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 […]

Budgeting for Love on Valentines Day

Like most men, I wonder what I should plan special for my wife on Valentine’s Day. An automatic Day where love is in the air,  but seems like every other day to me. You ask any man and he is terrified about not doing enough for Valentine’s Day or getting the right gifts for her. He wants to make sure everything is perfect! I ask myself….. Do I love her more today than I did yesterday? Romantic Valentine’s Ideas come to mind but at what cost? Breakfast in Bed Candlelit Dinner Dozen Red Roses Box of the best Chocolates A beautiful card that says I love you! A date she will never forget Men save your dollars for today is the day, you WILL break the bank or potentially break her heart. According to Global TV News men spend an average $158 and women $75 on Valentine’s Day. Planing ahead and budgeting for these expenses are simple. Did you know that “Rose’s” are most expensive on Valentine’s Day than any other day of the year? Learn how to save money on Rose’s and why Red may not be your first pick. Whether you are dating or married you should budget in the “Love” if that’s the kind of  spender you are. […]

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 […]

Kick the Smoking Habit, Save your Health and Budget- Ending Week 2

Forever is just the beginning to a Healthy New You! Baby Steps, baby steps, you can do it, the words of our support system. We have ended week 2 quitting smoking and thus far its been the best decision in our lives besides marrying each other. Aweeee… I know, I’m sweet that way! Have you ever considered quitting smoking? We had over the years but mostly my wife as I never thought I could do it. Most of the time the negative reasoning got the best of me and ended any further conversation on the subject. What thoughts were running through my head? I love smoking too much What will I do with my time What do you mean I smell, I don’t smell anything I don’t smoke much I can’t, I need it to relax after I eat, at work, in my truck Everyone I hang out with smokes, I can’t possibly quit What I was missing were 2 important facts; Smoking Kills! My father passed away while having Heart By-Pass Surgery Smoking costs a fortune at $30 a week you crunch the numbers. I know some couples that spend $150 a week…. OUCH! What side effects have we […]

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 ( […]

How We Designed Our Budget Step 3-Tracking Receipts

Perhaps it’s been a bit of work to get this far in the budgeting process but it will be worth it. In Step 1 we learned what a budget was and what information you needed to gather before moving on to Step 2. While Step 1 might have been a daunting task Step 2 in Designing the budget should have been a bit easier. You learned how to divide your Net earnings into a budget and spend less than you make. In Step 3 of designing the budget you will learn the importance of documentation.  Documenting everything you spend is crucial to succeed when budgeting. Tracking all your Receipts Keep track of what you spend. Why you ask? Read the following scenario; If you spend $5.00 on coffee in cash and fail to document it that’s $5.00 you have lost a trail to in the budget. You now have to figure out why you are short $5.00. I always make sure I ask for a receipt even at Tim Horton’s. Another loss leader in the budget is trying to hide spending from your spouse/partner ,simply “don’t do it”. What do we do with all these Receipts? Every time we receive a […]

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 […]

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