Posts Tagged ‘Christmas’

man with valentine's day balloon

February 14 may be Valentine’s Day but that doesn’t mean you have to break the bank to say, I LOVE YOU. Valentine’s Day is one of the most commercialized times of year next to Christmas in my opinion. Romance is in the air this time of year and when you walk into any shop you will know why. Everything from chocolates, fragrances, jewellery,  lingerie, sexy lotions and potions to unique Valentine’s Day gifts such as furry slippers and cupid shaped candles scream at you to buy me, buy me, I’m the one.

Personally we don’t bust the budget on Valentine’s Day because every day is a special day in our relationship. Yes, OK it sounds cheesy but it’s true. That doesn’t mean we can’t plan something romantic for each other. If your woman says she doesn’t want anything for Valentine’s Day, don’t take it literally, do something or risk her heart being broken even if is a hand-written note.

In my experience, I’ve found some women anxiously await what their significant other has planned for them; but wait a minute, Valentine’s is not just for women. I wonder if women realize how stressful it can be for a man to pick out the right gift, very! Likely why my wife has made me the happiest man alive, easy-going, no stress and I love her!

Although to be fair many women get just as excited to tell the man in their life how much they care and want to do something equally as special. Nowadays you can even find Valentine’s gift baskets for him and her which I think are a sexy great idea, even better if you can make them and fill them up yourself. Think of the money you can save personalizing a gift basket with items you know your partner will actually use better yet, use together.

We generally save money all year in our projected expenses account through our family budget for special occasions and this one is no exception. As a couple we plan to do something together on Valentine’s like going out on a hot date even if it is just dressing up and going for a walk arm in arm sipping a white hot chocolate from Tim Hortons. We also plan something special and frugal behind the scenes as a surprise for each other. I’ve learned over the years that the wife does not like flowers for Valentine’s Day as she feels they are a waste of money if you can’t get at least some time to enjoy their beauty. That hasn’t stopped me from laying rose petals that I’ve found at the dollar store trailing up the stairs into to the bedroom, onto the bed. The red and white candles were lit and soft music was playing in the background with the light scent of cinnamon filling the air.

I mean, are you really smelling the roses at the point where you are both standing arm in arm in the bedroom staring into each others eyes? Probably, far from it as you are enjoying the company of someone you are deeply in love with. I’m sure you are more interested in what’s happening next than what’s happening with the freshness of your flowers. Of course you could place an ad on Kijiji to see if anyone has any roses or other flowers from a one night gala, celebration, wedding or birthday they are selling for your “love project“. You might be surprised to see that someone is willing to sell them off just to recoup some of the money they spent, flowers ain’t cheap. Remember your wedding day? Ok, you can stop laughing now but a rose is a rose, is it not?

I’m just saying that you never know what’s out there. My wife would prefer a garden full of roses rather than a bouquet of red roses once a year that would last a few days and cost me at least one hundred dollars and then some. I make it a priority to make sure that every summer she gets her roses and a multitude of other flowers to compliment our landscaping. That way she can enjoy them for months and I get a happy wife. Not all couples are the same and what works for one might not work for another. You know your partner so finding the right gift for the right price all boils down to what displays your affection the best. For some it’s with a gift for others it’s with a kiss.

You don’t have to run out looking specifically for cheap Valentine’s gifts but if you use your imagination you can enjoy a sexy night the frugal way. Don’t be afraid to look online for coupons, coupon codes or in your local flyers because there’s no shame in saving money when shopping for a gift. Since we both have optimum cards we have used Shoppers Drug Mart Optimum points in the past in order to redeem for cologne, fragrances and make-up for $0 cost.

In 2010 Canada produced a whopping 12 million stems of roses or one million dozen roses, according to Stats Canada. Did you know that red roses cost the most amount of money during the Valentine’s holiday?  Opting for a mix of different colour roses and alternate type flowers in the arrangement might be a frugal option?  Don’t forget to check online to see if there are any coupon codes for flowers as well. If you can save a couple bucks or free delivery why not.

What do the different colour roses mean? 

  • Red- symbolic of love and steamy passion and the most popular of roses, Hot, Hot, Hot!
  • Yellow- symbolize friendship and joy
  • Blue- symbolizes mystery
  • Orange-symbolizes desire, passion and enthusiasm
  • Pink - Symbolize admiration, joy and appreciation
  • White-symbolizes purity, innocence and honour
  • Lavender-symbolizes love at first sight

Frugal Ways that Say I Love You on Valentine’s Day

Romantic Candle Centrepiece Valentine's Day

  • Design a centrepiece with a red candle, rose petals, and tea lights which you can use for a romantic dinner or any other place in your home where you want to exude the romantic ambience
  • A handwritten poem with words spoken from the heart is always a romantic touch

homemade marmalade Valentines Day for him

  • Get Crafty and make something special for the Man of The House like this jar of marmalade found at Kate’s Creative Space

valentines dinner ideas

  • Create a Frugal Holiday Dinner Table fit for a romantic, fun evening of good food like at The Beauty and Brains

I can't smile without you

  • A toothbrush with a special Valentine’s Note “I Can’t Smile Without You, Happy Valentine’s Day”  is simple, quirky yet romantic at best found at Pinterest

heart rolls cinnamon rolls Valentine's Day

Mr.CBB's Valentine's Orange Ricotta Pound Cake

Mr.CBB’s Valentine’s Orange Ricotta Pound Cake

A simple note to say I love you

For me the best Valentine’s Day Gift is being able to simply say, I love you, I’m in love with you and there’s a special place in my heart for you.  Sounds easy, but I am just like every other man who will go out of his way choosing a gift or trying to put something together even if it is writing a Valentine’s Poem or sending a Valentine’s e-card just to make her smile a little more than she already brightens my day every day.

What are some frugal ways you say I love you to that special person in your life?

Giveaway

Enter to WIN $100 Cash via PayPal to make your Valentine’s Day Frugal because you won’t have to pay for it if you win!

Click the Rafflecopter link>>>>here to Enter to Win!- Update: Contest Now Closed

Contest Runs Feb 4-15,2013 Open to anyone with Paypal not just Canadians!

Valentine's Day Chocolates in a box

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Photo Credits:  Box Of Chocolates, Valentine’s Centrepiece, Man with Valentine’s Day Balloon

Copyright (c) <a href=’http://www.123rf.com’>123RF Stock Photos</a>

About these ads

New Year's 2013 CBB

Happy New Year’s to all my fans here at Canadian Budget Binder. The Grocery Game Challenge has been amazing this past year and I know 2013 will be even better. We have had fans from Canada and the USA post their grocery shops weekly and we are growing each month with more people who want to stick to their grocery budget. If you are looking for ways on how to save money post your shop in the grocery game each week.

I often have people email me to ask me “How much should my grocery budget be?” but the question should be “How much can I afford?” to spend in the budget.  I can’t tell you the amount of people who are looking for magic numbers telling them what they need to spend on groceries every month. I’ll tell you all loud and clear you are the one holding the answer to your question. No one on the internet can tell you what to spend. Once you figure out your monthly budget using your net income the numbers should fall into place. Balancing the budget is the only way you will know how much to spend and besides there may be other factors in your life that only you will know. You have to pay for your fixed expenses first and then your variable (the one’s that go up and down and that you have more control over.  There’s more to frugal living then the grocery budget and once you put a budget in place and follow it the more you will learn. If you haven’t read my budgeting series give it a read starting with How we designed our budget step 1 to learn the basics behind what we did.

Yearly Overview

Popular posts from 2012 that might help you on your quest to stick to your grocery budget and how to be frugal in Canada:

Guest Posts I wrote about saving money and groceries

If you are a regular grocery game challenge poster you will notice that I updated the template for 2013. I will paste it here below but you can also find the template in the grocery game rules post. If you could all use this template so we can follow along with your grocery game challenge all year that would be brilliant.

So as we can see lots has happened in 2012 but the best is yet to come. The Grocery Game Challenge is posted every Tuesday on the blog. Subscribe to the blog so you don’t miss a post!

December 2012 Grocery Game Challenge WINNER is….. DONNA R #25! Congratulations!

You will see below that our grocery budget 2013 has been adjusted for inflation as well as an average of what we actually spent in 2012- $2685.12. Our 2013 grocery budget is now $2819.38. We also now have a stockpiling category in our budget which will be used for stockpile type sales only. If it does not get used one month it will go back into our savings account.  That budgeted amount will be $20 a month or $240 a year. In 2012 we used the grand total of $2727.94 which included everything across the budget just not groceries.  If you compare that to our 2011 coupon use of $7428.81 you will notice it has substantially dropped by $4700.87. I do want to point out that our 2011 total included $750 in Shoppers Drug Mart redemptions which we counted as coupons. So the next time someone tells you it’s not worth it to use coupons just smile and leave it at that. You know who’s keeping the money in the budget and that’s all that matters.

Our Purchases

Metro
  • 2x reduced 1L Pure Orange Juice $0.99 ea

Total Out of Pocket -$1.98

Cheecha Puffs

Cheecha Puffs

Bulk Barn

  • 3 x Cheecha Puffs Snacks $8.97-FPC’s=FREE (Thanks to the fans who told me the Bulk Barn sold these as I almost had to toss the coupons in the garbage as I couldn’t find the product.)

Total Out of Pocket- $0

Zehrs

  • 2x Bounty Paper Towel Sale $3.99- $0.50 and Buy 2 different products save $1.25 brandsaver coupons
  • 3x Charmin Bathroom Tissue 12 Double Rolls Sale $3.99 – $0.75 coupons and buy 2 different products save $1.25

(there was only 1 coupon used with the buy 2 different products and that was one toilet paper and one paper towel. The other products used the $0.50 and $0.75 coupons.)

  • 1 x Pannetone for a gift for our mates Sale $1.94
  • 1 x Party Mix for New Year’s- Sale $2.50
  • 1 x Party Snack for New Year’s Sale $0.94
  • Chicken Backs Sale $1.04
  • PC Maple Mustard -Pink Sticker $1.49
  • 5 x Johnson’s Italian Ground Sausage Sale $2.99-$1.00

Total Out Of Pocket- $38.13

 Our Grocery Game Challenge Results 

Total Grocery Amount Budgeted For the Year : $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.
Total Coupons Used this Week : $17.89
Total Gift Cards Given Used this Week: $- 0
Total Spent This Week:$40.11
Total Spent So Far for (January): $40.11
Total Over/Under spend this shop: $38.22 under
Total Over/Under spend for the month of  (January): $ under $38.22
Total Left to Spend for the Month: $194.89
Total Coupons Used This Month : $17.89+
Total to Carry Over Next Month : $ n/a
Total Spent To Date This Year: $40.11
Weekly Overview: Not too bad this week as we didn’t need alot of items. We will likely stock up next week on vegetables and fruits.
Coupons Found for 2013
January 2013 Canadian Coupons

January 2013 Canadian Coupons

 

FAQ’s- Grocery Game Challenge RULES…..

  • 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 posters from around the world.

  • 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.

  • 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 effected 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.

There are many places you can find Canadian Coupons whether it be in store or via the mail.

Canadian Coupon Match-Ups- Match your coupons with flyer sales!

Here are your latest Coupon Match-ups  of the week from around Canada compliments of Save Big Live Better.

It's Not About How Much Money You Make It's How You Spend It

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