Product pricing less than the manufacturer advertised price : The grocery game challenge #3 Apr 14-20, 2014

pre-priced products Mr. Goudas honey mielPRODUCT PRICING IN YOUR FACE

 

Price monitoring may lead to us seeing more of the manufacturer advertised price printed right on the product we are purchasing at the grocery store.

Back in March I wrote a post about the suppliers fighting back because they no longer want to see their products viewed as the loss leader to get customers through the door.

Some places like Shoppers Drug Mart have a great deal on milk which is why we buy it there every week paired with their Shoppers Optimum program for points however the milk is advertised at below cost pricing from what we were told.

Now that’s not a bad thing from our perspective as a customer because we use milk every day and we want the best prices. We shop more at Shoppers Drug Mart not just because the milk is cheap but also because of the points program and great flyer specials they have.

Does the milk get us through the door? You bet! If we didn’t need milk and eggs which also go on for a great price at $1.99 most weeks we might not go in as much. You know you are a regular when the staff know you by name like they do us lol.

 

Manufacturer advertised price

 

It was the product in the photo above Mr. Goudas Honey with the manufacturer advertised price on the bottle that alerted me to something I haven’t seen before in terms of pricing. However as you can see the store price tag is selling the honey for less than the manufacturer advertised price at $6.49.

Even if it’s only the manufacturer suggested retail price on the product the retailer has to decide whether they want to sell it at that price or lower the price. You won’t see the price any higher than the labelled price because that would simply make no sense whatsoever.

In a way I see this as the manufacturer forcing the retailer to make a pricing decision based on what the manufacture advertised price is on the product. They know that the retailer won’t drop the price too drastic so they cap it off at what they believe the price should be and hope for the best.

I don’t know of any product pricing laws in Canada besides the scanning code of practice but that’s not a law it’s just voluntary however you never know what lurks around corners.

Sure, we look at that immediately as it’s a great deal because we are paying less than what they originally wanted. Who is they? The manufacturer of course by why are they putting prices on the products now?

Maybe they are trying to force the stores to sell the product at that price and this is what we have to look forward to in the future. This may also be a way for the manufacturer to control the pricing from going higher but not so much lower at the moment.

We often hear of friends and fans of the blogs going over to the USA to do shopping and it’s because the price gap between the US and Canadian products makes that trip worthwhile for them.

Even though you factor in toll costs and travel time and gas for cross-border shopping once you do the math with your grocery bill you still may save more money than if you simply shopped at home in Canada.

Do we want to keep the money in Canada? Sure we do but pricing and budgets matched with what Canadian families can afford may just draw them over the border.

Do you think we will see more products with a manufacturer advertised price on them? What do you think of this type of pricing by the manufacturer?

 

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. :)

 

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

4 x Frozen Wild Salmon- Sale $6.97 reg $10

Total out-of-pocket $27.88

Grocery shop results

 

 Wild Pacific Salmon

 

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 : $0
  • 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: $27.88
  • Total Spent So Far April: $202.45
  • Total Over/Under spend this shop: $n/a
  • Total Over/Under spend for the month: $n/a
  • Total Left to Spend for the Month: $39.31-$27.88= $11.43
  • 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 are away for the week so we are eating at the relatives so we didn’t need too much in terms of shopping, well nothing lol. We did pick up the salmon since it’s such a great price and we love it. We don’t have much left to spend for thee month with the stocking up we’ve done. We do have $70 in PC points now to use if we need to.

 

Coupon Sleuth

 

We didn’t find any coupons this week since we didn’t really shop.

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

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Walmart USA getting smarter with pricing: The Saturday Weekend Review #64

Walmart savings catcher receiptsBEAT OUT THE COMPETITORS

 

Walmart USA is making headlines again with more pricing strategies which I think is smart.

Pricing wars are not only popular at the grocery stores in the USA but also here at home in Canada.

With recent talks of suppliers upset over the low pricing of products just to get customers through the door with what they call loss leader products things could change.

A loss leader is a pricing ploy where a product is priced under the marketed cost or what the store purchased it for just to get you, the customer through the door.

I was right when I said to save those receipts and now more than ever if you are using your receipts to save money with the new apps available you are thanking me for suggesting you keep them all in an envelope to do your budget.

Already retailers will do just about anything to drive customers in to use coupons, price matching and now introducing smart phone app programs such as Checkout51, Snapsaves, CartSmart and PC Plus points.

Just last week I was shocked when Food Basics in our area said they now allow printable coupons. There was a time that they never accepted them which meant we shopped elsewhere. The game of grocery just keeps on getting more competitive and it’s not going to stop.

I was reading an article this morning that says now Walmart USA recently came out with a new online tool called a “Savings Catcher”. Now the idea is that it tracks advertised prices of thousands of products online. If a lower price is found at another store the discounter will refund the shopper with an in-store credit.

I don’t know the in’s and outs of the Walmart USA program but it sounds interesting from what I read of it. My understanding is that you set up a Walmart account at www.walmart.com then log onto the Savings Catcher page.

When you come home you enter data from your receipt at the Savings Catcher page and the computer system does the checking for you. If it finds a product at a lower price they will give you a store credit. Brilliant!

 

Automated savings

 

I’m not sure why they would have to wait until the customer gets home to do all of this. Why not have it automatically set up at the store. If the customer signs up for an account have the cashier punch in a number or swipe a card and let the computer do the work right there and either give the customer a store credit or take the money off the bill. Seems too easy, but maybe in the future.

In Canada you can price match which would be similar as well as do a product price adjustment at many retailers provided they offer this.

For example if you make a purchase at Canadian Tire for a product and the next week it’s on sale in the flyer you can go back for a price adjustment although you will get actual cash back not a store credit.

What I thought was pretty cool is that Walmart USA simplified their price matching policy but having all the competitors prices on hand for the customer. This eliminates the need for the customer to drag in all the flyers, spread them on the grocery belt holding up other customers.

Most stores that allow price matching also allow you to show the price on your smart phone but if you are like me and don’t own one you have to bring the flyers into the store with you which is a pain in the backside.

I thought it was a brilliant idea to have the competitors lowest advertised prices for the week ready on hand so all the customer had to say was that they were price matching to such and such a store and the cashier had the info.

How smart was that? I’m pretty sure there are faster ways of doing it with all the technology we have today and in the future I’m betting it will all be computerized.

There will be no need to even tell the cashier the computer system will automatically detect the lowest price and you will get that price. Some stores like Freshco go a step further and beat that lowest price which would be an even bigger perk.

All I have to say is smart going for Walmart but who knows if we will ever see these time and money saving perks in Canada.

How far will retailers go to get you in the door to shop?

 

Weekly CBB posts

 

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

 

CBB at home and the blog

 

It was a super busy week for us here in the CBB house as we ventured over to the Home and Garden show right in Toronto which was amazing. We did manage to buy something for the house which I will talk about later on in a blog post.

It was interesting to see the dream home that they had on display. The layout and colour choices were similar to our tastes. They had a lovely sunroom that anyone would have loved to sit in all year long with a two-sided gas fireplace. The kitchen was grey which went well with the house and it’s an unusual but popular colour this year in many homes.

We spent the entire day roaming around and getting pulled in by salespeople to make a purchase. The best part was all the sampling. Boy did we have some yummy samples.

Other than that I’ve been sick with the flu the past few days and I just hope the sun gets here at a faster pace. Nothing too exciting happening with the blog at this time although it’s been nice to see more people commenting on blog posts. It’s important to me that readers leave a comment it shows me that they read the post and was interested in the topic.

Have a great week everyone.

-Mr.CBB

 

Fan deals and inspirations

 

laundry soap deals

Submit your Brag or Inspiration If you have a brag that you want me to share email me at canadianbudgetbinder (@) [yahoo] [.ca] or fill out my contact form by Friday each week to have your brag considered for the Saturday post.

This week Nicola shares here steal of a deal on laundry soap which is hard to pass up at this price.

Hey Mr.CBB

Here you go this is the deal I found this week while I was out grocery shopping. I price matched the following products with Canadian Tire at RCSS

  • 9 bottles of Arm Hammer $2.99 with $1.25 coupon = $1.74 each
  • 2x 6pks of Royal tissue paper $3.99 with $1 coupon = $2.99 each
  • Total spent $21.64

-Nicola

 

Making a difference

 Mario Bonifacio

If you know a personal finance blogger that is making a difference and want to nominate them please send me an email so I can reach out to them for a feature story.

Note: If you are a blogger who gives back and would like to be featured by all means get in touch with me as I am filling spots up for the rest of 2014 and they are going quickly.

Today I’d like to introduce you to my blogger friend Mario Bonifacio who blogs over at Adventures in Frugal. Check it out!

Hi Mr.CBB and Fans!

More than any other goal, my hope is that readers of my personal finance blog “Adventures in Frugal” are able to find inspiration to get a little more enjoyment out of life using frugality, debt pay-down strategies, and the other personal finance tools that I discuss.

I see my blog as something of a hybrid: I share frugal tips and other personal finance knowledge including thoughts on saving and investing. But I also discuss how to tie that personal finance knowledge back to happiness; and how to use personal finance as one tool to help me chase my passions.

I think that far too many people wrongly look at frugality where the only step is doing less of everything. I see it as a long process of getting to know yourself to figure out what you really care about – not just to spend less on the things that matter less, but to focus your time, effort, and money on those things you’re truly passionate about.

This has been true of my own experiences.

I started this blog at the beginning of 2013 as a way to document my personal journey out of debt and to hold myself accountable to the judging eyes of the internet.

What I quickly found was that paying off debt, learning ways to live more frugally, and otherwise getting my financial house in order, didn’t just help me out on paper; it made me more confident about chasing all the adventures I’m passionate about.

It’s this same confidence that I hope to impart on my readers.

 

What is a blog carnival?

 

Some fans have asked me “what is a blog carnival?” so a little explanation is due here for anyone reading for the first time or for my long-time fans.

A blog carnival is where a blog or website hosts what we call a carnival of blog posts from around the web. Most blog carnivals have a theme and certain rules for submitting which must be followed.

If you are a blogger and would like to learn what blog carnival directories I submit to each week you can find the information in a previous Saturday Weekend Review post that I wrote.

 

Carnival glory

 

A big thanks to these pages for accepting my blog posts and sharing them in the following carnivals and/or sharing my blog posts with their fans.

Carnivals

Blog Mentions

 

Google search terms

 

 

Google-web-search-terms

Every week I get thousands of people visit Canadian Budget Binder because they did a search online and found my blog. Keep in mind any spelling errors below are because I share with you the exact way they typed their search engine query to land on my blog.

Here are a few of my favorite searches that may have even brought you here and you’re reading this, right now.

  • Optimum Shoppers Points Cheat- Ya, you don’t want to be cheating the system you’re only bound to get caught
  • Canada Pot Smoker Life Insurance- Hmmm not sure about that one.
  • I want women for….- I don’t know you finish the sentence
  • Is bread with an expiry date of Feb 25 too old?- I just don’t understand sometimes lol…
  • Never be proud of yourself- Way to motivate…

That’s all for this week’s edition of The Saturday Weekend Review #64. Have a great week and catch me here again next Saturday with more updates.

-Mr.CBB

 

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Photo Credit:freedigitalphotos.net/patpitchaya

 

The Saturday Weekend Review #52: Should all computer pricing errors be honoured?

Pricing-ErrorsTO HONOUR A PRICE OR NOT

 

We’ve talked about pricing errors before here at Canadian Budget Binder which is essentially either a glitch in the system, human error or simply a price not being changed properly.

Earlier in November I talked about an online glitch for Wal-Mart but they did give back to the customers in question with a $10 gift card.

In Canada we call this the Scanning Code of Practice (SCOP) which most stores follow such as Wal-Mart, Shoppers Drug Mart and No Frills just to name a few.

The short story is if a price scans higher than the shelf price you get the price free up to $10 or a $10 deduction from the price if it is over $10 in cost to you, provided the store participates in the program. Sounds great, and it is as long as you are aware of SCOP which sadly, many people are not.

I was reading a story on Yahoo this morning about a computer glitch for Delta Airlines apparently caused by a junior programmer. Prices for first class flights were being offered at prices that no one could refuse and they were being snatched up and fast.

Word broke on Facebook as people bragged about the extreme deals in no time at all. Deal seekers were flocking to book round-trip flights to Hawaii for cheaper than a dinner out on the town for two at a swanky restaurant which for us is under $100. It was quickly shut down but anyone who says word of mouth marketing doesn’t work is sadly mistaken.

Sure, I was jealous of the people who picked up the cheapo tickets but I thought for sure they would not be honoured. I was wrong because in the USA price glitches like this have to be honoured.

Interesting but in all honesty I think it’s good customer service when you honour an error that happened even if it was a glitch in the system. We are using computer technology for everything these days so in this case the consumers are being protected by this regulation.

New Department of Transportation regulations, aimed at truth in advertising, require airlines to honour any mistake fares offered.

 

System error

 

Just before Christmas we were shopping at Zehrs and we are involved in the new PC Plus program where you load specific deals and promos to your card once they send you an email.

We do this every week and while grocery shopping we noticed a gift card that we thought we had to drive out-of-town to get on a gift card rack. Needless to say we were thrilled and picked up a $100 gift card which finished off one more Christmas gift.

When we scanned in our order with the self-serve checkout we noticed that they gave us a bonus 20,000 points which meant we got $20 in points. At the time we had no idea why but it was when we went home and looked up on the PC website it was where we learned about the promo.

Like many people those we failed to read the full details but none the less their system let the points make their way through. We were thrilled and even the cashier said that it was a promo and that it was great that we were awarded the points.

I decided to try another gift card to see if it would give us the points again but it only seemed to be a one time deal which was fine with us.

I believe it was about a week later when we received an error message email from Presidents Choice telling us about the errors that had occurred and that they were correcting them and removing the points from said accounts that received them.

Apparently gift cards were not part of the promo but for some reason the computer allowed the system to award those who bought gift cards the promo deal of 20,000 points when you spend $100. Bummer.

It was a glitch on their end but it was not honoured. I guess we can’t have it all, so much for a discounted Christmas gift. I wondered why they wouldn’t honour is since they follow the scanning code of practice but I guess there are no laws and regulations that say they have to so the points were removed.

I’m curious to learn how business owners big and small are protecting themselves from any type of pricing errors whether they have disclaimers, honour pricing errors and how they deal with customers to keep them happy when an error happens.

Have you ever had any type of computer glitch that was not part of the scanning code of practice honoured? Should retailers in Canada have to honour such glitches or will it do more harm to the business if it’s not in a position to do so?

 

Canadian Budget Binder this week

 

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

 

CBB at home and the blog

 

Sick, Sick and more sick that has been the extent of our Christmas holidays if you haven’t heard me whine about it as of yet. I’ve been so ill the past 2 weeks and now my wife is sick with the exact same thing. Needless to say our holidays have been filled with Halls and lots of cough medicine and rest.

Other than that we’ve enjoyed our time with our family for the holidays and plan on celebrating New Years with them as well. We have to make up for lost time eating food because we haven’t been eating too much and just staring at all the food makes us drool but when you can’ t taste it, there’s no point eating it.

Getting back home we will be in full force in our home gym and getting back on track with our running and working out every single day. In 2014 it will be all about fitness, eating healthy and sticking to that budget.

 

Fan deals and inspirations

 

 new-leather-boots

Submit your Brag or Inspiration

If you have a brag that you want me to share email me at canadianbudgetbinder (@) [yahoo] [.ca] or fill out my contact form by Friday each week to have your brag considered for the Saturday post.

Hi Mr.CBB and fans,

I thought I would send you a quick email with a photo of the new boots I went and bought the other day after reading your Friday Grab a Brew post. Thanks for answering my email so fast to tell me where your wife bought her boots.

I too have size 10 feet and when I read the deals your wife got on boots at Sears Canada I went out to find me a pair. Once I got there I was shocked at the rock bottom prices but when I asked the sales lady she told me they needed to make room for the new line that was coming in plus it was Boxing week sales.

The boots in the picture are a light brown leather high heel boot which retails at Sears Canada for $249.00. The day I purchased them they were reduced with a red sticker to $149.00.

The boxing week deal scored me the boots a final price of 50% only because I found a couple of scratches on the boots. I remember a blog post where you talked about if you see a defect not to be shy to ask for a discount, so I did. So, instead of the 40% off they gave me 50% off costing me $75 plus tax for these boots.

Thanks for such an awesome blog Mr.CBB

-Kristen

Making a difference

 

Making a difference is a part of this post where I share a personal finance blog that I interact with daily and has made a difference in my life.

I have asked the blogger to introduce themselves, their blog and how they want to make a difference with their blog for the fans and for themselves.

Today, I bring you my dear friend Kelly from “Staying on Budget” who, like us enjoys using a budget and wants to keep debt at bay because she understands that spending less than you earn is critical to the success of any budget. Check out her blog as she shares their major home improvement DIY projects for the world.

staying on budget home renovations

Hi Mr.CBB and Fans!

My name is Kelly and I run the blog “Staying on Budget”. Thank-you for having me stop in to participate in the “Making a Difference” feature of the week.

Staying on Budget was started to share my journey of getting out of debt and diy-ing a house. My goal is to share how to balance saving money, getting out of debt, and home improvement projects.

I hope the blog is making a difference by sharing how it is possible to tackle both large and small budget items…and how it takes time but anything can be done.

Some of the topics the blog covers include the grocery budget, starting a side hustle, and managing time. The blog’s goal is to share the process of making extra money through side projects and how to maximize the budget. It’s possible to live a full life while getting out of debt and tackling other projects or expenses.

I started the blog to share the journey a lot of people are facing right now. Student loan debt is a huge problem and I hope my story inspires others to pay off the debt quickly or not go into debt at all for school.

In addition to paying off the debt, I wanted to share the process of fixing up a house on a budget. It’s not easy and I didn’t see a lot of blogs that were quite as extreme as my situation with well into six figures of student loan debt and a house that needs a complete makeover.

I hope people are inspired to take on projects by reading Staying on Budget whether it’s a new side hustle or a home improvement project or just save some money by making laundry soap!

-Kelly

 

Blog post sharing

 

I really appreciate when other blog owners recognize my hard work at Canadian Budget Binder and share my posts with their fans or even mention my blog on their blog or website.

Here are the blogs that did just that this past week, so please head over and check them out. If I’m missing you it’s because I didn’t get a ping back so please send me an email and I’ll add you next Saturday.

Since it is the Christmas holidays many personal finance bloggers have been taking a break from blogging so not too much link love for Canadian Budget Binder this week.

Let’s see what the new year has in store for CBB and all the blogs we follow and share with all of you.

 

What is a blog carnival?

 

Some fans have asked me just what is a blog carnival so a little explanation is due here for anyone reading for the first time or for my long-time fans. A blog carnival is where a blog or website hosts what we call a carnival of blog posts from around the web.

Most blog carnivals have a theme and certain rules for submitting which must be followed. If you are a blogger and would like to learn what blog carnival directories I submit to each week you can find the information in a previous Saturday Weekend Review post that I wrote.

 

Carnival Glory

 

A big thanks to these pages for accepting my blog posts and sharing them in the following carnivals………..

 

Google-web-search-terms

Every week I get thousands of people visit Canadian Budget Binder because they did a search online and found my blog. Here are a few of my favorite searches that may have even brought you here and you’re reading this, right now.

  • Canadian Quickies- Hmm, I think this goes back to when I used to hold my Quickie Contests although I’m pretty sure that’s not what they were searching for. :)
  • Why are there no good Boxing Day sales anymore?-  Glad I wasn’t the only one who noticed
  • Money isn’t everything, Love is much better- That is correct!
  • No Christmas bonus or even a thank-you- Well, sometimes that’s the way life goes even though out of respect it would be nice to have your employer thank-you for being a valued employee and Happy Holidays.
  • Skype to Heaven- It is that time of year you know.. so make sure you tell the people you love, that you love them while they are here.

That’s all for this weeks edition of The Saturday Weekend Review.

-Mr.CBB

 

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

pricing-errorsPRICING 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 simple click of a mouse and entering your credit card info or using services such a PayPal to complete the purchase.

I was reading online the other day about how a glitch on the Wal-mart website in the USA caused a ripple of  “start the car” moments on social media. Apparently from what I read it was human error that occurred which caused pricing errors online.

Wal-mart is not fulfilling these orders and I can understand why as the prices were just too good to be true. Customers were scoring deals on computer monitors for $9.00 and absurdly low prices on televisions and other items that were clearly priced incorrectly.

The interesting part is that where you might save if you wanted to get that fancy computer monitor for $8.00 if you needed some kool-aid for your kid you were looking at around $70.00 a packet. Yes you read that correct and to be honest anyone would know these are all pricing errors simply because no one sells something for $70.00 that retails at best 2/$1.00 when on sale.

I think as consumers we must be ready for these types of online gitches even if retailers have a powerful technology team behind the scenes because no one is perfect. In Canada we have the scanning code of practice (SCOP) in many big box stores which I’ve talked about numerous times as it’s a big topic for shoppers. This would be a perk if the item was higher than the shelf price and for that Kool-aid if you were in-store that would have been free under the scanning code of practice.

Although there is no scanning code of practice that I am aware of in Canada for online pricing who knows if in the future stores will put together some policy for those that do get caught up in a computer glitch like what happened with Wal-mart USA customers.

 

Taking care of customers

 

Wal-mart is obviously not honouring the outrageous pricing deals that were posted on their website to those that actually purchased them but are sending out $10.00 Wal-mart gift cards in return for the glitch they were caught up in.

I think that it’s great that Wal-mart took that extra step for their customers but I also think that this might be a turning point for those online retailers who are scratching their heads now wondering how they would have handled this situation.

I don’t know if it will go as far as online pricing guarantees similar to a SCOP but if not I think a simple tweet or email to let them know of the problem will be just as helpful. One of my fans pointed out that even with SCOP and where stores are honouring pricing errors to customers as free or heavily discounted might be one of the reasons high prices comes back to bite us in the arse.

It may be true but at the same time a happy customer is also important because that is revenue that keeps coming back or looping if you wish because the customer returns over and over to spend more money.

One comment by a reader Charlie Sommers at Bloomberg.com where I read more about the pricing error was spot on when he left the comment he did below in quotes.

I believe that if a store has a policy in place such as SCOP then as a consumer you have the right to bring it to their attention if it falls under the policy and be awarded what the policy states.

If there is no policy then simply understanding that a problem has happened and needs to be sorted out but letting them know is also the right thing to do. If a cashier handed me back too much money I would without a doubt let her know and it give the money back.

I don’t have much to show for my journey through life so far but I do have a bit of integrity. I would not expect someone to honor an obviously incorrect price that was made because of a computer glitch but then I’m the kind of guy that will point out the mistake to a sales clerk if they give me too much change. Honesty is the best policy and it’s nice to think about karma.

As a consumer do you think Walmart should have honoured the online pricing deals?

What would you say to the consumers who are causing a stink about not getting the pricing deals?

 

Canadian Budget Binder this week

 

Just in case you missed any of the awesome posts at Canadianbudgetbinder.com this week I’ve got them all below for you.

Happy Reading.

 

CBB at home and the blog

 

I’ve been super busy this past week and this upcoming week I’m out-of-town on business so I’ve been taking a back seat when it comes to the blog but am still coming around to read my favourite personal finance blog posts. I think one of the hardest parts about blogging is keeping up with social media and your networks of blogs that you read every single day.

With over 100 blogs that I follow and not all personal finance I do my best to get out there and read and comment as much as I can. I think that taking the time to read a blog post from start to finish and leaving a meaningful comment is more important than slamming up any old comment just to say I’ve been around.

I respect those bloggers and all of my fans that read my blog posts and leave comments.

At home all of our Fall decor is now down and put away for the season although the hanging fern plants are still wild as ever and as much as I would like to keep them indoors over the winter i won’t be this year.

We tried that last year and it turned into a right disaster in the kitchen with dead fern leaves falling to the floor and the dog just making a blinkin mess of them. No stress this year for us and the only plants that came in are the plants that need to be over-wintered like the lime, pomegranate, figs, mallow etc.

As soon as remembrance day is over I’ll be getting outside to hang our giant lit up wreath that we bought at the end of the Christmas season last year for dirt cheap. Then I will slowly work on decorating indoors with the bits and bobs we’ve collected over the years. The  Christmas tree I’m contemplating when to put it up.

When do you put up your Christmas tree?

 

Fan deals of the week

 

This week Canadian Budget Binder fan Cynthia shares her amazing garage sale find that I want to share with all of you. If you love to go to garage sales you can even find indoor garage sales throughout the winter or simply looking for deals on-line to save some cash.

I wrote a post a while back sharing some of my favourite ways for buying and selling at garage sales. If you understand or practice the art of negotiation you can negotiate just about anything you want.

You don’t always have to buy brand new because chances are you will find someone who has the same item you are looking for or a similar item like Cynthia found below. Just last week the wife and I found some face cream that she loves on Kijiji that was unopened but for a deep discount price.

Submit your Brag

If you have a brag that you want me to share email me at canadianbudgetbinder (@) [yahoo] [.ca] by Friday each week to have your brag considered for the Saturday post.

yard-sale-vs-outlet-mallCynthia-

I know I haven’t been around much lately but I had to brag a little! I couldn’t think about parting with $40 for those cute brown boots. Stopped at a yard sale, got a cute pair for $4!!

Making a difference

 

disease-called-debt

Hello! My name is Hayley and I’m a personal finance writer and blogger currently documenting my family’s journey to debt freedom through my blog A Disease Called Debt.  I started the blog in January 2013 as an outlet for my thoughts (and despair) at that time about our debt situation.

My hubby and I have been in debt for around 14 years now and although we have paid some of it back from time to time, it has only been this year that we’ve been heavily focused on debt repayment. Despite earning less than half of our salaries compared to a few years ago, we’ve actually achieved more success this year than ever before!

This success stems from changing our mindset about our finances once and for all. We have a shiny new budget that we stick to and we try to make extra money wherever possible to pay towards our debt.

I’m so glad I started my blog because whilst doing so, I became part of the brilliant personal finance community which I’ve found to be very inspirational and supportive. Throughout my blogging career so far, I’ve been motivated by the success stories from other bloggers and have found many resources and tools to help my family in our own situation. Blogging has also made me accountable to my readers – that in itself motivates me to tackle the debt with a vengeance!

Many people are in debt these days and it can be hard to see the light at the end of the tunnel. I’m hoping that my blog will provide inspiration, help and advice to others in similar situations. By tackling debt in a positive and proactive way, it really is possible to turn a hefty debt situation around!

 

Blog post sharing

 

I really appreciate when other blog owners recognize my hard work at Canadian Budget Binder and share my posts with their fans or even mention my blog on their blog or website.

Here are the blogs that did just that this past week, so please head over and check them out. If I’m missing you it’s because I didn’t get a ping back so please send me an email and I’ll add you next Saturday.

Just one site shared CBB this week so a big thanks goes out to Urban Departures for recognizing CBB and taking the time to share with their fans. :-)

 

Carnival Glory

 

 

Google-web-search-terms

Every week I get thousands of people visit Canadian Budget Binder because they did a search online and found my blog.

Here are a few of my favorite searches that may have even brought you here and you’re reading this, right now.

  • Canadianguestroom- I kind of liked the sound of that for a blog name
  • It feels so good to have money in the bank- I think this is going to be my next blog post because it really does feel good to have money in the bank and although it is easier said than done I believe with motivation and education everyone can save something.
  • Money will kill the relationship- In many cases money is the number one reason a relationship will fall apart but I believe that if a couple truly is in love they will find a way to make money a part of the overall world they are creating together and make it fit. You don’t always have to have the best of everything.
  • Tired of lazy people- Well we can’t change the world but if we motivate the world and we motivate ourselves to be the best we can be then that is what matters the most.

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Related articles

The Grocery Game Challenge Oct 28-Nov 3, 2013 #4- When the price is right and wrong

Walmart-kraft-dinner-whole-wheatI’LL TAKE TEN AT THAT PRICE…NOT!

 

For the most part as customers we expect product pricing to be accurate when we grocery shop.

I’m betting that a good majority of people don’t watch the computer screen when their order is being scanned in.

Not being mindful at the cash may mean you might miss out on opportunities to score some freebies and or help the store to correct issues in the system and in this case today outside of the scanning system.

 

Speak up and help

 

As a regular customer to a few local grocery stores I always do my best to help the store out if I see a problem and I at least hope they appreciate it.

In my eyes we are the watch dogs for the grocery store because it’s such an intense system that even the slightest error could cause a customer to get upset or in this case laugh a little, OK I laughed lots.

I don’t know about you but I’m pretty sure my wages won’t allow for me to purchase a box of Kraft Dinner at $172 a box.

I’m also pretty sure that I’ll never have an opportunity to see if Kraft Dinner hits the high price of $172 in my life-time but maybe your kids, kids, kids, kids might.

If you are a pricing warrior at the grocery store like I am you know your prices and you know when you see a product price error instantly.

The scanning code of practice if you are not aware is when a product price is labelled on the shelf $1.00 for example and rings up at the cash register for $2.00.

In that instance you could ask the cashier to adjust the price after checking the correct price as well as to apply the scanning code of practice (SCOP).

The shops do this so they are held accountable for pricing errors that may be charging the customer too much money.

While on a trip out-of-town for work I stopped in a local Wal-mart on my lunch break to be nosey.

OK, the truth is I wanted a free McDonald’s coffee too but decided to waste some time and walk around to see what goodies I could find.

 

Price is right and wrong

 

I just so happened to stumble upon this beautiful photo opportunity that I posted above of Whole Wheat Kraft Dinner and the ridiculous price.

There was only one other customer in the vicinity who watched me take a photo and say there was no way I’d ever pay $172 for a box of Kraft Dinner. I don’t eat the stuff but it’s pricing errors like this that make you go hmm. Who was half asleep when they posted this price?

I’m sure you have seen many errors in the grocery store if you are mindful but do you bring it to the attention of the staff to get it changed like I did yesterday with this Kraft Dinner? That wasn’t the only pricing error I spotted neither.

I don’t have a photo but they had the cases of Nestle water on sale on the front page of their weekly flyer for $2.44 a case of 24 Nestle but the giant sign in front of the wall of water was listed at $2.47.

Now, some of you might laugh at me saying it’s only a few pennies but in my head what do you think the first thing was that I thought? That is correct if you said, scanning code of practice.

I grabbed a case only to find out that it was in fact scanning in at the sale price of $2.44 so my only conclusion was the pricing person that night either didn’t sleep so well or really didn’t give a rats about pricing the products.

Heck it could have been 2 different people for all I know as I’m only having a laugh but it’s errors like these that could potentially cost the customer and the store depending on how the pricing error falls.

When I got to the cash I did inform the cashier of the price of the water and pointed it to her as it was in plain view. She laughed and said she would get someone to change it right away. I waited in line for a good 5 minutes and she did nothing at that time.

I am hoping that she did inform someone to make that change but it leaves me to question whether the grocery store is as fired up about pricing on the shelf if it rings up correct as opposed to when a customer can get a SCOP and the system price is wrong? I’ve been to shops where SCOP was applied and they immediately fixed the pricing error in the computer system but this was different.

Would you tell the grocery store if you saw an abnormal or incorrect price on a product that was scanning the proper price?

Do you find incorrect scanned products are still incorrect the next time you go shopping and you can get another SCOP because of the grocery stores lack of not correcting the pricing error?

 

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 freezer inventory, meal plan, shopping list, price comparison list and much more all 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!

 

October Grocery Game Challenge Posts

 

 

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Missed past Grocery Game posts? Catch up on all the latest grocery saving posts below!

 

Food food and more food

 

what-is-in-mrcbbs-shopping-cart

Food Basics

  • 4 x granulated sugar Sale 2/$3.00
  • Sweet potatoes $6.00 ( I bought lots but they can get pricey)
  • Tre-Stelle Ricotta $4.99-30% ($1.50)
  • Reduced produce pomegranate x3 $2.49
  • Reduced produce cauliflower $0.99
  • Reduced produce oranges and apples $0.99
  • Bananas $1.97
  • 6x OB Tampons 40′s Sale $3.99-$2.00

Total out-of-pocket $ 35.64

Wal-mart

  • Carrots $1.67
  • 1 x cucumber Sale $0.97
  • 4 x sesame oil sale $3.98
  • Kraft Peanut Butter $3.97
  • Tub of bread crumbs $1.68

Total out-of-pocket $24.21

grocery shop 4 October

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 October $235.00-$21.12 (overage September)= $213.88
  • Total Coupons Used this Week : $12.00
  • Total Discounts this Week: $0
  • Total Gift Cards Given Used this Week: $0
  • Total Rewards Points Used: $0
  • Stockpile Budget: $0 Used $20.00 (ham)
  • Total Spent This Week: $24.21+$35.64= $59.85
  • Total Spent So Far for October $67.71=$69.08+$59.85=$196.64
  • Total Over/Under spend this shop: $0
  • Total Over/Under spend for the month of (October): $0
  • Total Left to Spend for the Month: $77.09-$59.85=$17.24 left to spend this month
  • Total Coupons Used This Month: $2.25+$12.00=$14.25
  • Total to Carry Over Next Month: $0
  • Total Spent To Date This Year: $206.95 (Jan)+ $160.77 (Feb) + (March)$169.62 + (April)$397.74+(May) $155.68 + (June) $216.01+ (July) $235.83 + (August) $182.35 + (September) $255.69 + (October) $196.64=  $2177.28 (does not include stockpile budget)
  • Rendezvous Account: $65.38+$17.24 =$82.62<> 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: We didn’t have too much to buy this week as we have plenty of food to use up. With us being gone one week this month and considering we should have a no shop week we were happy with this months grocery game challenge success.

 

 Canadian Coupons Found

 

Canadian-coupons-October-2013

 

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 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.

 

  • 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 budget to make it work. Nobody is perfect, heck we struggle with this t of our budget like many people do and this is why the grocery game challenge was created.

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.

Welcome to The Grocery Game Challenge Canada!

 

-Mr.CBB

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