A Wage Increase Is Only Instant Gratification On Paper : Our Net Worth Update October 2017 (+0.79%)

BUILDING WEALTH AND DEBT FREEDOM GOES BEYOND A WAGE INCREASE   Unless you get a wage increase that is far beyond your norm the only gratification most people get is seeing the bigger number on their pay cheque. Even then if you’re not putting that wage increase to work you’re hiring and firing your own staff costing your more money in the long run. Reality is that without doing something with that money to help increase your net worth it won’t make a blind bit of difference. This perspective of a wage increase simply leaves you right back where you started. November is financial literacy month and I wanted to take a few minutes to talk about why a wage or salary increase isn’t always the answer to our financial problems.   You have to start somewhere   ** Let that be your motivation for the day, month, year ** You may not be in debt but you’re certainly not going to get ahead financially if you aren’t making changes to the way you manage it. The key: Financial Literacy. If you’re in the negative you may still be in the negative but climbing out from the hole. You’re still […]

grocery game monthly challenge

4 Expensive Impulse Food Purchases You Should Dodge : The Grocery Game Challenge 2017 #3 Mar 13-19

GROCERY SHOPPING IS LIKE WALKING INTO A CANDY STORE FOR ADULTS   Impulse buying behaviour is something that every consumer has to deal with whether you believe yourself to be an economical shopper or not. Frugal shoppers are as sensitive to the marketing process of luring shoppers into buying stuff they don’t need as are those who aren’t so thrifty. As you already know I’m a grocery shopper with eyes and ears and occasionally a mouth that engages in food-related conversation. Most often I enjoy observing and listening to what others are saying if they are in my vicinity. Don’t worry I’m not a grocery store stalker, just a nosey customer.   Types of Impulse food purchases   Over the past 5 years that I’ve posted our grocery shops in the Grocery Game Challenge I’ve been more attentive to what people are buying. I’m not the best at multi-tasking but since part of my hobby (this blog) requires knowledge about other shoppers I tend to snoop a bit. When you’re not looking I am because I want to know what you’re buying. I’m also interested in knowing what you’re reading on packages before you toss it in the shopping cart. […]

grocery game monthly challenge

15 Valuable Grocery Store Services For Customer Retention: The Grocery Game Challenge 2016 #2 Oct 10-16

SECRETLY WE ALL HAVE OUR FAVOURITE GROCERY STORE THAT CATERS TO OUR NEEDS.   Have you ever asked yourself why you seem to frequent a grocery store over the others in the city or town that you live in? Think about this for a second and ask yourself what grocery store services are offered where you shop that keep you going back week after week. Maybe it’s not grocery store services, rather proximity and even then there are services that you’d miss if the grocery store took them away. Every one of us are different with different needs when we grocery shop. Some of us might care about certain grocery store services where the next customer could care less because there is no impact. It’s not a big deal to me to see a lottery booth at the grocery store because I don’t buy lottery tickets any longer. For a weekly lottery player this is one of those grocery store services that helps them save time and is convenient. My wife remembers when she would go grocery shopping with her grandmother that her grandfather would check his tickets and run his numbers for the next draw while she shopped. You […]

grocery game monthly challenge

The Best Canadian Grocery Stores To Shop At : The Grocery Game Challenge 2016 #2 Mar 14-20

THE TOP GROCERY STORES IN CANADA ARE IN YOUR NEIGHBOURHOOD   There are so many Canadian Grocery Stores that it can get a bit confusing trying to figure out where to shop to get quality products while saving money to stretch those grocery dollars. Then there are shoppers who don’t care about saving money because they are committed to shopping at one grocery store even if they have to pay more money for products they can pay less for somewhere else. Related: Are you a grocery store snob? When I first moved to Canada 8 years ago I had no idea about Canadian Grocery Stores let alone where to begin shopping. Grocery store prices differ from shop to shop and with that comes differences in product quality and availability. Depending on where you live in Canada you may be blessed with local markets like the St. Lawrence Market in Toronto or St. Jacobs Farmers Market in St. Jacobs. Just about every nationality has a market/shop that sells products from the homeland especially in Toronto which is great to buy hard to find products for new recipes. Related: How to enjoy Gourmet Food on A Tight Budget Outside any city you […]

grocery game monthly challenge

Is Being a Grocery Clerk a Bad Job? : The Grocery Game Challenge #2 Oct 12-18,2015

FINDING A JOB YOU LIKE   If you are contemplating applying for a job as a grocery clerk I’ve got some great resources for you today which might help you on your job hunting journey.  I’ve never worked as a grocery clerk before although I did work in the grocery industry. My role was picking cases of products in a warehouse which was a repetitive, tough job with long 12 hour shifts, but it paid well. In the UK it’s not easy to find a job fresh out of University or if you just want to enter the workforce. When I came to Canada I was amazed at all the opportunities that were in front of me but sadly most of the careers that I was interested in required me to go back to school, which is what I did. Working as a grocery store clerk is a great opportunity to gain experience working in customer service which can then take you to other levels in the working world. Not everyone who gets a job in a grocery store wants to retire there but for those that do they may end up getting promoted which means better opportunity and more […]

The Saturday weekend review #45: Outrageous online pricing deals gone wrong

PRICING ERRORS HAPPEN EVERY DAY No matter if you shop online or if you shop in store human error is possible and pricing errors can happen and sometimes depending on policy can be a perk for the consumer. Just yesterday I noticed a sale at Metro for a product that boasted the regular price at $2.99 and the new lower price being $2.99 which was exactly the same. Sure I had a laugh and took a photo of it because it was funny, but it was also human error. Online shopping has been going on for years now and its presence is only becoming much more powerful in the world of technology simply because people don’t have to leave home in order to go shopping. For those that are super busy or have less than optimal amounts of time to spend with the one’s they love shopping online cuts down on time. For some people who go into a store it triggers spending more than they earn because when they go to the store they tend to ‘want’ more because they physically can touch it. The same could ring true with sitting behind a computer screen and shopping with the […]

Are you a Grocery Store Snob?

A grocery store snob, does that really exist? You bet it does. There was a time in my life when I would shop at the closest shop to my house because I didn’t want to drive too far. Why? Well, most shops were out of my village and in the city. I would make one trip into town each month and go to all the shops that I needed to in order to save money. I’m far from a grocery store snob. I’m more of a frugal hunter. When I moved to Ontario, Canada I noticed that almost every city has the same shops as the next. Except for those that live in the outskirts or the tiny towns in Ontario we are able to choose grocery stores in close proximity or a short drive. Do you notice different sorts of clientèle when you shop at different stores? Do they seem snobby to you when you shop at higher-end shops? I don’t mean whether they are rich or not because anyone can be the Dog’s Dinner (dressed nicely) with a suit/tie, dress and high heels and look flashy. You could never distinguish the rich from the poor, just look at all the people […]

grocery game monthly challenge

The Grocery Game Challenge- March 26- April 1 Final Week

I thought I had better get this up and running so everyone could post their shop. What I might do is post The Grocery Game Challenge by Monday  Tuesday of each week so shoppers can post instead of waiting for me to shop. I will then update this post as we shop to show what’s happening in our grocery budget.  This week is supposed to be a no-shop week for us but we may end up spending a couple bucks. Starting $329.85+8.16+9.85+7.93+43.65= $390.93+ $9.25=$400.18  ouch That’s $ 210.18  over budget for March- Final. We will try even harder next month to stay on track. We stocked up on a few items for summer time that we had coupons for that were expiring.  Sometimes if you have the savings in coupons and there is a sale you have to take advantage and that’s what we did. This week we went to Metro as we were told it is the best place to redeem our FPC’s but it made NO and I repeat NO difference to Air Miles. As a matter of fact  we received 0 Air Miles but the 5 from a coupon we presented that came in the mail. We […]

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