grocery game monthly challenge

5 Supermarket Annoyances That Cost You More To Buy Groceries : The Grocery Game Challenge 2016 #3 Oct 17-23

AVOID IRRITATING PITFALLS AND YOU’LL SAVE YOUR GROCERY BUDGET FROM EXPANSION   This week I wanted to focus on changes that grocery stores could embrace that would make grocery shopping easier so I’ve broken down some of the most common annoyances that customers face. Today when we buy groceries it has gone from something simple to a bit overwhelming at times now that we are parents. Over the past nine years of grocery shopping in Canada I’ve noticed a trend at every grocery store that I go to and that is marketing differs across the board. It becomes a tug of war between the shops and the customers and in the end all I ever see is a packed parking lot at Costco. We’re a country driven by convenience and it shows. No grocery store is alike even though they may offer similar rewards programs and the same products. Every grocery store needs to have a face and by that I mean they must stand out whether it’s in a big way or by multiple smaller reasons to herd the customers in week after week. That’s how they make their money or in part. You might not want to shop […]

Saving almost 50% of his Gross Income is no longer a dream

YES THAT’S BEFORE TAXES   In my February 2015 net worth update post I mentioned I was saving approximately 50% of my gross income – my goal for 2015 is 45%. The reason I set this goal is my expenses in life right now are likely the lowest they will ever be for the rest of my life (not married, no kids, modest house), so it’s important to focus on savings while the going is good. I suspect that my salary will increase at a modest rate for the next few decades; however, my expenses will increase at a higher rate. The key thing about my savings rate is a lot of it is a result of preemptive planning. Below I’ll tackle each piece of my expenses and discuss tips and ideas on how you can trim these down in your own budget.   Government deductions   The government seems to always have his hand in our pocket. This expense is without question my largest, which requires some careful planning to ensure I’m not needlessly paying too much. The main focus of any budget conscious taxpayer should be to legally minimize taxes in a cost-effective manner. As a chartered accountant […]

A Beginners Guide To A Grocery Price Book (Free Template Included)

Why Make A Grocery Price Book   For many families, groceries make up a large portion of their monthly spending. If you’re looking to spend less every month, it’s possible to save a considerable amount of money on groceries. Knowing your prices is one of the best strategies to save money on groceries. It helps you evaluate the sale flyers to know if a sale really is the best price in town. Prices are always changing. If you track the prices, you’ll know when to stock up and how much to buy. The simplest way to really understand your local food prices is to create a grocery price book. What is a grocery price book? A price book, also called a price comparison chart, is a sheet that tracks the prices of the items you buy most often. It takes sometime to set up, but you’ll earn back your time quickly. To really see this in action, take the example of my favorite brand of bouillon, Better Than Bouillon Chicken Bouillon. Here are the prices at my local grocery stores: Wegman’s: Regular price of $3.99 Giant: Sale price of $3.99, Regular price of $4.49 Walmart: Regular price of $3.58 When […]

grocery game monthly challenge

How we plan to spend $100 a month grocery shopping: The Grocery Game Challenge #5 Oct 27-Nov 7, 2014

I’M NO SHOPPING CART HERO   I know, I know, I know we went WAY over budget this month leaving us with just over $100 a month to spend until the end of 2014 on groceries. I’d like to say that we had a no-shop week like we were supposed to and that photo to the left is our empty cart but I’m afraid that’s not the case. The shops you will read below are in between weeks and with 5 weeks of grocery shops in October it really put us in the red. Although we don’t normally shop for groceries in-between weeks or more than once a week if we can help it this month has seen us visit the shops more than anticipated. Having to go to the shops on my own and for various reasons one being that we have a newborn in the house ended up us stockpiling more than we normally do. We opened a bank account for our son which brought us to the store twice because we didn’t have the proper documents to open the account. I guess that’s one downfall having your banking pavillion in a grocery store. This is one of […]

grocery game monthly challenge

Would you go back if you forgot your groceries? : The Grocery game challenge June 2-8, 2014

IS IT WORTH THE TRIP BACK?   Finding out your forgot groceries at the grocery store can be a big pain but it’s also money out of your grocery budget. Whether you decide to make the trip back to the grocery store if you forgot groceries you paid for depends on a couple of factors. I know we have in the past forgotten something at the cash register because we weren’t paying attention or the cashier didn’t send it down the chute or conveyor. (That’s what I call it). Sometimes items get stuck and if you or the cashier aren’t paying attention a product or many  products might get missed going in your shopping bag. Luckily we were in the parking lot when we noticed some of our groceries were missing. Now we seem to go through the self-checkout which makes it a bit more difficult to forget anything because it all has to go on the weigh scale once scanned. You are in charge of your groceries. Depending on what time of the day you shop it can be chaos at the grocery store so things are moving quickly and if you aren’t alert you can miss groceries you […]

grocery game monthly challenge

Why some people hate the grocery store: The Grocery game challenge #4 Apr 21-27, 2014

SHOPPING IS NOT FOR EVERYONE   I could teach you 10 ways to save money buying food but if you hate the grocery store there is nothing that I can say that will convince you to spend more time planning your shops. Grocery shopping is one household task that some people cringe at having to do. I always seem to write about the positive side about grocery shopping but what about those people who hate the grocery store and would rather be doing something else. Sure, grocery shopping isn’t my idea of fun but at the same time when it comes to our finances we both take pride in making sure we are spending according to our budget. Today I’m going to talk a bit about those grocery haters and if you’re one of them leave a comment and tell us why you hate the grocery store and what you’d rather be doing.   Hate the grocery store   I know most men will be the first to admit that they hate the grocery store because it’s just too boring and not their thing. I can understand that because many men might not have went grocery shopping with their family […]

Grocery budget: Our kids are eating us out of house and home

How to Save on Groceries With Hungry Kids On Board   Hello, fans of Mr. CBB, John here from Frugal Rules today! I’ve had the pleasure of sharing my thoughts here before, but I thought I’d come back for some more. What comes to mind when you think of Mr. CBB? I know the easy answer is budgets, I mean it IS a part of his blog name after all! You could also say that he is known for the recipes he cooks up that make you want to lick the computer screen because they look so good – come on…I know I am not the only one out there! ;-). Well, what comes to mind when I think of Mr. CBB is his Grocery Game Challenge. Mr. CBB certainly knows how to stretch his grocery budget and I applaud him for being so proactive about doing so and sharing his tips. Well, having three growing little ones, means that we have come up with a few ways we save on groceries, which is vital when trying to stay on a budget. Anyone who is a parent to children, especially boys, knows that they can eat a side of beef […]

Canadian Credit Cards Can Provide Some Great Perks! What’s your cup of Tea?

Is there any mystery as to why some people were not meant to own a credit card? When I talk to most people about debt they tell me that it’s the fault of the credit card they carry in tucked in their wallet. They fail to recognize that the card isn’t doing the shopping, it’s them. It’s reality that a credit card is sometimes a necessity to book a hotel, rent a car  or use paypal and other on-line frequencies. If you don’t have one the consumer hears , you are not privy to use our services or we don’t know if we can trust you.  It’s like a gold ticket for these retailers, you mess up, they have your number. If you credit score isn’t up to snuff you might find yourself  lagging your mates who are able to capitalize on all the perks a credit can offer. What is a Credit Score? According to Industry Canada a credit score is a judgement about your financial health at a specific point in time. You can check your credit score for free once per year.  You are rated on a scale of 1-9 where a 1 means you pay your bills within 30 days […]

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