The Ultimate Canadian Grocery Savings Guide | Ultimate Grocery Shopping Guide

Click and Collect Online Grocery Shopping Is Here : The Grocery Game Challenge #3 Oct 19-25, 2015

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Have you ever dreamed of having a personal shopper? Don’t we all.

Well dream no more if you live in Edmonton, Alberta because Loblaws launched Click and Collect Online Grocery Shopping in some of their Real Canadian Super-Stores (RCSS).

To be honest it almost sounds like a drive-thru grocery shopping opportunity. I did a bit of research because I wanted to learn about this new click and collect online grocery shopping in Canada.

At Tesco UK, they have done home deliveries ever since I can remember but now they do click and collect so it’s not a new concept.

You might even remember your grandparents or great-grandparents tell you that they worked for a grocery store delivering groceries. Do you remember the milk man? Fresh milk brought right to your door. These times are all coming back but with a twist, technology.

With the snow on the way the click and collect online grocery shopping service could be a VERY popular service for Loblaws and make them a fortune. They are not targeting all those people who would rather not shop, those who can’t shop or those who don’t have the time to shop. Smart move if you ask me but it was only a matter of time before Loblaws got on board with this concept.

Sign up for the click and collect program at Loblaws first and then you are ready to go grocery shopping in the comfort of your own home. Once you have your preferred time slot you show up to the store and park in the click and collect parking spots and then call the store to let them know you are there.

This may sound like a huge effort for some people but for those who are breathing a sigh of relief for this service it’s only a small inconvenience. It can’t be any worse than standing in line waiting to check out or trying to find change to get your shopping cart. If the store needs to contact you about your online grocery shopping order they will call or text you to keep you updated.


How does online grocery shopping click and collect work?


You’ve already signed up for your account, chosen the groceries and time slot so now you have to pick them up. It happens exactly as it describes, you click then you pick them up and be on your way.

RCSS has designated parking spaces and all you have to do is show up and pop the trunk or open the doors. The costs for the online grocery shopping click and collect services are relatively low from $3-$5 per shop.

Loblaws assigns a personal shopper to your grocery shop and they do the work for you. They pick out the best products they can find and from what I read they shop like they are shopping for their mom.

“When in doubt, we always tell them to think about what they would do if they were shopping for their moms.” – Jeremy Pee, Senior Vice-President of e-commerce for Loblaws

Would this service do well in Ontario?

I don’t know if would or not but I’m sure judging by how well this online grocery shopping click and collect does in Edmonton maybe Loblaws will bring it to Ontario and make it a wide-spread service for their customers.

Even if you used the service once a week all year online grocery shopping click and collect would add an extra $5x 52 weeks a year= $260. This may not be the frugal way of shopping but for those people who it would help it is a blessing.

I know that many shoppers would also agree that using this click and collect online grocery service would stop them from buying more than they intended to because we tend to shop with our eyes first and then smell. We all know that once you are in a grocery store that smell is hard to resist.

Keep in mind that this is the higher-end pricing of their online grocery shopping service. If you shop monthly or even bi-weekly your overall final yearly cost of the click and collect service will change as opposed to the weekly charge.


Where are these click and collect online grocery shopping locations?


  • Grande Prairie Alberta
  • Edmonton, AB
  • St. Albert, AB
  • Kelowna, BC
  • Spruce Grove, AB


Letting your personal shopper know what you like


If you like your avocado ripe or tomatoes without and marks you can leave your personal shopper a note and tell him/her exactly what you want, just as if you were doing the shopping yourself. How cool is that?

Once picked your grocery order is stored in specialty freezers and hot cabinets. Anything that is temperature controlled will be picked up as soon as you show up so they can stay with-in Health Canada guidelines. To be honest this is something I knew would end up happening and I’m thrilled to hear how this service will support and help so many people.

If you change your mind and want to add or drop something from your online grocery shopping order you can do that to up until the specified time they give you. That means if you do your online grocery shopping when you are hungry and get ‘click happy’ because you’re starving you can go back and change what you’ve clicked.

On the other hand if you’ve forgotten items because your home food inventory was off you can jump back online and add products to your order. If you are one of many people who don’t own a smartphone or a computer you can call customer service and place your order that way too if you’d like.

Most times when we grocery shop we have lots on our minds and when we get home we realize that we’ve forgotten to pick something up which means you have to make a second trip to the grocery store. The great thing about click and collect online grocery shopping is that you have time to think about your order and go back and fix something before you collect your groceries.

I was also wondering how on earth they would be able to give you the actual online price for your produce but it seems they will only estimate the price until they have your order picked. That way they can weigh the loose produce and adjust the actual number.

Online grocery stores are the way to go for many grocery shoppers particularly seniors, busy people, disabled grocery shopping haters and students. Just about everyone has a smartphone these days which means it makes sense that Loblaws has explored ideas with technology because they want to stay on top of the grocery race.


What are the downsides to online grocery shopping click and collect?


If you love looking for those reduced price products you won’t be getting them any longer if you use the online grocery shopping click and collect service. For those people who go to the grocery store just to get out of the house you will miss that interaction with people.

You may also find something you didn’t want which means you have to return it to the store which means a second trip. Other than the service price which will be added to your grocery budget it seems like a legitimate system to me. I’m sure they will iron out the bugs as they go along.

Instantly I thought you probably couldn’t use Canadian coupons or price match but that is not the case. According to the Loblaws website you can use coupons and ad match which is a great perk! These days coupons aren’t as plentiful as they used to be since the invention of coupon apps which means less extreme couponing.  Saying that, I don’t think anyone who does extreme couponing would want to use this service as it likely would take longer to cash out.

Keep in mind that you must have a $30 minimum order and if you want same day pick up that is not a problem either. Sounds good for those people who have dreamed of this for a long time.

Can you use the Scanning Code of Practice for the click and collect online grocery shopping service?

Good question and I’m not sure. I will say that Loblaws is a great store and I’m sure if you’ve been wrongly charged for an item that they would honor the SCOP code in Canada. This may mean a phone call to customer service where they may be able to solve the problem and credit your online account.

pc plus loblaws click and collect(1)

No more grocery shopping for the grocery shopping haters!

If you’ve already signed up for your PC Plus Card you can still get points when you use the online grocery shopping click and collect if you link your accounts.

Don’t forget about bringing your own grocery bags because you can do that too. Just let them know when you place your order that you would like to bring your own re-usable bags. That means you don’t pay for extra grocery bags, save money and get PC Points.


How do we pay for our online grocery shopping click and save order?


You can pay with your credit card, debit card, cash and PC Points but you must have alternate means to pay for anything that your PC points don’t cover. Once you have your preferred payment method online they use that to estimate the cost of your grocery shop because of items that need to be weighed. The order is adjusted when you pick up your order. You can use also use Cash, Interac Debit, and Gift Cards when you pick-up your order as well.

When your order is prepared, the selected payment method will be authorized for up to 125% of the order total to accommodate updates to your order. If you choose another method of payment when you pick up your order, the authorization will remain on your card until it is expired by your bank (typically 3 – 7 days). If you used a VISA Debit to place your order the authorization may appear as a finalized charge and the funds removed from your account until it expires. To avoid any concerns with authorizations we recommend using the “card on file” option (if available) to pay for your order. We will then finalize the transaction using the authorization and payment method on the order.

They will even track your grocery shopping so the next time you log online to place your online grocery shopping click and collect offer you don’t have to waste time looking for those everyday essentials. There is a downside though, if you don’t show up and you need to cancel you may be charged a cancellation fee so keep in mind the importance of picking up your order on time.

FAQ Questions for Online Grocery Shopping Click and Collect for RCSS. Head on over and check it out and then make sure you come back to post your grocery shop in The Grocery Game Challenge!! You could WIN a PC Gift Card to use towards your Online Grocery Shopping order or in-store purchases. See Grocery Game Rules!

Would you use this online grocery shopping click and collect service if it was offered in your city? If you have used it what do you think of this service? What would you miss about grocery shopping?


October Grocery Game Challenge posts


Join in the Grocery Game Challenge (GGC) fun and post your grocery shop in the comment section of each GGC blog post. Here are the rules to get you started and if you have any questions feel free to email me.

New monthly prize: $10 President’s Choice Gift Card. The odds are good right now to win each month but I hope to have more people join the GGC not to win but to get back control of their grocery budget. The more people who join the bigger the prize payout will be. Winning is just the perk.

I use a random online generator to pick the winning ballot every month.

If you missed any grocery game posts for the month I will post the line-up each week here for you so you don’t have to go looking for past GGC posts for the month. This makes posting a bit easier although all you need to do is click on The Grocery Game Challenge on the homepage sidebar and you will see them all.


Free Tools to get you started with your grocery budget


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

2014 Free Money Saving ToolsFree 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


the ultimate grocery shopping guide cbbEverything 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.


2015 Grocery shop results


Yearly grocery budget for two 2015: $2820

(The above total does not include the stockpile budget of $235 per year or $25 per month.

Points Overview (add any other sections you need to show us your savings)

  • Total Grocery Budget for the Month: $235.00
  • Total Grocery Budget with any carry-overs $235.00
  • Total Gift Cards used to date: $32.40
  • Total Rewards Points redeemed this week: $0
  • Total Rewards Points used to date: $140.00
  • PC Points Plus Earned to date: 49869
  • Scanning Code of Practice (SCOP) to date $0.98

Coupon Apps (add any other apps you use to save money)

  • Snap Groupon to date: $28.00
  • Zweet to date: $18.00
  • Checkout51 to date: $6.00


Grocery Shop This Week


Food Basics

  • 2 x Strawberies $1.97 each
  • Parmalat 2% milk $3.97
  • 3.25 % Milk $4.97

Total Out-of-Pocket $12.88


  • 2lbs Icing Sugar $2.99
  • 2 x Pizza Mozzarella $3.88 each
  • Artisan Lettuce Box $4.49-50%
  • 3x PC Mushrooms White 3/$6.00-50%
  • Baby Spinach $5.49-50%
  • Pumpkin Pie Pumpkin $1.29
  • 2x Schneiders Hotdogs $1.88 each
  • 3 x Ground Pork $2.70, $2.68, $2.79
  • Halal Ground Chicken $6.10-50%
  • 2x PC Turkey Slices $6.99 each-50%
  • Triple Cream Brie $10.99-50%

Total Out-of-Pocket: $47.50

  • Total to spend this month $235
  • Stockpile budget 2015 ($25.00): (Jan/Feb) $50.00 +$0 (Mar)+$16.94+$25.00 (April)+$25.00+ May $25.00+ June $25.00+July $14.44+Aug $25.00+Sept $25.00+ Oct $
  • Stockpile budget used this month: $23.94
  • Total coupons used this week: $0
  • Total coupons used to date: $34.50
  • Total in-store discounts this week: $23.54
  • Total in-store discounts to date: $646.54
  • Total spent this week: $60.38
  • Total spent so far this month: $194.66
  • Total over/Under spend this shop: over $over
  • Total over/Under spend for the month: $n/a
  • Total left to spend for the month: $44.32
  • Total Spent To Date 2015: (does not include stockpile budget) Jan $166.49+ Feb $261.51+ Mar $231.02 + April $258.44+May $218.12+ June $235.67+July $212.16+August $118.15+ September $130.37+ October $

Weekly Overview (your final thoughts)

Overall this week we bought more than we anticipated as our grocery list wasn’t that big. It wasn’t until we went into Zehrs that we spent more with the 50% off stickers but we anticipate that every time we shop there. We leave room in our weekly grocery shopping for items we most often see at 50% off.


Canadian Coupons Found


Here are some great places you can find Canadian Coupons!

We’re finding less and less coupons in the stores these days. What are your thoughts? Are coupon apps taking over the paper coupons?

Oct 19 2015 canadian coupons

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 but you will still get a ballot when you post your shops even if they are late but I encourage you to stay on schedule. It’s a proven fact the minute we stop doing something that is scheduled that we end up forgetting to do it all together. Don’t let that be you! You can post your shops all month-long.
  • Does your Grocery Budget include health and beauty and laundry products?: Yes No, our Grocery Budget includes such items as shampoo, conditioner, laundry soap, fabric softener, dish soap etc. As of 2014-2015 we no longer include such items in our grocery budget so we can see actual food numbers at the end of the year so we can plan accordingly for our budget. 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.
  • Canadian Coupons: Where can I find Canadian Coupons?: Here are your latest  Checkout 51 offers that you can use to help you save money in the Grocery Game Challenge. There are many great Canadian Couponing websites online that share weekly coupon match-ups so you can plan your grocery list.
  • Best Coupon Apps: Coupons are slowly fading out but mobile coupon apps are the big rave these days. Just recently the popular coupon site that mailed coupons to households have gotten involved with their new mobile app joining forces with the many apps that are already out there.
  • What is the Best Flyer App- We use Flipp on our Iphone so if you wan to have all your flyers in one spot download Flipp from the Apple Store or get it on Google Play.
  • What is an FPC?: An FPC is a free product coupon which means you can get a free product as described on the coupon.
  • What is GGC?– The Grocery Game Challenge of course!
  • 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 2015 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.

If you are brave and want to learn everything I know about grocery shopping in Canada check out my Ultimate Grocery Shopping Guide! It’s FREE!

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 2015!

Join in and become money savers and take control of your grocery budget.


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  • If you like FREE then click this link for my FREE Excel Budget Spreadsheet and all my Free Money Saving Lists.

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  1. Hey Mr.CBB
    Yes I take a quick break to eat or other times I eat while doing paperwork. My locker is now filled back up with snacks and treats so hopefully that will cut down on the eating at work!
    They were out of eggs when I went back before the sale ended so I got a rain cheque that I will be using this week with another awesome store coupon of spend$50save$10!!
    Yes that ground pork will last us forever 🙂 and way too good of a deal to pass up

    1. I wish we would get great deals like that in Ontario although PC Plus users will find that Loblaws often has deals like this although it’s more like spend $125 get $20 back. That’s too high in my opinion as most people won’t spend that much to get a deal. Even shoppers drug mart maxes out at $75 to spend and get Optimum points.

  2. Our weekly budget is $125 a week making this month $500
    $1.98-.75C astro yogurt
    $3.98-$1C yogurt
    $2.28×2 nn frozen veg
    $4.98 8lbs apples imperfect
    $13.75 total oop
    $1.75 total coupons
    $1.99×2 18pk eggs
    $1.18 bananas
    $5.15 total oop
    .88 choco bar
    $1×4 sm ice creams
    $1.59 lettuce
    $1.17 bananas
    $3 sandwich
    $1.99×6-$1Cx4 alfredo sauce
    $3.99 lg international
    $1.22, 1.18, 1.15, 1.12, 1.10, 1.08, 1.05, 1, .99, .93 lean ground pork – clearance .99lb!!
    $1.49×2-bogoStaffC comp apple juice 1L
    $39.32 total oop
    $5.39 total coupons

    $58.22 total weekly oop
    $7.14 total weekly coupons
    $413.98 total monthly oop
    $149.52 total monthly coupons
    $5269.66 total yearly oop
    $1658.28 total yearly coupons

    didn’t need a lot this week
    sweet deal on ground pork!!

    1. Awesome deal on the eggs. I’m sure we would have bought about 5 dozen at that price since my wife eats them like mad these days. Holy pork deals.. I wish!! You picked up some pretty awesome deals this shop wow. I’m impressed and your sandwich was only $3 this time lol. Do you shop on your break? You get ballot 25. Mr.CBB

  3. Week 3 – October 18 – 24

    • Grocery budget to work with in October: $200
    • Total coupons used this week: $0
    • Total coupons used to date: $132.41
    • Total RCSS gas coupons used this week: $1.66
    • Total RCSS gas coupons used to date: $18.37
    • Total value PC Plus points redeemed this week: $20
    • Total value PC Plus points redeemed to date: $340
    • Total gift cards/certificates/gifts used this week: $0
    • Total gift cards/certificates/gifts used to date: $63.76
    • Total student discounts this week: $3.40
    • Total student discounts to date: $198.86
    • Total tax savings RCSS this week: $0
    • Total tax savings RCSS to date: $11.98
    • Total spent this week: $44.55
    • Total spent so far this month: $139.05
    • Total left to spend for the month: $50
    • Carry over: $5.45
    • Total in carry over jar: $72.80
    • Total Spent To Date 2015: $2,547.20

    Walmart: Greenworks dishsoap 2 x 2.00, tax 52: Total 4.50 rounded down 2 cents

    RCSS: PC Cola 3 x .94, NN F.F sour cream 1.99 (PM), Large eggs 2.49 (PM), PC Celeb margarine 3.78, milk 3.97, McCain frozen fries 1.66, mushrooms .98 (PM), pear 1 kg 1.98, Peppers 4 pk 2.47 (PM), Romaine hearts 2.50 (PM), bananas 2.19, celery 1.98, cabbage 1.12, cucumber .99 (PM), acorn squash 1.38, whole chicken 5.55, bentasil losenges 2.74 less 30%, less gas coupons .85 and .81, less student discount 3.40 plus tax .58: Total 35.30 rounded up 1 cent

    Valumart: Stewing beef 10.96 and 10.38, less PC plus redemption 20.00: Total 1.35 rounded up 1 cent

    Walmart: Avengers cookies clearance 2 x 1.50 plus tax .39:Total 3.40 rounded up 1 cent

    So, this week, PMs again, gas coupon discounts, student discount, PC Plus redemption. Anything and everything we could to get the cost down. Stewing beef will go to four meals and thank goodness we still had that amount to redeem.

    Best deal was the acorn squash. It was .24 lb on clearance the day of my shop at RCSS, I had one squash on my list anticipating the cost to be about 1.75. at .78 lb in the flyer. Instead, we got 4 squash for 1.38. That’s a score. If we had cold storage, I would have gotten far more and axed something else off of the list. We also had a couple of dollars left this week for carryover that could have gone to squash. I have always wanted cold storage, but oh well, we managed to get the carryover jar bumped up again.

    This was a tough week for me as I was feeling very teary about the cost of food and the budget and what we have available in our house right now. I feel it’s too tight, we are running out of food. Yes, I know, there are still things to cut off of our list, like the pop. It’s going soon enough, we think the store is discontinuing the one we drink. It will be good incentive to get it out of the budget. It’s hard having the need for caffeine and not always wanting a hot coffee or tea. Aside from that, we have been pretty good this fall about what we are buying. The cookies are an easy snack for on the go sports things for my son rather than takeout and fast food. He’s satisfied with a bit of a treat, but not looking for much. And, my time is terribly limited these days, so baking is limited too, aside from bread. All in all, despite feeling very low about the situation, we did do well enough. But our cushion is nearly gone for PC plus points. Hubby and I are now rebuilding, but my mom always makes me redeem hers because she knows how hard it is for us and I know she has at least enough for us to redeem $30. Keeping that one for emergencies as hubby doesn’t want to let me go to the food bank. I will hold off until the freezer is empty. Until then, I will find a way.

    1. Hi Angela,
      You can do this. If it gets too hard there are always options in the community that you could use to help stock up again. 🙂 Ah, I just read your husband doesn’t want you to go to the Food Bank. Why is that? If you have areas you can improve on I would work on those first. We have cold storage in our house and use it mainly for health and beauty products and some food. We don’t tend to stock up on food as much as we used to as we never went through it that fast and we’d end up wasting it. We do make good use of our freezer though which has saved us thousands. Keep motivating yourself and setting smart goals and you will get through this. You’ll be able to look back one day and be thankful that you did everything you could to get you where you need to go. You get ballot 8 Mr.CBB

      1. Unfortunately hubby cares more about what people think than what is in our bellies. He would rather eat unhealthy or not eat than let me go to the food bank. I don’t want to be dishonest with him and go without his knowledge, but if worse comes to worse, I will, my son has to eat. However, it has to be desperate. I know there is some sort of food bank on campus, and if I need to I think I will check them out first, I would hope he wouldn’t be embarrassed by that, I’m the one seen in school and I’m ok with asking. They have bins of personal needs in our student council office that you can help yourself, it’s not a lot, mostly sample size stuff, but every bit counts. I get razors, deodorant and air fresheners, I miss the shaving cream, but that was last year. I have to be careful since a lot of the stuff my son can’t be around for allergies, but every bit we can use is a good thing. My classmate has been a huge emotional support this month and ironically it was someone I chatted with last year, but didn’t take the time to get to know well, no I have. She is single with four kids and understands money struggles. They don’t have a food budget, she has used the food bank, whatever to make food a priority I guess. I have tried to encourage her to budget for the food, but when someone doesn’t want to, they won’t. On the upside, she has passed on a lot of canned goods my direction that they received over the summer from the food bank that she and her kids won’t eat, or can’t eat (nut products). So, in a way, I have received a portion from the food bank without having the stigma my husband fears. And, it is a lot of soups and stews canned. We will eat it, no question and I am thankful for it. There are no words to my classmate to express how I feel about what she has done for me. She even gave me a bag of powdered milk, she says she has no idea what to do with it. I have baked with it in the past, but never rehydrated it to become milk again. However, when she gave me the box, we had run out of milk and almost out of the frozen milk and I in tears that week. I rehydrated it and we used it until grocery day. It’s not the same, but it does work well in smoothies for sure. My son tried it, but avoided it after having it on cereal. I figure I will still continue to rehydrate it, but it will by my go to add in for smoothies and the fresh milk can go to cereal or just drinking it. I am experimenting as much as I can to stretch the food as far as it can go. We also just spent $20 in takeout and I am trying to not feel guilty about it. If we did it regularly, then it would be a problem, but in this case, it just isn’t a regular thing. At this point, I am looking at it from the perspective that my son gets a takeout treat and he feels like he is on par with his friends without feeling like he is being left out. Especially since we aren’t doing a lot of the purchasing of things, etc at school this year. It’s been kept to the basics.

        1. Angela,
          You are an amazing person and you can tell because so many people are supporting you and your journey. You WILL look back I promise you and be thankful for all that you have done to keep your family going. It’s hard for men to say they “need” something especially when it comes to providing for their family. Somehow I think this would be a great blog post topic because men are conditioned to be the bread-winners and when that can’t happen it can depress them to the point that they would go without or find an alternative. When you hit the bottom of the barrel though you have to do what you have to do which is why you see people begging on the streets. It’s not about what anyone thinks any longer it’s about survival. I really hope he comes around to realize this is only short-term and once you are done school hopefully things will change. Your friend seems like a remarkable woman. 🙂 Stay strong.

  4. Yearly grocery budget for 4 adults and 2 cats- $7800.00
    (The above total does not include the stockpile budget of $235 per year or $25 per month.
    Points Overview (add any other sections you need to show us your savings)
    Total Grocery Budget for the Month: $650.00
    Total Grocery Budget with any carry-overs $650.00
    Total Gift Cards used to date: $10.00
    Total Rewards Points redeemed this week: $0
    Total Rewards Points used to date: $0
    PC Points Plus Earned to date: 21250
    Scanning Code of Practice (SCOP) to date $0
    Coupon Apps (add any other apps you use to save money)
    Snap Groupon to date: $3.00
    Zweet to date: $.75 ($25.75 cashed out)
    Checkout51 to date: $2.35 ($25.50 cashed out)

    Grocery Shop This Week
    2 chocolate bars for Halloween, 40 count @6.99
    1 jug water -5.49
    3 packs pasta @3/4.98
    1 yogurt -2.99
    2 Cheemo perogies @2/5.00
    Bananas -.83
    1 pack stewing beef -9.57
    2 bagels @2/5.00
    Tax -1.82
    Total OOP -$49.66
    Foodland #2
    1 Cheerios -5.49
    2 Rice Krispies @3.99
    1 jar yeast -3.99
    1 pancake syrup -2.99
    1 yogurt -2.99
    2 4l Natrel 2% milk @3.99
    1 pack tortellini -3.29
    1 bag cranberries -2.99
    Bananas -.83
    1 pack lean ground beef -5.23
    1 pack Hayter ground turkey -4.49
    1 bread crumbs -2.49, 50% AM discount
    Total OOP -$49.49, 1.25 discount
    Canadian Tire
    1 24dr Charmin TP -11.99
    Total OOP -11.99
    Foodland #3
    1 bag white rice -5.99
    1 Cheerios -5.49
    1 jug water -5.49
    1 Rice Krispies -3.99
    1 yogurt -2.99
    2 4l Natrel 2% milk @3.99
    1 doz large eggs -2.99
    2 packs Johnsonville sausage @5.99, 50% stickers @3.00
    1 W/W bread 2.50
    Total OOP -$44.42, $6.00 discount

    Total to spend this month $650.00
    Stockpile budget 2015 ($25.00): Jan -$22.20+ Feb -$24.50+ (Mar)+$22.18+ April)+$18.32+ May $40.95+ June $24.15+ July $45.32+ Aug $32.92+ Sept $22.43+ Oct $
    Stockpile budget used this month: $0
    Total coupons used this week: $0
    Total coupons used to date: $130.64
    Total in-store discounts this week: $7.25
    Total in-store discounts to date: $137.03
    Total spent this week: $155.56
    Total spent so far this month: $500.72
    Total over/Under spend this shop: over $under
    Total over/Under spend for the month: $n/a
    Total left to spend for the month: $149.28
    Total Spent To Date 2015: (does not include stockpile budget) Jan $640.13+ Feb $572.63+ Mar $786.52+ April $515.95+ May $621.33+ June $760.66+ July $552.91+ August $674.89+ September $610.32+October $
    Weekly Overview (your final thoughts) I was able to get myself some Rice Krispies on sale so I’m good there but hubby keeps eating up all of his Cheerios and I have to pay full price for those.. I’m in good shape too for the TP, heaven forbid we should get too low around here!! That Natrel milk was on sale for the week and was cheaper than the regular milk. So I got the 4 bags between two trips in there. We’re on the last of those now, i can’t tell any difference between that and regular to warrant the price difference but it was a nice sale price for me!! The discount on the bread crumbs was a special through the air miles, think the PC Plus deals or the old Sobeys deals. I’m in good shape to come in within the budget for the month. November and December will be a real test for me but I do have those air miles dollars for help if need be.

    1. Hi Christine,
      I was just talking about how certain months affect our grocery budget and I may write about that next. We have a massive stash of free toilet paper that we got back in 2012 with coupons which we are still using today believe it or not. There were $1 coupons for Majesta back then and The Bargain Shop used to sell it for $1.00 so we got tonnes for free. My wife and I would swap coupons with other couponers who couldn’t find the toilet paper and that’s how it’s done. They have since stopped selling that toilet paper in all shops as far as I can see. It was nice while it lasted though. 🙂 Well done with your shop this week. I would have bought the milk as well and there really isn’t much of a taste difference if you ask me. I’m looking forward to the next 2 months of your shop and that final number for the year. You get ballot #6 MR.CBB

  5. The next time I grocery, I am gonna use Canadian coupons. Thanks for sharing where I can get these coupons. I find coupons app really accessible, Mr CBB. I am downloading Checkout51, Zweet, Snap By Groupon, and Coupgon. Which one would you prefer?

    1. We use them all except Coupgon because we don’t have access to a data plan on my wife’s cell phone and the grocery store does not have free wi-fi yet. They are all equally good for saving money.

      1. You can also scan them and upload them onto the computer. You don’t need to have the app on your phone to use any of them. I use Checkout51 but they don’t make an app for my phone so I use it through the computer instead (as an example).

          1. Sorry, I just checked Coupgon out and yes, you need to show your phone at the store. I don’t use this app because it’s on activate for my phone but it is for my daughter’s phone. Not sure we would use it because the only store in my area is Giant Tiger, which I don’t use very often. If they expand the listing of stores for Ontario, I’d consider getting my daughter to download the app.

  6. The Foodland store by us does deliveries to the door as the older lady that lived two doors down used to have her stuff delivered all the time. She had mobility challenges so it was great for her. They do deliveries every Wed. I’ve seen them go out, the girls take the orders on the phone, pick it up and bag it into the customers own bags(with their name and address on each bag) ready to go out. If there is something in the freezers there will be a note on the bag. No idea if the Independent does this as well. There is also the Mobility Bus here in town that will run you out to both stores on Wed so you can do your shopping and bring you back home after. There is a charge for the bus and the deliveries but I’m not sure just how much…. But then we are a small town with a high population of older folks and those with mobility issues that can’t drive themselves around so it all works out for the better good. It is nice that Loblaws is doing this to help people but I’m sure it will also help their bottom line nicely.

    1. Right, like you need that lol. Sure, that would have been perfect for her! I can see how this service will be a relief for so many people. I’ve heard of the mobility bus that helps the seniors. That is a great service. I wonder if Foodland does the deliveries only in the small towns. I’ll have to look into that. Do you know if they call in the orders or order online?

      1. Those that I have seen call the order in as I have seen the girls working on the courtesy desk on the phone writing the order out… Most Foodland stores are in smaller town from what I can remember offhand of the store lists that used to be on the back page of the flyers.

  7. We have a similar service available in larger markets called Instacart. I am in LOVE with it combined with Costco.
    I let the young, fit folks haul the giant vats of vinegar, meats and fizzies to my apt door.
    I found that the surcharges didn’t make sense for my local specialty stores now that I am retired. But for Costco? Totally worth it.

  8. Personally I wouldn’t use it most of the time, if ever. I want to see what I’m purchasing and since I would have to still go out to get the groceries, it wouldn’t pay for me to have them pick out my groceries. I can definitely see people using this service though and I believe you are correct that this will be a money maker for Loblaws (as a whole). It will be interesting to see if they expand this feature to the other stores, such as Zehrs as well as other provinces.

    1. We would be the same way but who knows there could be that 1 time when we need that service so it’s nice to have that available. It wouldn’t surprise me if they do Dee. 🙂

  9. My GGC for the two week ending October 22, 2015.

    Oct 9 – 22, 2015
    Name Your Store: Walmart
    Total Coupons Used: $0
    Total Points = N/A
    Total Out Of Pocket: $82.18 (Meat)

    2 bottles of conditioner = $13.96
    2 bottles of shampoo = $13.96
    2 bottles of hair moisturizer = $10.54
    2 beer nuts = $7.72
    2 frozen turkeys = $30.00

    Name Your Store: Superstore
    Total Coupons Used: $0
    Total Points = 1000
    Total Out Of Pocket: $39.20

    2 Cans Campbell’s Tomato Soup – $0.97 (PM Sobey’s @ $0.79) = $1.58
    2 Cans Campbell’s Cream of Mushroom Soup – $0.97 (PM Sobey’s @ $0.79) = $1.58
    4 bags Italpasta – $2.57 (PM Frescho @ $0.97) = $3.88
    4 boxes Kraft Dinner – $1.39 (PM Sobey’s @ $0.99) = $3.96
    4 L Skim Milk = $3.97
    Kraft Shredded Cheese – $6.99 (PM Zehrs @ $3.99) = $3.99
    450 g Kraft Cheese Bar = $3.98
    3 PC Mushrooms = $5.00
    WW Wonder Bread = $2.22

    18 kg NN Cat Litter – $8.98 (PM Zehrs @ $7.99) = $7.99

    Name Your Store: Food Basics
    Total Coupons Used: $0.00
    Total Points = 0
    Total Out Of Pocket: $22.65

    1.5 Kg Powdered Skim Milk = $14.99
    15 Rolls Cashmere Toilet Paper = $4.97
    Kraft Dressing = $1.99

    Name Your Store: Superstore
    Total Coupons Used: $0.00
    Total Points = 1200 (Joanne’s PC Points)
    Total Out Of Pocket: $1.52 (Joanne redeemed 30,000 PC Points)

    2 Hamburger Helper -2/$3.00 = $3.00
    2 PC Pop – (600 PC Points) = $1.74
    Frosted Flakes Cereal – $5.99 (PM Frescho @ $3.99) = $3.99
    Danone Yogurt = $2.98
    Pulp-free OJ – $5.19 (PM Walmart @ $2.97) = $2.97
    4 L Skim milk = $3.99
    3 L PC Apple Cider = $4.00
    Banana = $1.71
    2 PC Hot Cross Buns – $0.99 (600 PC Points) (30% Sticker) = $1.38
    2 Raisin Bread = $4.56

    Name Your Store: St. Jacobs Farmer’s Market
    Total Coupons Used: $0.00
    Total Points = N/A
    Total Out Of Pocket: $50 (Produce & Stockpile)

    1.5 bushels Paula Red Apples = $42.00
    Cheese Bread, Raisin Bread, PB Cookies & Oatmeal Cookies = $8.00

    Name Your Store: Superstore
    Total Coupons Used: $0.00
    Total Points = 200
    Total Out Of Pocket: $6.94

    2 Tomato Soup – $0.99 (PM Food Basics @ $0.79) = $1.58
    Bananas – (200 PC Points) = $1.36
    2 WW Wonder Bread – $2.22 (PM Giant Tiger @ $2.00) = $4.00

    No Shop

    Grocery Game Challenge Results
    Total Grocery Budget for the Human Year ($2080.00, for the pay period – $80.00)
    Total Grocery Budget for the Cat Year ($390, for the pay period – $15.00)

    Total Coupons Used this 2 Week Period: $0.00
    Total Coupons Used To Date: $12.25
    Total Discounts/SCOP this 2 Week Period: $0.00
    Total Discounts/SCOP to Date: $10.19
    Total Checkout 51 rebates this 2 Week Period: $0.00
    Total Checkout 51 rebates to Date: $10.00
    Total Snap rebates this 2 Week Period: $0.00
    Total Snap rebates to Date: $1.00
    Total Price Match for this 2 Week Period: $12.71 + 0.84
    Total Price Match to Date: $461.64
    Total Meat this 2 Week Period: $30
    Total Meat to Date: $514.17
    Total Produce this 2 Week Period: $42
    Total Produce to Date: $272.31
    Total Adhoc Stockpile this 2 Week Period: $8.00
    Total Adhoc Stockpile to Date: $444.30
    Total PC Points Received this 2 Week Period: 1000 + 200
    Total PC Rewards Points Used this 2 Week Period: 0
    Total PC Rewards To Date: 15580

    Total Over/Under spend this Human shop: $over
    Total Left to Spend for the Human Month: $21.16
    Total Spent To Date – Human: Jan $69.59+$34.74+35.42+47.21+47.89+24.54; Feb $32.86+39.96+32.86; Mar $26.70+0.80+50.41+5.00+26.07+52.01; Apr $11.23+58.66+17.83+6.84+7.74+3.96+28.58+23.51; May $90.90+18.36+3.94+45.75; Jun $41.920+61.15+28.90+24.52; Jul $43.63+21.36+30.63+41.96+36.59; Aug $35.28+40.00+15.82+46.60; Sept $27.26+6.83+34.84+37+42.79+14.01+32.07 ; Oct $6.25+3.38+9.19+30.17+52.18+22.65+1.52+6.94 ; Nov $ ; Dec $ = $1.681.66

    Total Over/Under spend this Cat shop: $2.15 over
    Total Left to Spend for the Cat Month: $17.15
    Total Spent To Date – Cat: Jan $3.22+11.28+32.17+0+0.98; Feb $12.50+$0.00+9.58+4.59; Mar $16.04+0+13.06; Apr $9.58+11.77+1.96; May $10.15+9.20+5.65; Jun $10.15+7.89+2.00+18.61+(-9.59); Jul $5.65+0+5.63+5.63+6.76; Aug $5.63+19.58+3.45+5.64 ; Sept $38.13+2.26+5.65+2.78 ; Oct $9.03 ; Nov $ ; Dec $ = $296.60

    Overview: 1st week – I couldn’t pass up on the 2 turkeys at Walmart and I know that I need to make up on the overage. With this pay, I’ve changed how the money is divided among the different categories so I definitely need to stop and think before going to the grocery store. This will take some time to readjust my thinking but I know that I can do it. I look at what I’ve accomplished during this year and that’s only the start.
    Overview: 2nd Week – My daughter took her PC Points and bought quite a bit of groceries and I only had to pay a wee bit. Took this week and did quite a bit of shopping around the house since the funds were so limited. Will be making quite a bit of apple sauce with the 3 bushels of apples but that should last us the winter (I hope). I realize that I’m still over for this two week but I’m still have the plan to get out, which will take a bit of time.

    1. Hi Dee,
      Do you find working at the market is hard to stop yourself from buying stuff because you are there? I guess it would be the same as if you worked in a grocery store. I always wondered if I would be motivated to buy more if I were in the environment working. The apples seem like a great deal for 1.5 bushels because you made a tonne of applesauce. What kind of apples were they again? I see you picked up 2 turkeys. I’m guessing for Christmas time. I haven’t bought a turkey in Canada yet so I haven’t compared products or prices to know what is good. It’s hard to make changes but you CAN do it. You are right. You’ve accomplished so much this past year. Trust me when I say we STILL struggle with our grocery budget. If it were that easy we’d quit the challenge and forget about it. If we didn’t post OMG our budget would be out the roof I bet. It’s so hard. Well done and keep your spirits high. You get ballot 2. Mr.CBB

      1. I find working at the market, I don’t get out to the produce vendors as much as I would like. Due to vendors that have baking in many different places, I tend to pick those up more than produce. For that reason, I typically don’t walk around the market to see what’s available so that I keep more of my money. But I’d rather support the produce farmers than the grocery store. The apples were Paula Red and each 1/2 bushel was labelled for $15.00 each, which should be $45.00. I just made one turkey the other Sunday (while doing apple sauce) and I might keep the other one for Christmas, I’m not sure yet. Depending on what’s going on with my daughter’s step family, the other turkey might be for them instead. It’s been a very long time since I’ve bought any turkeys. I know that we have been “shopping” at home more these past couple of weeks to try and cut the amount of grocery shopping down to a minimum and get out of the “overspent” column for the year. I’m just glad that I don’t do much Christmas baking, only have 1 Christmas dinner in 2015 (the other is in 2016) so it’s really just the weekly meal plans that needs to be tightened up to get my family out of this hole. I’m still making changes to my budget, especially for next year to get a clearer picture of where money is going and hopefully be able to make better decisions going forward.

  10. Walmart has this in Ottawa! $50 minimum, $3 charge. I don’t know anything else about it, just that when I went to look up some grocery prices on the Walmart website, an ad for it popped up.

    1. Interesting, I’m going to see if we have this in Ontario. I know we placed an online order with Walmart the other day and had free delivery over $50 but it was for Christmas gifts.

  11. OCTOBER – Week #3 of 4- Oct 19-25, 2015


    •Total Grocery Budgeted For Year: $190.00 x 12 = $2,280.00 for 2 adults



    I am sniffling and sneezing so we took a pass on attending the Apple Fest because it was raining and the fruit is outside of the market under tent awnings. Next year I guess. 🙁

    I did get a chance to stock up on some more Christmas items though. Therefore, there’s an $8.82 transfer from the Christmas reserve into the grocery budget.



    Save On Foods – Maple Ridge –

    2 x Barilla GF Spaghetti @ $3.19 ea = $6.38
    1 x 4L Skim Milk (3,100 Points Redeemed to cover $4.69)

    Total OOP: $6.38

    ** Earned 14 MORE Points on this shop **
    ** SAVED $0.00 in Rain Check Coupons **
    ** SAVED $0.00 Loyalty Savings on this shop **


    RCSS – Pitt Meadows –

    1 pkg of 4 Green Peppers
    1 pkg of 4 Red Peppers @ 2 pkgs for $5 = $5 +1000 Points
    2 No Name Evaporated Milk (2 @ $1.33) = $2.66 – for Christmas
    2 No Name Cranberry Sauce (2 @ $1.54) = $3.08 – for Christmas
    2 No Name Cranberry Jelly (2 @ $1.54) = $3.08 – for Christmas

    •Total OOP: $13.82

    • Christmas OOP: $8.82
    • Grocery Budget OOP: $5.00

    ** Earned 1,000 PC.Plus Points **
    ** USED $0.00 in Rain Check Coupons **
    ** SAVED $0.00 Loyalty Savings on this shop **


    Safeway – Maple Ridge –

    4 Breton White Bean GF Crackers (BOGO) $7.56
    Non-Grocery Personal for Hubby $22.36

    •Total OOP: $29.92

    • Non-Grocery OOP: $22.36
    • Grocery Budget OOP: $7.56

    ** Earned 46 Air Miles on this shop **
    ** USED $0.00 in Rain Check/Coupons **
    ** SAVED $11.56 Loyalty Savings on this shop **


    Safeway – Maple Ridge –

    8 Hunt’s No Salt Tomato Sauce (4 for $6) =$12.00 + 10 Air Miles
    2 dozen eggs @ $2.99 ea = $5.98
    1 Whipping Cream $2.79
    1 pkg of 30 Crusty French Rolls $3.49

    •Total OOP: $24.26

    ** Earned 11 Air Miles on this shop **
    ** USED $0.00 in Rain Check/Coupons **
    ** SAVED $4.92 Loyalty Savings on this shop **



    OUR NEXT USA SHOP MAY BE in December while hubby is on vacation.



    •Total Loyalty Card Price Reductions This Year:

    Jan $3.58+ Feb $0.00 + Mar $14.54 + Apr $15.76 + May $0.00 + June $5.68 + July $0.00 + Aug $35.63 + Sept $138.97+Oct $16.48 = $230.65

    •Total Coupons/Rain Checks Used This Year:

    Jan $0.00 + Feb $0.00 + Mar $0.00 + Apr $0.00 + May $0.00 + June $14.00 + July $0.00 + Aug $0.00 + Sept $88.75 +Oct $0.00 = $102.75

    •Total Price Match Savings Used This Year:

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

    •Total More Points Earned This Year:

    Jan 22 + Feb 45 + Mar 140 + Apr 12 + May 6 + June 12 + July 0 + Aug 160 + Sept 84+Oct 14= 481 Points

    •Total Air Miles Earned This Year:

    Jan 0 + Feb 0 + Mar 1 + Apr 1 + May 322 + June 0 + July 0 + Aug 4 + Sept 176 + Oct 46 = 550 Air Miles

    •Total PC PLUS Points Earned This Year:

    Jan 1200 + Feb 900 + Mar 900 + Apr 1,500 + May 0 + June 1800 + July 0 + Aug 900 + Sept 2,200 + Oct 1,011 = 10,411 Points

    •Total Optimum Points Earned This Year:

    Jan 30 + Feb 40 + Mar 0 + Apr 0 + May 0 + June 20 + July 0 + Aug 0 + Sept 0 + Oct 0 = 90 Points



    •Total OOP Year-To-Date:
    Jan $199.31+ Feb $180.69 + Mar $274.41 + Apr $105.59+ May $237.00 + June $171.34 + July $53.25 + Aug $319.00 + Sept $117.32 + Oct (trf $25.00 Xmas Reserve+$17.09 to Summer + $17.50 trf to Re-Stocking Reserve + $12.50 trf to Borscht Reserve + $50.00 trf to US +$21.93+$12.00+$6.38+$4.69 Trf to Unused Reserve +$7.56-$8.82 trf from Christmas Reserve + $8.82 + $5.00 +$24.26= $203.91)= $1,861.82

    •Total Year-To-Date Grocery Budget:
    Jan $190.00+Feb $190.00 + Mar $190.00 + Apr $190.00 + May $190.00 + June 190.00+July$190.00+Aug $190.00 + Sept 190.00 + Oct $190.00 = $1,900.00

    •Total Over/Under on Year-To-Date Grocery Budget: $38.18 AVAILABLE



    2014 Fwd $0.00+Jan $0.00+Feb $3.83+ Mar $32.09 + Apr $4.99 + May $4.69 + June $9.38 + July $4.69 + Aug $0.00 + Sept $9.38 +Oct $4.69= $73.74



    2014 Fwd $325.00+Jan $22.50+Feb $22.50 + Mar $17.50 + Apr $18.44 + May $17.50 + June $6.56 + July $20.00 + Aug $20.00 + Sept ($17.50-$120 – $167.50= – $270.00) + Oct $17.50 = $217.50



    2014 Fwd $412.50+Jan $12.50 + Feb $12.50 + Mar $12.50 + Apr $0.00 + May $20.00 + June $30.00+July $0.00 + Aug $12.50 + Sept $12.50 + Oct $12.50 = $537.50



    2014 Fwd $110.00+Jan $10.00 +Feb $10.00+ Mar $10.00 + Apr $10.00 + May $25.00 + June $10.00 + July 15.00+ Aug 15.00 + Sept $10.00 + Oct ($25.00 – $64.88 trf to US Reserve – $8.82 trf to groceries= -$48.70) = $176.30



    2014 Fwd $90.00+Jan $10.00 + Feb $10.00 + Mar $15.00 + Apr $15.00 + May $35.00 + June $36.44 + July $13.56+Aug $21.31 + Sept ($9.85-$106.16 = -$96.31) + Oct $17.09= $167.09



    $ 1,900.00 Grocery Budget JAN-OCT
    $ 73.74 Redeemed Points to Purchase Groceries
    ($ 0.02) Hiding Spot Cash – SPENT
    ($ 13.45) 2014 Costco Rebate Chq – SPENT
    ($ 160.49) Trf to Misc Reserves (Re-Stocking, Borscht, Xmas, Summer)
    ($ 201.81) Trf to US Grocery Reserve
    ($ 73.74) Set in a reserve to offset Redeemed Points
    ($ 1,447.97) Actual CASH SPENT



    $ 4.98 Skim Milk- 3,100 MORE Pts – JAN
    $ 4.69 Skim Milk- 3,100 MORE Pts – FEB
    $ 4.69 Skim Milk- 3,100 MORE Pts – FEB
    $ 4.99 Whole Milk- 3,100 MORE Pts – MAR
    $ 4.99 Skim Milk- 3,100 MORE Pts – MAR
    $ 4.99 Skim Milk- 3,100 MORE Pts – MAR
    $ 1.60 Sprouts- 1,000 MORE Pts – MAR
    $ 4.99 Skim Milk- 3,100 MORE Pts – MAR
    $ 4.99 Skim Milk- 3,100 MORE Pts – APR
    $ 4.69 Skim Milk- 3,100 MORE Pts – MAY
    $ 4.69 Skim Milk- 3,100 MORE Pts – JUNE
    $ 4.69 Skim Milk- 3,100 MORE Pts – JUNE
    $ 4.69 Skim Milk- 3,100 MORE Pts – JULY
    $ 4.69 Skim Milk- 3,100 MORE Pts – SEPT
    $ 4.69 Skim Milk- 3,100 MORE Pts – SEPT
    $ 4.69 Skim Milk- 3,100 MORE Pts – OCT

    $ 73.74 Total $ Value of Points Redeemed

    So far $1,900.00 has been budgeted Y-T-D for 2015 and we have recorded these funds as “spent” and in fact they have been “saved”:

    $217.50 Freezer Re-Stocking Fund
    $537.50 Borscht Fund
    $176.30 Holiday Season Fund
    $167.09 Summer Season Fund

    OUR CURRENT TOTAL UNUSED RESERVES ARE $1,107.21… that is a $937.50 carry-forward from 2013 & 2014 and $160.49 in NEW 2015 savings after spending $582.93 of the reserves in SEPTEMBER and OCTOBER.

    This also means that with $190.00 to start OCTOBER plus $52.09 available carried forward from SEPTEMBER less $72.09 transferred to the various savings reserves less $0.00 transferred for Points Redeemed = $170.00 plus an additional $50.00 saved in our US grocery reserve, we opened the month of OCTOBER with $120.00 available to spend on the Canadian side of the border LESS the funds we have spent of $81.82 on our groceries (cash & points) so far this month and have $38.18 AVAILABLE for the month of OCTOBER.

    We have groceries that have been purchased using points redeemed, rather than the budgeted cash in the amount of $73.74. Available as an offset, we currently have $73.74 in our UNUSED CASH RESERVE. As at this moment, we need and additional $0.00 in the UNUSED CASH RESERVE. If our budget is truly sufficient, when we reach December 31st, the unused funds should still be equal to, if not greater than, the value of the points redeemed. It’ll be interesting to see if they actually are.

    Note: Another reserve of $110.21 IS AVAILABLE for our next US shop!

    Of the outstanding US Shopping Reserve $110.21:

    $113.07 is carried forward from 2014

    $252.50 is new 2015 Y-T-D savings

    Less $115.57 that we’ve transferred back to the grocery funds

    PLUS $64.88 transferred from our Christmas Reserve funds

    Less ($9.98+$5.00+$15.32+$34.58) = $64.88 Christmas spending in the US

    Less ($10.00+$71.86+$57.93) = $139.79 that we’ve actually spent in 2015

    = $110.21 US Reserve Available


    The valid rain checks I hold are as follows:

    Thrifty Foods –

    12 x 14 oz Compliments NO SALT Diced Tomatoes @ $1.00 ea – good until Dec 27/15

    6 x WW Bread @ $1.00 ea – good until Dec 29/15


    1. Hi Mary,
      I can’t believe in about 9 weeks it will be Christmas again! It seems to just fly by as soon as the Fall hits. It’s nice to see you are picking up bits as you go along. That’s the way to make the Christmas grocery budget work. We don’t really cook a meal but I often bake something so I’ll likely stock up on peanut butter if it goes on offer to make my peanut butter balls. I’ll watch for butter too although I don’t need much. That was a great deal for the crackers BOGO. What do they taste like? I like the idea of bean in crackers. Sounds interesting. You get ballot 1. Mr.CBB

      1. Breton has 2 gluten free bean varieties…black bean and white bean. I enjoy the white bean but don’t like the black as the flavor is too pronounced and it doesn’t lend itself to a lot of flavors. I like to put a little egg, tuna, salmon, imitation crab, sardines or chicken on a cracker and call that an open faced sandwich. The calories-carbs-sodium are all less than a single slice of gluten free bread. Then, I can still have either a large salad or a bowl of soup along with my sandwich without guilt! 🙂

    1. Thanks Juanita, I took that out. I’m surprised since Zehrs always gives us a rain check. I thought they did give out rain checks? I get them at Food Basics and Zehrs all the time and I could have sworn we got them at No Frills. I’m going to double check now next time we go. I wonder why they don’t offer rain checks? Are there any other stores that you know of that don’t offer them?

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