grocery game monthly challenge

How To Ask Your Cashier To Apply SCOP : The Grocery Game Challenge 2017 #5 Nov 27-Dec 3

YOUR MONEY WEARS SHOES- KEEP UP OR WATCH IT RUN OUT YOUR LIFE   There’s a right way to ask for The Scanning Code of Practice (SCOP) and a wrong way. If you have zero idea about what I’m talking about then you WILL want to read this post. Today I want to touch on how you go about asking for SCOP with sample questions for you. I also want to talk about how you should handle SCOP at the cashier, customer service or after you’ve gotten home and found a pricing error. Asking for help doesn’t mean you are a weak person it means you have the strength to speak up and say something is not right and would like assistance to solve it. We can’t possibly know everything so don’t be ashamed, speak up. I was having a conversation with a CBB reader about SCOP and she told me that her friend said that only “low-income people” ask for their money back for a pricing error. She went on to say that she would never ask but would say something if the price came up higher. Seems a bit odd that one would have no problem pointing out […]

Mexican Tomato Cauliflower Meatball Soup

THIS LOW-CARB COMFORT SOUP BRINGS BIG MEATBALLS, TOMATOES AND CHUNKY CAULIFLOWER TO YOUR BOWL   It’s that time of year again, soup time! Today Mexico meets Italy for this quick meal that’s packed full of nutrients and flavour. This Mexican Tomato Cauliflower Meatball Soup is a winner every time even the kids will love it. The soup that eats like a meal…this is it! After a summer of picking tonnes of organic tomatoes then freezing them we have plenty to use up this winter for soups and sauces. This hearty soup can be made in 30 minutes and pairs well with homemade bread or a thick homemade slice of low-carb bread and butter. You don’t need anything else. If you’re not into low-carb don’t fret there is nothing fancy or different about this soup it’s just low-carb friendly. That means there’s no sugar or gluten in the recipe with limited carbs but so delicious even I can’t stop at one bowl. The low-carb part helps those on a low-carb diet identify recipes that are keto-friendly which is a bonus when searching for a recipe. You will see below the options for those who are low-carb and for those who are […]

Clever Online Shopping Saved Our Christmas Budget $400 So Far : The Saturday Weekend Review #242

MAKE ONLINE SHOPPING YOUR SOURCE FOR DEALS OVER THIS HOLIDAY    In general there haven’t been many people I’ve chatted to who don’t have some form of a Christmas Budget. Sounds odd since budgeting for the entire year seems to be one of the laziest financial tasks going even though it is mega easy to do, and valuable. Shopping for any holiday or special occasion without a budget makes for a potential financial disaster. Make sure you read the fine print on your credit card statement which states the length it will take you if only monthly minimum payments are paid. That should be MORE then enough to put the spending without a budget breaks on. Consumers who random-shop tend to spend more money on things they could have purchased cheaper somewhere else. If you care about your money then plan out occasions where you know you will be spending more than typical amounts of money. Compare random shopping to window shopping. Some people like to do their Christmas shopping on Boxing Day and throughout the year which is ideal but again a budget is necessary in my opinion. There were times when we would Christmas shop without a Christmas […]

A Wage Increase Is Only Instant Gratification On Paper : Our Net Worth Update October 2017 (+0.79%)

BUILDING WEALTH AND DEBT FREEDOM GOES BEYOND A WAGE INCREASE   Unless you get a wage increase that is far beyond your norm the only gratification most people get is seeing the bigger number on their pay cheque. Even then if you’re not putting that wage increase to work you’re hiring and firing your own staff costing your more money in the long run. Reality is that without doing something with that money to help increase your net worth it won’t make a blind bit of difference. This perspective of a wage increase simply leaves you right back where you started. November is financial literacy month and I wanted to take a few minutes to talk about why a wage or salary increase isn’t always the answer to our financial problems.   You have to start somewhere   ** Let that be your motivation for the day, month, year ** You may not be in debt but you’re certainly not going to get ahead financially if you aren’t making changes to the way you manage it. The key: Financial Literacy. If you’re in the negative you may still be in the negative but climbing out from the hole. You’re still […]

grocery game monthly challenge

8 Frugal DIY Christmas Baking Gifts In A Jar : The Grocery Game Challenge 2017 #3/4 Nov 13-26

CHANGE THE WAY YOU GIVE THIS HOLIDAY WITH HOMEMADE CHRISTMAS BAKING GIFTS THAT FIT YOUR BUDGET   This year Mrs. CBB and I decided that we were going eliminate baking our famous Christmas cookies and replace them with inexpensive yet posh Christmas baking gifts. Will making homemade Christmas Baking Gifts cost more money? Well, that depends on what you are putting in your gifts and how much you are willing to spend on ingredients. We set the dollar amount for the Christmas baking gifts to be around the $5-$7 mark (that’s our posh). By doing so it allows us to splurge a bit on some ingredients and save on others. This may seem a bit odd but as a family of 2 adults and 1 toddler where we’ve cut out sugar from our diet having loads of sweet treats around is too tempting. Who wants to lick the spoon? How tempting that would be for me!! Ah! Most years we would always have extras hanging about and my mother-in-law would always try to get them but since she’s diabetic we’ve also decided that maybe it’s not so good of an idea. To add more fuel to the sweet tooth fire […]

Keto Cookies: Crunchy Chocolate Nut Biscotti (Sugar-Free)

These Chocolate Nut Biscotti Keto Cookies are not necessarily for those in the induction stage of Keto or Atkins but as you start losing weight and want to add in a Low-carb snack once in a while this is a crunchy winner. If you’re just looking for a sweet snack without all the sugar this is the perfect cookie for you. With the holidays around the corner every low-carb foodie is thinking about baking cookies that they can serve to their guests and to snack on themselves. One of the biggest challenges for any holiday is to curb the over-indulgence in sweets and savoury foods that can easily add extra pounds if you’re not careful. Related: Low-Carb Sugar-Free Salted Caramel Cheesecake   Keto-Living made easy   Don’t leave home without thinking about your nutritional needs. Even for Keto, Low-carb lifestyle food lovers this challenge is just as real especially when there are no snacks or treats available at gatherings. Sure you could sneak in an Atkins or Kirkland Protein Bar but who wants to do that unless you know you struggle to control your sweet tooth urges. The last thing you want to do is step out of ketosis but […]

Everything You Need To Know About Porting A Mortgage In Canada: The Saturday Weekend Review #241

IT’S WORTH KNOWING THE INS AND OUTS OF YOUR MORTGAGE   It’s true and certainly something to always be mindful of, “It’s not about how much money you make, it’s how you save it.” When it comes to porting a mortgage in Canada, there are some things like interest rates that you need to factor into the equation, and we will cover these in detail in this article. Homeowners in Canada, and potential homeowners are faced with many important questions when it comes to mortgages. We are living through interesting times with respect to interest rates. The Fed is expected to raise rates further before the end of 2017, the Bank of England is clearly on a similar trajectory, and in time the European Central Bank will move away from quantitative easing towards quantitative tightening. What does this mean for mortgage holders around the world?   The Canadian Economic Scene   In Canada, the current bank rate is 1%. The BOC (Bank of Canada) decided to maintain the overnight rates when it met on Wednesday, 21 October 2017. The Bank of Canada forecasts that inflation will hit 2% by Q2 2018, later than economists projected. In 2017, real GDP grew […]

One Simple Habit You Need To Help Beat Budget Anxiety : October 2017 Budget Update

YOU HAVE THREE SCOOPS OF ICE-CREAM-WHICH FLAVOUR IS ON THE BOTTOM AND WHICH IS ON THE TOP?   Simply believing that everything will work out for the best financially is comparable to telling a child money grows on trees. Near the end of each year I receive emails from fans who complain of budget anxiety for a variety of reasons. I often reply back with making one simple habit change to ease the pain a bit to help them move forward. No, I’m not Doctor Budget but close. Financial burden placed upon anyone is a weight that you either work hard to build the strength to lift it or will cripple you. Those of you who have been to financial hell and back know exactly what I’m talking about. The journey is never pleasant and comes with a myriad of emotions that can sometimes take over your world. Controlling anxiety no matter what the cause is and it can be multiple things is not easy to do especially when you don’t know where to begin. One of the best resources for your anxiety is yourself and others who are going through what you are experiencing or have surpassed this with […]

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