Canadian Stockpiling Tips-Saving Money in the Budget!

STOCKPILE YOUR BUDGET   Every couponer knows that the key to long-term savings is building a successful stockpiling of everyday essentials. Having a variety of items on hand that you paid rock bottom prices for helps eliminate those last-minute, unplanned trips to the grocery store. Stockpiling is not as difficult as it seems and don’t be set-back or intimidated when you see those TV shows on TLC The Learning Channel). We can’t stockpile with coupons to the mass extent they do in the USA but stockpiling in Canada can be done. When you don’t stockpile on everyday products this is where you could end up paying full price. Here are a few tips to help you start, and maintain, a functional stockpile in your own home. More Savings for the Budget Canada- Are you listening?   Plan before you purchase   The first thing you want to do if you are considering stockpiling products is to plan out what you would like to stock, as well as how long you would like it to last.A good stockpile will go a long way if you plan out your shops. For example, if you would like to stockpile laundry detergent enough to […]

Our Canadian Home-Tips to Save for a mortgage Down Payment

A HOME IS A BIG INVESTMENT   Saving for a down payment on a home is probably one of the biggest goals many people set out to achieve when they want in on the real estate market. Are you thinking of making the move into home ownership? Deciding whether you should continue to rent or buy a home is a decision only you can make. People often ask me why I chose to buy a home so young when I was living in the UK. I decided to buy so young because my parents taught me the value of money early. I saved my money because I knew that I should be able to make more money over time if I invested it wisely. I also realized that I didn’t want to rent but that I’d rather own my piece of land in this world. I’m not going to lie and say it was easy as that’s simply not the truth. I worked hard and long hours to get me into the home ownership scene. I had no debt and paid cash for everything I needed. My wife was the same way growing up so we both had an understanding […]

grocery game monthly challenge

The Grocery Game Challenge March 12-18 Week 3

This is our weekly grocery shop for March 12- March 18. What was your weekly shop like? Post it in the comment section of this post and you could win a monthly prize of $50 in various Canadian coupons~ see rules and regulations here.  We are now down to $75.09 left to spend for the month on groceries. Let’s see how well we do with this weeks shop.  **Edit** We are over budget already this month. Sometimes you win, sometimes you don’t. Money will have to come from our Emergency Savings to cover the overage. I’ll explain why we went over this month in our March Budget Update! Cheers This weeks grocery shop will be challenging for us since we spend a bulk of our grocery budget last week.  Once I tally up all our shops for this week will have a better understanding where we stand. Next weeks shop will be our last for the month as we will do a no-shop week that week. Today we did our first shop of the week at Shoppers Drug Mart and picked up a Sunday/Monday special for Sugar at $1.99. We also stopped in to Zehrs for a few pink sticker deals! […]

Did You Order Your Credit Report Canada? It’s Free There’s No Excuse!

YOUR CREDIT REPORT IS YOUR HISTORY   When I asked my fans if they had ordered their credit report or if they knew what was on their credit report the answer was an astounding no for many of them.  Most had no idea how to go about ordering a free credit report in Canada. Today, I’m going to show you just how easy that is and it won’t cost you a dollar. Some fans didn’t even care about seeing their credit report and that’s fair as some people truly don’t care but for others it is crucial to know what is happening behind the credit scenes. The worst thing is being uninformed until something goes wrong and then you rush to fix any financial concerns. Sadly, fixing credit doesn’t happen overnight and will take time. A friend of ours moved into an apartment and wanted to get some furniture from the Buy Now, Pay Later place only to find out her credit report came back with an unhealthy mark so she was denied credit. When I asked my Facebook community about their credit report I was also surprised to learn that most had no idea where to find out about […]

Friends With Benefits- Helping Us Stick To The Budget

Get your mind out of the gutter…crikey I’m simply going on about Networking! There’s always a dollar to be saved when you network, right? Not everyone is an extrovert but you don’t need to be when it comes to networking you just need to be you~ and talk! What is Networking, you ask? Networking: according to dictionary.com A supportive system of sharing information and services among people and groups having a common interest:Working mothers in the community use networking to help themselves manage successfully. 2.the design, establishment, or utilization of a computer network. The Easiest Way! Talk to the people you know! The Best Way!  Talk to people you don’t know! Example: The easiest way We all have someone on our street that knows everyone’s business- they may do the  networking for you, no effort involved but the initial conversation. True Story(names and career changed): Ethel– (Your neighbour) Hanging out the window with her dog staring at your every move. “Good Morning Luigi, nice day today.” You– Good morning Ethel, yes I’m off to work. Ethel– What is it that you do Luigi? You– I’m a Mechanic at my shop Ethel. Ethel– Oh that’s great Luigi maybe you can take a look at my brakes on my car one day next week? You– Sure Ethel bring your car around on Tuesday at 9am. Ethel– Great, thanks Luigi, see you then. You– Bye Ethel […]

The What If’s in Life with Life Insurance- Staring out the Canadian Glass Window

What if I lose my job, What if I get injured, What if I die,What if this What if that.. blimey, are you tearing your hair out? Are you thinking about life insurance yet? Sometimes preparing for the future seems like it’s silly but perhaps it’s just a way to put off the inevitable. Some people I know didn’t think they needed life insurance or thought it was only something senior folks think about. Scenario:  Older Couple who never purchased Life Insurance Little Savings Age 50’s with children/grandchildren Mortgage until they are in their 70’s Little Investments Health Status- bad Heart Condition, Diabetes Source: EverydayHealth.com What we do know for sure is: We WILL all DIE! Face it mates, it’s going to happen whether you like it or not. ** Note: if you are reading this and have some sort of secret potion to prolong this send me a quick email so we can meet up** If you plan to remain single and childless for the rest of your life and have money put aside for your funeral costs then you can sweep the insurance idea under the mat. Do you really need to pay for Life Insurance when there […]

grocery game monthly challenge

The Grocery Game Challenge March 5-March 11/Week 2

This is our weekly grocery shop for March 5- March 11. What was your weekly shop like? Post it in the comment section of this post and you could win a monthly prize of $50 in various Canadian coupons~ see rules and regulations here. We had this weeks shop planned and knew we would spend more than the $64 a week we have budgeted for on groceries. With the Shoppers Drug Mart Spend $75 get 18,500 Optimum Points we were already over budget. A fan asked what we do when we overspend at the grocery store in our weekly budget. This week was a good example and below was my answer to her. So far we have spent a total of $114.91 which is $50.91 over budget this week and we are still not done shopping. When we spend over budget one week this means we have less to spend in the following weeks. In this case we have $75.09 left to spend for the month $190.00-$114.91. We don’t want to spend more than the $190.00 a month. We will see what happens. We hit up a few stores for our shopping this week Shoppers Drug Mart, Food Basics and […]

Cranberry Orange Bread in a Bundt Pan- Cost $5

While searching Facebook I came across this recipe on the Quaker Canada Facebook page and wanted to give it a go. We have this huge bag of Whole Wheat Flour in the basement that needed to get used up. I made a couple of adjustments to the recipe as we baked it in a bundt pan instead of the loaf pan. I also tossed in a half cup of chocolate chips (cause I’m sneaky that way) but that is optional. The bread we made in the bundt pan baked for 40 mins at 350 degrees. In the end the bread is simply amazing, get ready for your home to smell of oranges in every room. It sends a warm feeling down your spine when the aroma engulfs you. I estimated this bread cost us around $5.00 to make and will serve 12 people. Thanks Quaker Canada for an easy, yummy recipe! Changes to the original recipe I made as we baked it in the bundt pan. Everything else in the recipe we followed exactly. I adjusted All Purpose Flour to I cup I added 1/2 cup chocolate chips I adjusted the milk to  1 1/4 cup of milk I adjusted the […]

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