grocery game monthly challenge

The Grocery Game Challenge Dec 31-Jan 6 #1~Happy New Year 2013

Happy New Year’s to all my fans here at Canadian Budget Binder. The Grocery Game Challenge has been amazing this past year and I know 2013 will be even better. We have had fans from Canada and the USA post their grocery shops weekly and we are growing each month with more people who want to stick to their grocery budget. If you are looking for ways on how to save money post your shop in the grocery game each week. I often have people email me to ask me “How much should my grocery budget be?” but the question should be “How much can I afford?” to spend in the budget.  I can’t tell you the amount of people who are looking for magic numbers telling them what they need to spend on groceries every month. I’ll tell you all loud and clear you are the one holding the answer to your question. No one on the internet can tell you what to spend. Once you figure out your monthly budget using your net income the numbers should fall into place. Balancing the budget is the only way you will know how much to spend and besides there may be […]

Back to School Student Budget For College or University

Do you need a back to school budget? I always say yes but it’s up you what you want to do with your life. I don’t think schools offer debt management degrees so either you buckle down or risk more debt than you can handle after school. I get so many emails from students wanting to know how they can budget their money when they go to school. Budgeting doesn’t need to be stressful as it is fairly simple. Now is the time to prepare your finances if you are University or College bound. Some people make a budget look harder than it actually is but for some just starting a budget is the most terrifying part of the process. A budget can alter someone’s life that is used to spending money and not being accountable for it. You may even need to learn how to say no I’m on a budget if you’re the type that gives in easily, especially to your friends or a shopping addiction. It’s an important time in a student’s life and this is one area many graduates say they wish they had prepared better for. Spending money frivolously while you are in school will come […]

February 2012 Canadian Budget Binder Budget Update

$ How much did you spend this month? Well here we are again folks at the end of another challenging month for us. We have worked hard at making changes to our budget as we had found some flaws in our 2011 budget. We also went ahead and simplified the budget so we are putting away money each month for purchases we KNOW will happen this year. That way the money is saved bit by bit monthly and no surprises when it comes time to pay it. We also don’t want to use our emergency savings for bills that are not an emergency. So here are our last figures for February 2012.  I thought we would be over budget after the 20x points event at SDM but we are on track. These darn events are amazing but can put a dent in our grocery budget. The good thing though is we only buy items we WILL need and WILL use so our future grocery bill will be less. You can’t deny that  Shoppers Optimum Points is the best loyalty program out there. One reader asked about our grocery budget and what it includes. My answer was all household cleaning products, pet […]