Is one cent a grocery price savings? : The Grocery Game Challenge #1 Mar 31- Apr 6, 2014

grocery price savings one centDEAL OR NO DEAL?

 

Pack it in for the one cent day coming to a grocery store near you.

Now if it were the million dollar penny that might be a different story but it’s far from it.

We always have our eyes peeled on grocery prices when shopping but this was one deal that had us a bit stumped.

Now normally a good deal is too good to miss so when I saw this latest deal I was more than a little confused. It’s not only grocery stores posting one cent savings we’ve seen it on Facebook with airline bookings as well.

While out shopping with my wife at the supermarket I came across a deal that looked strange to begin with.

The small pack of donuts in the picture above were originally marked for $1 but there was a one week sale on that no one could resist, What was the deal? Well it’s clear from the photo that you could save a whole 1 cent.

Wow I hear you cry, that’s not a particularly good deal at all. That’s what initially thought until I got thinking about and then realized that there is NO DEAL, or is there?

 

One cent savings

 

Since the Canadian Government phased out the penny coin last year getting a product for 99 cents has become all but impossible. Unless of course there is a new penny I’m not aware of but I’m pretty sure there isn’t.

Due to rounding up or down at 99 cents or a dollar the price remains exactly the same due to the rounding up. This would be true if the same deal was applied to most food products as they are tax exempt, so what would be the point?

If you add the 13% tax as a convenience food then things look a little different. The original price becomes $1.13 rounded up to $1.15. Take the 99 cents and apply the same rule and you get $1.1187 or $1.12 rounded down to $1.10. So now you have a 5 cents difference.

I’m not sure if it’s a marketing ploy, mistake or clever cunning by using the rounding rule to actually sweeten the deal as such and further discount the item without having to apply a discount of 5 cents.

Now I’m wondering if we will see deals like this more and more as the rounding rule applies to the tax collected from products sold. This then would affect the government’s tax collection and not the profit margins of companies.

This way the company only has to lower its $1 products by a single cent and the rounding rule gives the customer the rest of the discount.

I’m sure if this does become an issue that affects the government’s pockets they would certainly look into it. So, unless I’m missing something I still have to question is one cent a grocery price savings, deal or no deal?

What do you make of this one cent savings?

 

April grocery game challenge posts

 

If you missed any grocery game posts for the month I will post the line-up for the month each week here in this section for you. :)

This will be a 5 week month of grocery shops for us but you can shop as much as you need and post as you need per grocery game post as you will always get a ballot.

Congratulations to ballot #8 Mary….. you are the March Grocery Game Winner!!! Please email me with your address.

 

Grocery saving tips

 

Click, Save and Print. It’s that easy!

Free Money Saving Downloads are awesome lists that were created to get us on track to work towards reaching our budgeting goals and now we are sharing them with you.

I hope you take the time to get back on track and start the saving process in your grocery budget today.

Get organized with a FREE freezer inventory, meal plan, shopping list, price comparison list and much more all for FREE. CLICK HERE to download all the free lists and even our family budget spreadsheet for FREE.

NEW!! You can now download the FREE Canadian Budget Binder Budget Spreadsheet in Excel…… Grab it while you can… It’s FREE! We use it to budget.. check it out!

 

Ultimate grocery shopping guide

 

Everything you want to know about grocery shopping in Canada is below with new information added monthly.

If you missed a Grocery Game Challenge post some of the most popular posts are listed below or you can now find the posts listed on their own page called The Ultimate Grocery Shopping Guide.

If you know a topic that should be discussed send me an email and let me know.

 

Food food and more food

 

shopping-cart-short-cash

Food Basics

  • Bananas $2.36 Sale $0.57lb
  • Green Beans Sale $0.99lb $2.96
  • Navel oranges Sale $0.99lb $3.48
  • 12x Gold Seal Tuna Sale $0.99ea.
  • 2x Lactancia cream Sale $0.99-$0.75
  • 1x Lactancia whipping cream Sale $2.49-$0.75
  • 2 x bags of Spinach Sale $0.99 ea.
  • Panko breadcrumbs Sale $0.99
  • Yellow onions Sale $0.99
  • Pacific Salmon $10.00
  • Red Peppers Sale $1.42
  • Pollock fish $10..

Total out-off-pocket $60.79

Shoppers Drug Mart

  • 2 x dozen eggs Sale $1.99

Total out of pocket $3.98

Metro

  • 2 x Shreddies cereal Sale $1.99
  • Kumato Tomatoes Sale $2.99
  • 2 x Old Spice body spray Sale $2.50
  • 4 x Tasters Choice instant coffee Sale $4.99-4.00
  • 3 x pkgs of chicken breast Sale $9.11, $7.97, $8.40 – $20.00 of this is stockpile for the month leaving $5.48
  • Gardein frozen chicken fingers Sale $3.99- FPC

Total out-of-pocket $56.98-$20 (stockpile)=$36.98

 

 grocery game 1 April 2014grocery game 1 April 2014

 

Grocery shop results

 

Yearly grocery budget for two: $2820

(The above total does not include the stockpile budget of $240 per year or $20 per month.)

  • Total Grocery Budget for the Month: $235.00 or $78.33 week with potentially 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 March $235.00-$20.82=$214.18/4=$53.54
  • Total Coupons Used this Week : $6.25
  • Total Coupons Used to date: $33.75
  • Total Discounts this Week: $0
  • Total Discounts Used to date: $5.54
  • Total Gift Cards Used to date: $33.18
  • Total Rewards Points Used: $0
  • Total Rewards Points Used to date: $0
  • Stockpile Budget ($20.00): $20.00-$20.00=$0
  • Stockpile Budget Used to Date: $20.00+$19.08+$17.94+ $2.06+$20.00
  • Total Spent This Week: $101.75
  • Total Spent So Far April: $101.75
  • Total Over/Under spend this shop: $48.21 over
  • Total Over/Under spend for the month: $n/a
  • Total Left to Spend for the Month: $112.43
  • Total to Carry Over Next Month: $n/a
  • Total Spent To Date This Year: (does not include stockpile budget) Jan $242.66+ Feb $191.74+ March $255.82+April $
  • Weekly Overview: We loaded up on eggs, veg, chicken and fish this week and used some coupons that were just about to expire at the end of March. Overall a good shop but that doesn’t leave us much for the month to spend.

 

Coupon Sleuth

 

Did you find any coupons? If so share the details in the comment section of this post where you found it and what the coupon is for with expiry.

coupons April 2014

Frequently Asked Questions

 

 

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.

 

  • 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 fans who post their grocery shop who live all over the world.

 

  • 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.

 

  • Does your Grocery Budget include health and beauty and laundry products?

 

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.

 

 

Here are your latest Coupon Match-ups of the week and your weekly Checkout 51 offers 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.

 

  • What is an FPC?

 

An FPC is a free product coupon which means you can get a free product as described on the coupon.

 

 

You can find all your store coupon policies here. If you are not sure it’s always best to call the store and ask.

 

 

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 need to buy this or that.

You may also substitute items in order to stick to your grocery budget to make it work. Nobody is perfect, heck we struggle with this part of our budget like many people do.

This is why the grocery game challenge was created to not only show you that we are like everyone else but to bring us all together to work as a team to get our budgets on track.

If you have just joined The Grocery Game Challenge 2014 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.

Feel free to read all the above posts that I linked to above which I feel are relevant to learning about the grocery budget and grocery shopping in general.

You’ve made a wise decision to take control of your grocery budget now show me your shops and let’s get saving!

Welcome to The Grocery Game Challenge Canada 2014!

-Mr.CBB

 

Money-quote

 

Are You New To Canadian Budget Binder?

Does having debt mean you have too much money fun?

Money funFUN MONEY STILL COSTS YOU

 

Having fun and having debt is no laughing matter but not everyone sees debt through my eyes.

Sometimes debt is just a piece of paper that comes in the mail for someone who says oh look it’s gone up again and heads out for a night on the town.

My theory is you need to earn money before you can play the cash out game depending on what you are spending it on though. Keep in mind not all debt happens because of having fun.

Debt for some might mean they go to the grave owing people money and they don’t have a care in the world. Those are the people who live in that financial la la land that I talked about earlier. Learning about money saving habits and paying off debt first is not easy for some people and for others it’s a no-brainer.

My friend at My Money Design talks about why it is important to save money and now and when he says “because things will happen” he’s nailed it. Not only do things happen most of us will continually want more stuff over the course of our lives and if we don’t have cash to pay for it, well you guessed it. More debt.

Others like myself cringe at hearing the word debt or having to owe someone money whether it’s friends or family or a credit card bill that couldn’t get paid in full due to student loans, car loans, mortgages.

It’s not like I sit around counting money all day, but I don’t want my hopefully early retirement years mired with debt I haven’t paid because I was too busy having fun or buying things I didn’t need watching that debt grow bigger and bigger.

 

Fun with someone else’s money

 

It’s true, some people feel sorry for themselves because they had fun before they paid for it and now they are really paying for it. It doesn’t matter what happened to get you where you are because in the end debt is debt.

I’m pretty sure you know someone who doesn’t have lots of money or any at all and when they come into money they are happy as a pig in muck. They think they have hit the jackpot and they can go out and live large with that money and have tonnes of fun.

The problem is there are so many things that need to get done around the house, debt that needs to get paid, repairs, etc. yet they seem to forget all about it. Most times the windfall that comes into their hands is in the form of a lottery win, bingo win, loan from a bank, loan from a friend, found money and it’s gone before you have a chance to sit on it and think.

Those who struggle with paying down debt year after year may mean they are having too much fun with someone else’s money or they simply don’t make enough to pay down the debts with the money they were loaned or from products purchased.

Either way it has to be paid back so putting fun on the back burner to get debt priorities and other important tasks completed should be at the top of the list.

Should you be going on vacations, buying new vehicles, new clothes etc. when you have a pile of debt already? Well if you ask me you know I’ll tell you no you should be getting rid of that debt first unless you crave the debt explosion.

I also think that you need to be realistic about what you are spending your money on when you have debt. No one says you can’t have fun but if you are already struggling to stay afloat why would you drown yourself?

If you ask someone else, their opinion may differ but their opinion of sitting on debt probably isn’t as important as it is to me. I prefer to get up in the morning not worrying about money and debt where others seem to fluff it off as if they gave up on themselves.

Others might not care because they think they will never pay it off so why stress about it. If we have this mentality you can bet you will never pay it off because everything else that is fun will become a priority over paying off debts you already have.

Your choice though, it’s your life you’re right but you probably wouldn’t be reading this if you didn’t want to find a way to get out of debt. In fact I don’t know many people who celebrate the fact that they have fun and have debt and don’t care about it.

 

Take care of your stuff

 

I have an acquaintance who bought a used truck which was great for work a few years back and owes about $15,000 on it. Well his new to him truck turns out that he’s paying more in mechanics bills then he can afford on general repairs that are common to just about every vehicle owner.

So what does he do?

He goes out and gets another bank loan for another used truck because he can’t afford the bills on the first used vehicle he bought. I wish everything in life was like that. When something breaks down just toss it aside and buy a new one.

The problem?

He still owes thousands of dollars on the first truck. I hope he had some fun in the first truck because it sure will cost him some cash unless he can sell it to recoup some money. As we know vehicles depreciate and it’s not always fun when you have to pay to get your vehicle fixed but that’s life.

I don’t know many vehicles that don’t make its way into the mechanics shop at one time or another, it’s reality. Things break down and need replacing so like having a mortgage and a house needs repairs as does your vehicle.

If you can’t even pay for regular maintenance on your vehicle don’t be surprised if your vehicle won’t be nice to you when it comes time to get it repaired.

Some people are shocked at the bill but if you take care of what you own for the most part you should have a vehicle that lasts you a long time. One of our vehicles is 11 years old and is in mint condition because it’s well looked after and yes that costs money just like everything else in life.

 

Debt defined

 

What is debt? Debt is owing money to someone in the simplest of terms. If you have received a service or product and you haven’t paid for it in full you now have debt because you owe money to someone.

There are many reasons why debt comes knocking at our doors and honestly many people can say they had too much fun and probably could have done without and others well debt just kind of fell on their lap.

You see not everyone is out to splurge on buying items. Let’s look at a couple in a relationship where one spouse is a spender and the other is a saver or a couple where one spends but hides the debt from their partner.

It’s after they get caught or the relationship breaks down that all the debt secrets come to the table and the non-spenders are left with paying half the debt if not all of it.

We know a couple this happened to where the marriage broke down and she found out he had credit cards that she had no idea about. If you start to see your spouse coming home with new or even used stuff and you don’t see these expenses on any bills you might want to question where the money is coming from.

If you are in one of those relationships where my money is mine and yours and is yours remember if you are common law in the eyes of the law, it’s still your debt if you’ve lived together for x amount of months (depending on where you live check the laws) so be cautious.

Best of it is she just paid the credit card debt because she didn’t want to fight with him about money. Some people are like that and would rather suck up the debt and move on instead of trying to pull money out of thin air where there is none available or likely will never be.

Below are some other ways that having too much fun might mean we carry debt. How do you combat creating debt with your expensive hobbies and holidays?

 

Expensive hobbies

 

There’s at least one house on our road that has a boat residing on a trailer waiting to go in the water. It’s not just the cost of the boat that’s the expense here but insurance, licence, maintenance, fuel for both car and boat and any launch costs or mooring fees.
Having a boat and all the associated costs that go with it aren’t the only expensive hobbies out there though.

Photography if you take it seriously enough can cost you a small fortune. Once you get past the throw away snapshot cameras and into DSLR’s or Medium Format cameras the camera body is a separate item from the lens and prices increase dramatically.

Lenses go into the thousands of dollars and then there’s a plethora of filters, remotes, flash units etc. as well as editing software such as Photoshop elements 12 which I just bought for half price regular $150. That’s just the little guy though if you want the cream of the crop Photoshop can run you $700- into the thousands.

Some people manage to make their hobby pay for itself by advertising their services but most amateur photographers do it for the art aspect.

Restoring classic cars used to be a hobby that aging men get into reliving their youth but these days restoring a V8 Muscle Car isn’t exactly what you’d call cheap.

There are a few classic cars in our area, most of which haven’t set foot outside of the garage since we moved here. I’m not sure if it’s because the men that bought them had less mechanical skills than they thought or they suddenly realized how expensive that hobby really is.

Motor-homes can be very expensive to buy and maintain and yet they seem to spend most of their lives living on a driveway. I suppose that if used often enough it can provide slightly cheaper domestic holiday experiences that you have complete control of.

The problem with this is that do most people have all that extra time to use the motor-home? If you’re only going to use it a handful of times then that’s an expensive piece of kit just sitting around, depreciating faster and faster.

 

Holidays

 

From the versatile motor-home to hotels abroad, whatever style of holiday you like there’s always going to be cost associated with it. I’ve already talked about the motor-home, so the next item on my list is the cottage or static caravan/park home.

There is always this big exodus to the cottage when the first decently warm weather turns up and people enjoy a weekend away.
I’m just not seeing it myself though.

How do you enjoy a weekend away to a cottage that you have to pay for year round through a second mortgage and have to spend money and time maintaining so you can go there for a few weekends during the year? Not everyone rents out their cottage in the off-season although that does help.

You could have probably gone somewhere different every weekend and stayed in a hotel for the same costs.
Now we haven’t been on a holiday abroad yet, although we’ve had some time away in Ontario.

I have been to many foreign places over the years but we concentrated on getting to where we want to be financially now by sacrificing such luxuries as a holiday abroad.

Where I used to work years ago in the UK there were plenty of people who used to go away twice may be three times a year. One particular person went to Cuba, which from the UK is more expensive than going there from Canada.

They spent two weeks in a resort without even seeing anything of Cuba as a country. Surely you could have the same experience in Spain which from the UK is cheap. It always amazes me that people will spend thousands to go on holiday to a far-flung place, boast about it and yet never set foot outside of the resort.

Look at what you want from a holiday and adjust your expectations to match, it will probably save you a lot of money and will mean you can afford the same holiday again later in the year.

So if you have debt and many people do ask yourself if the debt you have is because you are spending too much money having fun. If creating debt is because you are having too much fun and you are struggling to pay off the debts and keep adding more debt on top it’s time to dust off the budget or prioritize how you are spending money and paying down debt.

How do you keep debt low while having fun?

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Photo Credit:Freedigitalphotos.net/cooldesign

Do full-price items make it into your grocery cart? : The Grocery Game Challenge #3 Mar 17-23, 2014

full price grocery shoppingYOU ACCEPT PRICES OR YOU DON’T

 

Grocery shopping for full-price items makes us cringe but the reality is in some cases you either accept the price or you don’t buy it.

At the end of the day it’s either you can afford it or you can’t. If you can’t you don’t buy it and find a cheaper alternative or knock it on the head altogether, if you can.

Should I or shouldn’t I?

Sometimes when I see people staring at a product in their hand I wonder what they are thinking to themselves.

Let’s face it we all talk to ourselves when we grocery shop, admit it.

Is this good for me? What are the ingredients? How many calories? What does it cost? Or should I buy it or not?

I often think questioning purchase price is the burning question in shoppers minds when they are holding products with a confused look on their faces. Who knows?

Many times we convince ourselves that we will find it cheaper even if we have rumbled through the sale flyers for the week.

We know that it might mean going from shop to shop looking for an item on sale. One product that we go through lots is cheese and without coupons it’s hit or miss with the cheese sales.

Mind you they do come out often but when they do it’s time to stock up otherwise face paying outrageous prices for a 500g bar of cheese.

Who pays $8.99 for a block of cheese that goes on sale for $4.77? The customers that don’t stockpile or simply are out of the product and need it for whatever reason, that’s who.

 

Full-price shopping

 

An example of full-price shopping we did would be a bottle of Tylenol we bought once. We needed to get Tylenol and the prices were astronomical. It was one of those times you wished you had a coupon for medications.

Funny enough we used to always have loads of coupons for pain killers but since we can’t order from SC Johnson any longer we haven’t really went online to look.

We are not big fans of printable coupons as we tend to get hassled more often than we use them. So we just forget about them.

If and when more retailers find a way to combat those people who are cheating the system with printable coupons we may change our minds.

We also don’t like those fancy install coupon printers for our computer for every bloody company out there. There has to be an easier way, plus ink costs money.

Who is saving the money now, you or the manufacture when they don’t have to pay to print thousands up thousands of coupons?

Anyhow, back to the Tylenol.  We needed it no matter what so whether we paid full-price or found it on sale it would make its way into our shopping cart.

Unless you want to waste time looking for a cheaper price you may have to do like us and pay full-price for the product or you do without. The problem is there are products out there that we can’t do without and many of them never go on sale meaning we pay full-price for them.

I know there are times when we pay full-price for an item like the Tylenol and a month later or even a week later a coupon comes out but there’s nothing you can do but grin and bear it.

Coupons are great for reducing your grocery budget as is using flyers to make a grocery list but when it comes to specific items having to pay full-price is the only way if you want the item. Another example we talked about last week were people who grocery shop in a rush and pay full-price for items.

Those grocery shoppers get what they shop for and nothing more. They are the grocery shoppers that these places rely on with full-price costing to balance out those getting the sales or the lost leader products that they sell just to get you through the door.

 

Suppliers have a say

 

Even now suppliers are fighting back saying they don’t want the grocery stores advertising their products as loss leaders just to grab customers.

Putting a strict product price on items may be in the future for some items and I certainly can see a war happening either between the grocery stores and the manufacturers or between grocery stores in general.

Either way they are fighting for top spot and for the customer’s attention. They know that if they put the right items on sale that you will shop with them which means all those full-price (I call them over-priced) items you will buy because you are already there.

Let’s face it, many families don’t have time to run from shop to shop looking for deals. Sure you can price match but only at select stores.

Our favourite grocery stores aren’t always the stores we like to price match in. To be honest we don’t really find Wal-mart to be any cheaper than other shops with various products so it’s all hit or miss. Whether you decide to pay full-price for an item or just wait it out is up to you.

If you have company coming over for dinner tonight last-minute and need to run out to pick up some groceries will you be fussy about whether you are paying full-price for snack items and other grocery items? Most often people just put the items in their cart, get in and get out.

They have the planning head going on and making sure that their guests are comfortable and have all the food and drink they need is priority. Mind you, if you plan a dinner party this could be much different.

The point of this post is there are times when we have to either pay full-price for products or we simply do without or go hunting around for the best current price for that week.

You never know what stores don’t advertise in the flyers but you also don’t want to waste your time and gas running around on hope.

Do you pay full-price for items sometimes? Why?

 

March grocery game challenge posts

 

If you missed any grocery game posts for the month I will post the line-up for the month each week here in this section for you.

 

Grocery saving tips

 

Click, Save and Print. It’s that easy!

Free Money Saving Downloads are awesome lists that were created to get us on track to work towards reaching our budgeting goals and now we are sharing them with you.

I hope you take the time to get back on track and start the saving process in your grocery budget today.

Get organized with a FREE freezer inventory, meal plan, shopping list, price comparison list and much more all for FREE. CLICK HERE to download all the free lists and even our family budget spreadsheet for FREE.

NEW!! You can now download the Canadian Budget Binder Budget Spreadsheet in Excel…… Grab it while you can… It’s FREE! We use it to budget.. check it out!

 

Ultimate grocery shopping guide

 

Everything you want to know about grocery shopping in Canada is below with new information added monthly.

If you missed a Grocery Game Challenge post some of the most popular posts are listed below or you can now find the posts listed on their own page called The Ultimate Grocery Shopping Guide.

If you know a topic that should be discussed send me an email and let me know.

 

Food food and more food

 

shopping-cart

No Frills

  • Strawberries 1lb x 2 Sale $1.44 each
  • Bananas Sale $0.57 lb. x 2 lbs
  • Cantelope Sale $1.47
  • Vlassic pickles Sale $1.88 x2
  • Cucumber PM Freshco $0.69

Total out-of-pocket $9.94

Food Basics

  • Scotties tissue Sale $3.88
  • Cheese bars Old x 3 Mozzarella x3 Sale $4.44

Total out-of-pocket $30.52

Shoppers Drug Mart

  • 3 x Sealtest Milk 4L $3.97 each
  • 1 x dozen white eggs sale $1.99

Total out-of-pocket $ 13.90

 

Grocery shop results

 

Yearly grocery budget for two: $2820

(The above total does not include the stockpile budget of $240 per year or $20 per month.)

  • Total Grocery Budget for the Month: $235.00 or $78.33 week with potentially 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 March $235.00
  • Total Coupons Used this Week : $0
  • Total Coupons Used to date: $24.50
  • Total Discounts this Week: $0
  • Total Discounts Used to date: $5.54
  • Total Gift Cards Used to date: $33.18
  • Total Rewards Points Used: $0
  • Total Rewards Points Used to date: $0
  • Stockpile Budget ($20.00): $17.94 (chickpeas dry) + $2.06 (beef) =$20.00
  • Stockpile Budget Used to Date: $20.00+$19.08+$17.94+ $2.06+
  • Total Spent This Week: $54.36
  • Total Spent So Far March: $27.69+ $69.33+$54.36=$151.38
  • Total Over/Under spend this shop: $0
  • Total Over/Under spend for the month: $
  • Total Left to Spend for the Month: $235.00-$151.38=$83.62
  • Total to Carry Over Next Month: $0
  • Total Spent To Date This Year: (does not include stockpile budget) Jan $242.66+ Feb $191.74+ March $
  • Weekly Overview: We didn’t need too much this week as we are still working our way down the freezer. We might look into investing in 2 medium-sized freezers to get rid of the large one we have now before we renovate. The reason is that it is so large that we would never get it up the basement stairs after renovations. It’s best to have smaller ones that we can manoeuver up and down without taking out walls.

 

Coupon Sleuth

 

Did you find any coupons? If so share the details in the comment section of this post where you found it and what the coupon is for with expiry.

GGC coupons March 2014

 

Frequently Asked Questions

 

 

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.

 

  • 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 fans who post their grocery shop who live all over the world.

 

  • 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.

 

  • Does your Grocery Budget include health and beauty and laundry products?

 

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.

 

 

Here are your latest Coupon Match-ups of the week and your weekly Checkout 51 offers 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.

 

  • What is an FPC?

 

An FPC is a free product coupon which means you can get a free product as described on the coupon.

 

 

You can find all your store coupon policies here. If you are not sure it’s always best to call the store and ask.

 

 

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 need to buy this or that.

You may also substitute items in order to stick to your grocery budget to make it work. Nobody is perfect, heck we struggle with this part of our budget like many people do.

This is why the grocery game challenge was created to not only show you that we are like everyone else but to bring us all together to work as a team to get our budgets on track.

If you have just joined The Grocery Game Challenge 2014 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.

Feel free to read all the above posts that I linked to above which I feel are relevant to learning about the grocery budget and grocery shopping in general.

You’ve made a wise decision to take control of your grocery budget now show me your shops and let’s get saving!

Welcome to The Grocery Game Challenge Canada 2014!

-Mr.CBB

 

Money-quote

 

Are You New To Canadian Budget Binder?

I want to be more successful than my father: PF Weekly grab a brew #63

grab-a-brew-online-reviewALL YOU HAVE TO DO IS BELIEVE

 

Sometimes we want to be more successful than others especially if we come from homes where our parents aren’t successful in our eyes.

But what does successful really mean?

Defining what successful means or even being rich means is an inner belief that will differ from person to person.

 

Life lessons

 

When you go to school as a child and see other kids with the latest and greatest toys, gadgets and clothes or boasting about their vacations you wonder why you aren’t either.

As a child shopping at second-hand stores when your friends shop at the mall is hard but for many they have no choice. Eventually they will understand that the reason and unless they understand the value of money you may run into resentment.

Not all children will turn away on their parents but for the most part if they don’t grasp that you don’t have to spend money to be happy they may try to correlate money with happiness.

It’s hard to understand the meaning behind being successful and how hard it is to make something of yourself as an adult or as a parent. I watched this short 9 minute Singapore drama this morning called “Gift” and I hope you do as well.

The young Asian boy lived with his father and he disliked his father because he felt his was unsuccessful and from what I could tell lazy the way he slapped him in the face with a book.

He didn’t understand why he wasn’t unsuccessful and rich which over the years put a wall up between the two of them. As the young boy grew older and ventured out into the working world he gave up on his father.

He was more concerned about being more successful than his father believing that having the career, money and bling was what makes people happy.

Being Rich is not about how much money you have it’s about how much you can give-Father in “Gift”

He goes on to tell his son that somehow “when we give we will be happier”. I believe him because any time that I can help someone whether through a donation or simply my time or expertise I feel better about myself. I feel rich in heart.

You will be a great man…. just BELIEVE- Father in “Gift”

 

Money doesn’t make people happy, love does. Giving to others, loving others and making sure that you give your 100% in all that you do is what makes our world a better place.

These days the children are so focused on technology and what they aren’t getting that their friends are that they are missing the message.

 

Successful parents

 

Not all parents have successful career where they make comfortable incomes to give their children all they want.

When one family is taking their children on vacation to Florida for March Break another is sitting at home spending time together. Money is not what defines people.

It’s nice to have but it doesn’t mean you are not rich when you don’t have what you believe is a successful amount of cash in the bank or no debt etc.

Parents whether single or married work very hard to keep a household going and unless we teach children the value of money they may end up resenting their parents if they lack that richness like the boy in this film.

When I first read to grab a tissue in the headlines of this movie I thought there was no way I was going to shed a tear. Now after watching it three times if you don’t cry or have some form of emotion come over you then maybe you should evaluate what being successful means to you.

I once wrote a post about not comparing yourself to others especially when it comes to wealth rather focus on you and how you can make your world a better place.

Love does not care about money or how much you have or don’t have love is about sharing and understanding that simply waking up in the morning with all your basic needs met is important.

It’s important to take what you’ve learned and to spread the word and help others. Like in the video the father made the son pay his taxes from his allowance I presume and the father matched it. That money went to a great cause the boy would later discover.

Giving your time, making people smile, laughing, inspiring and believing that someone can do anything in this world is what LOVE is all about.

Don’t wait until your parents are gone to tell them that you love them and don’t underestimate how brilliant they are. Your parents know what they are doing and whether you believe they are successful or not boils down to what your beliefs. You only have one shot.

I don’t want to tell you too much but I urge you to watch this video and share this post with everyone you know.

As a parent you know your children look up to you so teach them the meaning of being successful from different perspectives so they don’t grow up to resent you or wish you did more for them.

Grab that kleenex.

-Mr.CBB

Top recipe

 

drunken leprechaun drink St. Patricks Day

 

If you don’t already know I have a second Facebook page online called The Free Recipe Depot where I share recipes from other Foodie Bloggers from around the world.

Once a week I pick one recipe that has been submitted as my Top Recipe of the week. Trust me when I say this is no easy task as some of these foodies can cook up a storm.

This week that recipe goes to a food blog called “Real Housemoms” and today I’m sharing their St. Patrick’s Day drinks “Drunken Leprechaun and “Pot of Gold” cocktails. Enjoy.

 

Weekly CBB posts

 

If you missed any CBB posts from the week here is the list of posts you can catch up on reading!

 

Weekly reads

 

Every week I share a few of the best personal finance blog posts that I read online over the past week with all of you so please enjoy my top picks.

 

Well, that’s a wrap for this PF Friday’s Grab a brew #63. Happy budgeting and I’ll see you here again next week when I do it all over again.

-Mr.CBB

Money-quote

 

Are You New To Canadian Budget Binder?

 

Related articles

 

Pet peeves at the grocery store : The Grocery Game Challenge #1 Mar 3-9, 2014

dairy section grocery storeNOTHING BOTHERS ME MORE THAN…

 

Some of the biggest pet peeves at the grocery store are what motivate people to get in and get out.

I don’t know about you but my pet peeves can vary depending on the time of day to the day of the week that I go grocery shopping.

While I was writing this I decided to put together a list of pet peeves that really get under my skin at the grocery store.

They say not to sweat the small stuff and I really am a laid back kind of guy but there are some things that just make me shake my head.

There are things that get under my skin but I don’t really show how it affects me because it doesn’t benefit anyone but me.

That never solves the problem but deep inside I just wish things would be different. Back to the saying, ‘not everyone or everything is perfect’ and ‘go with the flow’.

 

Pet peeves

 

Not everyone will find my pet peeves bothersome but to be honest, they shouldn’t.

They are my pet peeves and since we are all different I bet your pet peeves will be different from mine.

I won’t be surprised if some of us share common pet peeves but for the most part not everyone wants to pull their hair out because the wrong label and price is on a bunker full of product.

Yes, that’s a pet peeve of mine. Just one of them.

What is the meaning of pet peeve? It’s not when you are peeved off at your pet either. It’s simply something that irritates you to the point where when it happens it bothers you.

Here are a few of my pet peeves that I came up with this morning on my list.

 

Miserable staff

 

I know it may only be a job in a supermarket and not the career you once hoped for but you really do get some miserable depressing people at the check out. Not everyone is like this I’ll admit and everyone is entitled to a bad day now and again but sometimes a smile is all you need.

Happier staff tend to lead to happier customers, it can generate a more positive ambient environment. I’ve also found that the happier the staff are the more willing they are to help you out. They are much more approachable too, why would you want to disturb an unhappy person?

 

Sales

 

When those sales come around it’s time to stock up, or so you think. There are plenty of occasions when you go to the supermarket because they have a sale on (for this instance, fish).

You know it’s a great deal and there is no fine print in the flyer that states “while quantities last” so you head out to go and hunt down some deals.

The problem is, the fish is all gone and they are not getting anymore in and you can’t get a rain check because it’s a one-off “special size“.

That’s almost as annoying as the “one day sale” when you’ve got other things planned and cannot possibly make it in time to take advantage of the deal in question.

I’m not sure if it’s a marketing ploy, but it they only have a limited amount of stock then they should say so. It’s almost verging on the bait and switch tactic that is illegal in Canada.

The ridiculously small special offers that sometimes appear in the flyers aren’t quite as good as you think they are. Watch the sizes compared to the normal regular size and compare the prices per unit, e.g. cost per 100g. You’ll soon notice the sales aren’t as good as you first thought.

 

Irregularity of choice

 

Even though there is a huge choice of pre-made processed foods available in every supermarket the range of fresher foods including fruit, vegetables., meats and cheeses can sometimes suffer from place to place.

You can tell when there is a distinct lack of choice when all you get offered is the large name brands, which tend to be highly processed.

The stock changes from one branch of supermarket to another depending on the local demographic. There is definitely a greater selection of Asian foods at one supermarket close to where we live, but the other branch of the same supermarket doesn’t have anywhere near the same lines of products.

It’s not a complete disaster, just annoying that they think that customers basic essential food items should be based on jarred, tinned and other highly preserved products.

In the end no one supermarket is going to be your only place to shop. There will always be excuses to venture out to the next place and experience something different or find something strange and unusual.

What are some of your pet peeves at the grocery store?

 

March grocery game challenge posts

 

If you missed any grocery game posts for the month I will post the line-up for the month each week here in this section for you.

Since it’s the start of a new grocery game month we have a winner for February! I made a few adjustments to the last few posts I moderated for ballot numbers as I mixed the month up this morning. Instead of going back to change all the posts I made the adjustments in my book. No worries, it was all sorted out. Easy. :) Always track your own ballot numbers.

Congratulations goes out to Lynaka ballot #11! Please email me with your address.

 

Grocery saving tips

 

Click, Save and Print. It’s that easy!

Free Money Saving Downloads are awesome lists that were created to get us on track to work towards reaching our budgeting goals and now we are sharing them with you.

I hope you take the time to get back on track and start the saving process in your grocery budget today.

Get organized with a FREE freezer inventory, meal plan, shopping list, price comparison list and much more all for FREE. CLICK HERE to download all the free lists and even our family budget spreadsheet for FREE.

NEW!! You can now download the Canadian Budget Binder Budget Spreadsheet in Excel…… Grab it while you can… It’s FREE! We use it to budget.. check it out!

 

Ultimate grocery shopping guide

 

Everything you want to know about grocery shopping in Canada is below with new information added monthly.

If you missed a Grocery Game Challenge post some of the most popular posts are listed below or you can now find the posts listed on their own page called The Ultimate Grocery Shopping Guide.

If you know a topic that should be discussed send me an email and let me know.

 

Food food and more food

 

shopping-cart

No Frills

  • x 2 Mushrooms 227g Sale $0.88
  • Romain lettuce $1.49
  • Roma tomatoes Sale $0.88lb  $1.76
  • Eggs 18 pack $2.88
  • Green spring onions $0.88 for 2
  • Potatoes 10lb $1.88

Total out of pocket $10.65

Food Basics

  • Celery Sale $0.88
  • Chick Peas Dry 1kg Sale $2.99 x 6 (stockpile budget)
  • Oranges $0.88lb x 5lbs $4.40
  • Pineapple Sale $1.88
  • x3 Iogo Yogurt sale $1.99-$0.75 -$1.24

Total out of pocket $10.88  with $17.94 to stockpile budget

Shoppers Drugmart

  •  2 x 4L bags of milk $3.97 each

Total out of pocket $ 7.94

 

Yearly grocery budget for two: $2820

 

(The above total does not include the stockpile budget of $240 per year or $20 per month.)

  • Total Grocery Budget for the Month: $235.00 or $78.33 week with potentially 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 March $235.00
  • Total Coupons Used this Week : $2.25
  • Total Coupons Used to date: $24.50
  • Total Discounts this Week: $0
  • Total Discounts Used to date: $5.54
  • Total Gift Cards Used to date: $33.18
  • Total Rewards Points Used: $0
  • Total Rewards Points Used to date: $0
  • Stockpile Budget ($20.00): $17.94 (chickpeas dry)
  • Stockpile Budget Used to Date: $20.00+$19.08+$17.94
  • Total Spent This Week: $29.47
  • Total Spent So Far March: $27.69
  • Total Over/Under spend this shop: $0
  • Total Over/Under spend for the month: $
  • Total Left to Spend for the Month: $235.00-$29.47=$205.53
  • Total to Carry Over Next Month: $0
  • Total Spent To Date This Year: (does not include stockpile budget) Jan $242.66+ Feb $191.74+ March $
  • Weekly Overview: Some great deals this week but we didn’t need much as we have plenty in the house this week.

 

Canadian Coupons Found

 

coupons-March-2014-Canada

Did you find any coupons? If so share the details in the comment section of this post where you found it and what the coupon is for with expiry.

 

Frequently Asked Questions

 

 

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.

 

  • 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 fans who post their grocery shop who live all over the world.

 

  • 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.

 

  • Does your Grocery Budget include health and beauty and laundry products?

 

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.

 

 

Here are your latest Coupon Match-ups of the week and your weekly Checkout 51 offers 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.

 

  • What is an FPC?

 

An FPC is a free product coupon which means you can get a free product as described on the coupon.

 

 

You can find all your store coupon policies here. If you are not sure it’s always best to call the store and ask.

 

 

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 need to buy this or that.

You may also substitute items in order to stick to your grocery budget to make it work. Nobody is perfect, heck we struggle with this part of our budget like many people do.

This is why the grocery game challenge was created to not only show you that we are like everyone else but to bring us all together to work as a team to get our budgets on track.

If you have just joined The Grocery Game Challenge 2014 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.

Feel free to read all the above posts that I linked to above which I feel are relevant to learning about the grocery budget and grocery shopping in general.

You’ve made a wise decision to take control of your grocery budget now show me your shops and let’s get saving!

Welcome to The Grocery Game Challenge Canada 2014!

-Mr.CBB

Money-quote

Are You New To Canadian Budget Binder?