Posts Tagged ‘Grocery Game Challenge’

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Grocery Shopping Isn’t Always Easy

The best time to go grocery shopping really depends on what busy means to you and how overwhelmed you get by the amount of people in your way while you are looking for items on your shopping list.

Have you ever wanted to get an item off the shelf but someone was standing in your way? You pick up any random item and pretend to read the label and ingredients even if you don’t know what it is just to pass time until the person gets out of your way. Sometimes you go as far as to pick the item up right next to what you need in hopes of inching them a bit further out of the space so you can grab what you need. If I’m in a real rush, I say excuse me but I don’t like to rush people either so I will just come back to the item if I have to.

That’s why we do our best to avoid the pre-dinner rush and opt to shop when it’s quiet rather than when the  store is flooded with people. Most people are rushing in after work in a hurry to get home and make a 30 minute meal so they can relax for the rest of the night with the family. I find there are peak and off-peak times in our area but not everyone is able to get to the grocery store simply because it’s “quiet time” or as we like to call it “feeding time” when people are at home eating dinner.

Find me a grocery store that is not busy between 2-7 pm and I’ll be shocked because it’s like walking into a concert hall in most of the grocery stores in our area. Kids are screaming, people are racing through the aisles with their grocery carts and sometimes even forget where they left them because they get side-tracked.

I’m sure if you think about it you can safely say that you are bound by grocery shopping habits whether it’s what stores you frequent, what day of the week you shop, what time you shop, how you shop. Grocery shopping on a budget for us means that even though we are only grocery shopping for two it can get just as frustrating as someone who has to shop for 3 or more people. When I need to go grocery shopping I plan out the grocery shops only because I know how terribly busy the stores can be and I just don’t function well in a busy grocery store.

Sometimes I think the best time to go grocery shopping is early in the morning when the shop just opens but that’s not always the case. Sure it may be quiet but you also risk that not all the product you want is out on the floor yet. The reduced products aren’t always marked for sale either although many times it’s hit or miss.

We have run into occasions where grocery stores run out of stock mainly flyer specials and they tell us a new shipment is coming in on the afternoon truck. Most often it’s because they sold out over the weekend when they are at their busiest. That means we would have to make a second trip to the grocery store. Alternatively we could head to another store that price matches in hopes of getting the same deal or go back costing us more in gas and time. The other option is just to cross it off the grocery list and move on.

What times are off-peak?

Good question but like I mentioned it all depends on where you live, what time your grocery stores open and close and what’s best for you. Some major cities may not have any off-peak time because they have people coming in and out like a revolving door. I often find that if I can get into a 24 hour grocery store like Metro late at night it’s the best time for me to shop. Sure there are people in the store but mainly late-night shoppers like me after work or those that just want to get in while no one else is around.

It does get fairly quiet, but the best part is being able to think and helps me to find deals without overlooking them because I’m getting side-tracked. I find that it’s the best way to grocery shop for me and if I need any grocery shopping help it’s not difficult to find someone to give me the assistance I need. That and it’s fast service. That’s some easy grocery shopping if you ask me.

Other off-peak times to shop are like I mentioned early in the morning and between 7 pm-closing when most people are at home tucking the kids into bed getting ready for the next day. The best time to go grocery shopping on Sunday is later at night as well because most people are again getting ready for manic Monday.

What times are peak times to grocery shop?

I avoid grocery shopping on Friday and Saturday at all costs. Now the only downfall with this is that we miss out on some of the weekly deals that happen only on the weekend. We don’t rule it out but if we can avoid the shops on the weekend we will do that the best we can. It’s just too busy and since most people work Monday-Friday it’s their only opportunity to get out without having time constraints like they would during the week.

Ultimately to do grocery shopping at various times of the day really depends on someone’s daily schedule. Although we may all like to have a standardized work week that just isn’t possible. If I need to go grocery shopping during peak hours I know that I have to keep focused, find what I’m looking for and get out.  When the wife and I go together it’s easier to shop and it’s easier to take our time to find the deals that aren’t advertised such as pink sticker deals at Loblaws stores or those that are on clearance and blow-out.

Questions: When are your favourite and least favourite times to grocery shop?

June grocery game recap

This is the start of the June Grocery Game Challenge which means we are almost half way through the year. In July I plan to do a 6 month grocery budget recap to see just where we stand with our budget and if we need to make any improvements. If you missed grocery game posts for this month just click on the links below and post your shops in the comment section. Each week I will add the previous weeks Grocery Game Post here.

Grocery saving tips

Free Money Saving Downloads just for YOU!!! Get organized with a freezer inventory, meal plan, shopping list, price comparison list and much more!!! Click, Save and Print.. It’s that easy~ Also look back on previous grocery game posts for loads of grocery shopping tips and information.

What’s In MrCBB's Shopping Cart

No Frills

  • 2 x Kikoman Soy Reg $5.49 (which I think was wrong as a small bottle is so expensiv but that’s what they marked down on the label) – 50% pink sticker- $0.50 coupon
  • 1 x Neilson 2% milk $3.97
  • 2 x bread- 50% pink sticker
  • 1 x fennel Sale $1.77
  • 1 x Kale Sale $1.97
  • 1 x White Mushrooms PM Freshco $1.00
  • 2 x Rooster garlic Sale $0.58 ea

Total Out Of Pocket: $16.73

Food Basics

  • 1 x Prime Chicken Thighs Boneless, Skinless Club Pack- $15.00- $6.00 =$9.00
  • 1 x Reduced Portobello mushrooms $1.29
  • 1 x Astro Original Yogurt Sale $1.88
  • 1 x Halal Yogurt Sale $1.88
  • 1 x Ferma Corn flour (for homemade dog treats and other recipes) Reg $1.99  Sale $1.69
  • 3 x Seedless Cucumbers Sale $0.88
  • 6 x Cedar Coconut Milk Reg $1.39 Sale $0.88 ea

Total Out Of Pocket: $ 23.66

Freshco

  • 3lb bag of Sweet Vidalia Onions Sale reg $3.99 Sale $2.00
  • 2 x SOS Soap pads Sale $1.00 ea
  • 1 x 1kg Krinos Traditional Feta $13.99
  • 3lb Carrots $1.77
  • 4 huge Yam/Sweet Potato $3.20
  • 15 x limes Awesome Sale $0.15 each $2.25
  • 2 x Organic 3 pk Romaine Hearts Reg $3.99 Sale $1.99
  • Dark Rye bread Sale $1.69
  • Farmer Rye Bread 454 g Sale $1.69
  • Signal Thousand Island Dressing $1.42 ( I can probably make this can’t I?) -impulse
  • Worcestershire Sauce 284 ml $3.47
  • Green Seedless Grapes just under 1kg Sale $1.97
  • Red Tomatoes On the Vine Sale $1.99
  • Gay Lea Spreadables $3.59-FPC=FREE

Total Out Of Pocket: $55.45

Shoppers Drug Mart

  • 1 dozen eggs omega Reg $3.99 Sale $2.99

Total Out Of Pocket: $2.99

The-Grocery-Game-Challenge-June-2013

Yearly grocery budget for two : $2819.38
  • Total Grocery Budget for the Month: $235.00 or $78.33 week with 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 June: $235.00- $72.24= $162.76 ($83.42-$11.18=$72.24 will be carried over to July)
  • Total Coupons Used this Week : $4.09
  • Total Discounts this Week: $21.38 (reduced products)
  • Total Gift Cards Given Used this Week: $0
  • Total Rewards Points Used: $0
  • Stockpile Budget: $20.00 Used: $20.00 (4 packs of sausage $12 and prime chicken thighs $9.00+ $21-$20= +1 to the regular grocery budget.
  • Total Spent This Week: $ 78.83
  • Total Spent So Far for (June): $23.89+$44.68+ $78.83= $147.40
  • Total Over/Under spend this shop: $ N/A
  • Total Over/Under spend for the month of  (June): $N/A
  • Total Left to Spend for the Month: $162.76-$147.40= $15.36
  • Total Coupons Used This Month:$4.09=$5.00= $9.09
  • Total to Carry Over Next Month: N/A
  • Total Spent To Date This Year: $206.95 (Jan)+ $160.77 (Feb) + (March)$169.62 + (April)$397.74+(May) $155.68=$1090.76
  • Rendezvous Account: $65.38 This is money saved if there is any leftover at the end of a month of grocery shopping for a date night for the wife and I.

Weekly Overview: This week we didn’t do as badly as we thought but we did manage to make use of our stockpile budget of $20 mainly the meat that we bought in bulk. We have just over $15 left for the rest of the month. We likely will have to buy milk next week and maybe eggs but that’s about it as we have more than enough vegetables. We also have our chives and spring mix ready to go in the garden. Next week will be a no-shop week besides the milk and eggs and the last shop for June. Phew!

Canadian Coupons Found In June

June-Canadian-Coupons-Found

  1. Save $1.00 on any one Dr. Oetker Casa di Mama Pizza UPC 88623913-  Exp Dec 31, 2014 –  Food Basics
  2. Save $1.00 off Tabasco  UPC 07505717- Exp Dec 31, 2014 – Food Basics together with Dr. Oetker Pizza booklet
  3. Save $1.00  wub (when you buy) 2 Belvita breakfast biscuits  UPC 15043232- Exp Dec 31, 2013- Food Basics
  4. Save $3.00 wub 2 DanActive on DanAvtiv no sugar drinkable pro-biotic yogurt 8 x 93 ml packs- UPC 29506965- Exp Aug 31, 2013- Food Basics
  5. Save $1.00 when you buy any 2 Ritz Crackerfuls Crackers UPC 15043216- Exp Dec 31,2013- Food Basics

Note: All the above were found on displays.

Frequently Asked Questions

Grocery Game Challenge RULES….. 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. 

  1. 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 players from around the world.
  2. 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.
  3. 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 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.
  4. Where can I find Canadian CouponsHere are your latest Coupon Match-ups  of the week including Checkout 51 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.
  5. How Do I Know what stores accept coupons? You can find all your store coupon policies here. If you are not sure it’s always best to call the store and ask.
  6. How Do I Grocery Shop?- 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 don’t need to buy this or that. You may also substitute items in order to stick to your budget to make it work. If you have just joined The Grocery Game Challenge 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.

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Financial Literacy Mr.CBB

Money and Finance are two very important life topics that encompass “financial literacy” yet many people are unable to take control of what it means to them. I hear stories about those that are struggling to get to the end of the month before they run out of cash to pay the bills and others that realize that learning about money is the only way to go.

April is Financial Literacy Awareness month and learning money management skills and how to budget money is only the beginning. There are a host of financial literacy topics that are available to those wanting to find ways to save money as adults and teaching youth financial literacy to their children all over the internet.

There is no shame in not knowing but wanting to learn, there is no shame about why you are in debt, there is no shame in what others think of you. Find the strength to enjoy the small things and work towards a brighter future by taking the initiative to build your knowledge of what you desire in life. There are so many people who wonder if they will ever know “how to learn to save money” but don’t know where to start.

Children and Money

As parents struggle with ways to teach kids about money it’s not something that “should be done” it’s something that “must be done”. I often wonder where I would be today if my parents didn’t teach me the value of money and how to make it grow into something bigger than I had ever imagined from a young age.

Back then I wasn’t thinking millions of dollars, investment properties and stocks that would rock my world and net worth. I was thinking about how can I make this money last while making more money in the process. Today parents are playing money game with children and using money management games for kids online in order to guide them through the process.

It all takes time but parents investing in their child’s future is one of the best gifts next to loving them so deeply that you can give them. One CBB fan Mandi Holland takes proactive steps with her son that I encourage other parents to do.

We play games online at Kids Math Games for him to learn to add up coins & Money. My Son really likes Math & School, we buy him age appropriate work books when we find them as well.

Times have changed and Life, Retirement and Money are topics taking on whole new dimensions as we evolve year after year. As Canadians we need to work even harder to save for what we need in this life as the economy struggles to stay afloat without giving up hope.

At Canadian Budget Binder I am reaching out to adults about financial literacy so they can learn more about their financial health and changes they might want to make. We don’t have any children in our home but I know if we did you can bet we would teach them all they needed to  know from a young age.

Why I Care About Financial Literacy

Financial literacy to me is understanding personal finance concepts in regards to how much money you have and how you spend and invest it over time in order to pave the way for your future. Life is about risk and if we don’t take the time to step up and follow our dreams and invest in ourselves no one else will.

In November 2012 I shared my Best Financial Tips with my readers in recognition of Financial Literacy Month. Since April is Financial Literacy Awareness month I want to share a bit more about why I care about financial literacy so much.

I’ve learned that everyone has their own unique situations about personal finances and how “rich” and “poor” mean different things to different people. It really opened my eyes from a skewed view of  money and finance and what I thought it was to what I’ve learned up until today.

Goal of Canadian Budget Binder

At Canadian Budget Binder my goal is to share our journey towards financial freedom using a budget while motivating others to find ways to manage their own money. I wanted this to be a safe environment where people could come and talk about money and debt and not be judged. This is the place we have created here at CBB with many fans from all over the world.

All of my fans who have been with me from the start know that making extra money blogging was not my intention when I opened up the curtains to share our financial life in the CBB household. If the time comes when I do I know that I will give back in a way that I think will continue to help others grow and learn about finance.

This blog was the beginning of something special for me. It has taught me so much about life, death, money, success, failure, debt, illness, poverty, sharing, kindness, love, motivation, desire and more than you can ever imagine.

I encourage financial literacy because I know deep down no one likes to feel like they are swimming in debt and a heavy weight on their shoulders and in their minds day in and day out. “If only I could just share the basics so others could learn how to budget money like we do”, that’s what I would think to myself when I started the blog.

It began as desire to help others understand money and finance then sending them on their way to build their castle from the rocks (knowledge and experiences I have provided to them. That is what I hope people take from Canadian Budget Binder and why I encourage a “team” environment where we all help each other out.

Building Her Castle

Budgeting has been a part of our lives for a few years now and I wanted to give back to those that want to walk the same path but just don’t know where to start. When I first met Jen Peacock on my Facebook fan page her and her husband had no budget, were deep in debt and spending more than they earned.

They had alot of catching up to do and her determination was fading because she felt she had no where left to turn. She thought she was doing everything right but it all came crashing down, slowly. It was time to get out of bed and make that change so they could move forward with their lives.

Jen has a beautiful child together with her husband Ken and a lovely home in Ontario, Canada. She had rolled debt into their mortgage 2 or 3 times by which time the debt just kept piling back up again especially during maternity leave to the tune of 21K plus 30k in car loans.

Money and Finance- Budgeting

When I took Jen behind the scenes we talked more about budgets in detail and I agreed to guide her along the way. Since I’m not a financial advisor, just a reg Joe I did just that. I worked with Jen month after month, hours poured into her budget and teaching her WHY they can’t afford to  spend $150 a month on the 407 ETR to get to work or WHY she should work on cutting down her grocery expenses.

It wasn’t to be cruel it was to open her eyes so she could share this wisdom with her husband and build a solid financial future together for their family.

I admit she had me pulling out my hair at one point because it’s hard to do this via email but I never gave up on her because I knew how badly she wanted to get back on track with her money and finances. Eventually Jen and family got to a place where they were budgeting using my Canadian Budget Binder Spreadsheet that I designed for our family finances.

I can’t tell you how many times she messed up the budget BUT, she learned, she learned more than I ever would have imagined. Jen went on to write a blog post for the fans in November 2012 that touched my heart.

Related: Budgeting With Mr.CBB Got Us Back On Track

All I ever wanted was to help one family get on track and Jen’s family was the one and I hope that I can continue to motivate others. She took “budgeting with Mr.CBB” to a whole other level for me. With the budget help Jen also managed to cut back on her grocery budget by posting her shops each week faithfully to this day in The Grocery Game Challenge.

She is now spending less in 2013 on groceries than she did in 2012 for her family of 3. She still emails me her budget once a month to look over and I’m more than happy to do just that.

Chef Jen's Kitchen
Chef Jen- What’s For Dinner?

Just look at some of the food Jen has created in her own kitchen that she never once dreamed she would be doing. I also encouraged Jen to stop buying food in boxes or food that she could easily make at home. I bugged her to no end to start cooking more homemade meals with her husband. It was important for me to motivate her to use recipes and work on them with her husband so they could build family traditions that they could pass on to their son.

Even with a recent setback and having to make changes to her diet Jen still champions the grocery budget and simply amazes me more every single week. Jen has not only made me proud but all the other fans that have cheered her on this past year at CBB.

Below are some quotes from Jen that I saved from my Facebook Fan Page that she posted along with her food photos. Maybe we can talk her into sharing her homemade Quesadillas recipe for our CBB Sunday recipe post because they look so good.

I’m proud of Jen and her family and I tell her this all the time. She never gave up and she still fights the fight but she now knows what she has to do, they both know what they have to do and all because they invested in themselves.

Jen's Homemade Quesadillas

Busy today in the kitchen! We also made Rice Crispy squares and my favourite Heavenly Banana Oatmeal Chocolate Chip and Walnut Cookies! :-D Tomorrow I think I’ll attempt tortillas and flatbread!

Here is my first attempt at Mr.CBB’s flatbread recipe on the blog! I made 3 large ones instead of 12 small ones as I am using it for pizza. I can’t wait to make the pizza tomorrow.

Here it is! Tonight for dinner I made pizza on homemade flatbread! It was awesome! And so filling!

Proof I made the tortilla!

My dinner for tonight: BBQ Chicken Quesadilla on homemade tortillas! Sour cream and salsa on the side

My very first attempt at homemade bread!

Six Months Later

I posted Jen’s story on Facebook again for my over 5000 fans to read just in case they missed it the first time, this is what Jen had to say about it

I just read it over again. It’s amazing how much things have changed for the better. I was just thinking the other day about how I used to live in overdraft and since budgeting I’ve never touched it and actually had money in the bank. Ken is SO on-board now! He now has an allowance which made a big difference for us.
Financial Literacy

Call me a numbers nerd but I’ve been that way ever since I was a child and even now as an adult. I not only see the importance of teaching children about money habits but also adults.

As adults we need to prepare ourselves financially and emotionally so we can provide this valuable information to our children to pass on to their own.Together we can create a chain reaction that spans this earth but money and  finance begins with you.

If you care about financial literacy as much as I do, take the time to spread the word and help others to understand. You may just make someone smile.

I want to thank Shannon at the heavy purse for encouraging me to be part of Financial Literacy Awareness month and to share a story like this one today. Shannon has created a Financial Literacy Carnival and recruited other bloggers to share what financial literacy means to them. I hope you get an opportunity to read these personal stories and take hold of your financial future. 

Quote-Budget and Money

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