Kick the Smoking Habit Save Your Health and Budget Week 1 Update

Hi Folks, This is our Week 1 Health and Budget update since Quitting Smoking Sunday, January 29 at 9pm. ¬†ūüôā As previously discussed we decided to take part in the Driven To Quit Challenge¬†advertised on Global TV. It’s a great motivator to achieve our goal of quitting smoking and balancing the budget. Last week we attended a meeting for participants who wanted to quit smoking. This is a 6 week program that we signed up for through our Family Doctor. Interesting to note that 15 people signed up and only 8 showed up. Quitting seemed like a good idea at the time, easy to say but difficult to carry out. ¬†The Registered Nurse spear heading the meetings says it happens every year. Upon arrival the stench of¬†cigarette¬†smoke blanketed us we entered the room. It was at that moment we realized we made the right decision. That was the first time since quitting we had smelled cigarette smoke. The ¬†meeting was 1 hour and we introduced ourselves like it was an AA meeting. I am ( enter name here) and I’m¬†addicted to smoking because ( I like it). The top 2 reasons for quitting were health and money. Learning about why […]

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 […]

January 2012 Monthly Budget

I know for me personally I like to see numbers when learning about how others budget. Since we are not financial gurus nor do we make substantial incomes I hope to attract others just like us and experts along the way. *For a detailed explanation on each category you can read “How we designed our Budget Step 2“. Keep in mind we may tweak it to fit current circumstances.¬†I will do a monthly overview at the end of each month. Mortgage-$1389 ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬†Monthly Actual-$1632.15 Utilities-$450 ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† Monthly Actual-$549.72 Smokes-$121 ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬†Monthly Actual-$68.00 Car/House Insurance-$189.46 ¬† ¬† ¬† ¬† ¬†Monthly Actual-$189.46 Transportation-$150.00 ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬†Monthly Actual-$176.70 Misc/Renovation-$125.00 ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† Monthly Actual-$193.79 Dog-$2.00 ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† Monthly Actual-$2.00 Dentist-$5.00 […]

The Cost of Smoking on your Health and Budget

There’s no surprise when hearing about deaths related to smoking or the various diseases caused by smoking but turn a blind eye. Is it really worth it to smoke? I’m sure you know the answer to this question but most smoker’s either choose to ignore it or struggle to give up this habit. Smoking is a harmful addiction, one that can cause your bank account to suffer and your loved one’s wishing there was something they could have done when you’re gone. As I lay here tonight and write this post I am thinking about tomorrow morning and what life will be like for us. ¬†While watching Global Television a commercial appeared called¬†driven to quit¬†which is a challenge to motivate smokers to quit for the month of March. My wife is a huge Young and the Restless fan so everyday we were seeing this commercial Monday to Friday when something clicked. We both decided that it was time to stop letting cigarettes¬†rule our lives as of January 30,2012. We both signed up for the challenge with the support of friends and family. ¬†Quitting smoking for the month of March was far from our goal as we want to quit for […]