Black Friday Shopping Is Now On Our To-Do List For 2 Reasons

MISS THE SAVINGS AND YOU MAY END UP PAYING THE PRICE   Black Friday shopping may be just another day to you but for many consumers it’s a day to save money in their budget and a great way to buy gifts for the holidays. I really don’t know why they call it Black Friday though when most retailers are starting sales on Thursday and some even going all week-long. Black Friday is not a one day sale anymore which I discussed last year but it seems every year some retailers add an extra day or wow factor to the day. Even the 2015 Canadian Tire flyer states “Black Friday Starts with Red Thursday“. Retailers may as well offer Black Friday shopping with a full month of savings for consumers in November and be done with it. Sooner or later it will be Maroon Monday Turquoise Tuesday White Wednesday Red Thursday Black Friday Sky Blue Saturday Sea Green Sunday There, I’ve done the work for them. All joking aside you get the point. My email inbox has been flooded with Black Friday promos this past week and once that’s done there will be another marketing extravaganza for the next big […]

grocery game monthly challenge

10 Breakfast Ideas That Are Budget-Friendly : The Grocery Game Challenge #2 Nov 9-15, 2015

THE MEAL OF CHAMPS   We’ve all heard that eating breakfast is the most important meal of the day but for many people we let the busy morning get the best of us so we skip it. Everyday there are school breakfast program advertisements on the television because without breakfast it’s hard for kids to concentrate. The same holds true for adults which is why we need to eat a balanced breakfast in the morning. I’m probably one of the worst breakfast eaters since our son was born but I’ve been working on changing that. With a busy morning I am that person who puts my needs aside to help take care of everyone else. Typically grabbing a coffee in the morning would work for me but now I’m reverting back to my old ways where breakfast is king. I want our son to realize how important it is to sit around the breakfast table in the morning and why it’s important to get up early to do so. While grocery shopping, I always go down the cereal aisle to see what bargains we can find. Buying cereal used to be a big deal in our house when coupons made […]

How I keep my kids entertained for free

Fun Doesn’t Have to Cost a Dime   While I don’t mind paying for an experience with the kids the cost of entertainment can easily escalate taking more money out of your wallet and budget than you may actually be able to afford. How many times have you gone somewhere and after snacks, amusement rides and souvenirs you have spent a lot more money than you anticipated beforehand? No matter the season or the time of year having fun with your kids doesn’t have to cost you an arm and a leg. There are many things that you can do free of charge to keep your little kids occupied. These explorations will teach children life lessons or help them to expand their creative imagination while having some fun at the same time. While you may not always have a souvenir the memories made and the bonding time between parents and kids will last longer than any souvenir you could buy. While playing soccer, baseball and other sports with your kids is definitely time well spent explore your creative side and see what other ideas you can come up with.   Get Outdoors and Explore   There is so much to […]

Do you send a brown bag lunch with your kid to school?-The Saturday Weekend Review #58

BAG IT OR BUY IT   I’m not sure if it’s only the USA where elementary schools might not use the brown bag lunch system rather they pay for a hot lunch in the cafeteria every day. What is a brown bag lunch system? Simple… you make your kid a lunch and send them to school with it! Brilliant idea if you ask me. Although, I’m starting to wonder if anyone sends their kids to school with a brown bag lunch at all in the USA after watching another Yahoo story this morning about kids being treated different because of delinquent lunch accounts. If you are thinking what I’m thinking then you are right to say we are teaching our kids it’s acceptable to buy lunch every day rather than make a healthy brown bag lunch at home. This will be the lesson they carry with them as they get older, at least in my eyes. Then we wonder as adults why the line-ups at the fast food joints at lunch time are jam-packed and why you might find drivers more erratic during the morning rush hour, the lunch rush hour and the rush to get home or maybe to […]

How we cash in on unused clutter in the winter

EVERYTHING HOLDS VALUE   Don’t underestimate the value of an item because what you may consider junk another may consider a treasure. It’s cold outside especially if you are living in Canada like us. There’s no denying the temperatures in 2014 are by far the coldest we’ve had in a long time.   Clear the clutter   It seems almost everyone is complaining about being stuck indoors and having nothing to do so how about winter pre-spring cleaning around the house? Yes you read that right! I’m always getting emails or fans asking, “How can I make extra money to pay down debt?”. Well sometimes the easiest and fastest answer is right in your own home. There’s no point sitting around the house this winter doing nothing if you have piles of potential cash in unused clutter sitting around your house. Make the most of your clutter and sell it for a nice profit that you can put into your emergency savings or use the money you earn for whatever financial decisions are important to you.   The clear-out   How do you begin to clear out clutter? That’s easy. Every successful clutter clear-out starts with a plan so know […]

How to get your life back after a divorce involving kids

YOU CAN FALL IN LOVE AND BE HAPPY AGAIN   If you are or have ever been divorced you will likely agree with me that going through a divorce is not fun.  The rollercoaster of emotions that you may feel; anger, depression, frustration, helplessness and fear to name a few can drain the life right out of you. Picking yourself up and regaining control of your life may be difficult to even think about but it can be done. I am a firm believer that no one can make YOU happy but YOU. I am not perfect and I do not claim to have it all figured out when it comes to life, but you are in control of your life and the choices you make are up to you. You may not be able to control another persons actions but you can control how you react to them and how you let them bother you. I thought I would share a few of my thoughts and observations I have noticed over the last 3 years of being a single parent.   Breaking the ties and refusing to fight   Unless you are someone who likes misery, who wants to […]

PF Weekly grab a brew #45: Butt out that smoke with kids in the car

ONLY YOU CAN MAKE THE DECISION TO BUTT OUT Kids don’t always have a voice when it comes to people smoking around them so we must be their voice and butt out. No one likes second-hand smoke and I understand that more than ever since I am now officially a non-smoker. Saving money in the budget is only one perk to butting out or smoking less for those who are working on kicking the habit. The most important perk is that it is saving your health from potential self-inflicting problems which many can avoid simply by giving up this habit. On Thursday the government of Alberta introduced a law Bill 33 of The Tobacco Reduction Amendment Act that if you have anyone under the age of 18 in your vehicle you are no longer able to smoke in the vehicle with them present. There may be a health savings aspect to this new proposed law but it also might save you some money in the budget if you aren’t smoking as much as you used or were allowed to. Growing up my parents did not smoke so I did not have to worry about them smoking in the vehicle when […]

Kids: Healthy lunches and a happy budget

Making Healthy Choices and Minimizing Food Waste   Trying to balance healthy lunches and the grocery budget is much easier than you think if you eliminate the convenience. Having a picky eater in your house can certainly present some challenges when it comes to ensuring healthy lunches at school for your son or daughter. I swear my son has been a picky eater since the minute he was born so when it came time for him to go to school the thought of him not eating his lunch or not having enough to eat while at school had me worried.   Time for change   My son’s first year of school was a tricky one as it seemed that whatever I sent to school for lunch with him ended up coming home. Looking back on his first year I realized there was a lot of food waste and wasted money in our grocery budget. At this point I was not only concerned about him not eating enough but this also made me realize that I needed to change my approach to cut down on money being thrown away. Pizza day is by far still my favourite day of the month, […]