co-workers or envious strangers that we’ve never met before.

They want what you might have but lack the desire to achieve it on their own or feel they can’t, have tried and failed then gave up. I’m sure the list can be ongoing but none the less these people need to flip their attitude and work it into bringing in success that makes them happy.

I’m pretty sure most of you have a friend you can call Money Bags because they seem to have an unlimited supply of cash. Then one day you will catch them on one of Gail Vaz Oxlade’s shows like Money Moron because all that showing off was done on credit they can’t pay back. What’s to be envious of that?

You may even find jealousy in your relationships but that just means someone has to build up the confidence in themselves and just trust love. Envy in love is not a good place to be because money and love can cause problems if the two people in the relationship are not on the same page.

If the male believes he is unsuccessful or that he should be making more money than his partner it could cause problems. If you are not happy with your career in the first place this may cause problems in a relationship because one is so focused on getting a job rather than the relationship.

Some people can’t be happy in love until they are happy in career. It’s just the way they are wired and sometimes letting go of these relationships might be the best thing for both of you unless you can weather the storm together.

Job envy

 

Being on the bottom of the ladder in an industry can be hard. Everyone around you gets paid more and has more opportunities to advance their career or move on to another job. This is the time to start learning past what you’re getting paid for and don’t let the envy under your skin.

It’s easy to come home at the end of the day and forget about work. You could be moaning about how someone at work was bossing you around because they are higher up than you. Get out there and improve yourself, take part-time courses if necessary.

Having envious thoughts against your neighbour because they have a better job than you can be a little harder to swallow. If they are a trades-person they have served several years as an apprentice on the bottom of the ladder too.

They had to acquire skills over the years to get to where they are now. A doctor or other highly skilled medical profession also takes years. I’m sure some of these people were envious of others at one point or another but put their skills to work and now they are reaping the rewards of a career they always dreamed of.

A lot of people have good jobs or well-paying jobs because they listened, learned and applied themselves to be the best at what they can be. They sacrificed nights out drinking with their buddies to build something that you are now envious of.

 

Financial envy

 

I’ve written before about how you should never compare your financial numbers with others numbers because you simply can’t do that. For different reasons and opportunities we all have accumulated wealth based on our savings ability, income levels and our determination to be debt-free or not.

I’ve said it a million times that “it’s not about how much money you make it’s how you save it” and it’s a saying that I created years ago and stand by fully. I’ve pretty much littered this blog with my quote in hopes of getting through to people and I’ve had some fans tell me that since starting a budget they understand what I mean now.

I know that when I was making a lower-income I was still saving money and paying off bills however I did not accumulate any debt. We were still able to go out for walks and spend time together as a couple doing things that didn’t cost money or very little. I guess thinking ahead of ourselves was smart, marriage, house, kids, travel etc.

If we wanted to do all of that we knew we needed the cash set aside. If we blew all of our money now to live in the moment we 100% knew we’d struggle down the road. If that’s the road you want to take, then so be it. It’s your life.

If you make the decision to start putting things on credit then you are deciding to bring debt into your life.

If you can save cash to pay for what you need it is 100 times better than putting it on a credit card and paying minimum payments each month. The other options are to save cash and buy second-hand items. If you have the mind-set that you need to impress everyone and have shiny new things and you don’t have the cash be ready to live with debts you need to pay off.

If you don’t have that mind-set like we have then you can live with an older refrigerator, a used vehicle and buying things that are essential as opposed to ‘wants’ in our lives. This has helped us to get where we want to be today, debt-free.

We never once cared what other people make because we know that just because you make 6 figures doesn’t mean that you are worth more than the guy who makes minimum wage. Think about it for a second.

It’s all about spending and saving. If you don’t have the discipline to save and watch your spending DON’T complain about what others have in the bank.

You don’t need TV, Internet, Junk Food, pop at the gas station, fast food, theatre nights, fancy clothes, hair styling, nails, booze, travel etc. In those rare circumstances there are people who live at the poverty line or below it or cannot work for one reason or another.

If you are fully capable of working then get out there and keep looking until someone says yes or find ways to get more education, volunteer, network even move if you have to. Do whatever it takes and get rid of feeling sorry for yourself because no one will care.

Those items above and many more are nice to have but only if you have the cash to pay for them while accomplishing your financial goals. That is what we live by but others may disagree and that’s fine, it’s your bank account in the end that maters to you not me.

So go ahead and be envious of what other people have but I’ll tell you that it won’t get you anywhere until you focus on your own financial goals and priorities.

 

Happiness envy

 

You don’t know everyone’s circumstances so this is very difficult to judge and besides I would never even attempt to build my happiness on what others have or don’t have. Happiness doesn’t mean you have money.

I know some people who have not a penny to rub together but they are always happy and enjoying the simple things in life. They are happy just to wake up in the morning. Sometimes the more you have the more you want or think you need. Then there are the people who have money and are miserable because just like the saying goes, “money can’t buy you love” or happiness.

Some people could have everything in the world yet be depressed. It depends on what you find that makes you happy. It could be helping others, achieving goals each day. The only person that can make you happy is you.

Looking into others’ lives and deciding that since they go out as a couple all the time or family vacations and believe they have no worries in the world is the wrong way to view people. Credit cards buy happiness for short periods of time and some people can hide being unhappy very well.

How not to be jealous of other people’s success

If you find you are envious of someone else’s success the first thing you need to do is accept that you have that envy but then do something about it. Find a way to make other people envy your drive and success.

If you can fuel yourself from something that you view as a negative half the battle is won. Below are a few tips I would use if I was envious of someone’s success and needed to find a way to boost my own.

  • Worry about your own life first
  • Set goals, realistic ones and start achieving them
  • Involve others in your happiness
  • Get out make friends and spend time with family
  • Smile
  • Network with like-minded people
  • Ask for help when you need it
  • Get rid of that negative attitude
  • Believe in yourself
  • Never give up

As you can see being envious of others successful life or what you believe is successful is really all in your head. It’s up to you to make your world the happiest, best place it can be and no one else will do that for you.

Be grateful for what you have and if you want more, well you know what you need to do and maybe you might find people are envious of something you have that they don’t.

Money-quote

 

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Photo credit: freedigitalphotos.net/David Castillo Dominici