Is one cent a grocery price savings? : The Grocery Game Challenge #1 Mar 31- Apr 6, 2014

grocery price savings one centDEAL OR NO DEAL?

 

Pack it in for the one cent day coming to a grocery store near you.

Now if it were the million dollar penny that might be a different story but it’s far from it.

We always have our eyes peeled on grocery prices when shopping but this was one deal that had us a bit stumped.

Now normally a good deal is too good to miss so when I saw this latest deal I was more than a little confused. It’s not only grocery stores posting one cent savings we’ve seen it on Facebook with airline bookings as well.

While out shopping with my wife at the supermarket I came across a deal that looked strange to begin with.

The small pack of donuts in the picture above were originally marked for $1 but there was a one week sale on that no one could resist, What was the deal? Well it’s clear from the photo that you could save a whole 1 cent.

Wow I hear you cry, that’s not a particularly good deal at all. That’s what initially thought until I got thinking about and then realized that there is NO DEAL, or is there?

 

One cent savings

 

Since the Canadian Government phased out the penny coin last year getting a product for 99 cents has become all but impossible. Unless of course there is a new penny I’m not aware of but I’m pretty sure there isn’t.

Due to rounding up or down at 99 cents or a dollar the price remains exactly the same due to the rounding up. This would be true if the same deal was applied to most food products as they are tax exempt, so what would be the point?

If you add the 13% tax as a convenience food then things look a little different. The original price becomes $1.13 rounded up to $1.15. Take the 99 cents and apply the same rule and you get $1.1187 or $1.12 rounded down to $1.10. So now you have a 5 cents difference.

I’m not sure if it’s a marketing ploy, mistake or clever cunning by using the rounding rule to actually sweeten the deal as such and further discount the item without having to apply a discount of 5 cents.

Now I’m wondering if we will see deals like this more and more as the rounding rule applies to the tax collected from products sold. This then would affect the government’s tax collection and not the profit margins of companies.

This way the company only has to lower its $1 products by a single cent and the rounding rule gives the customer the rest of the discount.

I’m sure if this does become an issue that affects the government’s pockets they would certainly look into it. So, unless I’m missing something I still have to question is one cent a grocery price savings, deal or no deal?

What do you make of this one cent savings?

 

April grocery game challenge posts

 

If you missed any grocery game posts for the month I will post the line-up for the month each week here in this section for you. :)

This will be a 5 week month of grocery shops for us but you can shop as much as you need and post as you need per grocery game post as you will always get a ballot.

Congratulations to ballot #8 Mary….. you are the March Grocery Game Winner!!! Please email me with your address.

 

Grocery saving tips

 

Click, Save and Print. It’s that easy!

Free Money Saving Downloads are awesome lists that were created to get us on track to work towards reaching our budgeting goals and now we are sharing them with you.

I hope you take the time to get back on track and start the saving process in your grocery budget today.

Get organized with a FREE freezer inventory, meal plan, shopping list, price comparison list and much more all for FREE. CLICK HERE to download all the free lists and even our family budget spreadsheet for FREE.

NEW!! You can now download the FREE Canadian Budget Binder Budget Spreadsheet in Excel…… Grab it while you can… It’s FREE! We use it to budget.. check it out!

 

Ultimate grocery shopping guide

 

Everything you want to know about grocery shopping in Canada is below with new information added monthly.

If you missed a Grocery Game Challenge post some of the most popular posts are listed below or you can now find the posts listed on their own page called The Ultimate Grocery Shopping Guide.

If you know a topic that should be discussed send me an email and let me know.

 

Food food and more food

 

shopping-cart-short-cash

Food Basics

  • Bananas $2.36 Sale $0.57lb
  • Green Beans Sale $0.99lb $2.96
  • Navel oranges Sale $0.99lb $3.48
  • 12x Gold Seal Tuna Sale $0.99ea.
  • 2x Lactancia cream Sale $0.99-$0.75
  • 1x Lactancia whipping cream Sale $2.49-$0.75
  • 2 x bags of Spinach Sale $0.99 ea.
  • Panko breadcrumbs Sale $0.99
  • Yellow onions Sale $0.99
  • Pacific Salmon $10.00
  • Red Peppers Sale $1.42
  • Pollock fish $10..

Total out-off-pocket $60.79

Shoppers Drug Mart

  • 2 x dozen eggs Sale $1.99

Total out of pocket $3.98

Metro

  • 2 x Shreddies cereal Sale $1.99
  • Kumato Tomatoes Sale $2.99
  • 2 x Old Spice body spray Sale $2.50
  • 4 x Tasters Choice instant coffee Sale $4.99-4.00
  • 3 x pkgs of chicken breast Sale $9.11, $7.97, $8.40 – $20.00 of this is stockpile for the month leaving $5.48
  • Gardein frozen chicken fingers Sale $3.99- FPC

Total out-of-pocket $56.98-$20 (stockpile)=$36.98

 

 grocery game 1 April 2014grocery game 1 April 2014

 

Grocery shop results

 

Yearly grocery budget for two: $2820

(The above total does not include the stockpile budget of $240 per year or $20 per month.)

  • Total Grocery Budget for the Month: $235.00 or $78.33 week with potentially one no-shop week per month or $58.75 for 4 weeks per month. (During the months with 5 weeks we just make it work)
  • Total Budget for March $235.00-$20.82=$214.18/4=$53.54
  • Total Coupons Used this Week : $6.25
  • Total Coupons Used to date: $33.75
  • Total Discounts this Week: $0
  • Total Discounts Used to date: $5.54
  • Total Gift Cards Used to date: $33.18
  • Total Rewards Points Used: $0
  • Total Rewards Points Used to date: $0
  • Stockpile Budget ($20.00): $20.00-$20.00=$0
  • Stockpile Budget Used to Date: $20.00+$19.08+$17.94+ $2.06+$20.00
  • Total Spent This Week: $101.75
  • Total Spent So Far April: $101.75
  • Total Over/Under spend this shop: $48.21 over
  • Total Over/Under spend for the month: $n/a
  • Total Left to Spend for the Month: $112.43
  • Total to Carry Over Next Month: $n/a
  • Total Spent To Date This Year: (does not include stockpile budget) Jan $242.66+ Feb $191.74+ March $255.82+April $
  • Weekly Overview: We loaded up on eggs, veg, chicken and fish this week and used some coupons that were just about to expire at the end of March. Overall a good shop but that doesn’t leave us much for the month to spend.

 

Coupon Sleuth

 

Did you find any coupons? If so share the details in the comment section of this post where you found it and what the coupon is for with expiry.

coupons April 2014

Frequently Asked Questions

 

 

Read the rules first and if you have any questions email me or comment on this post with your question and someone will answer you as soon as possible.

 

  • 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 fans who post their grocery shop who live all over 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 products?

 

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 affected 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.

 

 

Here are your latest Coupon Match-ups of the week and your weekly Checkout 51 offers from 25 Newspaper Inserts around Canada compliments of Save Big Live Better that you can use to help you save money in the Grocery Game Challenge.

 

  • What is an FPC?

 

An FPC is a free product coupon which means you can get a free product as described on the coupon.

 

 

You can find all your store coupon policies here. If you are not sure it’s always best to call the store and ask.

 

 

I can tell you about grocery shopping and what we do in terms of shopping to save money and how it works for us. There are no wrong or right answers, just smart choices.

Over time you will gradually learn where you should and shouldn’t go in the grocery store or at least how to say no, I’m on a budget I need to buy this or that.

You may also substitute items in order to stick to your grocery budget to make it work. Nobody is perfect, heck we struggle with this part of our budget like many people do.

This is why the grocery game challenge was created to not only show you that we are like everyone else but to bring us all together to work as a team to get our budgets on track.

If you have just joined The Grocery Game Challenge 2014 get ready to dive deep into your grocery budget and learn just where you are spending, how much you are spending and what you are saving.

Feel free to read all the above posts that I linked to above which I feel are relevant to learning about the grocery budget and grocery shopping in general.

You’ve made a wise decision to take control of your grocery budget now show me your shops and let’s get saving!

Welcome to The Grocery Game Challenge Canada 2014!

-Mr.CBB

 

Money-quote

 

Are You New To Canadian Budget Binder?

When you see someone stealing food: The Grocery game challenge #4 Feb 24- Mar 2, 2014

grocery store foodDON’T GET CAUGHT STEALING

 

I hope I don’t ever have to witness someone stealing food at the grocery store but the reality is that theft at the grocery store happens every day.

I don’t have to define stealing to anyone because we learn from a young age that if it doesn’t belong to us we don’t touch it and if you don’t pay for it then it’s not yours, full-stop.

Have you ever walked out of a store and the alarms at the door go off because one of your products has a magnetic strip that wasn’t scanned? Or you did steal something and got caught… oh, now what?

The alarms going off have happened to almost anyone and the first thing we do is shake our heads and say… I don’t know I paid for everything?

We are in a stunned state. I’m to the point where it’s happened so often i just walk back and have them check the products again.

A friend of mine had this belt he wore and it set off the alarms at every shop we went in. He got so embarrassed one day in the mall that he took it off and threw it in the bin lol.

 

Security

 

It’s not easy to watch every single customer at any given time even with cameras located in most stores these days.

There is only so much the human eye can capture and if the security team is watching one person how can they be watching them all?

It also depends on how many people are on staff for a security team but to be honest when someone is hungry they will stop at nothing to get food.

Why do people steal food?

I don’t know every reason why someone would want to steal food because I’ve never been a position where I’ve not had food available to me. The most obvious reason would be that they are hungry.

I’ve touched briefly in another post about supermarket abuse and why people don’t respect stuff when they go into these stores but it goes deeper than that for some when stealing food becomes a way to survive.

A friend of my wife who was a cashier told her a story of a lady who put a roast up her skirt in between her legs and tried to walk out with it.

She was caught stealing the roast as she exited the grocery store and although it’s never a good situation getting caught stealing, people continue to do it.

huggies diapers with coupons

How many times do you see empty chocolate bar wrappers or food items opened and partly consumed sitting on shelves around the store?

Some people even open diaper boxes to steal coupons from the inside of the box. Manufacturers put coupons inside boxes now but that doesn’t stop some people from trying to get at them.

We were speaking to a customer service clerk at a local store the other day and asked why some boxes of diapers were open which we pointed out to her.

She said likely some people try to see if they can get the coupons from inside. It’s a pity we have to go so far to save a dollar these days.

Stealing is stealing whether it’s food, other items or even opening packages to get coupons out from inside. Is it worth risking getting caught? To some people they don’t care.

It’s all about consequences and not getting caught.

How many people drive a car without a licence or insurance?

Do they even know what would happen if they were in an accident or killed someone? Consequences to some people have absolutely no meaning whatsoever until it happens.

When people get into debt and literally don’t have any money to rub together their mind starts thinking survival. Like many they do the right thing and keep a tight hold on any incoming money or even start budgeting, find more work etc.

What are we going to do to either make money or get what we need? That is essentially the goal is it not?

Doing off the wall things like stealing is not something that everyone aims to do when they are short cash but it happens every day no matter how much money they have in the bank.

We hope that people take the opportunity to use the services of local soup kitchens, church offerings and even the food bank if they need it. That’s what these services are designed for.

 

Ashamed

 

The reality is not everyone is prepared to stand in line so everyone can see them asking for help. There is pride that just about everyone carries and it’s not until you get to the breaking point where you give up and don’t care what others think, at least for most people.

You shouldn’t care what other people think because we all have unique situations in life and we have to do what we have to do to survive. There are some people who wouldn’t be caught dead looking like they had no money and were struggling.

Reminds me of the time when someone said, “How can you shop at Value Village?” or “Why do you buy reduced items on the cheap rack when you can afford to buy them fresh?”

I don’t give a rats what anyone thinks but that mentality is out there. I don’t care how much money I have it has nothing to do with why I shop where I shop or why I buy what I buy.

It has to do about the budget and whether it fits with-in our budget. Some people will never understand and that’s fine.

If you have friends like that maybe they aren’t your true friends because they would understand.

 

Why stealing happens

 

Getting back to the point of the post when someone for whatever reason finds themselves in a position to shop-lift they must feel they have exhausted their support, are too ashamed or again, don’t care.

You may have someone with an addiction and they are not in the right frame of mind who wanders into a store and just takes what they want and walks out. Some people have been successful just walking out in plain view with products and no one stops them.

Wal-mart combats theft such as having a door representative at the entrance/exit who checks receipts. It must be worth it to them to hire someone to do this and that’s because the cost of theft is high for these companies.

For some people they do it for the thrill of not getting caught and others they do it to survive. I have a friend who was a manager of the produce department for many years and he says don’t be afraid to ask.

Everyone’s management style is different but he’s had people ask if he had any reduced product in the back or anything he’d be willing to give away for free, and he has. You don’t have to risk stealing food and having the police called.

You risk a fine and potential jail time not to mention the humiliation. It’s important to think before you act when money is tight because there are always people and organizations out there willing to help.

Leave your pride at the door because you know that we all have been there or know someone that has close to us who has been in that position.

If you are stealing food for the thrill of it you should really seek some sort of help and hopefully once you do get caught (and you will) that is available to you. Most people don’t seek help on their own.

 

Someone is stealing food

 

What would I do if I saw someone stealing food in the grocery store?

Wow, that would be tough I wouldn’t know what to do. The right thing would be to alert anyone who works at the shop to let them know.

Stealing is wrong no matter what way you look at it. Some of you might try to offer money to this person or try to talk them out of it but that might not be such a good idea.

You don’t know where their mind is at and if they get violent even if they are seniors, young kids or looks like someone who is harmless don’t risk it.

Stealing is a huge reason why prices in Canada go up because the more money these organizations lose we take the fall. Sure there are other reasons but stealing food or other items from stores doesn’t help.

Have you ever seen someone stealing food? How did you handle it?

Have you been caught stealing or know someone who has been? What lesson did it teach you that you can share with others?

Why do you think people are too shy to use community services for free food and other items?

 

February grocery game challenge posts

 

If you missed any grocery game posts for the month I will post the line-up for the month each week here in this section for you. I will post the February Grocery Game Challenge winner here next week.

 

Grocery saving tips

 

Click, Save and Print. It’s that easy!

Free Money Saving Downloads are awesome lists that were created to get us on track to work towards reaching our budgeting goals and now we are sharing them with you.

I hope you take the time to get back on track and start the saving process in your grocery budget today.

Get organized with a FREE freezer inventory, meal plan, shopping list, price comparison list and much more all for FREE. CLICK HERE to download all the free lists and even our family budget spreadsheet for FREE.

NEW!! You can now download the Canadian Budget Binder Budget Spreadsheet in Excel…… Grab it while you can… It’s FREE! We use it to budget.. check it out!

 

Ultimate grocery shopping guide

 

Everything you want to know about grocery shopping in Canada is below with new information added monthly.

If you missed a Grocery Game Challenge post some of the most popular posts are listed below or you can now find the posts listed on their own page called The Ultimate Grocery Shopping Guide.

If you know a topic that should be discussed send me an email and let me know.

 

Food food and more food

 

shopping-cart

Wal-Mart

  • Cucumber $1.27
  • Spinach x2 $1.27
  • Mushrooms x2 $1.27
  • Potatoes 10lbs $2.47
  • Baby Bok Choy $1.48
  • Radish $1.27
  • Raw almonds $8.45
  • Romain hearts 3 pk $2.00
  • Bananas $2.85 (0.57lb)

Total out-of-pocket $23.60

Shoppers Drug Mart

  • 2 x 4L Milk $3.97

Total out-of-pocket $7.94

Food Basics

  • Cheerios x 2 Sale  $1.44
  • Cherry Tomatoes Sale $1.44
  • Astro Yogurt Sale $1.44
  • Cream Cheese Lactancia Sale $1.44

Total out-of-pocket $7.20

No Frills

  • Hellman’s Mayonnaise PM Freshco $2.99 x 2
  • Basa Fillets Sale 850g bags x2 $4.98
  • 2 lbs Asparagus Sale $1.77lb

Total out-of-pocket $19.48

Metro

4 x Cracker Barrel Cheese -$19.08 Stockpile budget

Total out-of-pocket $19.08

 

stealing food

 

Yearly grocery budget for two: $2820

 

(The above total does not include the stockpile budget of $240 per year or $20 per month.)

  • Total Grocery Budget for the Month: $235.00 or $78.33 week with potentially one no-shop week per month or $58.75 for 4 weeks per month. (During the months with 5 weeks we just make it work)
  • Total Budget for February $235.00-$7.66 overpspend in January =$227.34
  • Total Coupons Used this Week : $0
  • Total Coupons Used to date: $22.25
  • Total Discounts this Week: $0
  • Total Discounts Used to date: $5.54
  • Total Gift Cards Used to date: $33.18
  • Total Rewards Points Used: $0
  • Total Rewards Points Used to date: $0
  • Stockpile Budget ($20.00): $19.08 (cheese)
  • Stockpile Budget Used to Date: $20.00+$19.08
  • Total Spent This Week: $58.22
  • Total Spent So Far February: $7.66 over budget to start month. January+$25.97+$80.04+$19.85+$58.22=$191.74
  • Total Over/Under spend this shop: $0
  • Total Over/Under spend for the month: $35.60 under for the month
  • Total Left to Spend for the Month: $227.34-$25.97-$80.04+$19.85+ $58.22=$191.74 = $35.60 left to spend
  • Total to Carry Over Next Month: $0
  • Total Spent To Date This Year: (does not include stockpile budget) Jan $242.66+ Feb $191.74
  • Weekly Overview: I’m surprised we went under this month but at the same time we have plenty of food to eat up in this house. We haven’t bought much meat lately as we are getting through the freezer first.

 

Canadian Coupons Found

 

Believe it or not we didn’t find any coupons this week unless you count what’s at Coupon Zone but we didn’t use any.

Did you find any coupons? If so share the details in the comment section of this post where you found it and what the coupon is for with expiry.

 

Frequently Asked Questions

 

 

Read the rules first and if you have any questions email me or comment on this post with your question and someone will answer you as soon as possible.

 

  • 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 fans who post their grocery shop who live all over 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 products?

 

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 affected 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.

 

 

Here are your latest Coupon Match-ups of the week and your weekly Checkout 51 offers from 25 Newspaper Inserts around Canada compliments of Save Big Live Better that you can use to help you save money in the Grocery Game Challenge.

 

  • What is an FPC?

 

An FPC is a free product coupon which means you can get a free product as described on the coupon.

 

 

You can find all your store coupon policies here. If you are not sure it’s always best to call the store and ask.

 

 

I can tell you about grocery shopping and what we do in terms of shopping to save money and how it works for us. There are no wrong or right answers, just smart choices.

Over time you will gradually learn where you should and shouldn’t go in the grocery store or at least how to say no, I’m on a budget I need to buy this or that.

You may also substitute items in order to stick to your grocery budget to make it work. Nobody is perfect, heck we struggle with this part of our budget like many people do.

This is why the grocery game challenge was created to not only show you that we are like everyone else but to bring us all together to work as a team to get our budgets on track.

If you have just joined The Grocery Game Challenge 2014 get ready to dive deep into your grocery budget and learn just where you are spending, how much you are spending and what you are saving.

Feel free to read all the above posts that I linked to above which I feel are relevant to learning about the grocery budget and grocery shopping in general.

You’ve made a wise decision to take control of your grocery budget now show me your shops and let’s get saving!

Welcome to The Grocery Game Challenge Canada 2014!

-Mr.CBB

Money-quote

Are You New To Canadian Budget Binder?

How a small town family saves money on groceries

small town grocery bananasSMALL TOWN SAVINGS

 

Today we have a guest post from a small town fan of Canadian Budget Binder who wants to share her insights into grocery shopping on a budget when your options are limited.

If you are a fan or a personal finance blogger and would like to share a story please read my guest post guidelines and contact me.

My name is Christine and I live in a small town in Ontario and have followed Mr CBB for quite a while now on the blog and participating in posting my grocery shops with his Grocery Game Challenge since Sept 2012.

 

Our grocery budget

 

I shop for my family of 4 which includes my two adult children, my husband and I. We also can’t forget our family pet fat cat Stuart who eats up a part of our grocery budget as well.

Our grocery budget is $650 per month so I have to make that money stretch and living in a small town can make that challenging for me.

I have tried very hard to keep things within my budget, not always successfully. It’s been a learning experience to say the least.

If you have been hesitating about posting your grocery shops because you think that you can’t save on groceries, think again. If I can do it …you can too.

 

Small town shopping

 

If you are thinking that the people that post their shops have all these stores to go to to help them save money but you are in a small town and just don’t have access to all those stores…..keep reading.

One of the things I have had to deal with in trying to keep the grocery budget in line is the fact that I live in a small town, roughly 6000 people. We have all of two grocery stores to choose from.

One our our small town gems is a grocery store called Foodland which is part of the Sobey’s chain. Another of the small town grocery stores that we have is a Your Independent Grocer, part of the Loblaw’s chain.

Foodland is right across the street from me so I can walk over and get what I need a great part of my small town life. This cuts down on time and petrol another factor to think about when planning my grocery list.

The Your Independent Grocer is out at the east end of our small town and I need to drive there. My options are limited to these two stores unless I go out of town.

This is not always an option depending on the weather, my husbands health on any given day and a lack of flyers for the out of town stores.

Most of the time I shop at Foodland which is available in most small towns. It’s convenient and believe it or not…cheaper than the Your Independent Grocer store another small town grocery store.

 

Product pricing

 

The fact above underscores one of the biggest issues if you want to save money on your groceries. You need to know your prices.

It doesn’t matter how many stores you go to you still need to know the prices for all those regular items we are always buying.

Because there are only the two options for my groceries I don’t price match in town although I do shop the sales and I coupon.

I use a grocery list every time! If you know the regular prices on those items you buy on a regular basis then you can tell when you look at the flyers if it’s a good sale price or a really good price or even a Good Price!!

Lets look at these items one at a time. Knowing your prices… I plan my stock ups by how good the price is. Foodland has the regular flyer deals but they also have price cuts that last 4-5 weeks at a stretch.

I believe Food Basics is doing this now too. It tends to not be that great a sale but every penny helps. If the price cut is on what is considered a basic item for my family I will try to pick up one or two items on price cut every time I go.

By the end of the price cut time I have a nice amount of product stocked in my pantry that I didn’t have to pay full price for! I do much the same thing for the weekly sales but, usually, on a smaller scale.

 

Coupon clipping

 

I also coupon but not to the extent that some people do but I do use them. I get the inserts that show up in our weekend papers and sometimes even manage to get more than one copy of an insert.

Those are red letter days. I look in the store while I’m shopping for the tear pad coupons too. The best source of coupons is online in my opinion.

Sites like Gocoupons.ca, Save.ca, Websaver.ca are great and they mail those coupons to you. They also have printable coupons. Other sources like Smartsource are printable.

There are also sites like Save Big Live Better, Mrs January and Coupon Christine that post deals and such you can take advantage of, and they post daily.

Lets not forget our own Mr CBB!

I always shop with a grocery list when I shop. There are lists online you can print off like Mr CBB’s Free Money Saving Tools.

I have my own way to list what I need to buy with prices listed right on my list and if I have a coupon to use for the product. Figure out what works best for you and then make sure you use that list.

Hopefully these ideas will help you save money on your groceries.

Posting on Mr CBB’s Grocery Game Challenge helps to see just what it is we are buying. Speaking for myself it does make me stop and think about what I am getting knowing that Mr CBB will see what I am purchasing.

Below is a sample shop from January that I posted in the Grocery Game. As you will see I came so close to making my grocery budget and without posting my shops I might not have been able to track my money so well.

Here we go!!! I made it into No Frills for a shop this week for a quick prowl around, but the rest was at Foodland.

Foodland, Jan 24

  • 2 tomato paste @.89- 1.78
  • 3 cans pasta sauce @1.25- 3.75
  • 3 cans tomato sauce @1.88-5.64
  • 1 bread crumbs- 1.99
  • 1 cider mix- 3.99
  • 1 jug water- 5.49
  • 2 eye of round roasts- 8.68+ 9.21, stockpile
  • Tax- .52
  • Total- $41.05, part was stockpile

 

No Frills, Jan 24

  • 1 yogurt- 5.97, 50% discount- 2.99
  • 1 box Bear Paws- 2.44
  • 3 bags frozen veggies @2.97- 8.91
  • 4 Hot Stuffs @1.00- 4.00
  • 2 4l milk @3.97- 7.94
  • 1 cranberry cocktail- 2.97
  • 1 large Royale TP- 7.97
  • 2 boxes 144 count Tetley tea bags @4.97- 9.94
  • 1 bagels- 1.97
  • 1 pork loin- 5.21
  • 2 packs X-lean ground beef- 9.48+9.92
  • bananas- .96
  • cole slaw- 1.27, 50% discount- .64
  • 3lbs carrots- 1.49
  • 2 Sensodyne toothpaste @3.97- 7.94
  • 2 Dove body wash @4.72- 9.44, $2.00 coupon
  • 1 Vasaline body lotion- 4.97, $2.50 coupon
  • Tax- 3.94
  • Total- $98.60, $4.50 coupons, $3.63 discounts

 

Foodland, Jan 30

  • 2 cans soup @ .79- 1.58
  • bananas- .30
  • 1 onions- 1.99
  • 2 boxes cereal @1.99- 3.98, reduced
  • 1 sweet and sour bbq sauce- 2.79
  • 1 doz eggs- 2.99
  • 1 apple juice- 3.29, 1.00 coupon
  • 1 cider mix- 3.99
  • Tax- .52
  • Total- $20.43, 1.00 coupon

 

  • Total budget for the month- $650.00
    Total coupons this week- $5.50
    Total discounts this week- $3.63
    Total spent this week- $151.99
    Total stockpile this week- $8.09, roast
    Total spent this month- $653.06+ $8.09 stockpile
    Total over/under for week- over $21.99
    Total over/under for month- over $3.06
    Left for month- $0.00
    Total coupons/discounts for month- $44.83
    Total carry over- $3.06
    Total YTD- $653.06, $25.00 stockpile

Final Thoughts on Grocery Shop:

So I finished the month over by a whole $3.06, on a 5 week month!!! So much better than last year!!! Last Jan. I was over by some $200.00!!!!

The roasts were a good deal as was the extra lean ground beef. The ground beef was broken up into a number of smaller meal size packs for the freezer.

The stockpile amount helped a lot. The coupons for NF were what I think as the cashier just rang it in as one big coupon for $4.50. The pork loin was a super good price!! $1.00 lb.

It was dollar days at No Frills. I won’t argue with those prices. I am pleased that this month went as well as it did. The first three weeks were low so that helped with the last two weeks when there was some stocking up done.

I have had to wrap my head around 4 and 5 week months as that was part of what messed with me last year. This time I was more aware. All in all a good start to the new year….

 

Grocery savings

 

We all have ways to save money on groceries and we all have to work with what is available to us, whether it is the amount we can afford to spend or the limitations we have in places to do the actual shopping.

Whats for dinner

Another way to save on your grocery bill is to join us every night for the What’s For Dinner post on Facebook at Canadian Budget Binder. The post runs from 5pm until 10pm 7 days a week.

We post what we are making for dinner that night and we share recipes and general chatter and have a lot of fun. All of us are generous with our recipe collections and if you need ideas on what to make your family we have ideas.

If you are wondering what is coming up on sale at your store, chances are someone can tell you as long as you ask.

If you bought something on sale and are wondering how to cook it, again just ask as we are a diverse group of fans on Canadian Budget Binder from an array of cultures.

We have recipes we can post for you and everyone else to try or you can check out the free recipes Mr.CBB posts from other food bloggers at The Free Recipe Depot on Facebook. Another great free source for recipes to help keep your budget in check.

Come join us in the Grocery Game Challenge!! We don’t judge but are there to help you any way we can. Even better, after you have your groceries, come join us on What’s For Dinner! Trust me…you won’t be sorry…….

I hope that if you live in a small town like I do you don’t let the small shops deter you from saving money in your grocery budget because it is possible, I’m proof of that. Planning is important so if you want to save the savings are there as long as you are willing to put in the effort.

-Christine

 

Money-quote

 

Are You New To Canadian Budget Binder?

 

Related posts:

Do you stockpile food before a snow storm?- The Grocery Game Challenge #1 Feb 3-9, 2014

Snow storm Ontario 2014TIME TO COOK UP A STORM

 

I’ve watched the snow storm reports happening at the storm center broadcast by the weather network all morning today.

Here we go again with another winter snow storm tonight moving in around Southern Ontario into tomorrow.

Another 6 weeks of snow was predicted before the Spring sets in so no putting those shovels away just yet.

I’m betting for most of you who took my winter vehicle maintenance advice seriously you’re glad you did because a weekly snow storm is on the menu this season and lots of it.

Unless you have a large property which we don’t you are probably running out of space to put the snow.

Looking out our backyard our deck is 100% buried and the snow is half way up the fence. I can’t even open the back gate or back screen door to get out back there is that much snow where we live.

I’m not sure where I’m going to put another 15-20 cm from tonight’s snow storm that we are getting tonight and tomorrow but it sure will be an interesting shovel.

These kinds of snow storms that we’ve been getting can cripple some people who simply aren’t ready to trek outdoors to get the supplies they need to survive.

I know I struggle just to walk around the block because some homeowners fail to shovel even the sidewalks according to city bylaws especially after a large snow storm. Imagine trying to push a baby buggy or wheel chair or simply trying to walk to the bus stop in that mess?

I always think of the people first when it comes to shovelling. I want to make sure the path is clear because not everyone has a vehicle they can rely on to get to the grocery store or to run errands let alone go to work.

It’s just another reason we always keep an eye out for our neighbours who tend to be older to see if they need anything or help out with the shovelling when I can.

 

The snow storm

 

Since knowing that the snow storm was on its way we went out yesterday to do our grocery shopping to get it out-of-the-way. We didn’t want to have to go out in the mess that was on its way besides going to work and back if we didn’t need to.

To be honest most people are probably tired of the cold weather and all the storms we’ve had this year coupled with blowing snow and wind.

Storm damage this year has been awful for many people and the car accidents have been plenty because driving in the snow can be challenging for many people who aren’t comfortable in these snowy situations.

For those that love the snow well, it’s been a winter wonderland for all of you. If you are someone who doesn’t drive and have to walk or take the bus or if you drive and winter driving weighs heavily on your nerves the last thing you want to be doing is going grocery shopping every week.

I know that sometimes we tend to stockpile food if we can in the winter so we don’t have such big shops every week. We also like to make sure we stockpile the pantry so we don’t have to worry about going out in a winter storm because we run out of a certain food product that we need for a recipe.

I do try to stop off at the grocery store if I can after work so we aren’t making separate trips back into the city because not only does it take more petrol and time it’s just another trip into the less than ideal weather conditions this time of year.

I know there is a senior on our street who doesn’t drive as soon as it gets dark out or when it is snowing because she is too scared to drive.

Once a week she has a family member come by to bring her to grocery shop and that is when she stocks up on as much as she can just in case there is a time when someone can’t bring her out grocery shopping.

As we age there are many things to think about and getting around town for some may be on the top of the list, especially if you are living alone and maybe don’t have any relatives or many friends in town.

If you have small children the last thing you want to be doing is bundling them up and having to drag them around in a snow storm to pick up groceries more often than you need to. Stockpiling isn’t such a bad idea after all when you think about all the pluses as long as the food gets eaten up and not wasted.

One of the bonuses about these winter snow storms means that we don’t get out doing much in terms of being outdoors so we stay in and learn new recipes. I’m sure Nicola will agree that she tends to cook more homemade meals in the winter time rather than the summer time when she gets out the grill.

If you stockpile food I think it’s a smart idea to think ahead a week for certain products that you might use often enough that you have to get the product weekly. I tend to look at the weather network to track any storms to base my weekly activities around what potentially might happen with mother nature.

If I know a snow storm is coming in I’ll plan my grocery shop accordingly and while planning our grocery shops with the flyer deals we will stockpile what we can so we don’t have to think ahead too much.

Do you stockpile food before a snow storm so you don’t have to go out in the thick of it all?

 

February grocery game challenge posts

 

If you missed any grocery game posts for the month I will post the line-up for the month each week here in this section for you.

Congratulations goes out to Angela Mainse who won our January Grocery Game Challenge as her ballot # 7 was chosen randomly. Well done Angela, contact me to give me your address and I’ll send off an envie full of coupons to you. :)

 

Grocery saving tips

 

Click, Save and Print. It’s that easy!

Free Money Saving Downloads are awesome lists that were created to get us on track to work towards reaching our budgeting goals and now we are sharing them with you.

I hope you take the time to get back on track and start the saving process in your grocery budget today.

Get organized with a FREE freezer inventory, meal plan, shopping list, price comparison list and much more all for FREE. CLICK HERE to download all the free lists and even our family budget spreadsheet for FREE.

NEW!! You can now download the Canadian Budget Binder Budget Spreadsheet in Excel…… Grab it while you can… It’s FREE! We use it to budget.. check it out!

 

Ultimate grocery shopping guide

 

download symbol

 

Everything you want to know about grocery shopping in Canada is below with new information added monthly. If you missed a Grocery Game Challenge post some of the most popular posts are listed below.

If you know a topic that should be discussed, speak up. I want to know. Happy reading.

 

 

Food food and more food

 

shopping-cart

Shoppers Drug Mart

  • 2x 4L Milk $3.97 each

Total out-of-pocket $ 7.94

No Frills

  • 1x 10lb potatoes $1.67
  • 1 x bag of no name peas $1.99
  • 1 x coleslaw $1.27
  • 1x Christie Whole Wheat Premium Plus Crackers $2.92
  • 1x Whole Grains Bread-50% pink sticker $1.24
  • 1x Decafinated Tasters choice coffee Sale $4.97- $1.00 coupon
  • Bananas $1.34
  • 2 x cans of chunk light tuna no name $1.17 ea
  • Roma tomatoes- $1.30

Total out-of-pocket $18.03

grocery game 1 February

Yearly grocery budget for two: $2820

 

(The above total does not include the stockpile budget of $240 per year or $20 per month.)

  • Total Grocery Budget for the Month: $235.00 or $78.33 week with potentially one no-shop week per month or $58.75 for 4 weeks per month. (During the months with 5 weeks we just make it work)
  • Total Budget for February $235.00-$7.66 overpspend in January =$227.34
  • Total Coupons Used this Week : $1
  • Total Coupons Used to date: $16.31
  • Total Discounts this Week: $1.24
  • Total Discounts Used to date: $1.74
  • Total Gift Cards Used to date: $33.18
  • Total Rewards Points Used: $0
  • Total Rewards Points Used to date: $0
  • Stockpile Budget ($20.00): $0
  • Stockpile Budget Used to Date: $20.00
  • Total Spent This Week: $25.97
  • Total Spent So Far February: $7.66 over budget January+$25.97+$
  • Total Over/Under spend this shop: $30.86 UNDER
  • Total Over/Under spend for the month: $0
  • Total Left to Spend for the Month: $227.34-$25.97=$201.37
  • Total to Carry Over Next Month: $
  • Total Spent To Date This Year: Jan $242.66 (does not include stockpile budget)
  • Weekly Overview: We honestly didn’t need too much this week for groceries so we spent the minimum that we needed. I still have to pick up milk so I will add that to the grocery bill above. Off to a blazing start we are in February!

 

Canadian Coupons Found

 

If you want to know the specifics of any of the following coupons as they are hard to read simply email me or leave a comment and I’ll let you know as soon as possible.

Canadian Coupons 2014

 

Frequently Asked Questions

 

 

Read the rules first and if you have any questions email me or comment on this post with your question and someone will answer you as soon as possible.

 

  • 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 fans who post their grocery shop who live all over 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 products?

 

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 affected 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.

 

 

Here are your latest Coupon Match-ups of the week and your weekly Checkout 51 offers from 25 Newspaper Inserts around Canada compliments of Save Big Live Better that you can use to help you save money in the Grocery Game Challenge.

 

  • What is an FPC?

 

An FPC is a free product coupon which means you can get a free product as described on the coupon.

 

 

You can find all your store coupon policies here. If you are not sure it’s always best to call the store and ask.

 

 

I can tell you about grocery shopping and what we do in terms of shopping to save money and how it works for us. There are no wrong or right answers, just smart choices.

Over time you will gradually learn where you should and shouldn’t go in the grocery store or at least how to say no, I’m on a budget I need to buy this or that.

You may also substitute items in order to stick to your grocery budget to make it work. Nobody is perfect, heck we struggle with this part of our budget like many people do.

This is why the grocery game challenge was created to not only show you that we are like everyone else but to bring us all together to work as a team to get our budgets on track.

If you have just joined The Grocery Game Challenge 2014 get ready to dive deep into your grocery budget and learn just where you are spending, how much you are spending and what you are saving.

Feel free to read all the above posts that I linked to above which I feel are relevant to learning about the grocery budget and grocery shopping in general.

You’ve made a wise decision to take control of your grocery budget now show me your shops and let’s get saving!

Welcome to The Grocery Game Challenge Canada 2014!

-Mr.CBB

Money-quote

Are You New To Canadian Budget Binder?

 

Are you supermarket loyal?-The Grocery Game Challenge Jan 20-26, 2014 #4

are you supermarket loyal?SEE YOU NEXT WEEK …INSERT NAME _____.

 

Being supermarket loyal sure does exist. In fact one of my wife’s friends who is single doesn’t even go to the traditional supermarket.

What she does is she goes to a local produce store which also has full section of pre-made meals.

The best part is she can walk to the shops from her apartment which is also a bonus for her.

Transportation reasons is a perfect example why some people may be supermarket loyal simply because it’s easier to shop there than going to another store further away and having to find an alternate means of transportation.

She told my wife she has no need to go to the big box grocery stores when she hardly cooks and the pre-made meals are perfect for her. The store has everything else she needs including milk and conveniently a bakery right next door so being supermarket loyal to her means that she has everything she needs in one spot even if it’s a few shops next to each other.

I’ve come to realize that everyone is unique when it comes to grocery shopping habits based on what their own personal needs are. Not everyone loves to cook nor does everyone care to use coupons or look at weekly sales in the flyers.

What I do know is that people love to remember excellent customer service and for many this is what drives them back as loyal customers wherever they shop for food.

 

Bargain hunters

 

We are loyal to pretty much all of the big box supermarkets in our city and every so often we may drop into the local Asian, Greek and Italian markets. We don’t always buy something but we like to have a look around to see what’s new and compare prices to the bigger shops we go to.

If you are like us you enjoy cruising around town and picking up all the bargains you find in the weekly flyer. You may even go a step further and match those flyer deals with coupons that you either found in-store, ordered online or was given by the manufacturer.

Money savings is very important to us especially when it comes to grocery items so going to more than one shop is what we do every week. The supermarkets we do frequent are all in the area of one another so we aren’t going so far.

With only Wal-Mart and No Frills price matching in our area we don’t always need to go into those shops but do price match when we can. As you will see with this weeks grocery shop for example we spent money at Metro which we find lately we have been going to more often.

The reason is because Metro gets the best vegetables or the A grade products to sell and although they are without a doubt pricier than any of the other supermarkets we go to they are high quality products.

If the Metro flyer has fruits and vegetables on sale for a competitive price in comparison to the other supermarkets we won’t price match we will go right to Metro.

 

In the family

 

I can remember growing up in the 70′s and 80′s going grocery shopping with my parents in our village which only had the one grocery store.

Mind you the next village was just around the corner and much bigger with many more shops that we could have easily gone to but hardly ever did.

In some villages not only would you have a grocer but you would might find the butcher and the bakery etc all on one stretch of road where everyone meets up on the weekends or randomly during the week to pick up some bits and bobs.

You see over the years you come to bond with the employees who work in the grocery store. There wasn’t a time when someone in the grocery store would not stop my parents to greet them by name and vice versa.

Relationships at the grocery store with the people who serve you goes a long way. This is just another reason I always read the employee name tag at the supermarkets we go to so I get to know the staff by name.

I’m not afraid to smile and have a conversation either, nor let them know they are doing a good job.

When you receive service from employees who go above and beyond for you it’s hard to imagine yourself shopping at another grocery store. In fact some people almost feel guilty when they do as if they are betraying the supermarket they frequent on a regular basis.

Some of these smaller grocery stores are independent and run by a family so the money stays in the family. Every dollar counts so making sure they retain their customers is a priority just as important as bringing the freshest quality products into the store.

We might not stick to one store these days but you can bet I do my best to make sure that the people who do serve me on a regular basis know how important their role is and how much I appreciate them.

 

Supermarket loyal because of familiarity

 

Are you stuck in a rut or is it because you are familiar with the store layout and know where everything is. I know many men who would rather go to the same supermarket every week only because they don’t have to think when they go inside.

Most men I know are very much so supermarket loyal and for most its for their own reasons but other reasons are simple enough to factor out.

Let’s be honest and say that most men aren’t big fans of grocery shopping so familiarity makes the experience less painful. I’m sure you’ve seen men in the grocery store who look completely lost but over time once they get used to it they don’t want to go through that same experience all over again if they don’t have to.

I’m sure the same could be said about some women as well who don’t fancy grocery shopping. They’d rather be at the mall shopping for new boots over buying produce to stock the kitchen.

 

January grocery game challenge posts

 

If you missed any grocery game posts for the month I will post the line-up for the month each week here in this section for you.

 

Grocery saving tips

 

Click, Save and Print. It’s that easy!

Free Money Saving Downloads are awesome lists that were created to get us on track to work towards reaching our budgeting goals and now we are sharing them with you.

I hope you take the time to get back on track and start the saving process in your grocery budget today.

Get organized with a freezer inventory, meal plan, shopping list, price comparison list and much more all for FREE.

NEW!! You can now download the Canadian Budget Binder Budget Spreadsheet in Excel…… Grab it while you can… It’s FREE! We use it to budget.. check it out!

 

Ultimate grocery shopping guide

 

download symbol

 

Everything you want to know about grocery shopping in Canada is below with new information added monthly. If you missed a Grocery Game Challenge post some of the most popular posts are listed below. If you know a topic that should be discussed, speak up. I want to know. Happy reading.

 

 

Food food and more food

 

shopping-cart

 Shoppers Drug Mart

  • 2 x Cottage Cheese Sale $1.99

Total out-of-pocket $3.98

Metro

  •  1 x onion soup mix 4 pack Sale $1.49
  • 2 x avocado 5pk Sale $1.99
  • 1 x Romain hearts Sale $1.99
  • 2 X 1LB mushrooms Sale $1.99
  • 2 x grape tomatoes Sale $1.99

Total out-of-pocket $15.42

Food Basics

  • Ground beef $10.00-30%
  • 2 x whole wheat premium plus crackers $2.99
  • 2 x Lactancia 2% milk Sale $3.88
  • 2 x selection light tuna $1.19
  • Baby carrots $2.77
  • Red Peppers $1.88
  • Bananas $1.96
  • Fuji Apples Sale $0.88lb $3.79
  • Granny smith apples $1.63
  • Navel oranges (20) Sale $0.88lb $ 3.92
  • Fresh ginger $1.68

Total out-of-pocket $43.86

 

Yearly grocery budget for two: $2820

 

(The above total does not include the stockpile budget of $240 per year or $20 per month.)

  • Total Grocery Budget for the Month: $235.00 or $78.33 week with potentially one no-shop week per month or $58.75 for 4 weeks per month. (During the months with 5 weeks we just make it work)
  • Total Budget for January $235.00
  • Total Coupons Used this Week : $0
  • Total Coupons Used to date: $15.31
  • Total Discounts this Week: $0
  • Total Discounts Used to date: $0.50
  • Total Gift Cards Used to date: $33.18
  • Total Rewards Points Used: $0
  • Total Rewards Points Used to date: $0
  • Stockpile Budget ($20.00): $15.80 (ham) ($4.20 Chicken Breast)
  • Stockpile Budget Used to Date: $20.00
  • Total Spent This Week: $63.26
  • Total Spent So Far January: $83.97+95.43+63.26=$242.66-$235.00=7.66 over budget
  • Total Over/Under spend this shop: $7.66 over budget
  • Total Over/Under spend for the month: $7.66 over budget
  • Total Left to Spend for the Month: $0
  • Total to Carry Over Next Month: $7.66 overspend
  • Total Spent To Date This Year: Jan $242.66 (does not include stockpile budget)
  • Weekly Overview: Well we went over budget for the month of January but thankfully not by much and next week is a no shop week for us which is fine as we are well stocked up.

 

Canadian Coupons Found

 

Canadian Coupons

Frequently Asked Questions

 

 

Read the rules first and if you have any questions email me or comment on this post with your question and someone will answer you as soon as possible.

 

  • 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 fans who post their grocery shop who live all over 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 products?

 

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 affected 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.

 

 

Here are your latest Coupon Match-ups of the week and your weekly Checkout 51 offers from 25 Newspaper Inserts around Canada compliments of Save Big Live Better that you can use to help you save money in the Grocery Game Challenge.

 

  • What is an FPC?

 

An FPC is a free product coupon which means you can get a free product as described on the coupon.

 

 

You can find all your store coupon policies here. If you are not sure it’s always best to call the store and ask.

 

 

I can tell you about grocery shopping and what we do in terms of shopping to save money and how it works for us. There are no wrong or right answers, just smart choices. Over time you will gradually learn where you should and shouldn’t go in the grocery store or at least how to say no, I’m on a budget I need to buy this or that.

You may also substitute items in order to stick to your budget to make it work. Nobody is perfect, heck we struggle with this t of our budget like many people do and this is why the grocery game challenge was created.

If you have just joined The Grocery Game Challenge 2014 get ready to dive deep into your grocery budget and learn just where you are spending, how much you are spending and what you are saving.

You’ve made a wise decision.

Welcome to The Grocery Game Challenge Canada 2014!

-Mr.CBB

Money-quote

Are You New To Canadian Budget Binder?