The Mule was your Ride and the Backpack your Head

You watch the Food Network and your mouth begins to water and somehow your stomach starts fighting for your attention. Could it be that the recipes you see are so tantalizing you can smell them through the television. Yes, it’s true cooking from scratch is the best way to go. Celebrity Chefs and the Food Network thrive on all the amazing food they dish up to Canadians and Americans around the world. But does it have to break the budget? Do we really need to be eating convenience in can because we think we can’t afford fresh food? For the mere $1.29 cost of  canned pasta in sauce I can whip up something super healthy in a flash. Even College and University students are now taking a notice at their budget and meal planning in advance using flyers and coupons. The Mule was your ride and your backpack was your head You see, back in the day money was not so readily available to most families. You would see farmland from as far as the eye could see. Many families would grow produce, garlic,nuts, beans and grains etc on their land. They worked hard to put a roof over their heads and food […]

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 […]

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. […]

Top Ten Ways to Cut your Grocery Budget

Looking back at 2011, the first four months of our grocery budget was completely out of control, but that was our own fault. Although we were getting amazing deals, we never stuck to the budget because we were using coupons more than we needed to. We went from spending over $500 a month on groceries to our 2012 goal of $192.78. One thing we learned it was OK to let coupons expire and that we didn’t need to get everything even if it only required us to pay the tax. You see, over time all those little amounts that seem like nothing at the time, all add up. With only 2 people to feed we believe we can easily meet this goal. The problem comes when there is a really good deal or a 20x Shoppers Optimum points events. We also like to keep our eyes peeled for all those discount pink stickers and reduced to clear shopping carts filled with discontinued products. We scan our favourite spots in certain stores to find shelves that have marked down merchandise and so can you! Over time you get to know where in a store they will put all the marked down items for sale. If you are […]

Why the word Budget hurts our ears!

  To some people even mentioning the word budget can cause them to go into a bull horned frenzy. If I mention saving money is about “budgeting” not “bargain basement” they stare at me like I’m talking a foreign language.  Bargain basement meaning that just because you think you are saving by getting deals doesn’t mean you are doing it all right. I don’t delve into deep conversations with friends and colleagues about my personal situation but in idle chatter I am stunned to hear how so many are in financial ruins and desperate for a way out. Over the years I used to think saving was making sure an account was growing with interest in the bank. I always made sure I spent less than I made from a young age. Stashing my paper route money away was where it all began. I purchased my first condo at 21 and later sold it to buy a house at 23. I later sold that home and purchased a modest home with the Mrs. at 32 due to a move out of the city for work. Being the simple guy that I am I was never materialistic but I did love […]

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