grocery game monthly challenge

Tryvertising a new way to get free groceries: The Grocery Game Challenge #4 Aug 18-24, 2014

food reviews free food

FREE FOOD FOR YOUR OPINION   I don’t know many people that would turn down free groceries for their opinion of a product. Would you? In the past we’ve done home studies on new products that have hit the market and what we got was free product as well as payment for reviewing the product. It was a no-brainer but you had to be chosen to test the new products based on answers to a survey that was emailed to you. If you qualified they mailed the product to you. It wasn’t always free groceries that we reviewed but free shampoo or other products helped us to save a few dollars here and there. We no longer do this as they aren’t offering such reviews any longer but at the time it was fun to do. We have participated in food related focus groups and one other place that offers cash for reviewing food items that are new to the grocery market or companies simply want an opinion on changes to a product. It’s nice to be able to take home free groceries to cook, review it and get paid $30-$50 cash to do so. It doesn’t happen often but […]

Couple’s happy retirement on hold until son moves out

happy retirement couple

HANDS OFF THE RETIREMENT POT   Enjoying a happy retirement for many couples means that they are able to use the money they saved to live out their retirement dreams and fund everyday expenses. For some young adults living at home can be embarrassing and for others it’s a great way to save up cash, pay down debt and to start life on their own. What happens though when the money you save for retirement is being spent on your kids because they move back home and/or always in need of cash?   Moving back home with the parents   Parenting is a hot topic no matter what age your children are but none the less it’s still a hardship many parents face when they don’t have the answers. Sometimes the solution is easily solved and other times it’s a sensitive matter especially when it has to deal with finances and life in general. I’m pretty sure some parents out there wish that their kids are only sticking around for a short period to save up money to move out on their own. There are kids though that have no intentions but to live off their parents hard-earned money because […]

Creamy Beet Crunch

creamy beet crunch wm

BEETS ARE FULL OF FLAVOUR   We often joke about making a casserole on the Canadian Budget Binder Facebook page and in some ways today’s recipe is just that and we’re using delicious beets. The best part about beets is that this time of year you can buy them at the grocery store for a great price. If you fancy growing your own beets there are many varieties that you can consider. Beets can be grown as your standard red or deep purple colour or even a golden-yellow or white beet. The varieties of beets differ around the world but some of the most popular beets are “Albino, Early Wonder, Red Ace and Ruby Queen just to name a few.   Beets 101   We love beets in our family any way we can get them but the tough part is coming up with beet recipes that provide variety for my family. When using beets be warned that you will need to wear gloves because the red colour from the beets will soak into your skin. It takes a bit of scrubbing but eventually will come out. You just don’t want to have red fingers when you go to work […]

Part-time work while attending University kept me debt free: The Saturday Weekend Review #85

The Saturday Weekend Review Student part time jobs debt free

TUITION IS PART OF THE BILL   If you want to stay ahead of the game working a part-time job while attending University will help pay for all the extras that OSAP and other student loans might not cover. Forget about the credit card too because using plastic is only digging yourself deeper into the debt hole. Not everyone has the time to work part-time while in University but sometimes you have to make the time or face the financial consequences down the road unless of course your education is fully paid for. Even scoring a weekend job is better than having no extra cash coming in and relying on loans all year. You might find that many students who move away from one community leave open employment spaces so many establishments may be hiring part-time. Part-time summer jobs or even full-time summer jobs are a great way to bank money so when you return to University or College you aren’t dipping into your OSAP funds or struggling to pay the bills more than you have to. Going off to University or College is one of the biggest expenses you will have in your younger years. The kicker here is […]

Retirement investments revisited: July 2014 Net Worth Update (+1.40%)

retirement investments

STAYING ON TOP OF OUR FINANCES   This month we finally sat with our financial advisor to chat about topping up our retirement investments like we’ve been planning on doing once the mortgage was paid in full. Now that we have told all of you that we are expecting our first child very soon our budget and net worth will change but we will worry about that when the time comes. Our finances are not just about us anymore so although we are planning our retirement investments we need to start thinking about Baby CBB. We will be setting up an RESP for baby as soon as we can so we don’t fall behind on any important educational investing. Most of this month’s net worth increase came from our net income because we worked some overtime and combined with last month almost net close to $20,000. The news of us having a baby has really changed our financial mindset but one thing is for sure we will be putting our money to work for us best we can. No, we don’t invest on our own and I know for some of you that is a big no, no but not […]

grocery game monthly challenge

Free product coupons and promo codes that expire before the product: The Grocery Game Challenge #3 Aug 11-17, 2014

promo codes cereal box cinema coupons

PROMO MARKETING ON PRODUCTS   Promo codes and free product coupons that you find on everyday products you buy are there to entice you as a customer to make a purchase. I’m not talking about coupon codes you might find on McDonald’s promotional offers or Tim Hortons coffee cups either. Today I’m talking about coupons and promo coupon codes on products you get at the supermarket. I know many of you love to source out coupons in the grocery store or anywhere you can get your hands on them. We do to because savings in our pocket is worth the effort. Coupons seem to fly off the pads faster than most customers can get to them so manufacturers like to promote product savings via putting the coupon or promo codes right on the product. It’s also a great marketing tool because as a customer you see the coupon right on the product rather than hunting it down. Even cases of pop or canned goods have coupons on the packaging.   Promo Codes   I think it’s a brilliant idea to lure customers to purchase or even test out new product although not all free product coupons and promo codes are […]

Not having one of the best paying jobs is embarrassing

low-paying job

NEVER GIVE UP ON YOUR LIFE   We all have dreams of graduating school and finding one of the best paying jobs around so we can get a kick-start on life because money is important just to survive. Last week we talked about a CBB fan whose financial success turned her friends towards jealousy and it happens because people give up on themselves and focus on what they wish they could have. My wife told me after she graduated the first time it was hard for her to find one of the best paying jobs in her field unless she moved into the heart of Toronto. Most often finding the rewarding careers means you literally have to seek them out. Not everyone is in a position to move to secure their passions but for those that move to the big cities to live out their dreams many of them end up going back home. Some people move to different countries after graduating just to gain valuable work experience then either stay, move on or move back to their hometown. Passion in life means doing what you love in hopes that one day you look back and are happy you took […]

White Chocolate Cherry Muffin

herry White Chocolate Chip Muffins

FRESH FRUIT MUFFINS   I’ve never made a white chocolate cherry muffin before but since I had the ingredients on hand I thought I’d get creative with fresh cherries. I am happy I did because they turned out so moist but not sugary like most commercial muffins. I enjoy making white muffins once in a while adding in fresh fruits that I have on hand. One of my favourite white muffins is the blueberry muffin and on occasion I splurge making chocolate chip muffins. Muffins have long since been a favourite as a breakfast muffin or even a snack muffin. I’m pretty sure many of you would rather reach for a muffin over a donut for breakfast but be careful as they are not all created equally in terms of calories and fat content. I find it’s not often though that we see a fresh cherry muffin at the shops and to be honest they should be because they are just as good as any other fruit muffin. A muffin, especially a white muffin is simply cake that you can eat with your hands. So when you think you are eating a healthy muffin just because it has fresh fruit […]