How we plan to spend $100 a month grocery shopping: The Grocery Game Challenge #5 Oct 27-Nov 7, 2014

empty grocery shopping cartI’M NO SHOPPING CART HERO


I know, I know, I know we went WAY over budget this month leaving us with just over $100 a month to spend until the end of 2014 on groceries.

I’d like to say that we had a no-shop week like we were supposed to and that photo to the left is our empty cart but I’m afraid that’s not the case.

The shops you will read below are in between weeks and with 5 weeks of grocery shops in October it really put us in the red.

Although we don’t normally shop for groceries in-between weeks or more than once a week if we can help it this month has seen us visit the shops more than anticipated.

Having to go to the shops on my own and for various reasons one being that we have a newborn in the house ended up us stockpiling more than we normally do.

We opened a bank account for our son which brought us to the store twice because we didn’t have the proper documents to open the account. I guess that’s one downfall having your banking pavillion in a grocery store.

This is one of our struggles when going to the store too much and why we started the grocery game in the first place. The good news is that almost everything we bought was on sale or reduced with pink stickers.

Although we loaded up on quite a bit of groceries this past week and a half we won’t be needing much until 2015. I will have to do some serious catching up in November and December because we are left with a $100 grocery budget.

The good thing is we won’t be home much in December as we will be away for the holidays but I will still have to have a more honed plan to save money on groceries moving forward.


Out of the ordinary grocery shopping


Where did the money go?

Most of the foods we bought grocery shopping such as the ovaltine, steel-cut oats and brewers yeast are all for the wife to help produce more breast milk. The other big grocery shopping expenses were made stocking up on laundry soap, instant coffee, meat and fish while we could.

It’s not often we do a meat stockpile but since the winter is coming we don’t want to be running around too much with baby in tow so we loaded up on groceries we know we will use now.

We have more than enough meat and fish to take us into the new year now. In November we will limit our shops to milk and eggs as we have lots of bread and cheese. We have plenty of frozen vegetables that need using up as well.

This was a tough month for us having our lives turned upside down with the arrival of our son. I don’t think we could have ever planned for what was coming our way. In our minds we create the best scenario but that doesn’t always work out. He is still sleeping all day and up all night and he has went through a couple of surgeries on top of this so we are exhausted.

We certainly have lots to talk about in terms of shopping to get us to the end of December and to plan for the new year. I imagine with the snow on the way that I will be doing most of the grocery shopping which is easier since it’s close to my part-time job.


Planning our $100 grocery budget


How do we plan to spend our $100 grocery budget the next two months?

Good question and to be honest we have a well stocked pantry and freezer so that’s a plus on our side. Making budget meals such as homemade soups, pulled pork and other healthy easy dinners will help us to stretch our groceries.

I think it’s important to remember that we created this overspend and now we have to live with it. It’s certainly easy to brush it off because we have more than enough money in the bank to cover this but that wouldn’t be helping our budget. When we make a budget we do our best to stick to the budget even if we have months that just flat-out don’t work in our favour.

This months grocery shop leaves us $265.78 over budget!! Our November and December grocery budget total will be as follows $470-$265.78=$204.22 or $102.11 to spend each month to keep us on track for 2014.

WOW.. can we actually only spend $102.11 each month until the end of 2014?  We might need some serious motivation but I’m going to be optimistic and say yes!!

There is however some slightly better news in that the stockpile budget each month wasn’t used to its maximum every month. The grand total of $35.46 is still remaining in the budget plus there is the budgeted amount of $20 per month. This gives us a little room for error to the tune of $75.46 if we really need it.

Time to get back on track.


October 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. Join in the Grocery Game Challenge fun and post your grocery shop in the comment section of each blog post… here are the GGC rules!


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 savings 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 and in large part a reason we could pay our mortgage off in 5 years, 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 are new here and haven’t had a chance to read past posts grab yourself a beverage, sit down, relax and enjoy some educational reading material on ways to save money in your grocery budget.

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.


Food food and more food



If you are a foodie like I am you will enjoy going through my Free Recipe Index where recipes from CBB foodie Nicola and myself are shared every Sunday on the blog. Check it out! Try a recipe and leave a review for other fans!


Grocery shop 5 October grocery game


Grocery shop results


All I am going to say is… brace yourselves!!

Shoppers Drug Mart

  • 3 x 2% Nielson Milk $3.97 each

Total out-of-pocket $7.94

Food Basics

  • Potatoes 10lb $1.88
  • 4 x pomegranate $0.97 each
  • Red tomatoes on the vine $1.33
  • Premium bananas $1.63

Total out-of-pocket $8.72

Food Basics

  • Bob Mills Steel Cut Oats $2.69
  • 2 x Pork Loin Roasts $16.11, $14.40

Total out-of-pocket $33.20

Bulk Barn

  • Brewer’s Yeast $2.27

Total out-of-pocket $2.27


  • Schneiders Bologna $5.99- SCOP (was on sale for $2.99) 🙂
  • Bread $2.99 – 50%
  • I have no idea $2.34
  • Greek Tzatziki $3.99- pink sticker 50%
  • 2 x PC Greek Yogurt $3.99 each – pink sticker 50%
  • Liberte Greek Yogurt plain large container $3.99-pink sticker 50%
  • Liberte white chocolate yogurt $4.39-pink sticker 50%
  • Soy beverage $3.49-pink sticker 50% (might end up in the garbage because now we read that breastfeeding mothers shouldn’t drink soy milk.) We will have to talk to our doctor about this but by then this will go off.
  • 2 x Milled Flaxseed $4.49-pink sticker 50%
  • 3 x 1.99 Beef Steakettes reg $5.99 sale $1.99
  • 2 x  sausages $1.99
  • PC thins bread $3.19-pink sticker 50%

Total out-of-pocket $31.44 plus $2.99 scop

No Frills

  • 4 x Quaker cereal $1.88 each
  • 6 x sunlight laundry detergent $2.97
  • Ovaltine $3.99
  • Steel cut oats $3.99 (I lost out with this one because it is much cheaper at Food Basics compared to any other grocery store. I looked after my wife was shocked since she remembered we paid under $3.00 a few days prior at Food Basics but I forgot and was shopping without her)
  • 2x Maxwell house coffee instant $2.47
  • 4x Triscuit $2.00
  • 6x packs of sausages $3.64, $3.35, $3.24, $3.24, $2.02, $2.02
  • Pork mince (huge bulk pack) $9.18-$2.75

Total out-of-pocket $70.20


  • 4 x cream of mushroom soup $0.44
  • 2 x basa fillets $7.99
  • 2 x cucumber $0.99

Total out-of-pocket $19.76


  • 4 x Nescafe instant coffee $2.88
  • 2 x taco seasoning $0.97
  • 1 x Italian seasoning $1.99
  • 2 x dill rice cakes $1.37
  • Stash Chai Tea $2.67
  • Premium plus whole wheat crackers $2.47
  • Fennel $1.67
  • Bananas $1.22
  • Mushrooms $1.97
  • 2 x sesame oil $5.97

Total out-of-pocket $40.13


 Our Grocery Shopping 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 October $235.00-$49.30 (overspend in September)=$185.70
  • Total Coupons Used this Week : $0
  • Total Coupons Used to date: $64.19
  • Total Discounts this Week: $19.04
  • Total Discounts Used to date: $70.75
  • Total Gift Cards Used to date: $33.18
  • Total Rewards Points Used: $0
  • Total Rewards Points Used to date: $20.00
  • Stockpile Budget ($20.00): $ 19.92 (6 x Bavarian bread and 2 x Ta Ta Tea)
  • Stockpile Budget Used to Date: $20.00+$19.08+$17.94+ $2.06+$20.00+$15.10 + $20.00 (June)+ $22.44 (July) + (August) $8.00+ (September) $0 + October $19.92
  • Snap Groupon to date: $19.25
  • Zweet to date: $4.00
  • Cart Smart to date: $0
  • Checkout51 to date: $12.75
  • Scanning Code of Practice (SCOP) $2.99
  • Total Spent This Week: $231.66
  • Total Spent So Far October:$40.92+$77.99+$118.91+$213.66=$451.48-$185.70=$265.78
  • Total Over/Under spend this shop: $265.78
  • Total Over/Under spend for the month: over $265.78
  • Total Left to Spend for the Month: $nothing omg
  • Total to Carry Over Next Month: $265.78
  • Total Spent To Date This Year: (does not include stockpile budget) Jan $242.66+ Feb $191.74+ March $255.82+April $235.07+May $223.62+June $275.37+ July $203.36+ August $228.26+ Sept $272.80+ Oct $451.48 (OMG)

Weekly Overview: see blog post above.


 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.



Frequently Asked Questions


  • Grocery Game Challenge RULES: 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.
  • What is an FPC?: An FPC is a free product coupon which means you can get a free product as described on the coupon.
  • How Do I Grocery Shop?: 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!


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  1. Good luck Mr CBB! 🙂

    I shop for 2 adults and an almost 4 year old boy. Our budget is $85/week or $340 for this month and includes laundry, health/beauty, etc.
    Bananas $2.49 – $.25 Zweet
    Quaker bars (PM FB) 5 x $1.77
    Quaker rice cakes (PM GT) 5 x $1.00
    NN marshmallows $1.50
    Doritos (PM NF) 2 x $1.88
    Motts Fruitsations (PM Loblaws) 4 x $2.00
    Diet coke bottles of 6 (PM SDM) 4 x $1.97
    Lipton onion soup mix $1.97
    Eggs (PM SDM) $1.99
    BD cheese (PM FB) $3.97
    Silk Almond milk (PM Sobey’s) 2 x $3.79 (earned 400 PC plus points)
    Romaine $2.49
    Broccoli (PM FC) $.99
    Tomatoes $.65
    Bacon (PM NF) $3.88
    Bagels 2 x $1.99 – 50% pink sticker – $2.00 (earned 800 PC plus points)
    Wonderbread (PM NF) $1.88
    Vitality bread (PM Fortino’s) 2 x $2.50
    Natural Selections deli meat (PM FB) 3 x $3.99 – $5.00 coupon
    Magazine $3.49
    Coupons $5.00
    Rebates $.25
    OOP $88.03

    Total Grocery Amount Budgeted For the Year: $4,420 ($85/week) + Meat order $172.85/month for 9 months $1555.65=$5975.65 for the year including the meat order. THE MEAT ORDER IS PAID IN FULL NOW!!!!!!!!!!!!!!!!!! (we still have tons left too).
    • Total Grocery Budget for the Month: $425 (5 weeks this month) + $32.79 carried over if needed
    • Total Coupons Used this Week: $5.00
    • Total Coupons Used This Month: $5.00
    • Total Coupons Used this Year: $980.42
    • Total rebates this week (Checkout 51, Snapsaves, CartSmart, zweet, $.25
    • Total rebates this month (Checkout 51, Snapsaves, CartSmart, zweet, $.25
    • Total rebates this year (Checkout 51, Snapsaves, CartSmart, zweet, $161.75
    • Total SCOP this week: $0
    • Toal SCOP this month: $0
    • Total SCOP this year: $7.10
    • Total Gift Cards Given Used this Week: $0
    • Total Gift Cards Used this year: $298.04
    • Total Reward Points Used this week: 0
    • Total Reward Points Used this year: 140,000 or $140.00
    • Total tax free day this week: $0
    • Total tax free day this month: $0
    • Total tax free day this year: $76.72
    • Colleague Discount (this year): $19.92
    • Total Spent This Week: $88.03
    • Total Spent So Far for this month: $88.03
    • Total Over/Under spent for the month: N/A
    • Total Left to Spend for the Month: $336.97
    • Total to Carry over Next Month (if needed): $32.79
    • Total Spent To Date This Year: $3508.72
    Weekly overview: A few dollars over this week but we stocked up on granola bars (a staple for me during this pregnancy) and Diet Coke. Maybe next year I should do the $20/month stockpile fund that you do Mr. CBB? Hoping to stay on track for another month 🙂 Oh! MY MEAT ORDER IS PAID OFF!!!!! November and December are going to be nice as we no longer pay the $172 meat order and we don’t have to pay property taxes in these months either 🙂 This combined with not paying near what we used to in daycare and Ken’s raise we should be socking away the money but we’re not. We’re paying as we go now for the basement instead of going into debt for it. But it’s almost done!!!

    1. Hi Jen,
      Every time I read your post I feel I am growing with Adam as he is now almost 4. I remember when you were posting and he was a year and half. My wife’s staple was crackers and lots of them. I say stock up while you can. You can certainly do the stockpile budget IF you can fit it in your overall budget. It may be worth looking into for you since you do lots of bulk shopping with coupons. Are you doing meat orders in 2015? Once your basement is done and you can stash away more money you will start to see a difference. Renovations are never cheap and at least you aren’t going into debt for it. Keep up the great work!! You get ballot 21.

  2. My final shop for October. I just squeaked it!! Both shops were at Foodland this week.

    Oct. 24
    8 cans tomato soup @2/1.00 -4.00
    3 Whiskas cat food @.79 -2.37
    4 packs spaghetti(reduced) @.79 -3.16
    3 cans pineapple @1.19 -3.57
    4 pasta sauce @1.25 -5.00
    Bananas -1.10
    1 unsweetened Apple sauce -1.98
    1 pack Halls -2.79
    1 w/w bread -2.99
    2 18 count eggs @2.99 -5.98
    1 Canadian garlic (2 cloves) -3.49
    1yogurt -2.99
    2 Cheerios @3.99 -7.98
    1 10lb bag potatoes -3.99
    1 cider mix -4.29
    3 packs ground pork @4.49 -13.47, 59%stickers saved 3X 2.25 -6.75
    2 4l milk @4.79 -9.58
    1 jug water -5.49
    1 pack B/S chicken breasts -10.97
    Tax -1.23
    Total $91.16, 6.75 discounts

    Oct. 27
    2 lemons @.99 -1.98
    1 bag marshmallows -1.48
    1 can Apple juice -1.50
    Bananas -.54
    1 bag rice -1.99
    1 bread crumbs -1.99
    1 lasagna noodles -2.28
    1 cranberry cocktail -2.98
    1 W/W bread -2.99, .50 Peelie
    1 Rice Krispies -2.99
    1 onion powder -3.29
    1 4l milk -4.79
    1 jug water -5.49
    1 honey-5.79
    1 case ginger ale -5.99
    1 bag Whiskas dry cat food -8.99
    1 Tetley tea bags 144 count -9.99
    Tax -2.14
    Total -$66.69

    Total budget for month -$650.00, 4 weeks -162.50wk
    Total coupons/discounts for week -$7.25
    Total spent this week -$156.35
    Total spent for month -$161.79+$155.32+$174.68+$156.35=$648.14
    Total over/under for week -$6.15 under
    Total over/under for month -$1.86
    Left for month -N/A
    Total coupons/discounts for month -$6.50+$8.25+$13.50+$7.25=$35.50
    Total carryover to next month -$108.59-1.86=$106.73
    Total YTD -J$653.06+F$594.21+M$633.19+A$672.42+M$647.70+J$660.14+J$694.95+A$629.08+S$732.59+O$648.14=$8458.76
    Stockpile -$25.00, all spent

    So I just squeaked under for the month! I even got a pack of boneless skinless chicken breasts for the freezer. If you just add up the amounts I was over for the months I show a carryover of $106.73 but I did something a little different to figure out how much I was over for the year. I took 10 months worth of budget and subtracted every month from Jan. to Oct. That figure is a lower number….doing it this way I am over for the year by ‘only’ $65.48 due to months I was under… Interesting. I think I will keep track of both numbers there to see how things end up for the year. My plan to come in under budget either way is to try to keep things to $130.00 or less each week. That is the figure I use on the 5 week months(160.00devided by5)A 4 week month is $162.50.. See how that goes…. Right now I’m happy to have made it under for the month!!!

    1. Hi Christine
      At first glance I thought it read 218 count of eggs lol. I figured it out fast though. You had an awesome shopping month, congratulations. I just love that you added up all of your months of grocery shopping to find out your carryover. WOW! This is what the GGC is all about… knowledge is power with the budget and you just proved that. We track our month to month totals as well so we know if we are over or under for the year. Keep up the great work!!! You get ballot 20. Mr.CBB

  3. I totally understand the $100 month budget. We’ve been there, often, in January, February and March over many years in the past. A huge advantage is to have a great stock pile. Our biggest disadvantage was once the stock disappeared we had to start again. However, I see us in that situation permanently coming next March. So, I am tucking a lot away right now. I am fortunate that being in school, if I ever needed a bag of non-perishable food to get by, it’s there for the asking. I’m loving the possibilities my college has for students in need. We’re not there yet, but I have made myself aware o everything. I am doing my best to get through the next two years without OSAP. I do wish that our appliances would stop breaking, they are raining on my parade, lol!

    1. Congrats to you trying to make it through without OSAP, that’s awesome. The pantry is what will help save us until the end of the year. It can be tough and that’s why I started the grocery game and part of the reason our budget spreadsheet was born.

      1. I am considering myself very fortunate to have the option to try to do this the hard way or the easy way (with or without OSAP). Even my school has a food drive for their students, so if worse comes to worse, I can get a bag of non-perishables from school. But, it’s too early to tell if we will be in that situation yet. And, our SAC office has some toiletries, so that’s an option too. I am lucky to go to a school that cares. I don’t know how other campuses do it, but ours says their resources are under-utilized. I know the first time I went to school 20 years ago, I would have loved the option because I practically didn’t eat the last month of school and I can’t do that this time around with a family to feed. The new year will bring a much stricter budget for food and toiletries. Until then, I am living out the budget I planned for this year. And, I am stocking the pantry like mad and going through everything bit by bit so there is even less waste than before. No more food hitting the trash from expiring. I’ve always been pretty good about my pantry, but I am really focused now!

  4. I understand the pain at the grocery checkout as a single father that has not seen much of a raise in 7 years. I created a free service for Canadians looking for the lowest priced deals on meat in their area. It tracks over 3500 grocery stores and their weekly meat specials. Not sure you can spend much of a $100 monthly budget on meat but it’s worth checking out to price match.

    I hope it helps you save some time and money.

    Love your site!


    1. Hi Tom,send me an email as I’d love to have you guest post on the blog and we can add your app and blog to our Grocery game or free savings tools. Mr.CBB

  5. I’m sitting on being over so far by just over $100.00 so I feel your pain!!! The last couple of months have been difficult at your place due to having your newborn son here now. Depending on how much you have stockpiled in the pantry and freezer it just might be do-able. Milk is a biggie around here. Being away from home visiting family will help the budget too. I’ll finish off my month by the weekend for posting, I think I’m just going to squeak by for the month. Not so sure about the year but I will be working on it.
    Hopefully the Little Mr’s surgeries are done now and he can work on his sleeping patterns and get sleeping when he should instead of being up all night!!!
    I have 4 postings in for this month so far for you to look over. Have fun…..


  7. Ouch Mr CBB! I have had those “trying” months too. 🙁 I was lucky to have done it early in the year and I had lots of time to recover prior to the year end. I hope you can swing the recovery in just 2 short months. 🙂 I am sure it will be mighty tough! There must be an adjustment coming to the CBB Grocery Budget though right? Your original budget was for 2 and now you are feeding 3 even if that means Mrs CBB needs special foods for her to feed the wee CBB. 😀 Go easy on yourselves – this is a huge adjustment!

    1. Oh I felt the pain last night let me tell you. We have a baby budget which covers all things baby so that’s covered for now. When we start to introduce food which will likely be next year at some point we will see where we are at.It is a huge adjustment and certainly one that we could never have planned. It’s overwhelming most days and we can’t get over how we took for granted things like… sleep, eating in peace, going to the bathroom and taking our time.. it’s life changing for sure.

  8. Hey Mr. CBB….I’ve been in your position on more than one occasion. I feel for you but I know that you can make the remaining budget value work. I’m already over budget for the entire year but I take each pay as a new starting point and try to do better. One day, I might even get thru an entire year in the black but that probably won’t happen until my daughter moves out. Just remember that we are rooting for you.

    1. Thanks Dee! I wasn’t nervous to post this shop because I’ve never said I’m a super hero even though we have the knowledge. The key is to do our best to plan and adjust to the budget and if it’s not working then we have to look at why that is the case. Thanks for the support. 🙂

  9. OCTOBER – Week #4 of 4- Oct 27-Nov 2, 2014


    •Total Grocery Budgeted For Year: $142.50 x 12 = $1,710.00 for 2 adults
    •Total Stockpile Budgeted For Year: $47.50 x 12 = $570.00 for 2 adults
    •Combined Grocery Budget for 2013: $190.00 x 12 = $2,280.00



    Fortunately, this is a “No Shop” week because we are emptying the crispers & eating up our leftovers. We’ll finish the month in good shape!! We have $2.87 left this month that I plan to carry forward into next month. Woo hoo! Doing a little GGC happy dance!!

    November and December are months with some of our annual vacation days in them. When we travel, we use the saved up “vacation funds” for everything we spend including our food whether it’s homemade in the villas or we are splurging and dining out in a restaurant.

    Our airfare is paid using up Alaska airlines credits (no cash outlay), the car rental was paid for with Air Miles points and the villas are using our Starwood Vacation Ownership points. We have 1 night at the Hampton Inn at Seatac, the parking for our car, food and spending money to cover in November. I have $700 set aside and I am sure we’ll come home with cash in our pockets. 🙂

    Our November and December GGC posts will be different than our regular months plus the shops will tend to be very small. It’s looking good for us to finish out our year in good order!









    •Total Loyalty Card Price Reductions This Year:

    Jan $81.89+Feb $48.32+Mar $0.00+April $22.88+May $44.18+June $39.58+July $4.10+Aug $0.00+Sept $19.68+Oct $7.75= $257.47

    •Total Coupons/Rain Checks Used This Year:

    Jan $2.58+Feb $7.18+Mar $0.00+April $9.20+May $20.19+June $1.00 + July $15.50+Aug $12.98+Sept $5.19+Oct $33.28 = 109.97

    •Total Price Match Savings Used This Year:

    Jan $0.00+Feb $0.00+Mar $0.00+April $0.00+May $5.31+June $0.00 + July $0.00+Aug $0.00+Sept $0.00+Oct $0.00 = $5.31

    •Total More Points Earned This Year:

    Jan 0+Feb 0+Mar 11 +April 0+May 5+June 0+July 52+Aug 0+
    Sept 32+Oct 31= 131 Points

    •Total Air Miles Earned This Year:

    Jan 456+Feb 584+Mar 0+April 4+May 125+June 3+July 210+Aug 88 + Sept 157+Oct 2= 1,631 Air Miles

    •Total Thrifty’s Points Earned This Year:

    Jan 25+Feb 15+Mar 0+April 0+May 39+June 11+July 145+Aug 0+ Sept 24 = 259 Points Program Discontinued on Sept 12th – We received $20.00 + 14 Air Miles

    •Total PC PLUS Points Earned This Year:

    Jan 0+Feb 0+Mar 650+April 0+May 5,400+June 2400+July 3,300+Aug 0 + Sept 1,450+Oct 0= 13,200 Points

    •Total Optimum Points Earned This Year:

    Jan 0+Feb 0+Mar 0+April 0+May 30+June 0+July 100+Aug 0+Sept 0+ Oct 10= 140 Points



    •Total OOP Year-To-Date:
    Jan $167.06+Feb $155.74+Mar $105.76+April $145.56+
    May $228.38+June $186.11+July $110.63+Aug $130.76+Sept $185.68+ Oct ($12.50 trf to borscht+$10.00 to Summer+$7.50 trf to re-stocking-$20.00 Stockpile Addition + 7.82+$19.22+$0.99+$1.48+$14.22+$7.82= $96.45)= $1,512.13

    •Total Year-To-Date Grocery Budget:
    Jan $142.50+Feb $142.50+Mar $142.50+April $142.50+May $232.50 +June $142.50+July $142.50+Aug $142.50+Sept $142.50+Oct $142.50= $1,515.00

    •Total Over/Under on Year-To-Date Grocery Budget: $2.87 AVAILABLE



    •Total Stockpile OOP Year-To-Date:
    Jan $47.50+Feb $47.50+Mar $47.50+April $47.50+May $47.50+June $47.50+July $47.50+Aug $47.50+Sept $47.50+Oct($20.00 re Sept overage+$7.50 trf to re-stocking + $20 trf to US Reserve = $47.50) = $565.00

    •Total Year-To-Date Stockpile Budget:
    Jan $47.50+Feb $47.50+Mar $47.50+April $47.50+May $47.50+June $47.50+July $47.50+Aug $47.50+Sept $47.50+Oct $47.50 = $565.00

    •Total Over/Under Year-To-Date Stockpile Budget: $0.00 AVAILABLE



    •Total 2014 Re-Stocking Budget:
    2013 Fwd $125.00+Jan $17.50+Feb $17.50+Mar $17.50+April $17.50 +May $17.50+June $0.00+July $17.50+Aug $17.50+Sept $17.50+Oct $7.50= $272.50 AVAILABLE



    •Total 2014 Borscht Stockpile Budget:
    2013 Fwd $275.00+Jan $12.50+Feb $12.50+Mar $12.50+April $12.50 +May $12.50+June $0.00+July $12.50+Aug $12.50+Sept $12.50+Oct $12.50= $387.50 AVAILABLE



    •Total 2014 Holiday Season Reserve:
    2013 Fwd $0.00+Jan $20.00+Feb $20.00+Mar $20.00+April $20.00 +May $20.00+June $0.00+July $10.00+Aug $0.00+Sept $0.00 +Oct $0.00= $110.00 AVAILABLE



    •Total 2014 Summer Season Reserve:
    2013 Fwd $0.00+Jan $0.00+Feb $0.00+Mar $0.00+April $0.00+May $0.00+June $0.00+July $0.00+Aug $20.00+Sept $20.00+Oct $10.00= $50.00 AVAILABLE


    • TOTAL SPENT Year-To-Date:

    $1,512.13 Grocery Budget
    $104.04 Hiding Spot Cash
    $20.00 Thrifty’s Points Redemption
    $20.00 PC.Plus Points Redemption
    $20.00 Safeway Cash Card
    $565.00 Stockpile Budget
    $80.00 Cash Repayment from neighbor
    $24.27 2013 Costco Rebate Cheque
    $0.00 2014 Costco Rebate Cheque – $13.45
    $250.00 Safeway Gift Card =


    $1,900.00 may have been budgeted for JAN to OCTOBER ‘2014 but we have these funds already accounted for and not yet spent:

    $272.50 Freezer Re-Stocking Fund
    $387.50 Borscht Fund
    $110.00 Holiday Season Fund
    $ 50.00 Summer Season Fund

    TOTAL UNUSED RESERVES $820.00 … that is a $400.00 carry-forward from 2013 and $420.00 in NEW 2014 savings.

    So, if you look at the $2595.44 calculation that we have spent in 2014 and subtract the $420.00 we have actually saved in our “reserves” and the $172.97 ($78.97+94.00) we have recorded as spent but is actually set aside for future USA grocery shopping… we have actually spent $2,002.47!! That is $102.47 OVER the $1,900.00 we budgeted for January through October.

    BUT if you also take out the cash that was either a gift, some non-budgeted earning method or a loan repayment: ($104.04 Hiding Spot Cash from bottles etc + FREE $20 Safeway Gift Card + $80.00 Cash Repayment from a neighbor + $24.27 from a 2013 Costco Rebate Cheque + $0.00 used out of a 2014 Costco Rebate Cheque for $13.45 + a Christmas present of a $250.00 Safeway Gift Card+ $20.00 Thrifty’s Points Redeemed and $20.00 PC.Plus Points Redeemed+ $1.00 gift from hubby’s spending money) = $519.31 then we actually only used $1,483.16 of the budgeted $1,900.00 have a Budgeted Grocery Balance SURPLUS of $416.84 still sitting in our bank account.

    IF you don’t pay any attention to how we paid for the groceries, then the seemingly $102.47 OVERAGE combined with the value of an additional 5 weeks x $47.50 = $237.50 vacation we will be taking later on in 2014 and still leave us an additional $135.03dd to our Canadian & cross border shopping budget.



    CANADIAN $’s

    Groceries: $2.87
    Stockpile: $0.00
    Cash Hiding Spot: $0.02
    Safeway Cash Card $0.00
    Safeway Savings Reward $0.00

    US $’s

    Our Reserve: $78.97
    US Cash Hiding Spot: $94.00


    The valid rain checks I hold are as follows:


    4 lbs Ground Pork @ $2.99/lb (Good until December 22nd)


    1. Hi Mary,
      I finally made my way to the top post which is your post!! That’s awesome that you ended your month off in great shape. Not us as you have read. As the year comes to an end like you we won’t be around so much which means we might be able to recoup some of our overspend in October. I’m hoping come January to put together a new GGC schedule but hope I get the weeks right this year. I think I was off a week from the start but I want to try and stay on course with all of you. Have a great night Mary.You get ballot 19. Mr.CBB 🙂

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