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. […]

grocery game monthly challenge

Can we stick to the Grocery Budget February 2012 Week 2?

We did pretty good last week considering it was our first week playing our Grocery Game. The Grocery Game is something we play to bring down the total out of pocket in our monthly Grocery Budget. We challenge ourselves to stick to a budget without giving in to temptation, although temptation sometimes gets the best of us. The tough part is figuring out which week will be our no shop week. One week out of every month we are going to be staying home and doing ZERO shopping. This could prove difficult for us but this is what the challenge is all about. Perhaps I will have to come up with a solution for instance maybe not opening the grocery flyers and tossing them to the bin. I don’t know, that sounds pretty harsh if you ask me. Who know’s what deals we could miss. Well this weeks shop is fairly straight forward; Budget $64.26 Zehrs We wandered around the store but didn’t find anything so we left empty-handed. The store is up the road from our house so we pop in every once in a while to see if there are any 50% off pink stickers. If you shop at […]

Top Ten Ways to Cut your Grocery Budget

Looking back at 2011, the first four months of our grocery budget was completely out of control, but that was our own fault. Although we were getting amazing deals, we never stuck to the budget because we were using coupons more than we needed to. We went from spending over $500 a month on groceries to our 2012 goal of $192.78. One thing we learned it was OK to let coupons expire and that we didn’t need to get everything even if it only required us to pay the tax. You see, over time all those little amounts that seem like nothing at the time, all add up. With only 2 people to feed we believe we can easily meet this goal. The problem comes when there is a really good deal or a 20x Shoppers Optimum points events. We also like to keep our eyes peeled for all those discount pink stickers and reduced to clear shopping carts filled with discontinued products. We scan our favourite spots in certain stores to find shelves that have marked down merchandise and so can you! Over time you get to know where in a store they will put all the marked down items for sale. If you are […]

Haggling the Best Deal with your Communications Company

Do you call your cable company annually to negotiate a better deal? If not, read this post to learn how you can save yourself and your family money each year with a simple call. Haggling with your communications company may seem like a pain in the back side but with high competition for services it’s worth the time it takes to talk to a customer retention agent. Every year I shake my head when I do the yearly round-up of our expenditures with Rogers Cable. I must admit that I have lowered these costs over the years but am looking to downsize them. Sure I have some of the best Rogers retention plans going but sometimes they make it difficult to want to continue being a long time client of theirs. The cancellation department also handles the retention phone calls for customers who have promotions coming to an end. Essentially all they are is a customer service representative with retention strategies to try and keep you as a customer. They are the people who can boost your savings depending on your needs and how well a customer you are. Rogers client retention may not seem like a big deal when you are […]

grocery game monthly challenge

Can we stick to the Grocery Budget? February 2012- Week 1

February is here and it’s time to put together our weekly grocery challenge. What we hope to accomplish is to stick to our budget as best we can. This year we are challenging ourselves to shop only 3 weeks out of the month to save money. Granted there are weeks where we find exceptional deals and buy in bulk but hopefully blogging about it will help keep us under control. We don’t often purchase anything at regular price so you are safe to assume it was on sale or reduced in price. Grocery Budget=$192.78/3= $64.26 a week to spend on groceries! It’s possible we may go over budget with the Shoppers Drug Mart Bonus event and a couple of great shopping deals but let’s see how well we make out. Week of February 1st Grocery List: Shoppers Drugmart Spend $50.00 get 8000 Shoppers Optimum points January 30-February 3, 2012. Multibionita x4 1 FPC Tampax 1 FPC Alberto Neilson Cream x1 Cafe Inspirations x1 Total after coupons and tax= $16.70 plus we made 8510 Optimum Points worth just over $10.00 on regular redemption day. Total after coupons, taxes and points earned $6.70 Used $52.48 in coupons $64.26-$6.70= $57.56 left to spend […]

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