Eating In Vs Eating Out- The Comparison

I had to write this post after eating out as I was just shocked at the cost of our meal at a well-known chain Restaurant. I used some gift cards I had received from Christmas to pay for the order. It wasn’t on my dime but I had to use them before they expired. So it’s my birthday and the wife and I decide to order some take out and enjoy the evening watching a movie. We don’t normally eat-in at restaurants  for 3 reasons: High priced food  15-25% Tips to the staff We like to eat home cooked meals We are frugal that’s no secret but eating out has never been big on our agenda unless we were travelling. Yes I know you are saying we need to “live a little” and you are right we should, but at what cost. Cost of Eating Out vs Eating In Here is the run down from last nights meal.. out of 5 stars we gave it a 3.5 We thought we had $15.00 on one gift card and $13.00 on the other. We wanted to go over that price so we didn’t have a balance on the cards. The likelihood of us eating […]

grocery game monthly challenge

Can we Stick to the Grocery Budget- February 20-26 2012-Week 4

Last week was our first no-shop week and I must say it was difficult. You think it’s easy to say “I won’t shop” but it doesn’t work that way. Temptation is all around us even at the pharmacy or petrol station. Fighting the temptation can be won though. I’m happy to report that we did not shop last week for grocery at all. We did manage to get much more completed with our household to-do list. Sorry I meant Honey do-list. 🙂 We’ve been updating our New 2012 Budget Spreadsheet while transferring over Jan/Feb 2012. We hope to have that available soon. Note: If you are playing the grocery game and want to play for the rest of Feb and March I will draw for 2 winners if I can get 10 or more people to participate for this week. If  not we will start next week for March and this week will be a trial run to get you motivated~ If you haven’t subscribed to my blog, please do that way you won’t miss my posts!  So we have $64.00 to spend this week in the grocery budget. THE RESULTS: We spent a Total Out of Pocket $52.94 We used a Total of […]

Product Price Adjustment: Don’t Miss The Savings!

DON’T MISS THE BUDGET SAVINGS!   Are you aware that some Canadian big box and grocery stores have a Product Price adjustment policy? If you are then you know about the great savings you can pocket if you keep your eyes and ears open. If you aren’t aware read on and learn how you to keep money in your pocket. We all know about returning products as I’m sure we have all done it at some point in our life. Once you have finalized a buy it is now your product. Most stores offer a return policy for unopened, unused or defective product. On a cautionary note be aware of a possible restocking fee. Typically stores have anywhere from 30-90 days for a return policy.   Product Price Adjustment   What is a Product Price Adjustment Policy? What most people don’t know is the Product Price Adjustment Policy for most stores also known as a Price Protection Policy. If you buy a product and the exact product goes on sale cheaper than what you purchased it for then you can get a Product Price Adjustment. Keep in mind the price adjustment policy time frame. This is why it is imperative to always […]

Is your Gas Tank Eating Into your Budget?

Didn’t you just fill the tank honey? What do you mean you are on empty already? If you’ve heard these lines before don’t despair, so have I. Everything around us is going up except the numbers in our bank account. In Canada every street corner adorns a petrol station with your choice of price. Take your pick, spin the bottle or take a chance that the station you chose will do the least damage to your budget. How depressing is that? Driving up the road after filling your tank realizing you could have saved $5.00 down the street. It was clear I needed to do my homework before I went a bit nutty. I managed to come across this website where you can check-in on the prices around town Ontario Gas Prices. Sounds great doesn’t it? Sure if you make it there on time but still a great reference. I remember 6 years ago when gas was 75 cents a litre and I thought it was great compared to my mates overseas. When I over-heard people complaining in Canada about how expensive gas was I remember thinking, you ain’t seen nothing yet. In the UK I drove a teeny weeny Ford KA 1.3 litre and it cost me […]

Til Death Do Us Coupon- Are you doing it Canada?

Two things in life are for definite “Taxes” and “Death”.   Creeping the list is “Debt”  which is a reality for most Canadians. It really doesn’t matter what your neighbour has, it matters what YOU have! How can we dig ourselves out from this mess we created? Yes we all did it, purchased items with money we didn’t have. Now we need to clean it up. One way to help the clean up is using coupons to save money. I never thought I would say this. Coupons… Really? What man uses coupons? Not this one, no way! That’s what I thought a few years back. Now it’s a no-brainer.  Yes, couponing can and will help you save money but it’s just one step in getting debt under control. Extra money you save from couponing you can put towards your debt or investments. Some people have to coupon just to put food on the table but at the end of the day, money is saved. I remember my granny clipping coupons when I was a lad. Of course I had no idea about coupons back in the day. Who knew 30 years later consumers around the world still clip coupons to […]

grocery game monthly challenge

Can we stick to the Grocery Budget Feb 2012 Week 3?

Week: February 13-19 We will not Shop, We will not Shop, We will not Shop Like usual I open the front door and there upon the mound of snow is our weekly flyers. I’m still confused why she avoids the mailbox which is clearly hanging on the wall. Perhaps, she just doesn’t care that my flyers are soaking wet. Changes to our grocery budget in February,2012 has us committed to a “Shop Free” week once a month. The grocery game is a system we use to keep the budget in check. Shop Free week has arrived for us and it’s bitter-sweet. Gazing into the refrigerator I’m amazed to see temperature controls on the back wall. I typically brace for explosion with produce, condiments and beverages. Now that we’ve taken it down a notch it makes me realize how little we need to make it through the week. Our Discovery…….Shop for what you need now, not what you think you will need. Less Food=Less Waste= More Money for the BUDGET You know when you’re at the grocery store and you convince yourself you need ( insert product here). We’ll use Mangos. Reasoning would be … It’s so hot outside and I can […]

Using Vinegar to Clean up your Budget!

By now if you are following how we designed our Budget Steps One, Two and Three you should start to see where your money is going every month. One item we noticed that cost us a bit of money was “cleaning supplies”.  We asked ourselves whether it was necessary to spend over $20.00 a month out of our budget. Then it happened, I realized how much more we could save after hearing my mothers voice in my head. When I was younger and my mother told me that she liked using vinegar to clean windows. I just thought she was nutty but like the saying”you will understand when you get older” now makes sense. Here is a list of Cleaning Supplies I used to purchase even with coupons. Windex or Window Cleaner Floor Cleaner Brasso Fantastik Scrubbing Bubbles Shower Cleaner Wipes Stainless Steel Cleaner Stainless Steel Wipes Silvo Liquid Plumber Oven Cleaner Leather Wipes The list goes on and on, and I didn’t realize the many uses for vinegar. Vinegar is not only used for cleaning but an array of ideas have surfaced all over the web. Yes, Vinegar Kills Bacteria, Mold and Germs! This is why I now keep a spray bottle with 5% Vinegar ( […]

Breaking the Budget: Coffee and Lunch Comparison of 2 Co-Workers

THIS IS HOW EASY YOU CAN BLOW MONEY WITHOUT KNOWING IT   I’ve worked professionally for the past 4 years and faithfully bring my own 20 oz travel mug of coffee and a hot lunch to work daily. I wanted to compare the figures of what I bring to work to a buddy of mine whom I will call Mr. Co-worker. It’s amazing how fast convenience can add up in the budget and before you know it your budget is shot. There really is some merit to saving money by making food at home compared to buying it. Sometimes it’s better when people see the final numbers rather than the small numbers. We tend to look at something as only costing $50 a month for example which is a reasonable expense in the budget but over the course of the year that $50 cell phone bill will now cost you $600 out-of-pocket. If you find that you know someone you are trying to talk some money sense into or trying to teach them the importance of budgeting this coffee and lunch comparison is a great way to tally up the numbers and give them a bit of a wake up call. […]

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