Fast food restaurants are a dime a dozen: PF Weekly Grab a brew #60

A LOST BUSINESS IDENTITY CAN COST $   It’s no secret that I use my allowance to buy coffee at fast food outlets like Tim Horton’s or McDonald’s but I don’t ever invest in much more. Some people live and breathe the products that are new at their favourite fast food outlets but in the past few years it’s become overwhelming. There are changes though coming to one of the most popular coffee giants, Tim Horton’s. You may notice some of your favourites missing from the list and ice-cream is on it’s way out the door.   Business model   I don’t know the in’s and out’s of the fast food industry but as a consumer watching in from the outside my feedback is just as important. I’ve participated in many focus groups for the fast food industry over the years and to be honest with you things have changed dramatically. Sure we get fast food back in the UK and although I haven’t been home for about 6 years it’s hard to say what’s changed but what I do know is competition among the restaurants in this industry is cut-throat. It’s about who has the healthiest fast food menu […]

PF Weekly grab a brew #36: Don’t throw money at Tim Hortons cashiers

Don’t Mess With My Coffee Or Else That’s right, if you throw money at a cashier you might land yourself in a court room waiting for a judge to read your demise like unhappy Roy Gilmore in New Brunswick, Canada. Just when you thought you couldn’t give money away when you just throw it at someone practically giving it away you get slammed for it. The Crown is asking for jail time for Gilmore who was upset while trying to scrounge up the amount he owed for his medium coffee at Tim Horton’s but was short $0.11. He got angry because he felt for all the times he had left tips for the cashiers that they could at least help him out and let him off the $0.11 for the coffee. Apparently the cashier Katelyn Blair would not give him his coffee. You don’t pay, you don’t get it and that is what it all boiled down to. Alternatively I don’t read anything about um… maybe getting a small coffee instead of a medium lol as it does cost less. It’s lovely every once in a while when we hear those pay it forward type stories because the good in […]

The Saturday Weekend Review #23: In-Car Espresso, Home Prices and The Garden

When Saturday rolls around I know it’s my time to reflect back on the week which gives me a moment to check in and see how we’re doing in terms of our goals for the month. So far, so good. Home Prices Not a big shock to read on Yahoo this morning about Canadian home prices and how they are far too high. It’s no surprise and I’m betting there will be a correction to the market, the question is when. Royal Bank has already announced they will be raising their interest rates  from one-tenth to two-tenths of a point depending on the mortgage come Monday according to the Yahoo post affecting mainly the 5 year closed mortgage term. That house I told you about last week in my post  one house, one home, two mortgages and a pool, well it sold. It sold only after they reduced the price further this past week. To be honest I still believe it was overpriced and I hope the new owners have no plans to move any time soon. Good for the sellers, I’m sure they are relieved after 2 price drops that the home sold. They did lose money though having […]

Making The Best Of What Is Available: My Grocery Shopping

I have lived in five different countries over the past 10 years such as  France, Guatemala, Spain, the UK and Morocco. While I love to cook, changing country had taught me that you can’t have the same meal plan wherever you live. Grocery shopping is a different experience in every country. In France, cheese is cheap and delicious, while finding cheese other than orange cheddar is a challenge in Guatemala. You would think that living in a cheaper country means that every daily item is cheaper. It is true. But daily items mean what the people who live there eat. In Guatemala that means beans, rice, meat and vegetables. Not cheese. Cheese is a luxury that is not part of the lower and middle class diet. Even milk is a luxury, which is strange because there are so many cows, but I guess the whole refrigerated distribution is complicated. Instead of having cheese for lunch and dinner as I would in France, I eat mozzarella or cheddar cheese once or twice a week, on pizza or omelets. And once in a while, I pay a premium to enjoy a nice goat cheese from a gourmet delicatessen, with a glass of wine. Wine […]

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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