Buying Clothes from Second Hand Shops..Is it worth it?

Do you shop at Thrift Stores? Many of these second-hand shops offer new or gently used clothing, accessories and household items for a fraction of the cost at a retail store. Who wouldn’t shop there first, right? Wrong! Some people take a look around them when they attempt to walk in a second-hand shop to make sure no one they know is around.  Myself I waltz right in as I just love second-hand shops. Tip: If you are worried what your neighbour or mate might say because they see you in the store ask yourself this “If they see you then you must see them” so what? Who cares? The stigma put on second-hand shops that they are for the poor or for starving students is WRONG. These stores such as Value Village, The Salvation Army Thrift Store ( Sally Ann)  have grown in popularity in exponential rates over the past decade. Why? The answer is easy many people now see the value in second-hand items. They also see the savings and understand  the cost to the environment and the re-use value.  Most clothing if not donated ends up in clear bags ending up in our landfills. We need to […]

How We Designed Our Budget Step 4-Notetaking

Hi there Folks~ Mr.CBB here… If we’ve learned anything about budgets over the past year it’s that you need to learn how they work before you carry out one.  I admit we jumped in feet first and have learned along the way. This tactic hasn’t been so bad but it can get frustrating, especially if budgeting is a new world for you.  Learning first then proceeding step by step is what we should have done. What we’ve learned over the past couple months is that there were ways to simplify our budget. We found errors in our budget and now realize that we need to have a completely separate Emergency Savings account. You will see all the changes when I post our February 2012 Budget Update. The one thing that has helped us to make these changes is that we kept such detailed notes. This is why I am taking you to this topic in Step 4 Notetaking. Notetaking is an essential part of budgeting. Why you ask? Let’s take a look together here: Scenario: When you were in high school and the teacher taught you a subject did you take notes? Probably, right? Why? So you could take the notes  home and study them to answer questions on a test […]

Product Price Adjustment: Don’t Miss The Savings!

DON’T MISS THE BUDGET SAVINGS!   Are you aware that some Canadian big box and grocery stores have a Product Price adjustment policy? If you are then you know about the great savings you can pocket if you keep your eyes and ears open. If you aren’t aware read on and learn how you to keep money in your pocket. We all know about returning products as I’m sure we have all done it at some point in our life. Once you have finalized a buy it is now your product. Most stores offer a return policy for unopened, unused or defective product. On a cautionary note be aware of a possible restocking fee. Typically stores have anywhere from 30-90 days for a return policy.   Product Price Adjustment   What is a Product Price Adjustment Policy? What most people don’t know is the Product Price Adjustment Policy for most stores also known as a Price Protection Policy. If you buy a product and the exact product goes on sale cheaper than what you purchased it for then you can get a Product Price Adjustment. Keep in mind the price adjustment policy time frame. This is why it is imperative to always […]

Is your Gas Tank Eating Into your Budget?

Didn’t you just fill the tank honey? What do you mean you are on empty already? If you’ve heard these lines before don’t despair, so have I. Everything around us is going up except the numbers in our bank account. In Canada every street corner adorns a petrol station with your choice of price. Take your pick, spin the bottle or take a chance that the station you chose will do the least damage to your budget. How depressing is that? Driving up the road after filling your tank realizing you could have saved $5.00 down the street. It was clear I needed to do my homework before I went a bit nutty. I managed to come across this website where you can check-in on the prices around town Ontario Gas Prices. Sounds great doesn’t it? Sure if you make it there on time but still a great reference. I remember 6 years ago when gas was 75 cents a litre and I thought it was great compared to my mates overseas. When I over-heard people complaining in Canada about how expensive gas was I remember thinking, you ain’t seen nothing yet. In the UK I drove a teeny weeny Ford KA 1.3 litre and it cost me […]

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. […]

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