Unexpected expenses and savings: Our Budget March 2014

bust-our-budget-budget-updateSAVINGS ARE IMPORTANT

 

We’ve talked about having emergency savings and the budget over the years here at Canadian Budget Binder and for good reason. You need savings for unexpected expenses that pop up.

Savings whether a small amount or a larger amount are important not only to keep stress levels down but also so you aren’t creating debt.

Debt is created because one doesn’t have the cash to pay for a service or product that they need.

Just this month as you will read down a bit further we have purchased a product for our home and required emergency services which were paid from our projected expenses account.

The reality is that things happen whether it’s this year or the next and being prepared for expenses with some savings in the bank is much better than creating debt. Some people as I wrote about the other day don’t mind carrying debt as they see it as a number on a piece of paper and others like us despise it.

I don’t mean mortgages, student loans and car payments because the majority of people do carry debt to pay off some of the largest debts most people will ever have.

I’m talking about all the little things that we should be saving up for before putting them on credit, especially if it’s an emergency. You never know what will pop up so it’s better to be prepared by saving even a few dollars a week or month than nothing at all.

Have you had an emergency come up where you had to put the expense on credit?

 

Where the money went

 

We got out and about a bit this month with a trip to the Home Show at the Direct Energy Center in Toronto. The excursion was mainly to research some house upgrades and get some ideas for renovations and the kinds of new products out there. Tickets for the Home Show were free from a friend but we had to pay for parking although that’s nothing new in Toronto.

The wife splurged and it’s unusual for her to do so, on a brand new hair styling kit for half price but the results were phenomenal. I do have to mention that my wife doesn’t go to the hair salon and gets the odd trim a couple of times per year.

We also bought a much-needed Central Vacuum system of which I will install myself once we receive the shipment. The deposit has been paid but the full amount will probably come out next month. We negotiated a great deal on the system and I’ll likely write a review on the product including how the installation went.

I have started attacking projects around the house that need completing. This has increased our home maintenance category for this month although I haven’t managed to venture outside yet and see what projects there are in the yard as it’s far too soggy at the minute. I have set goals for the month of April to include all of my outdoor maintenance.

 

Unexpected expenses

 

The furnace decided to go wrong overnight during the month and we woke up to a rather cold house. Luckily enough for us the service call only lasted the one hour and the problem was fixed with no parts. There’s another reason that our projected expenses account works as we instantly had the money available to pay for these expenses.

Our clothing budget took a hit too, mainly due to our foot wear purchase because of leaking soles. I definitely got my investment out my last couple of pairs of shoes but now the weather is getting warmer and wetter I thought it would be best to invest in some new ones.

We both picked out 2 new pairs of shoes and managed to get a 30% discount on top which was great. I bought a new pair of casual shoes to wear when I go out or dress up and a pair of walking shoes. The wife bought a pair of walking shoes and dress shoes as well.

We have also been a little under the weather lately which is not like us at all, not sure if it’s a seasonal thing that everyone else has got? You will see our Healthcare/Prescriptions a little higher than normal because of it although a percentage is covered by our benefits company.

Other than that I’m still working my two jobs for the moment although the new job is seasonal and will resume in September.

How did you make out with your budget for the month of March?

 

Get your free budget

 

I’m currently offering 2 versions of our budget and the reason behind it is simple. Firstly, read the disclaimer because what you do with it is your own business so if you mess it up you need to sort that out.

I have not closed off any cells so you can make all the changes you like to the budget to reflect your lifestyle which is what the fans wanted.

Although I would love to help every single fan with their budget I am unable to do so but I am always willing to answer any emails you send me so don’t be shy.

This was after all meant to be our personal budget and although I would love to customize it for every fan that wants to use it but, I’m afraid I cannot.

I’m not selling this budget or hope to make any money from it so enjoy this free budget and I hope that it works for you as much as it does for us.

 

Canadian Budget Binder Budget Spreadsheet

 

Canadian Budget Binder Spreadsheet Screen shot

You can download the free budget spreadsheets here.

  • Budget 1- You can use the pre-existing categories or you can use your own if you wish and you have the option to use projected expenses or not. Please read all notes left around the budget for tips.
  • Budget 2-Everything is pre-set so you have to use the pre-defined categories but this budget will generate year-end budget figures where the other one won’t but you must use the categories already in this budget. If you change anything you will mess up the formulas and year-end figures. Please read all notes left around the budget for tips.

I’m always open to feedback but be polite as you don’t want to hurt my feelings :) Get started and don’t procrastinate. Test it out for a month and see how it goes. There is never any harm in trying something new in life.

You either love it or hate it, that is a fact with anything.

What type of budget do you use?

 

Our budget plan

 

How we budget our monthly expenses I often have fans ask me how to budget money and what we do in order to save so much money but the reply is that it’s not about the money it’s about the process involved.

We don’t always save as much money as we would like every month but most importantly we are not going into debt because we are budgeting our money.

One of the most important things we did for our personal finances was that we never let the budget deter us from reaching our goals.

Sure we’ve had crap months but we made up for it or we learned from our mistakes just like anyone else would. Budget failure only occurs when you give up on the budget which should not happen as long as you give 100% into making sure you reach your goals. Sometimes fans email and ask me if living on a budget in Canada is any different from living in other countries.

To be honest I’m going to say, probably not. If I still lived in the UK I could use this exact budget to meet all of my needs. Below are links to the budgeting series which I wrote while designing our spreadsheet. I’m not a financial planner/advisor so I can’t tell you how you should budget but I can show you how we budget our numbers.

I’m just a regular guy just like everyone else; some might call me a budget or numbers nerd. Please take the time to read through the budgeting series and I hope you take something away from the information.

  1. How We Designed Our Budget Step 1- Gathering All the information
  2. How We Designed Our Budget Step 2Categories
  3. How We Designed Our Budget Step 3Tracking Receipts
  4. How We Designed Our Budget Step 4- Note-taking
  5. How We Designed Our Budget Step 55S Organization
  6. How We Designed Our Budget Step 6Who Does What and When?
  7. How We Designed Our Budget Step 7Balancing Our Budget
  8. How We Designed Our Budget Step 8Knowing our Coupon Savings
  9. How We Designed Our Budget Step 9Reading Our Bills
  10. How We Designed Our Budget Step 10- Projected Expenses

 

Budget changes

 

There were no budget changes for the month of March.

 

Budget percentages March

 

March 2014 Household Budget Percentages

 

Our savings of 12.29% includes savings and investments. Our projected expenses this month is at 26.57% which now includes some increases due to overspends explained in the 2013 year in review. The total March 2014 Household Budget Percentages comes to 100%.

 

Budget percentages month by month

 

Year to Date Percentages

 

Expenses breakdown

 

This is simply a breakdown of our expenses which has helped us to understand where all of our money goes. I appreciate that you enjoy this budget update each month but I do hope you view this as an educational tool rather than comparing your own financial numbers as we are all unique.

Sometimes we wish we had more money to budget with but understand that we only have what we earn and if we want more, we need to earn more. Spending less than we earn and budgeting our money has been the easiest way for us to pay down debt and save money.

  1. Chequing- This is the bank account where all of our debt gets paid from.
  2. Emergency Savings Account- This is a high-interest savings account.
  3. Regular Savings Account- This is a savings account that holds our projected expenses.
  4. Monthly Budget Total: $5352.51
  5. Monthly Net Income Total$7004.11
  6. Total Coupons Used: includes every discount attained during the month = $0
  7. Projected Expenses: These are expenses we know we will pay for throughout the year = $1860.68
  8. Total Expenses Actually Paid Out$5091.05
  9. Total Expenses Actually Paid Out: Calculated is $7004.11 (total net monthly income) – ($52.38 (cash savings) + $1860.68 (projected expenses)) = $5091.05
  10. Actual Cash Savings Going Into Emergency Savings: Calculated is $7004.11 (total monthly net income) – $5091.05 (actual expenses paid out for the month) + $1860.68 (projected expenses) = $52.38

 

Saving money

 

What are Projected Expenses? - We project expenses throughout the year so we have the money saved. PE= A projected expense is money which is automatically saved each month so it is ready when the bill comes in or when you need it as in the example below.

We review our projected expenses at the beginning of the year to set up our yearly budget and adjust as we go along if a new projected expense arises and needs to be added to the budget. Sometimes we remove a projected expense as well so it’s very important to keep an eye on your expenses.

This has happened on many occasions but it’s bound to happen as we can’t predict everything we have to pay for over the course of the year. The important part for us is that we are saving for these expenses and we no longer have to stress about taking money from our savings to pay for them. To learn more about projected expenses read Step 10 in my budgeting series.

When we spend the money in a projected expense category we move that money to our chequing account in order to pay for that incoming expense.

We pay money into the projected expenses account continually throughout the year even when bills come due as it’s revolving so as one bill gets paid the money continues to come in from the other categories all year-long. So the $1860.68 gets paid into the projected expense account every month no matter what. It seems to be easier to track our money this way but you can do what works best for you.

 

Projected expense example

 

If for example our clothing category was a projected expense we have a budget of $50 per month for the two of us. If we spend $30 on clothes for the month that means we need to pull $30 from the projected expenses account to pay for this expense or we move only $20 to projected expenses for the month and leave the $30 in your chequing account.

It’s up to you how you do it as I mentioned above. I’m hoping to put together a projected expenses spreadsheet to track the expenses all year-long otherwise you need to do that to make sure you don’t overspend what you haven’t saved or will save over the course of the year.

It’s a fairly easy process and becomes a lifestyle change for your finances but the most important part is that the money is available and saved, which means potentially less stress.

This means we should have $600.00 per year for clothing to spend. We have to track that expense as we spend it manually but hopefully for our 2014 budget I can incorporate that into our spreadsheet so it tallies the numbers up as we go along. That way we will be able to know exactly what we’ve spent as an ongoing total.

 

Our numbers

 

Below you will see two tables one is our budget and the other is our actual budget for the month of March. This budget represents 2 adults and no children and includes all of our investments.

 

Budget for March 2014

 

March 2014 Budgeted Expenses

If it is highlighted in blue that means it is a projected expense of ours. You will also see our budget does not include the emergency savings as this is factored in at the end.

 

Actual budget expenses for March 2014

 

March 2014 Actual Expenses

You will notice we didn’t put the amount going to emergency savings as we have in the past into the actual budget which was a total of $52.38.

 

March 2014 goals

 

Sometimes I think I am being too optimistic about by numbers but if I don’t reach them I try harder the next month. Stay positive and that’s all you can do apart from bringing the best you can for your readers.

  • Start garden seedlings- Pass
  • Complete projected expenses tracking sheet for budget-Fail
  • Reach 2600 Twitter Followers-Pass
  • Reach 6260 Facebook Followers-Pass
  • Reach 1620 Pinterest Followers-Pass 1718
  • Reach 1225 Blog Followers- Pass
  • Read a chapter in my personal finance blog-Fail
  • Help a new blogger with a task or question-Fail
  • Get moving with renovations when I can find time-Pass
  • Start Spring cleaning-Pass
  • Update budget spreadsheets on blog-Pass
  • Connect with a new blogger-Pass
  • Reach 1500 Followers Facebook for The Free Recipe Depot-Pass

 

April 2014 Goals

 

  • Get the backyard cleaned up
  • Finish front yard reno with a few plants, rocks
  • Swap out winter tires
  • Hang two flat screens in spare bedrooms
  • Complete projected expenses tracking sheet for budget
  • Reach 2700 Twitter Followers
  • Reach 6265 Facebook Followers
  • Reach 1750 Pinterest Followers
  • Reach 1230 Blog Followers
  • Read a chapter in my personal finance blog
  • Help a new blogger with a task or question
  • Get moving with renovations when I can find time
  • Continue Spring cleaning
  • Connect with a new blogger
  • Reach 1550 Followers Facebook for The Free Recipe Depot

 

Budget updates month by month

 

In case you missed our budget updates from the start of the year I will list them all here each month.

That’s all for this month check back at the beginning of May 2014 to review our April 2014 budget to see how we made out with our numbers and if any changes were made.

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The power of plastic points

credit-cards-in-wallet

If you’re like most people, you probably have a wallet full of colourful plastic cards that are taking up space and making it harder and harder for you to close the clasp!

If you look through them, you’ll likely discover that while some of these cards are useful credit and debit cards than a few are loyalty cards you just never use.

It’s understandable how anyone can end up with such a collection. Practically every retailer offers a loyalty point scheme. At the time, it can be hard to think of a good reason to refuse and with a little effort, the points we collect with plastic can be worth it … as the following tips show.

 

Be selective

 

Before saying yes to every loyalty point card which is put under your nose, think about how often you shop in a particular store. Is it really worth the effort of filling out the application form?

Think about where you would shop regularly even if you weren’t part of a loyalty scheme. Once you’ve identified these stores then take advantage of the schemes that they offer.

On the other hand, if you only shop somewhere once in a while then do yourself a favour and refuse a card. Owning it may make you more inclined to shop there, increasing your overall spend.

 

Pick credit cards carefully

 

Loyalty cards aren’t the only ones which offer points schemes. Many credit cards reward customers with attractive points which can be redeemed for a range of goods and services.

For Canadians, this is a huge attraction when selecting a credit card. According to a survey by American Express Canada, 89% of Canadians carry at least one credit card in their wallet with more than half (52%) carrying more than one. Of those who own credit cards, 68% claim rewards programs are important.

An Amex Credit Card is an example of a card which pays customers in points for spending. Again, take advantage of this type of scheme for planned or routine purchases like a new set of furniture or Christmas shopping.

It also makes sense to use a credit card for travel-related purchases such as flights and hotels. The accrued points can be used for future vacation expenses.

 

Control spending

 

A word of warning – when you know that every time you spend you are ‘earning’ money, there is the danger of developing a habit of spending more than you normally would.

In order to make a points system on a credit card or retail loyalty card really work for you, stick to what you buy routinely. Once you’ve gathered a useable number of points, decided carefully how to spend it so your efforts are not wasted.

 

Track your history

 

The best tips concerning card management involve looking at your past behaviour to identify patterns and understand your habits. By tracking your history you can not only establish what sort of cards attract the most of your attention but also how much they’re saving – or costing –  you overall.

To track your history you need to record each use of your card and how much it saves or what reward it offers. Compare this against the amount you spent at the time and work how much better off you are through your use of cards. If you find you don’t use them enough to warrant having them then clear some space in your wallet or purse by getting rid.

Understand all the rules

Loyalty cards generally fall into specific categories, offering set rewards for continued spending over a long period time. However, not all loyalty systems operate in exactly the same way so it’s important you understand all the rules for the different cards in your possession.

This means looking into when you can use them and what rewards you may be eligible to claim. Check to see whether the provider of your loyalty card is associated with any other brands or companies as sometimes you may be able to get rewards or benefits from these places too.

To make the most of your must first understand them so ensure you read all of the terms and conditions in full before making any agreements. This is a tip which you should apply to all other types of card – including your credit card.

 

Earn cash back

 

Generally applied to credit cards, cash back is an option which many loyal spenders forget to take advantage of and is therefore something you should look out for. Cash back essentially offers you a small return on your purchases. This may be for a set amount but is more typically represented as a small percentage of the amount you spend.

Depending on the type of card you have, cash back may be available on all purchases you make or only at items which you buy from specific retailers. The important thing here is to know where you get cash back and make the most of it. Don’t go out of your way to buy items in the appropriate places but if you’re shopping there anyway then consider using your card to benefit from the reward.

If you have enough money to pay for these items via other means (such as a debit card or even cash) then you can always use this to pay off your credit card balance straight away so that you aren’t left to deal with the bill later on down the line.

 

Know when to use cards and when not to

 

The most important financial lesson to learn when dealing with cards is to know when to use and when not to use them. At present, a campaign is running in Canada to encourage shoppers to leave the plastic at home one day a week with the Canadian Federation of Independent Businesses calling for ‘Credit Free Fridays’.

The main reason behind this is the preservation of businesses (as credit card purchases force retailers to hand over a share of the purchase price to credit card companies) but there are some interesting points to take on board from this incentive.

The main idea is that not every situation is the right time to use a card – whether it be a debit card linked to a bank account, a credit card or even a loyalty card. To ensure that your finances are not adversely affected you need to understand when to use these cards and when to leave them be. Once you’ve mastered this you’ll find it much easier to stay on top of your finances and reap the rewards due to you.

 

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Costs Of Owning A Pet…Can You Really Afford One?

Owning a pet can cost money and I’m not talking chump change neither. There are significant start-up and ongoing costs that should be factored in to your decision to be a pet owner. So often I see people who get googly-eyed over a small kitten or a small fluffy dog and jump right in and adopt one or take one on for free. Impulse purchases are the worst and are often the expenses that will cost you most out-of-pocket. Dogs depending on size can live 8-14 years and the costs of owning a dog can mount up according to Dr. John Williams at petplace.com.

Dr. Williams goes on to say

Small to Med dogs

  • Estimated lifespan 14 years
  • Start Up costs $740-$1325 (first year)
  • Annual Costs $500-$875
  • Lifetime Costs $7240- $12,700

Large Dogs

  • Estimated lifespan 8 years
  • Start Up Costs  $1020-$1825 (first year)
  • Annual Costs $690-$875
  • Lifetime Cost $5850-$7950

There are reasons people offer their pets for free, mainly costs they never considered but other reasons such as allergies, not getting on with other pets or family members, scratching, illness (which they may not even tell you about) and the list goes on.

A great example and I’m always going back to our mate (good thing she doesn’t read this blog) who is struggling to pay her bills and keep a roof over her head due to a large debt load. We bumped into her last week and as we were catching up about what’s been happening in our lives she goes on to say she took on a baby dog. Don’t ask me what breed the dog is as I was more in awe about why on earth she would commit to a owning a dog. Her fiancée who has kids wanted this dog to love and to take care of she tells us. They live in an already busy apartment with no space that is practically falling down around them. They can’t save money, they are in debt, hardly able to buy groceries and they bought a dog. Are you shaking your head yet? If not, now’s a good time.

I’m not saying that people who are in debt aren’t able to care for a pet as that is not the case. The problem is when your budget is already stretched to cover the roof over your head and food on the table it’s not likely you can handle ongoing costs of the pet which can add up especially if your pet gets ill. As a dog owner since his birth our pet gets all the love and attention he needs and is well taken care of with a staggering 3 walks per day. He’s a lucky boy! He is part of our family and we know we will be devasted when he is no longer with us. They sort of grow on you and you treat them as part of the clan.

Another example is our neighbours who have a dog and seriously are that lazy to walk the dog around the block to do his business. They literally walk the dog out the front door and tell him to hurry and do his business on the front lawn and then cleans it up. The dog is a young, vibrant dog that always wants to play with our dog when we walk by, but that would never happen. Although not everyone may not be able to walk a dog due to illness or disability a back yard where the dog can run free is always good or simply paying someone to walk the dog daily is also a good idea.  There are many benefits to adopting a pet and for some a companion or someone just to be at the front door when they come home from work is all they need.

One of the young girls in our neighbourhood put up a sign on the mailbox looking for work walking dogs. I thought, brilliant a young entrepreneur at her finest starting at the age of 7. She also delivers flyers on a weekly basis as is never late. You can tell this child is in it for the money and is grasping what responsibility and saving money is all about. She told me the other day when I asked her what she does with all her paper route money and she responded that she is saving it for her future. Sounds to me like her parents have taught her about finance from a young age.

We’ve been lucky with our dog as he has given us no problems over the years and has always had good check-ups at the veterinarian every year. Sure a pet costs money but if you can’t invest the time, money and love a pet needs… don’t bother getting one. You may just end up frustrated and it’s not the pets fault who simply wants to be in a loving home where he/she is safe.

Costs Associated with owning a pet can vary depending on the kind of pet you have such as ferret, snakes, rabbit, fish, guinea pigs, dogs and cats. For the most part costs are inevitable and should be included in the budget in projected expenses if something should happen. There’s nothing worse than having no money to pay for your pet’s illness or emergency operation.

Ways We Have Saved Money With Our Pet

Our pet can run us around $800-1000 a year factoring in expenses and potential emergency expenses so we need to make sure that we set this money aside. We have been fortunate to have used pet coupons for treats and pet food the past year which greatly reduced costs with our pet. Since we are now paying for food and treats we have had to make changes to our budget. We now save $83.33 a month for the dog. Some people include pet in their grocery budget but we are not sure if we can do that yet. We may give it a try once we see where our new budget takes us as we are already pushing the envelope with our grocery shops as it is. If we don’t use all the pet savings at least we know the money will be there. We pick up pet toys for free at garage sales as well as other items like a dog bowl etc. Sometimes when pet owners have a pet who passes away they often donate or give away their pets belongings.

Can You Afford To Own A Pet?

Below is what we typically would pay for or save for each year to own our pet. Everyone may have different needs for their pet but the bottom line is, pets are not free or cheap to own especially if they get ill or have a disease. I know cleaning our dogs teeth ran us around $700.00. So think about what responsibilities you are taking on and whether you are able to take care of ongoing costs associated with being a responsible pet owner. Love sometimes is just not enough.

Typical Costs Associated With Owning A Dog

  • One time fee -Adoption Costs can vary depending on breed (unless you get your pet for free)
  • Food-Monthly We feed our pet dry food from the local shops. Speciality, diet or adult food can run you more money especially if it’s vet food.
  • Dog Treats/Dog Cookies- Monthly and these can get costly depending on what you buy.
  • Toys – Typically we get them free but they can be costly
  • Poop Bags- Monthly
  • Poop Bin- Buy when needed.. ie: wear and tear, goes missing (we’ve lost ours in rain storms, wind)
  • Accessories ie: water bowls, booties, jackets,walking lead, dog/cat bed,blankets, cushions, scratching posts
  • Annual Licence
  • Pet Insurance
  • Medical Costs- including dental work and for any other illness, medications
  • Crate for travelling- one time cost
  • Dog Bed- One time cost
  • Dog Pillow- We buy this once per year. Just like we need a new mattress or pillow so will your pet.
  • Travel Bag- One time fee to carry items when travelling
  • Dog Training – Our dog went through training in the early years
  • Spay/Neutering- One time fee
  • Micro-Chip- Our dog is micro-chipped -a one time fee
  • Blood Tests- When needed by Vet
  • Vaccinations- Heart worm, Flea and Tick Control- We do this every year
  • Pet Sitting- If you are going on vacation this can run you about $25- $50 or more depending on if your pooch is dropped off at the Posh Pet Hotel or a friend’s house.
  • Grooming Costs (our neighbour has the travelling spa come to his house)
  • Dog House- Our dog stays indoors

How much does it cost you to own your pet annually?

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The Grocery Game Challenge Aug 27-Sept 2~Tomato Heaven!

The Grocery Game Challenge for August is now in the home stretch as we face the last week of  the challenge for this month. We went over budget this month as expected due to feeding 4 mouths for the month of August as well as purchasing some bulk items such as jugs of Extra Virgin Olive Oil that cost us just over $60. Starting this week we were already $32.64 over our monthly grocery budget for 2 of $190. I guess feeding 4 people cost us a bit more but it wasn’t as bad as we thought. Once you take away the oil we bought it’s not all that bad I suppose.

With Canadian food prices expected to rise by end of year up 2.5-3.0% due to the US drought many are wondering how bad it will get. That means we will see our grocery budget rise so keep that in mind when designing your grocery budget. If you don’t have the extra cash you will have to find ways to cut your grocery budget so you aren’t spending more than you have. It gets even worse for 2013 with an expected food price hike of 3-4 % according to RBC economist Paul Ferley. It might be a good time to see what products containing corn you will be able to stockpile or that have a long expiry date.

We are also now finally seeing all our hard work in the garden as it is now all ready to eat. Of course we went out and bought tomatoes and they decided to turn red the next day, oh well. We already have around 20 tomatoes in our kitchen ready to eat along with the bunch we bought. Needless to say Mr.CBB’s Tomato Salad will be on the menu all week-long. Our green peppers are ready to go as well which only means it’s time to make Mr. CBB’s Stuffed Green Peppers on mash again. If you haven’t tried that recipe give it a go. It’s so full of flavour especially with the mash and tomato sauce.

Here are your weekly coupon match-ups Aug 24-30 2012  from Save Big Live Better. Big Thanks to Julia for doing this each week!

Well here is our last week of shopping and results for the month of August.

Food Basics

  • 3x bottle of Coke – FPC= FREE
  • 3x Old El Paso with $4 meat coupon FPC= FREE
  • 1x BOGO (buy one get one free)  egg Creations- $1.99
  • 2x White Mushrooms Sale $1.00
  • 4x limes 4/$1.00
  • Fresh Peaches $1.33
  • Tortellini $1.79
  • water chestnuts sliced $0.79

Total Coupons Used $17.83

Total Out of Pocket $8.90

No Frills

  • 1x Old Cheddar Armstrong Sale $4.27
  • 8x Mr.Noodle (for our guest)
  • Sesame seeds $1.49
  • 6x Unico tomato Paste Sale $0.44 each
  • 1x Bologna (for our guest) Sale $1.29
  • Banana $1.32
  • Green Beans fresh Sale $1.30
  • Bok Choy Sale $0.69
  • Broccoli Sale $0.77
  • English Cucumber $0.97
  • Iceberg Lettuce Sale $0.79
  • Red Peppers Sale $0.92
  • Yellow Pepper Sale $0.33
  • 2x 10lb bags of Potatoes Sale $1.97 each

Total Coupons Used $0

Total Out of Pocket $24.58

Metro

  • 2 x Cashmere Toilet Paper Sale $2.88-$1.00 coupons
  • 2x Honey Sale $1.99

Total Coupons Used $2.00

Total Out of Pocket $8.49

Wal-mart

  • 1x Sesame Oil $4.97- SCOP (Scanning Code of Practice = FREE
  • 1x Noodles Sale $0.28 each rang up $0.38 – SCOP = FREE
  • Roma Tomatoes for Pot-luck Sale $2.52
  • 4x packages of reduced Marc Angelo Sausages $2.43 each

Total Coupons Used $0

Total Out of Pocket $12.27

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

  • Total Grocery Budget for the Month: $190.00
  • Total Coupons Used this Week $19.83
  • Total Spent This Week $54.24
  • Total Spent So Far for August: $85.24+$118.37 +$19.03+ $54.24=$276.88
  • Total Overspend for the month of August $86.88

So there you have it, we are over $86.88 for the month of August. If we didn’t purchase the oil we would have been over just over $20. Not bad but lets see how well we make out this month with 3 mouths to feed for half the month. I think we can make it!!

Are you playing our food shopping game? How much is your Grocery Budget for the month and how many people does it feed?

Here are The Grocery Game Challenge Rules.- You can start any time of the month and post all month-long even if your weeks don’t coincide with mine. It’s all about tracking!

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