grocery game monthly challenge

Do you only buy groceries on sale? : The Grocery game challenge #2 June 9-15, 2014

Grocery Game Challenge On sale June 2014

WHAT’S IN YOUR BASKET?   Buying groceries on sale is a great way to save money in the budget but being selective about what you buy is also important. Not everyone has the same lifestyle so they will purchase different types of food for their diet. What we typically do is go through the grocery flyers to see what products are on sale and base our meal plan around those items. Those items are typically basic essential items and we also like to make sure our pantry is stocked to build a complete meal. If we can make our own homemade pasta sauce, soup and salads we will opt to do that over buying it pre-made. These are simple recipes that don’t take much time and are from what I calculated cheaper to make even when pre-made is on sale. I remember years ago we used to stock up on items with coupons such as those Stouffer’s pizza pocket thingys because they were cheap but looking back, what a waste of money. It didn’t matter that we only spent $0.50 on them I could have made them for less and they would have tasted better.  In a way we got […]

How we became mortgage free in five years

mortgage free seagull in blue sky

THE SECRET IS…THERE IS NO SECRET!   Becoming mortgage free is not an easy task so I won’t make it out to be something that it’s not. In fact many things have led to us becoming mortgage free in 5 years which I want to discuss with you today since many of you have emailed me. Ever since I blogged about wanting to pay off the mortgage early I’ve had fans email me wanting to know if there were any secrets. I thought I’d wait until we actually became mortgage free to fill you in just how we did it. No, we didn’t win the lottery or get money from family or friends we earned every last bit of it. If you read our net worth update for April last week you already know that we were excited to tell everyone that we were finally saying good-bye to the mortgage payment. I promised you I’d let you know what we did and what problems we met along the way. I thought the best way would be to get my good friend Michael Anthony Lloyd a mortgage expert who blogs at www.homehappy.ca and has blogged here before to share a bit […]

grocery game monthly challenge

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

grocery price savings penn

DEAL 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 […]

grocery game monthly challenge

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

grocery store food

DON’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 […]

How a small town family saves money on groceries

Whats for dinner

SMALL 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 […]

grocery game monthly challenge

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

Snow storm Ontario 2014

TIME 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 […]

grocery game monthly challenge

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

Canadian Coupons

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 […]

Life Events: Preparing your baby budget

pregnant-woman-heart-shape-symbol-belly

BUDGETING FOR YOUR NEW BABY   First time parents are not going to be shocked to learn that bringing their baby into this world is going to cost them some money. Think of everything that you use to care for yourself in a day, then keep adding to that list diapers, formula and so on.  Having worked these costs into your budget and possibly adding some new categories to your baby budget such as baby categories will help to ease some of the stress of just how much of money you will spend. If you don’t have a budget you can download Mr.CBB’s free excel budget spreadsheet which has a sheet for every month of the year and you can customize categories as you need. As a mom of two children I can safely say that I’ve learned what I need to buy and what I don’t need to buy over the years but the final call is up to you. Being informed is the first step in preparing for the arrival of your baby. How to save money when having a baby? That’s a good question because the expenses of having a baby can grow exponentially if you aren’t […]