Posts Tagged ‘Canada’

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Grocery Shopping Isn’t Always Easy

The best time to go grocery shopping really depends on what busy means to you and how overwhelmed you get by the amount of people in your way while you are looking for items on your shopping list.

Have you ever wanted to get an item off the shelf but someone was standing in your way? You pick up any random item and pretend to read the label and ingredients even if you don’t know what it is just to pass time until the person gets out of your way. Sometimes you go as far as to pick the item up right next to what you need in hopes of inching them a bit further out of the space so you can grab what you need. If I’m in a real rush, I say excuse me but I don’t like to rush people either so I will just come back to the item if I have to.

That’s why we do our best to avoid the pre-dinner rush and opt to shop when it’s quiet rather than when the  store is flooded with people. Most people are rushing in after work in a hurry to get home and make a 30 minute meal so they can relax for the rest of the night with the family. I find there are peak and off-peak times in our area but not everyone is able to get to the grocery store simply because it’s “quiet time” or as we like to call it “feeding time” when people are at home eating dinner.

Find me a grocery store that is not busy between 2-7 pm and I’ll be shocked because it’s like walking into a concert hall in most of the grocery stores in our area. Kids are screaming, people are racing through the aisles with their grocery carts and sometimes even forget where they left them because they get side-tracked.

I’m sure if you think about it you can safely say that you are bound by grocery shopping habits whether it’s what stores you frequent, what day of the week you shop, what time you shop, how you shop. Grocery shopping on a budget for us means that even though we are only grocery shopping for two it can get just as frustrating as someone who has to shop for 3 or more people. When I need to go grocery shopping I plan out the grocery shops only because I know how terribly busy the stores can be and I just don’t function well in a busy grocery store.

Sometimes I think the best time to go grocery shopping is early in the morning when the shop just opens but that’s not always the case. Sure it may be quiet but you also risk that not all the product you want is out on the floor yet. The reduced products aren’t always marked for sale either although many times it’s hit or miss.

We have run into occasions where grocery stores run out of stock mainly flyer specials and they tell us a new shipment is coming in on the afternoon truck. Most often it’s because they sold out over the weekend when they are at their busiest. That means we would have to make a second trip to the grocery store. Alternatively we could head to another store that price matches in hopes of getting the same deal or go back costing us more in gas and time. The other option is just to cross it off the grocery list and move on.

What times are off-peak?

Good question but like I mentioned it all depends on where you live, what time your grocery stores open and close and what’s best for you. Some major cities may not have any off-peak time because they have people coming in and out like a revolving door. I often find that if I can get into a 24 hour grocery store like Metro late at night it’s the best time for me to shop. Sure there are people in the store but mainly late-night shoppers like me after work or those that just want to get in while no one else is around.

It does get fairly quiet, but the best part is being able to think and helps me to find deals without overlooking them because I’m getting side-tracked. I find that it’s the best way to grocery shop for me and if I need any grocery shopping help it’s not difficult to find someone to give me the assistance I need. That and it’s fast service. That’s some easy grocery shopping if you ask me.

Other off-peak times to shop are like I mentioned early in the morning and between 7 pm-closing when most people are at home tucking the kids into bed getting ready for the next day. The best time to go grocery shopping on Sunday is later at night as well because most people are again getting ready for manic Monday.

What times are peak times to grocery shop?

I avoid grocery shopping on Friday and Saturday at all costs. Now the only downfall with this is that we miss out on some of the weekly deals that happen only on the weekend. We don’t rule it out but if we can avoid the shops on the weekend we will do that the best we can. It’s just too busy and since most people work Monday-Friday it’s their only opportunity to get out without having time constraints like they would during the week.

Ultimately to do grocery shopping at various times of the day really depends on someone’s daily schedule. Although we may all like to have a standardized work week that just isn’t possible. If I need to go grocery shopping during peak hours I know that I have to keep focused, find what I’m looking for and get out.  When the wife and I go together it’s easier to shop and it’s easier to take our time to find the deals that aren’t advertised such as pink sticker deals at Loblaws stores or those that are on clearance and blow-out.

Questions: When are your favourite and least favourite times to grocery shop?

June grocery game recap

This is the start of the June Grocery Game Challenge which means we are almost half way through the year. In July I plan to do a 6 month grocery budget recap to see just where we stand with our budget and if we need to make any improvements. If you missed grocery game posts for this month just click on the links below and post your shops in the comment section. Each week I will add the previous weeks Grocery Game Post here.

Grocery saving tips

Free Money Saving Downloads just for YOU!!! Get organized with a freezer inventory, meal plan, shopping list, price comparison list and much more!!! Click, Save and Print.. It’s that easy~ Also look back on previous grocery game posts for loads of grocery shopping tips and information.

What’s In MrCBB's Shopping Cart

No Frills

  • 2 x Kikoman Soy Reg $5.49 (which I think was wrong as a small bottle is so expensiv but that’s what they marked down on the label) – 50% pink sticker- $0.50 coupon
  • 1 x Neilson 2% milk $3.97
  • 2 x bread- 50% pink sticker
  • 1 x fennel Sale $1.77
  • 1 x Kale Sale $1.97
  • 1 x White Mushrooms PM Freshco $1.00
  • 2 x Rooster garlic Sale $0.58 ea

Total Out Of Pocket: $16.73

Food Basics

  • 1 x Prime Chicken Thighs Boneless, Skinless Club Pack- $15.00- $6.00 =$9.00
  • 1 x Reduced Portobello mushrooms $1.29
  • 1 x Astro Original Yogurt Sale $1.88
  • 1 x Halal Yogurt Sale $1.88
  • 1 x Ferma Corn flour (for homemade dog treats and other recipes) Reg $1.99  Sale $1.69
  • 3 x Seedless Cucumbers Sale $0.88
  • 6 x Cedar Coconut Milk Reg $1.39 Sale $0.88 ea

Total Out Of Pocket: $ 23.66

Freshco

  • 3lb bag of Sweet Vidalia Onions Sale reg $3.99 Sale $2.00
  • 2 x SOS Soap pads Sale $1.00 ea
  • 1 x 1kg Krinos Traditional Feta $13.99
  • 3lb Carrots $1.77
  • 4 huge Yam/Sweet Potato $3.20
  • 15 x limes Awesome Sale $0.15 each $2.25
  • 2 x Organic 3 pk Romaine Hearts Reg $3.99 Sale $1.99
  • Dark Rye bread Sale $1.69
  • Farmer Rye Bread 454 g Sale $1.69
  • Signal Thousand Island Dressing $1.42 ( I can probably make this can’t I?) -impulse
  • Worcestershire Sauce 284 ml $3.47
  • Green Seedless Grapes just under 1kg Sale $1.97
  • Red Tomatoes On the Vine Sale $1.99
  • Gay Lea Spreadables $3.59-FPC=FREE

Total Out Of Pocket: $55.45

Shoppers Drug Mart

  • 1 dozen eggs omega Reg $3.99 Sale $2.99

Total Out Of Pocket: $2.99

The-Grocery-Game-Challenge-June-2013

Yearly grocery budget for two : $2819.38
  • Total Grocery Budget for the Month: $235.00 or $78.33 week with one no-shop week per month or $58.75 for 4 weeks per month. (During the months with 5 weeks we just make it work)
  • Total Budget For June: $235.00- $72.24= $162.76 ($83.42-$11.18=$72.24 will be carried over to July)
  • Total Coupons Used this Week : $4.09
  • Total Discounts this Week: $21.38 (reduced products)
  • Total Gift Cards Given Used this Week: $0
  • Total Rewards Points Used: $0
  • Stockpile Budget: $20.00 Used: $20.00 (4 packs of sausage $12 and prime chicken thighs $9.00+ $21-$20= +1 to the regular grocery budget.
  • Total Spent This Week: $ 78.83
  • Total Spent So Far for (June): $23.89+$44.68+ $78.83= $147.40
  • Total Over/Under spend this shop: $ N/A
  • Total Over/Under spend for the month of  (June): $N/A
  • Total Left to Spend for the Month: $162.76-$147.40= $15.36
  • Total Coupons Used This Month:$4.09=$5.00= $9.09
  • Total to Carry Over Next Month: N/A
  • Total Spent To Date This Year: $206.95 (Jan)+ $160.77 (Feb) + (March)$169.62 + (April)$397.74+(May) $155.68=$1090.76
  • Rendezvous Account: $65.38 This is money saved if there is any leftover at the end of a month of grocery shopping for a date night for the wife and I.

Weekly Overview: This week we didn’t do as badly as we thought but we did manage to make use of our stockpile budget of $20 mainly the meat that we bought in bulk. We have just over $15 left for the rest of the month. We likely will have to buy milk next week and maybe eggs but that’s about it as we have more than enough vegetables. We also have our chives and spring mix ready to go in the garden. Next week will be a no-shop week besides the milk and eggs and the last shop for June. Phew!

Canadian Coupons Found In June

June-Canadian-Coupons-Found

  1. Save $1.00 on any one Dr. Oetker Casa di Mama Pizza UPC 88623913-  Exp Dec 31, 2014 –  Food Basics
  2. Save $1.00 off Tabasco  UPC 07505717- Exp Dec 31, 2014 – Food Basics together with Dr. Oetker Pizza booklet
  3. Save $1.00  wub (when you buy) 2 Belvita breakfast biscuits  UPC 15043232- Exp Dec 31, 2013- Food Basics
  4. Save $3.00 wub 2 DanActive on DanAvtiv no sugar drinkable pro-biotic yogurt 8 x 93 ml packs- UPC 29506965- Exp Aug 31, 2013- Food Basics
  5. Save $1.00 when you buy any 2 Ritz Crackerfuls Crackers UPC 15043216- Exp Dec 31,2013- Food Basics

Note: All the above were found on displays.

Frequently Asked Questions

Grocery Game Challenge RULES….. Read the rules first and if you have any questions email me or comment on this post with your question and someone will answer you as soon as possible. 

  1. Do I have to be Canadian to post my Grocery Shop? No, you don’t have to be Canadian to post your shops only to win a monthly prize. We have a few players from around the world.
  2. When does the Grocery Game Close each month? The Grocery Game Challenge Closes at Midnight of the last Sunday of the last post for the month. You can post your shops all month-long.
  3. Does Your Grocery Budget Include Health and Beauty and Laundry? Yes our Grocery Budget includes such items as shampoo, conditioner, laundry soap, fabric softener, dish soap etc. We don’t mind stockpiling items that won’t be affected by expiry dates or have long expiry dates but not so much food any more. It’s just one way to help cut your budget to save money.
  4. Where can I find Canadian CouponsHere are your latest Coupon Match-ups  of the week including Checkout 51 from 25 Newspaper Inserts around Canada compliments of Save Big Live Better that you can use to help you save money in the Grocery Game Challenge.
  5. How Do I Know what stores accept coupons? You can find all your store coupon policies here. If you are not sure it’s always best to call the store and ask.
  6. How Do I Grocery Shop?- I can tell you about grocery shopping and what we do in terms of shopping to save money and how it works for us. There are no wrong or right answers, just smart choices.

Over time you will gradually learn where you should and shouldn’t go in the grocery store or at least how to say no, I’m on a budget I don’t need to buy this or that. You may also substitute items in order to stick to your budget to make it work. If you have just joined The Grocery Game Challenge get ready to dive deep into your grocery budget and learn just where you are spending, how much you are spending and what you are saving. You’ve made a wise decision.

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Baby in Diapers

By: Katrina

Deciding whether cloth diapers or disposable diapers are right for your baby budget takes some research. The more you plan the better you will be able to make informed decisions before your baby arrives. Easier said than done, I know I was once in that position and with so much information in books and online it’s hard to figure things out.

Sometimes testing out products is the way to go and the only way you will know what’s right for you and your baby. That’s probably why I like to get free product samples because it gives me a chance to use products before I purchase them. Just don’t give up as easy as  I did when it comes to deciding on which diapers to choose.

When the pregnancy test confirms you are pregnant all sorts of new emotions and thoughts scatter in you mind because you now have to think about a baby. A couple of weeks after my son was born my mom convinced me to give cloth diapers a try. We went to a local baby store to research the cost of cloth diapers and more about how they might work for my baby. I learned one thing quick…they are not cheap!!

My mom had offered to make the initial investment for me, but being as I was kind of on the fence about whether or not I wanted to use them, I wasn’t comfortable making that decision on the spot. After some consideration we decided to purchase 3 sets, diaper, diaper cover and inserts. I can’t remember the exact figure, it was a few years ago, but I recall spending around $50.00 for everything.

Using Cloth Diapers

I took the cloth diapers home and I quickly made my decision faster than anticipated. After using the diapers for one full day, I knew they weren’t for me. After having to change my son’s clothes 4 times in a few hours I was done!

I know there are different kinds of cloth diapers out there and I’m sure some work better than others but I still wasn’t convinced. Considering the fact that I wasn’t really sure I wanted to do it in the first place I was discouraged from looking into any other cloth diaper options. Looking back now I do have some regrets.

We are a diaper-free household now and I am so happy for that. Not only because of the cost of diapers but also a major decrease in garbage. Both of my kids were in diapers past the age of two. Based on 2 kids being in diapers for around a total of 5 years, that’s 260 weeks and some of that time they were both in diapers. I figure I spent around $3600 on disposable diapers. Wow!! All that money just to throw away a diaper.

Purchasing my own cloth diapers would have been a rather large investment initially but I believe they would have been much cheaper for me in the long run. The most common recommendation for how many cloth diapers to buy is 24 and that’s based on a 2-day wash cycle. As your baby grows you will require less diapers, but 7-10 diaper changes a day is normal for a new born.

The cost per cloth diaper varies depending on the brand and style you choose, but a full diaper complete with a cover and inserts can cost anywhere from $5-$20 per diaper. That number can be hard to grasp when you think about how disposable diapers can be purchased for less than 25 cents each, even less if you use coupons or buy store brands.

Baby Budget

Preparing for maternity leave and how your budget will be affected with your new baby needs to be planned well  in advance. I did my best to save money wherever I could. Occasionally coupons for store brand diapers can be found but almost always you can find coupons for Huggies and Pampers.

You can even order coupons by calling SC Johnson Baby each month or by ordering coupons online. I always took advantage of stockpiling baby items when I had coupons to save money in my baby budget especially for when I went on maternity leave.  I did use some Pampers coupons in the beginning when my son was newborn then realized that the store brand diapers were cheaper still without a coupon. They worked just fine for us.

Disposable Vs Cloth Cost Comparison

For this comparison I am going to use the higher end, $20.00 cost per cloth diaper and an average of 8 diaper changes per day.

Disposable Diapers      

  • Monthly Cost
  • 8 per day @ 0.25 each = $2.00   $60.00/month>>Over 2.5 years=$1800
  • For myself that is times 2 as I have 2 children=$3600

Cloth Diapers

  • $20 per 24 diapers=$480.00 Initial investment

Note* depending on the brand you choose, you may have to purchase bigger cloth diapers as your child grows. $480 x 2 purchases=$960.

I could have reused the cloth diapers for my second child and saved an additional $2640.00 on the initial cost of diapers alone. You now understand why I am regretting my choice to use disposable diapers as I may have potentially saved money in my budget but also eliminated diapers going to the landfill.

You should keep in mind time, laundry detergents and water/hydro costs which will vary depending on where you live. Although you won’t be buying as many garbage bags to dispose of the diapers, so in turn reducing that cost. Cloth diapers do also require a wet bag for storing when outside of the house, and a pail of some kind at home to store. Both may cost a total of $50.00 combined.

Additional inserts may be desired or required which will cost you $$.

Cloth Diaper Services

To ease the amount of washing and the time involved with cloth diapering, there are diaper services that will deliver, pick up and wash the diapers for you. Like any convenience you will pay but for some this cost might make sense to them.

A local company in my local area is Bear Bottoms Diaper Service. They will do this for $19.95 a week. This would have ended up costing me around $5200.00 for this service. It may not be the most cost effective way to use cloth diapers but if you really have your heart set on it, it can ease the amount of soaking and washing you will have to do.

Looking back now I should have taken the time to really think this through and do a bit more digging around. Talking to other mom’s who have used both diapers to get feedback on costs would have also been a smart decision as well.

The convenience of disposables really outweighed the messiness of a cloth diaper. Had I done enough research I could have saved a lot of money in my budget. With a little bit of patience I might have been more successful with cloth diapers than giving up after giving them one shot. After seeing multiple friends use and enjoy cloth diapers over disposable diapers while saving a ton of cash, I wish I made the choice to use cloth diapers.

What kind of diapers do you use? Do you wish you had made a different decision?

Editors Note: Thanks Katrina. Although we don’t have any children it’s great to learn from those with experience such as yourself especially when it comes to an expensive cost such as diapers.

katrina cbb

Post Contribution: 

Katrina is regular contributor for Canadian Budget Binder and is as passionate about personal finance as she is gardening. Katrina is a horticulture graduate with over 10 years experience with landscaping and greenhouse production.

Her goal is to share her knowledge and experiences blogging about gardening and her continued passion for personal finance in hopes of motivating others. While being a single mom of two and an in-store marketing representative  for major retail shops she also runs her own Landscaping Services in Southwestern Ontario.

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