How To Lower Household Expenses Without Guilt : Our March 2017 Budget Update

THINK BEFORE YOU ACT ESPECIALLY WITH YOUR FINANCES.   Giving up something doesn’t have to mean giving it up for good. One comment I often hear when I offer budget help is that it’s so hard to reduce household expenses without feeling guilty. This guilt often leads to even more debt being created because of letting people down, including themselves. The provider(s) may feel they are not good enough to support their family which creates inner turmoil and struggles. No one wants to say you have to give something up, especially to a child. Anyone who has direct access to money or that is affected by the money will feel loss when something has to be chopped. A reader asked me how to deal with guilt while I was assisting them behind the scenes with their monthly budget. I know she will read this but now she’s in a better place and has her budget under control and her family is on board.   Guilty or not guilty   How do you deal with financial guilt? You don’t- You jump over it and move on. You need to keep things under control and by doing so you’ll gain support by […]

grocery game monthly challenge

10 Everyday Products You Should Sniff Test Before Buying : The Grocery Game Challenge 2017 #4 Mar 20-26

NEVER UNDERESTIMATE WHAT YOU ARE PURCHASING.   To smell is a gift and most often we shop with our eyes and nose because trying products first isn’t always an option. This is why you’ll see customers hovering around the sample booth on the weekends when the aroma of food permeates the air. Even displays of household products become attractive if customers are able to see them work. Costco is another store that offers samples to customers and the smell hits you the moment you walk in the store. It’s not uncommon to find out that a grocery store has artificial aroma sensors strategically placed around the store to motivate shoppers to buy more. These scent machines are far less expensive than hiring a sample company and they work. At Staples Canada a couple of years back we could smell the aroma of delicious coffee throughout the store as it caught us off guard. As coffee lovers it hit us hard and we wanted a coffee. When we were checking out at the cash we asked the cashier if they sold coffee and she said yes but that there was an aroma sensor on one of the main beams in the […]

grocery game monthly challenge

15 Grocery Savings You Might Be Missing At The Pharmacy : The Grocery Game Challenge 2017 #3 Jan 16-22

YOUR LOCAL PHARMACY MAY HAVE MORE FOOD DEALS THAN YOU’RE TAKING ADVANTAGE OF TO LOWER GROCERY COSTS.   One of the least read flyers that consumers miss out on chopping their grocery budget hands-down is at the pharmacy. When our weekly flyers would arrive Mrs. CBB handed them to me and the process I followed was to toss out the flyers we had no interest in which used to include pharmacy flyers. It was easier for me to get through the flyers of stores that were familiar to me then those little shops. Boy did I learn a lesson from that mistake. If you haven’t taken the time to look around the pharmacies in your area you might be shocked to find out they offer more than just medicine. The nearest pharmacy to us is a Shoppers Drug Mart (Pharmaprix) and a small family pharmacy located next to a doctor’s office. The main difference between the two is that the small pharmacy doesn’t carry food products like you’d find at almost all the big name pharmacies around Canada. Since being purchased for 12.4 billion by Loblaws in 2014 almost all Shoppers Drug Mart pharmacy stores have ramped up PC products […]

10 Simple Resources To Get Free Christmas Gifts : The Saturday Weekend Review #200

IF YOU’RE SHORT ON CASH OR WANT TO SAVE MONEY THERE ARE WAYS TO GET FREE PRESENTS.   If Free Christmas Gifts sound tempting I’ll show you all the tricks that budget mad shoppers use to save cash and spend less during the holiday season. There’s no gimmicks, just a bit of hustle and time and you’ll be showered in free Christmas gifts before you know it. The moment Halloween is over the Christmas panic sets in, the weekly flyers are just as heavy as a sack of potatoes and money signs start running through our heads. Buying Christmas gifts can be expensive especially if you don’t have the money to spend in the first place. I’m a huge fan of second-hand shops, freebie sites and browsing buy and sell sites online. Every year without fail there is someone who posts an ad looking for Christmas help. It may be that they are a single mum or dad with no spare cash looking for gift cards, free Christmas gifts, food or decorations. Whatever the case may be it’s tough to read and even tougher to respond to. I want you all to know that waiting until the last month to […]

Last-Minute DIY Frugal Halloween Costume Ideas: The Saturday Weekend Review #196

Don’t Be Left In The Dark Without A Costume This Halloween.   Halloween is days away. Are you ready for a fun night of scary adventures filled with lots of candy and chocolates? We’re ready to go however I’m missing my Halloween costume. With only two days to spare I need to DIY a Halloween costume for the first time and I’m ready for the experience. Just like every special occasion many of us (including myself) wait until the countdown is on to buy gifts, attire or even costumes and if your wife is like mine she reminds me about it every day. She’s the organized one in the family so I have much to learn from her. I procrastinate so much that at times my wife has to give me options like a little kid. Haha! Since Halloween 2016 is this coming Monday if you’re looking for last-minute Halloween costume ideas like I am don’t worry I’ve done the work for you. I’ve had a look around the web to find some frugal costumes that you can make at home with stuff you might have in the garage, linen closet or the junk drawer. This is a great time […]

grocery game monthly challenge

Overpriced Grocery Store Products You’re Wasting Money On: The Grocery Game Challenge 2016 #4 Oct 24-30

DON’T BE CONVINCED THAT YOU’LL SAVE MONEY ON EVERYTHING AT THE GROCERY STORE.   It’s not often that we go grocery shopping and consider buying a BBQ for the steaks we just bought on sale from the meat department. Some people do buy electronics, outdoor gear, toys and just about anything else that can get stuffed into a grocery store most often because it’s there. Quite often the buyer is giving in to an overpriced product that can be bought for less somewhere else which is not an emergency to purchase. If you grocery shop when you’re hungry they say you will spend more money. These days if you let your mind wander and start to think about anything while you grocery shop you’re bound to spend more money unless you handcuff yourself to your grocery list. Most grocery stores stock everything and anything they can to bring in profits. This is where it’s probably a good idea to stick to the perimeter but be warned even this area is getting plastered with marketing ploys to get us to spend more on stuff we don’t likely want but they try to convince us we do. I remember a Super Bowl […]

15 Frugal Ways To Stock Children’s Books For Your Home Library

READING IS ABSORBING INFORMATION THAT YOU CAN’T GIVE BACK   Reading DOES matter in a child’s life and should start the minute they can look into your eyes, listen with their ears or touch with their hands. We began reading to our son shortly after he came home from the hospital. Not only that but we began to play soft music throughout the day like my wife did when he was in her tummy. That might sound daft to some people but for a baby hearing their parents voice talking to them is soothing and what better way to begin than by reading a book.   Children’s Books can be expensive   Have you ever seen the prices on brand new books that have never been cracked open? Some of the prices are mind-blowing especially on children’s books. Next time you’re in a book store or if you have any children’s books at home flip them over or look in the front cover to check for prices. Shoppers who pay full retail price for children’s books only do so because they really, really want it. Sometimes it’s hard to resist those cute books that you know your son or daughter […]

Makeup And My Beauty Routine Is Going To Bankrupt Me : The Saturday Weekend Review #191

BEAUTY IS A BIG INDUSTRY THAT CAN SWALLOW YOUR MONEY WITH DESIGNER PROMISES   My wife was talking to her sister on Skype while she was getting ready for work yesterday morning. She was in the bathroom straightening her hair and said she had been up since 5:30am and she was running behind as it was 7am. I’m in the kitchen prepping the pumpkin spice coffee into the coffee pot that was graciously gifted to us by our neighbour for watching his cat while they went on holidays. In the midst of pouring the water in the back of the worst coffee pot ever I’m trying NOT to listen to them chat but it’s hard not to when the topic is about Money. You have to understand something about my wife’s sister, she’s a Hollywood beauty enthusiast and loves everything to do with make-up, body lotions, creams and perfume. Her closet is an entirely different situation but let’s just say in the past 3 weeks she’s donated over 4 garbage bags full and she’s still not done purging at the advice of her mother. When she was younger there was no hiding that she had debt because she was spending […]