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

 

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Black Friday: Not just a one day sale anymore

Sears-Black-FridaySAVE NOW ON BLACK FRIDAY SPECIALS

 

No more crossing the border for Black Friday as the sales are set to begin on our home turf, many starting today or at the stroke of midnight.

If you are not sure what to expect for Black Friday 2013 which falls on Friday, November 29 this year get ready to save some serious cash if you know what you are looking for.

Black Friday is just about here and in some places the lines of people camping out in some cases for days at a time have already begun.

There are lots of great deals to be found on Black Friday, many of which are in limited quantities meaning a lot of people are hoping to get their hands on one and many who have been unable to in the past.

With Black Friday planned around the American Thanksgiving and originally being only an American sale day, Canadian retailers are trying their best to keep Canadians shopping for some exclusive Black Friday deals in Canada.

red-thursday-canadian-tireAs part of an attempt to keep more Canadians shopping at home instead of crossing over the border into the United States, many retailers are now offering, Pre-Black Friday sales.

Canadian Tire is advertising their first Red Thursday this year which some also call Black Thursday.

Though many people will still cross the border for what most would agree are still the better cheaper deals, Canadian retailers are certainly putting in a lot more effort this year with a lot more deals being offered and many having longer store hours.

 

Getting the heads up

 

Many retailers, big and small, send emails to customers who have signed up for their email subscription with the latest offers and promotions. If you have your favourite stores that you visit often going to their website and subscribing to their emails can be of great benefit to you.

With Black Friday coming up various companies offered a sneak preview of their flyer to their email subscribers. These emails regularly often include exclusive coupons and promo codes.

Personalized email offers are also becoming more common among retailers where they will track your purchases by your email address and offer deals exclusively to you based on your past purchases.

I do recommend that if you are going to subscribe to multiple companies that you make a separate email for this purpose as you may find your inbox will fill up quickly with these emails.

I am signed up with many retailers, do I read every single email? No, but if I am planning a shopping trip or need something in particular it is nice to be able to take a quick look at what deals are currently being offered.

 

Price Matching

 

Black-Friday-Canada-2013

Knowing a retailers price matching policy ahead of time and whether it applies to Black Friday will be something good to know. You can find an full list of store policies at Coupon Christine.

Certain stores such as Best Buy have advertised that their price matching policy will be taking a hiatus during their Black Friday sale, allowing no price matching to local competitors for any limited quantity Black Friday deal.

Walmart’s price matching policy hasn’t changed for Black Friday, though you may find some stores at their own discretion may choose not to allow price matching that day so don’t be surprised if you are refused. Having a copy of the policy in your hand though may help your case in getting them on your side.

 

Flyers App

 

In this day and age there is an app for everything it seems, including your weekly flyers. Reebee is a great app that is free to download and it loads current and upcoming flyers to your smart phone or tablet for easy and convenient viewing of multiple flyers available.

You are able to set what city you live in to obtain local flyers and can also change the city if you are shopping out-of-town and hoping to score some good sales.

Not only can this help in finding the best possible deals for Black Friday but can also be used in most stores to price match, given that the store offers price matching.

I often use Reebee to price match, it is a very handy app to have and a great paper saver with all your flyers being right at your fingertips.

A few things to remember when price matching

  • With the rare exception, price matching applies only to local competitors so even if you are using an app such as Reebee, a flyer from a store that is nowhere near the store you are shopping at it will not be accepted so don’t get your hopes up on price matching a sale offered in Toronto if you live in Niagara Falls.
  • Price matching applies only to identical products advertised that are in stock in the store, no substitutions allowed for a similar product. There is the exception with produce (product of USA versus product of Canada) sometimes though I’m sure bananas aren’t a big Black Friday item.
  • Some stores may want to confirm with the store that you are price matching to that they are out of stock, if the store advertising the sale has the item in stock you may be refused the price match as – technically you can just go there and buy it.

Walmart’s one hour in-stock guarantee will have a big part in a lot more people getting their hands on an awesome deal this year.

Creating a positive customer experience is something that is important to all retail stores, an unhappy customer who walks out that door may never come back and who knows how many other people will be told about their negative experience.

Stores want happy customers and we are starting to see more of these efforts applied to Black Friday sales.

 

The early bird gets the worm

 

The majority of stores will open earlier than normal so if you are hoping to score some good deals, shop early, plan ahead and if you are really eager to get a great deal camping out or lining up really early may be an option for you.

If you wait too long you may be out of luck, going into a store even a few hours after opening you risk the chance of the stores being sold out.

 

Resist the impulse buys

 

Black Friday is a great opportunity for retailers to get a lot of foot traffic through their doors and they will try to get you to make impulse purchases while you are in the store.

Sometimes the great deals will be stocked at the back of the store requiring you to walk through the store and past all the other products, sometimes clearance items or items that have not sold as well in the past will be displayed with a significant price drop, resist these items if you are hoping to stick to your budget for that shopping day.

Impulse buying is a great way for them to get you to spend more money than you had originally intended especially on one of the best days of the year to snag a bargain aside from boxing day.

Are you shopping in Canada, crossing the border or just staying home this Black Friday?

Check out the full 2013 Black Friday guide at Bargain Moose Canada for up to the minute flyers and deals… so you don’t miss one!

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The Saturday Weekend Review #35: It was a start the car moment day today

he-Saturday-Weekend-Review-Esnofla-photography.jpg wm

Summer Is Coming To An End

While enjoying the last weeks of summer we decided to head out this morning to garage sales. It was one of those start the car moments at the very first stop and we weren’t the only frugal deal seekers that thought so.  As usual I was the sensible driver and she was the erratic wife, yelling, “stop the car” lol… that’s OK I’m used to it now and on more occasions than one we have found some great deals so I’m not going to complain.

Since it’s the Labour Day long weekend this weekend there weren’t many garage sales in our community so we thought we would go to a couple that were close the house. The very first one we hit at 7am had plenty of cars parked outside and for good reasons; the garage sale prices were amazing.

We actually were fortunate to find a garage sale that had literally shelves of phenomenal books. The owner said that the books belonged to her father-in-law who had since passed away. He was an avid reader and collector of books and they wanted to get rid of them for ONLY $1.00 EACH or MAKE AN OFFER!!! OMG… I think I was looking at books for over an hour as if I was in heaven.

Some of the books I picked up run for hundreds of dollars but if you would have seen what she had you would have been in awe. Everything in this photo she gave me for $3.00.  I KNOW!!! Even if I read the books and re-sell them I know I will make a profit on them so my return on investment for these books will be worth it to me. I wasn’t the only one in awe with the books she was selling. The brand new dish set alone is worth much much more than I paid for it.

One guy says to me, “it’s a start the car moment”. No kidding he had just as big if not bigger pile of books and every few minutes you’d hear a gasp because he simply couldn’t believe they were selling them for so cheap. One guy had his kids with him who were moaning to leave but he kept telling them to relax he must look at all these books.

I mentioned to the seller that if she didn’t sell them all she should consider donating them if she doesn’t worry so much about the money. I’m sure there would be many school libraries that would love to have new books on the shelves for the children to read. She told me this, “if someone can get good use of the items I’d rather sell it to them cheap to get the items out of our house and into theirs”. When I heard her say that I knew that the garage sale she was having today had nothing to do with making money but more about finding a home for items she no longer wants in her own home. It’s great when you come across someone who just wants to give like she did today.

Have you ever had a start the car moment before and saved a tonne of money?

Garage sailing with Mr. CBB

Garage-Sale-Finds-August-2013-Mr.CBB

This weekend you are going to be seeing what I picked up while out at garage sales as Jen is taking a garage sale vacation this weekend before the school year starts for her. A big thanks to Jen for sharing her garage sale finds with us all summer long and we look forward to what you will find to end the garage sale season in the next few weeks.

  • Leonardo Da Vinci  > Amazon (Exquisite, very hard to locate. 1635 Illustrations,35 from the newly discovered MADRID)
  • The Complete Work Of Michelangelo if Collectible $295+
  • Birds Of The Northern Forest
  • To Kill A Mockingbird
  • Company is coming: Casseroles by Jean Pane
  • Mastercraft glue gun and refills both New
  • S. Cleuieut Vintage Hand Painted Dish Set  Made in France New
  • Larousse Encyclopedia of Animal Life Collectible $50 +
  • Bag of Incense and shells

Total $3.00

Gardening and Landscaping

The tomatoes and peppers are chugging along trying to keep up but the weather has had a significant impact on their growth this year. Next year I’ll be making some changes to the garden to clean up, get rid of many plants we don’t need or don’t like and give the existing plants some room to breathe.

I’ll be on vacation soon so I’ll be pulling all the parsley to process and hang to dry and make more basil cubes with what is left outside. Once the summer garden is over I’ll work on Fall gardening and cleaning up the yard so it’s ready for next year.

Blog update

Well, I’ve seen the new website and I can’t wait to show all of you!!! Make sure you are subscribed via email because once I leave free WordPress if you are not subscribed via email you may stop getting my posts in your inbox.

Other posts I wrote this week

You can now follow Canadian Budget Binder via Bloglovin and continue to get my daily posts in this reader.

If you are a regular reader you would have already received these awesome posts in your email or reader but just in case you missed reading one I’ve put them all together here just for you.

PLUS…. check out the NEW FEATURE I’ve added which is my New Free Recipe IndexYou get all the recipes that I have posted here at Canadian Budget Binder in one spot so you don’t have to go looking for them.

Making a difference

Making-Sense-of-Cents

Hello! My name is Michelle and I blog over at Making Sense of Cents. On my blog I talk about everything, but try and relate it back to personal finance in some way. I post about my student loans (which I finally got rid of in July), budgets, travelling and mainly my extra income. 

I started my blog two years ago not even knowing anything about blogging. I then got hooked on blogs that talked about paying off debt fast and making money on the side. Before I started blogging, I didn’t even think about making money on the side. Now my side income far exceeds my income from my day job.

I am now in the process of leaving my day job and turning my freelancing into 100% self employment for myself. I plan on making the self employment switch within the next couple of months and I am very excited for this.

My main goal for right now is to build up my emergency fund so that I can be prepared for freelancing and having a less stable income. I also started a second blog, Diversified Finances, which details my switch and how I’m preparing for it.

I hope that my blog inspires others to work on building their side income. There are many positives of side income including: being able to pay off debt faster, being able to save more, being able to retire earlier, and so on.

Blog share

I really appreciate when other blog owners recognize my hard work at Canadian Budget Binder and share my posts with their fans or even mention my blog on their blog or website. Here are the blogs that did just that this past week, so please head over and check them out. If I’m missing you it’s because I didn’t get a ping back so please send me an email and I’ll add you next Saturday.

What is a blog carnival?

Some fans have asked me just what a blog carnival is so a little explanation is due here for anyone reading for the first time or for my long-time fans. A blog carnival is where a blog or website hosts what we call a carnival of blog posts from around the web.

Most blog carnivals have a theme and certain rules for submitting which must be followed. If you are a blogger and would like to learn what blog carnival directories I submit to each week you can find the information in a previous Saturday Weekend Review post that I wrote.

A big thanks to these pages for accepting my blog posts and sharing them in the following carnivals

Carnival glory

Google search terms

Every week I get thousands of people visit Canadian Budget Binder because they did a search online and found my blog. Here are a few of my favourite searches that may have even brought you here and you’re reading this, right now.

Top Pick of the Week: Karamell Muffins haha enough said!

  • Mr. Sixpet – No idea
  • What to wear to a backyard bbq- umm clothes?  
  • Formula for couple managing finances: 1+1= 2 There is no formula other than working together.
  • Dollar store ones work fine: sure they do… whatever it is you are talking about lol
  • Marrying Illegal immigrant in Canada: Now is that such a good idea?
  • Scams gone wrong: Ya because you want them to go right don’t you.. some people never learn.
  • We renovate for free: I bet you do and when you’re not home we steal everything that’s not nailed to the wall or the floor

That’s all for this week’s edition of The Saturday Weekend Review… join me here again next week when I bring you the best of the best in personal finance.

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The Grocery Game Challenge Dec 3- Dec 9, 2012 Festive Preparation

Barilla Pasta Sale $1.00- $0.50 coupon

Barilla Pasta Sale $1.00- $0.50 coupon

It’s a few weeks before Christmas now and the festive preparation has begun starting with our Holiday Snowballs and tonight Peanut Butter Balls. This is the first post for the December Grocery Game Challenge and I welcome all new fans that are joining in from wherever you are in the world! As I mentioned in my November Budget Update yesterday next year we will be making changes to our Christmas Budget.  Just when we thought we had it sorted out we were thrown another curve ball yesterday. This is where we feel the pressures of the holiday season but should be ready. One of our family members came up with the idea to have a “gag gift” for everyone to open on Christmas Eve. She says the amount to spend is $10 which is fine but we did not budget for this expense. Although it is only $20 total for the both of us it’s more money we need to factor in for next year, just in case. The Christmas season is so unpredictable that we will really take a look at our Christmas Budget to make it as realistic as we can. Any left over money can go towards boxing day sales or into our savings. It’s better to be safe than having to put it on credit if you don’t have to. 

Today I am putting up the Christmas Decorations and I can’t wait to tell you all about it… shhh.. that means a Christmas Blog Post is coming up soon!

So, since we went WAY over budget in November it didn’t leave us much to spend for December.  We have a total of $190 per month to spend and in November we spent a whopping $295.77 mainly due to stockpiling products that were on sale.  I’ll touch more on this topic in the new year and what we will do about our stockpiling budget. I know it sounds like alot of budgeting and it is but it’s worth it. In December we are now left with $84.23 to spend. Here’s to hoping we can pull this off!!!

Do you find you spend more money in your grocery budget in November and December?

Grocery Game Challenge Results

If you missed a couple of great posts that I put on Facebook yesterday about saving money on groceries, check them out below. My friends Kim from Eyes on the Dollar who plays the grocery game challenge and Catherine at Plunged in Debt (who doesn’t but I think we should all motivate here so head to her blog and corner her, lol) posted ways to save on groceries and mentioned our Grocery Game Challenge.  While you are there enter the $100 Give-away!

OK, down to the nitty-gritty!!!

Total to Spend $84.23 for the entire month, oh my!

Shoppers Drug Mart

  • 2x Egg Nog Sale $1.99
  • 4x Neilson Cream Sale $1.99

Total Out of Pocket $11.94

Food Basics

  • 8x Barilla Pasta Sale $1.00- .50 coupons
  • 3x white mushrooms Sale $1.00
  • 1x bag of carrots 3lbs Sale $1.50
  • 1x 5lb Russet Potatoes Sale $1.50

Total Out of Pocket $10.00

Wal-mart

  • 2x Christie Crackers (Christmas) Sale $1.67- $2.00 coupon wub2
  • 6x White Granulated Sugar Bags Sale $1.76
  • 1 bag of Onions- Sale $1.47
  • 5 limes $1.66 or $0.33 each
  • Lettuce Sale $1.00
  • 2x Dempsters Farmhouse Bread $FREE with coupon

Total Out Of Pocket- $16.42

Weekly Grocery Game Challenge Results for Mr. and Mrs. CBB

  • Total Grocery Budget for the Week: $84.23 (For the month of Dec)
  • Total Coupons Used this Week:$8.54
  • Total Scanning Code of Practice: $0
  • Total Spent This Week:$38.36
  • Total Spent So Far for December: $38.36
  • Total Over/Under spend this shop: $N/A this month
  • Total Over/Under spend for the month of December: $N/A this month
  • Total Left to Spend for the Month: $45.87
  • Total Coupons Used This Month : $8.54

Overall: I think we may be pushing our limit this month but with all the food in this house there is no reason we can’t do this. The hard part is if a bloody good deal comes up that we have coupons for.

December Canadian Coupons 2012

December Canadian Coupons 2012

Canadian Coupons we Found while out and about yesterday Dec 3,2012 at Food Basics, Metro and from the Ingredients Magazine that comes in the mail! Click HERE to sign up for your free magazine subscription. It’s an EXCELLENT magazine for recipes and coupons!

Free ingredients mag

Photo Credit: Ingredients Magazine

Our November Grocery Game Challenge Winner is………….. #43 ADELINE!!! Congratulations….

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

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.

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The Grocery Game Challenge October 1-7, 2012-Giving Thanks!

It’s October already can you believe it with Thanksgiving knocking on our door and the scary monsters are anticipating the fun of trick or treating. It’s that time when we give thanks for all the blessings in our life and appreciate this beautiful world we have been given to live in. Take the time to thank those that have helped you in any way even if it is opening a door or making you smile. The power of the spoken word can make someone’s day a little brighter, especially those that don’t hear it often enough.

The Grocery Game Challenge has been going on almost all year now and we are a few short months away from seeing how we made out for the year. Although I suggest checking in every few months to make sure you are on track for the most part if you stick to your budget you should hit the mark.

We are aiming to ramp up our goals for next year and make some new changes with our grocery budget. We hope the changes will allow us to better get a grip on our expenses. I’ve also updated the grocery game template that will help us keep our shops nice and tidy each week and easy to follow on the rules page. I will post it below, as one fan noted they couldn’t copy paste it and that was my fault as I posted it as a photo. You can add in what you like ie: Total SCOP, Total Discounts, etc. It’s up to you but it’s nice to see it all in one spot at the end of each fans shop.

Template: Copy paste this each week.

Name Your Store ie: Zehrs

List what you purchased and coupons used below it with bullet points.
Total Coupons Used: $
Total Out Of Pocket: $
Do the above for each receipt you have.
Weekly Grocery Game Challenge Results
Total Grocery Budget for the Month: $
Total Coupons Used this Week : $
Total Spent This Week:$
Total Spent So Far for September: $
Total Over/Under spend this shop: $ Let us know if it is over or under
Total Over/Under spend for the month of September: $
Total Left to Spend for the Month: $
Total Coupons Used This Month : $
Weekly Overview: Share your overall thoughts on your shop and what improvements you will need to make or any achievements you want to talk about.

We had a slow start to the month as our freezer is filled to the rim but we also had to take the time to go through it all. If you haven’t heard of the Canadian Food Inspection Beef Recall that’s been going on this past few weeks it’s important you do. Apparently there has been E Coli a potentially deadly bacteria found in beef products and they have shut down an Alberta plant XL Foods Manufacturing until further notice. There is a list of stores and a list of recalled products that potentially have the tainted meat and you are urged to read the list and go through your freezer to check the dates. This is another good reason to download my freezer inventory list so you have all this information at your finger tips.

As we know Halloween is creeping up and with that brings Mr.CBB back to the kitchen to whip up some scary sweet treats. Stick around to see what I come up with… subscribe to Canadian Budget Binder so you get all my scary emails this month sent right to your inbox. We enjoy Halloween but are also feeling the spending pressures of the Holiday season approaching so we are focusing on both scary little people, turkey and Christmas shopping. Now is a great time to start your shopping and saving money in your budget.

Christmas is one of the biggest reasons credit card debt grows exponentially simply because there is no planning for heightened expenses over the holidays. This is another reason why Canadians are in debt so we need to have a plan of action in place to stop this cycle of debt.

  • Do you budget for the holidays?
  • What do you do to lessen the expenses?

Finally, This month if I get 5 new grocery game challenger posters join I will draw an extra winner for the month of October. I’d like to see that the people who do post their shops do it because they “want” to save money in the budget and that my prize is just that a perk.

I would like to  see Canadian Budget Binder Fans around the world post their shops….

  1. To save money in the grocery budget.
  2. To hold themselves accountable for their shopping.
  3. To motivate not only themselves but others.
  4. To make like-minded friends who also post their shops.
  5. To understand where their money is going when grocery shopping.
  6. To think of other ways to save money in the budget.
  7. To spend some time in the kitchen exploring new recipes.
  8. To help with meal planning.
  9. To encourage other Canadians to join the Grocery Game Challenge Movement.
  10. To promote saving money wherever possible and make it a life-style change not something you feel you have to do, but something you should do.

What are your reasons for joining the Grocery Game Challenge?

Frequently Asked Question: 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.

What are you waiting for? Join in and Save!

September Grocery Game Challenge Winner is…………… #10 shop belonging to Wingsze Blake. Congratulations WING and Congratulations to all of you who posted your shop, we are all winners… saving money is a big Win! So pat yourselves on the shoulder for investing in your finances and posting your shop. The biggest win of all. 

Coupon Match-Ups

Here are your Coupon Match-ups for the week  October 5-11, 2012 from around Canada compliments of Save Big Live Better. Just one of my favourite Couponing sites for finding the hottest grocery deals in Canada! Check it out!

Wal-Mart

  • 1x bag of carrots Sale $1.00
  • 1x bag of yellow onions Sale $1.00
  • 1x Rutabaga $1.91
  • 2x 1L Neilson Cream Sale $2.00 Each
  • 2x Black Diamond Cheese Bar 500g Sale $3.77-$1.00 coupon wub 2
  • 2x broccoli PM No Frills Sale $0.77
  • 2x Eggs Sale PM Freshco $1.67-$1.00 wub 2
  • 1x Spray Deodorant $3.28 was on sale came up reg price so I had them apply the Scanning Code of Practice (SCOP) so it was – FREE!
  • Total Coupons Used: $2.00
  • Total SCOP: $3.28
  • Total Out Of Pocket: $18.33

Shoppers Drug Mart

  • 2x Royale Bathroom Tissue Double Rolls Sale $3.99-$1.00 go-coupon
  • Total Coupons Used: $2.00
  • Total Out Of Pocket: $7.02

Weekly Grocery Game Challenge Results for Mr. and Mrs. CBB

  • Total Grocery Budget for the Month of October: $190.00 or $63.33 per week for 3 weeks a month with one no-shop week.
  • Total Coupons Used this Week : $4.00
  • Total SCOP this week : $3.28
  • Total Spent This Week:$25.35
  • Total Spent So Far for October: $25.35
  • Total Over/Under spend this shop: $37.98
  • Total Over/Under spend for October: $37.98
  • Total Left to Spend for October: $164.65
  • Total Coupons Used In October : $4.00

Weekly Overview: We didn’t need too much this week so we have used up some of what we have in the house instead of piling on more. We’re hoping to set some new goals next year where if we overspend one month we make it up the next. I got this idea by another Grocery Game Poster, Mary who does this and it makes sense. If we have a yearly goal of $190 x 12= $2280 for example we need to stick to it even if that means we cut back the next month if we went over budget. The money has to come from somewhere so if it’s not budgeted in you need to make up for it. Don’t forget when making your grocery budget for all the birthday parties you might have to plan, holiday dinners etc. It’s better to estimate something than nothing at all. If you don’t use it then that’s extra money in your pocket. Smart! Thanks Mary.

Finally, I want to Thank everyone who has participated, mentioned, tweeted whatever you have done to get the word out about Canadian Budget Binder and  The Grocery Game Challenge. It’s because of all of your support I continue to turn on my computer and log in to this blog and to my social media outlets each and every day, so Thank-You. Happy Thanksgiving to All my Fans! -

XoXo Mr.CBB

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