Starting Our Frugal Garden From Seed

Gardening for some is a passion and for others just another chore. For me, enjoyment of watching something grow, mature and flower is fascinating. Plants don’t all have to be about huge flowers, they can be the focus or the backdrop or just plain useful. Every year we grow our own food in the garden, though I’ll be the first to admit we couldn’t live off the land we have, it’s more of a novelty thing. There are advantages other than cost to growing your own, the flavours are far superior and the knowledge that you didn’t spray everything in sight with chemicals. I can remember when I was growing up in England that quite a lot of people had apple trees in their back gardens the obligatory rhubarb patch as well as a sprinkling of gooseberry bushes, damson trees and in rough open space you could find blackberries by the thousand. Coming home from school at a young age we would often scoff free damsons off some old ladies tree. I do believe it was called “scrumping”, though that term is more synonymous with stealing apples off a tree. I’m sure growing up in an area that was dominated by old Victorian houses helped as it provided […]

PF Weekly Reading List #10-Can I See Some Stolen ID Please?

I’ve never had my personal identification (ID) stolen before and when I was reading through Yahoo News yesterday I was laughing out loud after what I had read. So to shorten the story an Applebee’s waitress loses her walled filled with ID, credit cards, cash pretty much everything a person would keep in his/her wallet.  A few days later the bank rings her up to tell her cheques are being issued in her name. Right about that point I’d still be calm trying to sort it out but I know the wife would be freaking out. She’d be freaking out the moment she knew someone has stolen her ID. Then the plot thickens. So the waitress is at work and heads over to serve a table and asked for ID after they order alcoholic beverages. This is the point where she looks down at a driver’s licence and guess what……….. It’s HERS! I know I shouldn’t have laughed but I’m probably not the only one who read the story and thought, what a bloody coincidence that was. What would you do? Your first instinct may be to reach over grab her by the shirt and give her a one, two […]

February 2013 Canadian Budget Binder Budget Update #2- Big Ticket Expenses Hurt!

February 2013 is a month we hope to forget but also learn from as our budget took a right hit coming out into the negative. As you already know we had our water softener go belly up and I had to replace that to the tune of over $1100. The good thing is I received Sears points and Canadian Tire MasterCard rewards points as well have 90 days to hope the unit goes on sale for less than $899.99. That way I can go in to Sears and get a product price adjustment. We also had Union Gas around to change our old meter to a new updated meter so I’m guessing we can expect higher bills from now on. Over time the older meters don’t read correctly, hence Union Gas wanting to change them. It was good while it lasted. We also had an increase in our telecommunications bill which I touch on later in the blog post. Let’s see, we had to pay city taxes, our electricity and water bill which comes every 2 months. I noticed a spike in our water bill and once I get the next bill I should be able to pinpoint why and I’ll blog […]

grocery game monthly challenge

The Grocery Game Challenge #10-Mar 4-10,2013-Road Trip To Target Canada

The arrival of US Discount store Target Canada has ended in 3 Ontario cities Milton, Fergus and Guelph. These 3 pilot Target stores in Canada opened their doors today to anxious waiting customers. We thought we would go on a road trip to the closest Target store to see what the fuss was all about. Instantly I said, it’s a “Zarget” as there was still an aura of  Zellers in the air. I’m sure the reminiscent feelings will slowly die off but it carried through most of the store. In fact it seemed more like a modernized version of Zellers with the high-tech electronics section with some pretty cool cameras (I was tempted but, not this time. There was also the expected traditional pharmacy and the health and beauty section for cosmetics which was bright and so very Hollywood. The great part was the wide aisles, bright colours and it seemed spacious, not cluttery at all, then again it is a new store. Housewares seemed different as there were styles that we had never seen before and the clothes departments were airy and open as opposed to crowded with old clothes and loads of discount racks. A huge change was the amount of […]

How I Reduced Our Grocery Budget From $1100 To $600 In 6 Months

ABOUT OUR FAMILY   We are on a very tight budget with food being the second greatest expense, preceded only by our mortgage. My husband and I have spent most of our family years raising our kids and figured we would have plenty of time to save for retirement. Retirement has arrived for my husband and is staring me in the face and we are trying to get our financial house in order. Our kids are the joy of our lives but raising 4 of them has proven to be costlier than we would ever have imagined. This is our story about how we are beginning to climb out of debt and onto the road towards financial freedom. It is never too late to take control of your financial future. My family is a single income family of 5 (two parents and three grown kids at home). Last summer, I sat bemoaning my situation (out of control debt and never enough money at the end of the month) and wondering where my money, which in theory should be sufficient to meet our needs, went. I am a professional person and make a modestly decent income, but through the wonder of the […]

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