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How To Buy Groceries When You Live With A Roommate

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Living With A Roommate Sometime Means You Split Grocery Expenses

Learn how to handle roommate food expenses the smart way before you sign your rental agreement this year.

The last thing you want to find out after moving in with your roommate(s) is that your monthly expenses are not what you expected them to be.

You will want to know what you are signing up for apart from splitting the costs of rent and utility bills as that should be standard.

groceries roommate

Roommate Agreements

I’m sure you remember the television show, “The Big Bang Theory” and the roommate agreement that Sheldon Cooper (Jim Parsons) dished out after Leonard Hofstadter (Johnny Galecki) decided to become roommates with him.

It may have been outrageous and we laughed but don’t think this can’t happen to you. It can.

Over-night guests notification clause (The Irish Pub Formulation) – There has to be a 24-hour notice if a non-related female is staying over night

Section 37B, Miscellaneous Duties (The Friendship Contraction): Leonard is obligated to drive Sheldon to his various appointments, such as the dentist.

He must also provide a “confirmation sniff” for questionable dairy products.

A requirement of the agreement is to have quarterly Roommate Agreement meetings (The Viewing Party Combustion).

At the meetings, the Pledge of Allegiance is performed. Issues raised at the meetings include which kind of cereal to buy.

Roommate Wanted

If you’re lucky and find a house or basement apartment for rent with your friends or a roommate looking to pair up with another who is apartment searching you can create house rules right from the start.

Be prepared that you won’t all agree on all the rules so even talking about a roommate agreement before you decide to rent together might be a smart financial move.

Moving costs are pricey for everyone but having to move out prematurely because of differences with your roommates over house rules can be costlier.

On a few occasions, I’ve received emails or comments from fans asking about grocery splitting when living with roommates for school.

When looking for a place to rent it’s important that a roommate agreement is created, signed and dated by all parties so there are no surprises.

You can’t always assume that you will rent to an easy roommate who will go with the flow and dish out cash for whatever is needed.

If you think like this you’ll soon find out how fast things go downhill and if you hold the apartment lease you may be stuck paying for more than you bargained for if your roommates move out.

When I lived in the UK and went to University I had roommates (flatmates) where we split rent and came up with a simple solution for buying groceries that made sense for the three of us.

We also had house rules which were pretty laid back and for the most part, seemed to be common roommate etiquette.

That meant we kept a roommate cleaning schedule on the refrigerator that we monitored monthly and rotated chores so we weren’t always doing the same chore each day/week/month.

This worked for us and we happily finished our education without any roommate battles.

Creating A Roommate Agreement

A friend of ours who has a son that attends University no longer wanted to live in residence after he finished his first year.

Beginning this September he has secured a house for rent with a few of his friends as roommates.

When visiting his parents which he does often as they live in the same city his mother asked him about the food situation.

When he was living in residence he had a full meal plan that his parents paid for but now he had to provide food for himself.

His mother was concerned and wanted to make sure he wasn’t eating out all the time.

She wanted to know how they planned on buying groceries and who was going to do the cooking.

Her son wasn’t too sure what they were going to do which meant they had not discussed the grocery shopping topic nor set up any roommate rules.

Since his mother, sister and I went to University and we were over for a dinner party when this conversation came up he asked for our advice on what they should do about grocery shopping.

Of course, it was my topic of expertise, but they don’t really know that since I don’t tell anyone I am the blogger at Canadian Budget Binder.

I offered him a few suggestions about how he could approach the situation of food shopping with roommates so he knew there were options along with some pros and cons of each.

First of all, I mentioned that the roommates should sit together and create a roommate rules agreement BEFORE school starts.

Creating a roommate agreement is not difficult and you can easily type it out, have everyone read it, date it and sign it.

Make sure to give everyone a copy of the roommate agreement for reference and keep a copy on the refrigerator for the same purpose.

How To Buy Groceries When You Have A Roommate

how to buy groceries with a roommate

The topic of groceries is what I discussed with them and below are a few options I dished out.

Before I get into this topic I want to add that it’s important to always do a pantry check-list, freezer inventory, and refrigerator sniff.

Related: 30 must-have Student Pantry Staples

The last thing you want to be doing is buying more than you need. Stay organized and it’s a win-win for all, plus you might find you will want to eat out less too.

Related: How to keep an organized pantry

1. Buy your groceries

How much should my grocery budget be?

Set a grocery budget and buy your food. Label it and store it in the refrigerator, cupboards, and pantry if available.

You could even purchase a second-hand beer fridge for your bedroom to stash beer and other goodies you don’t want to tempt others with.

Related: How to create a student budget

The worst is when visitors come and help themselves.

You don’t have to share with anyone nor do you have to worry about running out of stuff or paying for food you don’t want especially if you are on a special diet.

The only con I can think of from my experience is that you have to watch how much you buy so you don’t have food waste.

2. Split grocery expenses with roommates 100%

Create a grocery budget and every week prepare a grocery list with your roommates. Use the grocery flyers or flyer apps to help all of you find the best deals on food.

Just because you are splitting the costs of groceries doesn’t mean you have to pay full price. Save money where you can, when you can.

Either you all go grocery shopping together, rotate who goes, or pair up depending on how many roommates you have.

This is only fair so that everyone participates in this chore as not everyone likes to do it.

One con to grocery splitting 100% is that you will pay for food that you don’t like, won’t eat much of or won’t eat any at all.

There is always one roommate in the bunch that eats more than the rest of you so portion control may be lopsided.

It’s hard to control this unless you can divide portions of all your food.

3. A partial split of groceries

This is a great option and one that we entered into when I was in University.

We all ate different foods so we kept grocery shopping for food personal.

That meant that we bought what we wanted based on our nutritional needs and grocery budget allowance.

What we did split on were products that were common or that we wouldn’t need to have more than 1 of in the refrigerator.

Products such as ketchup, mustard, mayonnaise, baking supplies such as flour, baking powder, etc. we all pitched in on to buy.

This worked out great for us.

How To Create A Grocery List

The best grocery list app I’ve come across is the mobile Flipp app where you can get coupons, check sales prices, and compare from various stores plus create a grocery list at the same time.

Related: How to stock my pantry to create healthy meals.

Using a mobile grocery app is a great way to save time and ensure you don’t lose a paper grocery list which is fairly easy to do, ask my wife.

Then again she’s left her iPhone on the grocery store shelf before too.

We use our printable grocery list which you can download for free if you don’t fancy using an app.

Doing it the old-fashioned way is how we grocery shop because we don’t have a data plan on my wife’s smartphone.

Shopping List

  • Plan your shopping trips ahead of time with the ultimate shopping list.
  • Build your list and then Flipp will find you local deals to make saving easy.
  • Check off items at the store with just one tap to keep you on track.

Paying For Groceries With A Roommate – Reader Feedback

I’m always asking the fans for feedback when it comes to reader questions because we are the source to help each other out.

I knew it was time to bring this topic up for my Ultimate Grocery Shopping Guide since University and College is starting up again to help others who want advice about grocery shopping with roommates.

Here’s what the fans had to say…

Christine- I think I’d be buying my food and purchasing a small bar fridge to keep it in if I had roommates.
Susan- I bought my own groceries when I rented a house with roommates while I was in college. Friends who I didn’t room with all had problems with a roommate or the boyfriend eating the food.

Angela- When I returned from college to live with my parents the first time around, I did pitch in with the groceries. I would take two meals a week and buy what I needed to make it and always a little more. I made those meals too.

MaryI’ve never shared except at a skater’s lodge and cafeteria style meals were provided in the cost of the room & board. So, no choices except take it or leave it. smile emoticon
Colleen- I would prefer to each buy your own groceries and take turns buying cleaning and paper products and maybe even coffee/tea supplies….but…make sure you have a responsible roomie.
Della-I’ve had a roommate and we split the groceries due to each bringing the same number of people to the household and this way, our food budget went farther and didn’t have to wonder/worry if the other family was eating our food.
Tammy-Never been in this situation but if I did have a roommate I think I would want to buy my own groceries for my budget and taste. If you share a grocery budget, it could end up the other person eating way more or wanting higher cost items.
I think it would be too difficult to say go to the store with $100 and have to each get what you want among common items. Just my 2 cents anyway.
Pat-I lived by myself until I moved in with my husband. I think if I did share I would have to buy my food.
Mary- My nephew used to live with us, he would pay us $250 twice a month and usually one of those times we would go to Costco and stock up the freezer and pantry. This way he got to choose what we had also, seeing I did the cooking.
Heather- When we were living in our apartment (my husband and I) with his friend this was like 6 years ago – we always bought our own groceries as it was just easier to get what you like.
Nicola-No, but when I lived with my mom and dad I would contribute and then anything else I would buy myself if that counts.

If you’re not sure what your roommate(s) has planned take the initiative to call a meeting and chat with each other.

Your house rules will either make or break your roommate relationship and possibly your monthly budget.

If finance and friendship is important to you then bring the topic to the table. You will all be glad you did.

Discussion: What other advice or tips can you offer to students moving in with roommates or for anyone who will be renting or splitting rent with a roommate outside of the education system? *Leave your comments below.

Free Money Saving Tools

You WILL want to check this out!

I know I blast you every which way I can on this blog about my free money-saving tools and that’s because I want you to take advantage of them is FREE.

So many people pay for budgets and tools on the internet to help them save money and honestly, you don’t need to.

Even a paper and pen will do the trick.

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

This is the budget that brought us to debt freedom back in 2013 and now I’m offering to all of you for FREE.

We still use this budget every month as it helps us to see our overall financial picture.

2014 Free Money Saving Tools

Don’t pay someone for these services, I’ve done the work for you along with some help from other amazing bloggers.

You can 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!

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.

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. So many free resources at your fingertips.

Ultimate Grocery Shopping Guide

Canadian Grocery Savings Guide

Everything you want to know about grocery shopping in Canada is packed into this amazing FREE grocery shopping guide that has taken over 4 years to create.

The Ultimate Grocery Shopping guide is ongoing with new informative money-saving posts added every month.

Even if you don’t live in Canada some amazing budget-savings tips will help put you on the path to more savings at the supermarket.

Share this guide with your friends and tell them about Canadian Budget Binder especially if they are struggling with their grocery budget.

The time is NOW to get started saving money on groceries so please enjoy the many money-saving posts in The Ultimate Grocery Shopping Guide.

Discussion: What other tips can you offer students who will have a roommate this semester?

Leave your comments below.


2016 Grocery Shop Results

Yearly grocery budget for two + 1 Toddler 2016: $2820

(The above total does not include the stockpile budget of $300/year or $25/month.

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

  • Total Grocery Budget for the Month:$235.00-$40.93=$194.07
  • Total Grocery Budget with any carry-overs $194.07
  • Total Gift Cards used to date: $60
  • Total Rewards Points redeemed this week: $0
  • Total Rewards Points used to date: $0
  • PC Points Plus Earned to date: 294,000
  • Scanning Code of Practice (SCOP) to date $0
  • Shoppers Optimum: Just under 850,000 Optimum points  (I will update this twice a year)

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

  • Zweet to cash out : $18.25
  • Checkout51 to cash out : $22.00

Our Grocery Shop This Week

The final week of August grocery game challenge was a no-shop week for us as we have plenty of food in the house.

  • Total to spend this month : $194.07 $235.00-$40.93 overage from July
  • Stockpile budget 2016 : $25.00
  • Stockpile budget used this month: $23.88
  • Total coupons used this week: $0
  • Total coupons used to date: $15.36
  • Total in-store discounts this week:$0
  • Total in-store discounts to date: $450.34
  • Total spent this week: $0
  • Total spent so far this month: $201.30
  • Total over/Under spend this shop: over
  • Total over/Under spend for the month: over -$5.23
  • Total left to spend for the month: -$5.23
  • Total Spent To Date 2016: (does not include stockpile budget) Jan $252.95 + Feb $249.46 + March $211.11 + April $248.11 + May $279.07 + June $231.96 + July $244.40 + Aug $201.30

Weekly Overview (your final thoughts)

It’s not often we get to say that we have a no-shop week even though we have been working very hard to incorporate them into our grocery budget.

With all of the free food and vegetables that we’ve gotten and stocking up the past month, we have plenty to get us by for now. 

Hip Hip Hooray!!

Coupons and Coupon Apps

Here are some great places you can find Canadian Coupons!

Sign up for the Nielsen Canada Home Scan Program and you can earn rewards points fast to redeem for awesome products or gift cards.

I did this in the UK and loved it!

Plus check out other hidden areas online to get more coupons located in the Ultimate Grocery Shopping Guide or The Free Money Saving Tools page.

Grocery Game Challenge FAQ’s

  • 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. The rules have been updated for the 2016 challenge year.
  • Do I have to be Canadian to post my Grocery Shop?: No, you don’t have to be Canadian to post your shops. We have fans who post their grocery shop who live all over the world.
  • What is the monthly prize and who can claim it?- The monthly prize is a $10 PC Loblaws Gift Card and for our, out of country friends, it’s $10 CDN via Paypal if they win. As more people join I will add more money to the gift card or I will split it up and offer 2 prizes every month.
  • 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. If you choose to post monthly or bi-weekly you will only get 1 ballot for that shop. It’s a proven fact the minute we stop doing something that is scheduled that we end up forgetting to do it altogether. 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?: 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 in order to plan accordingly our budget.
  • Do you stockpile food? 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 longer as we found we weren’t eating it fast enough. Stockpiling is still great and just one way to help cut your budget to save money if you do find items that you can buy in bulk at a sale price.
  • Best Coupon Apps: Coupons are slowly fading with mobile coupon apps being the big rave these days. Just recently the popular coupon site Save.ca that mailed coupons to households has gotten involved with the addition of a new mobile Save.ca app joining forces with the many other coupon apps available. If you find an app that I don’t talk about please let me know as they are always being added and I’d like to review them.
  • What is the Best Flyer App- We use Flipp on our Iphone so if you want 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 Know what stores accept coupons?:  If you are not sure it’s always best to call the store and ask.
  • 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.

Nobody is perfect, heck we struggle with this part of our budget as many people do.

This is why the grocery game challenge was created back in 2012 and is one of the most popular hang out spots for people who want to save money on groceries in Canada.

If you’ve just joined The Grocery Game Challenge 2016 get ready to look at your grocery budget by learning…

  • Where you are spending money
  • How much money you are spending
  • How much money you are saving every month

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

If you know a topic that should be discussed send me an email. If I use your topic I will put your name in a draw for a prize at the end of the year.

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 2016!

Please Note:

Some of the links in the body of the blog post are affiliate links which means I may get paid if you buy something from Amazon.

The items I’ve chosen are the products we use at home or similar to.


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  1. Yearly grocery budget for 4 adults and 2 cats -$7800.00
    (The above total does not include the stockpile budget of $300/year or $25/month.
    Points Overview (add any other sections you need to show us your savings)
    Total Grocery Budget for the Month:$650
    Total Grocery Budget with any carry-overs $650
    Total Gift Cards used to date: $140
    Total Rewards Points redeemed this week: $0
    Total Rewards Points used to date: $0
    PC Points Plus Earned to date: 43810
    Scanning Code of Practice (SCOP) to date $0
    Coupon Apps (add any other apps you use to save money)
    Zweet to cash out : $11.25
    Checkout51 to cash out : $25.75

    Our Grocery Shop This Week
    Foodland #1
    1 jug water -5.49
    2 packs Cashmere TP @3.99
    2 Zcheerios @3.99
    2 Cheeze Whiz @3.99
    3 cases pop @3.69, 2X1.00 coupons
    1 cranberry cocktail -3.19
    2 4pack Kraft dinner @2.99
    1 can pineapple tidbits -1.19
    4 cans pasta sauce @.99
    4 cans tomato paste @.59, AM discount -1.24
    1 block cheese -5.99
    2 4l milk @4.99
    Bananas -.85
    1 bagels -2.99
    Tax -2.48
    Total OOP -$76.23, 2.00 coupons, 1.24 discounts
    Foodland #2
    3 Tide laundry @4.99, rain cheque used
    1 Cheeze Whiz -3.99
    1 jug water -5.49
    1 Cashmere TP -3.99
    2 cases pop @3.69, 2X1.00 coupons
    1 cranberry cocktail -3.19
    2 cans pasta sauce @2/3.00
    1 4pack KD -2.99
    1 jar gherkin pickles -2.49
    1 apple sauce -1.89
    2 4l milk @4.99
    1 ice cream -2.99
    10 lbs potatoes -4.99
    Bananas -1.37
    1 bunch green onions -.79
    1 grated Parmesan cheese -5.30
    Tax -3.81
    Total OOP -$79.60, 2.00 coupons
    Farmers Market
    1 qt apples(Paula Red) -5.00

    The final week of August grocery game challenge was a no-shop week for us as we have plenty of food in the house.
    Total to spend this month : $650.00
    Stockpile budget 2016 : $25.00
    Stockpile budget used this month: $23.75
    Total coupons used this week: $4.00
    Total coupons used to date: $101.12
    Total in-store discounts this week:$1.24
    Total in-store discounts to date: $145.41
    Total spent this week: $0
    Total spent so far this month: $683.19
    Total over/Under spend this shop: over
    Total over/Under spend for the month: over -$33.19
    Total left to spend for the month: -$33.19
    Total Spent To Date 2016: (does not include stockpile budget) Jan $579.69++ Feb $628.96+ March $605.28+ April $584.23+ May $475.36+ June $747.58+ July $631.00+ Aug $683.19+
    Weekly Overview (your final thoughts)
    I was over for the month as I did pick up a few extras in the last week. The pop was on sale and I had coupons. The Tide was from a sale a couple of weeks ago and was the first time they had more than one or two bottles in stock so I grabbed my 3 with the rain cheque. I saved over $5.00 each. The KD was in my price range…anything under $1.00 a box. If it was just me I wouldn’t even bother but hubby and the boys love the stuff. I just won’t pay full price for it. The apples at the market looked so nice and juicy!! They will be a nice treat for now but I hope things cool down so I can make my apple cinnamon rolls soon!! Basicly I just add some chopped Apple and brown sugar to the cinnamon-butter spread before I roll them up…super yummy!! I can get back on track with my budget next month without much trouble as Sept. is a 4 week month. Oct is 5 but I already have my turkey.

    1. Hi Christine,
      Thanks again for the carrot cake recipe!
      Nice deal on the tomato paste! Looks like this shop was more of a stock up on bits in the pantry. The price of potatoes are high which is surprising for this time of year. You should try Katrina’s idea and grow potatoes in a pot. My FIL grows lots of potatoes every year in his garden. If your husband will eat KD without a fuss then by all means feed it to him. If you do make them take photos of the steps and we can use it on the blog. 🙂 I’m sure your carrot cake would be much better looking than mine lol. Honestly I was rushing though as it’s been a hectic month for us. We have our son’s birthday party tomorrow.. well more like a gathering as we’ve already had 2 celebrations for him. Do the pop cases still have the coupons on them? I notice you don’t use many coupons and neither do we any more. I think Jen said she doesn’t either as there aren’t as many out there or they are not relevant to products she buys. They used to be so lucrative. Well done. Another month under our belts. Keep at it. You get ballot 16. Mr.CBB 🙂

      1. I see what I can do about the apple cinnamon rolls for the blog. The biggest issue would be the fact I don’t measure all that accurately making the filling to spread. A lot depends on how juicy and sweet the apples are for adding flour and brown sugar. The juicier, the more flour needed and the sweeter the less sugar needed. I’ll see if I can ballpark it for you. The carrot cake can be the same for the frosting…after 40 yrs of making it I can guesstimate pretty good.
        They just started with coupons in the pop cases so I grab what I can but the pop coupons have an expiry of Oct 8,2016 so I need to work fast on those.
        The Air Miles cash is building up nicely with the personalized deals I get. I’ll have to remember to tell you about my Cheerios deal with next week’s shop….you will laugh!!

  2. Week 35 – Aug 26 – Sept 1, 2016
    Name Your Store: Superstore
    Total Coupons Used: $4.00
    Total Points = 8700
    Total Out Of Pocket: $37.57 (including stockpile)

    4 Classico Sauces – 2/$5.00 = $10.00 (Stockpile)
    2 NN Apple Cider Vinegar = $2.48
    725 g Nutella – $6.47 (PM Zehrs @ $3.99) = $3.99
    4 L 2% Milk = $4.27
    5 Minute Maid Frozen Juices – $0.99 (PM Zehrs @ 5/$3.00) = $3.00
    2 – 2L Chapmans Frozen Yogurt = $7.96

    No shop

    Grocery Game Challenge Results
    Total Grocery Budget for the 2 Adults ($1890.00, for the pay period – $70.00)
    Total Human (Adults) this Week Period: $27.57
    Left for the Month: $42.43
    Total Human (Adults) to Date: $990.43

    Total Grocery Budget for the 3 Cats ($364, for the pay period – $14.00)
    Total Cats this Week Period: $
    Total Cats to Date: $219.64

    Total Grocery Budget for Stockpile ($520)
    Total Stockpile this Week Period: $10
    Total Stockpile to Date: $188.48

    Total Grocery Budget for the Personal Hygiene ($182)
    Total Personal Hygiene this Week Period: $55.31
    Total Personal Hygiene to Date: $226.21

    Total Grocery Budget for Meat ($500.00)
    Total Meat this Week Period: $
    Total Meat to Date: $297.27

    Total Coupons Used this Week Period: $4.00
    Total Coupons Used To Date: $25.96

    Total Discounts/SCOP this Week Period: $
    Total Discounts/SCOP to Date: $4.09

    Total Checkout 51 rebates this Week Period: $0
    Total Checkout 51 rebates to Date: $10.00

    Total Snap rebates this Week Period: $0.00
    Total Snap rebates to Date: $1.00

    Total Price Match for this Week Period: $4.44
    Total Price Match to Date: $243.33

    Total PC Points Received this Week Period: 8700
    Total PC Rewards Points Used this Week Period:
    Total PC Rewards To Date: 29125

    Overview: We blew the Personal Hygiene account out of the water this week but this year, that value was just an estimation so next year will be better. Definitely could have gotten less but a bit of a stockpile for future use, so I’m okay with that.

    1. Hi Dee,
      Long time no chat! How’s things? We didn’t make it to the market yet but we will do our best. I’m back in work 6 days a week now so back to squeezing everything in on a tight schedule. Great deal on the apple cider vinegar. I wonder if No Frills or Zehrs has it too? So you are in the black too for groceries this month. That’s awesome. High 5 to Mary, Christine and Yourself so far!! Not us lol. The good thing about your PH account is that you’ve been tracking it for the year which is exactly what you need to do. Now you will know how to budget for it come January or when you start your new budget. It all falls into place nicely as long as people take the time to invest in their finances. You get ballot #15. MR.CBB

  3. AUGUST – Week #5 of 5- Aug 29-Sept 4, 2016


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



    Hubby starts his vacation on Friday so we’ll be using some “vacation funds” over the next 24 days.

    His birthday is on the weekend so we will celebrate both his and our girlfriend’s birthday with a lunch at Olive Garden. It’s our little tradition that we have and our “gifts and entertainment” budget covered those costs.

    We’ve got a day trip to Nanaimo in the plans to have lunch date & vist with my girlfriend, another one to North Vancouver to see the MIL and SIL and checking out a new-to-us restaurant in Chilliwack that comes highly recommended for a lunch date. The vacation budget is handling all of those meals but did you notice that our “treats” are always at either breakfast or lunch? This is simply because those meals are a lot cheaper than dinners.

    With all our little treats, I am concentrating on using up what’s on hand for our meals in between. The game plan is to finish the month with a NO SHOP WEEK and pat on the back for us…we’re in the black this month and I will carry any balance leftover into next month!









    •Total Loyalty Card Price Reductions This Year:

    Jan $36.76 + Feb $160.96 + Mar $27.00+ Apr $117.96 +May $55.61+June $8.50+ July $46.99+ Aug $13.85 = $467.63

    •Total Coupons/Rain Checks Used This Year:

    Jan $0.00 + Feb $20.46+ Mar $1.00 +Apr $5.23 + May $10.68 + June $0.00+ July $0.00 + Aug $0.00 = $37.37

    •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 = $0.00

    •Total More Points Earned This Year:

    Jan 10 + Feb 182 + Mar 3 +April 48 + May 96 + June 0+ July 573 + Aug 208= 1,120 Points

    •Total Air Miles Earned This Year:

    Jan 6 + Feb 43 +Mar 182 + April 32 + May 24 + June 3+ July 0 + Aug 0= 268 Air Miles

    •Total PC PLUS Points Earned This Year:

    Jan 1800 + Feb 5000 +Mar 5200= April 3,100 + May 0 + June 2,600+ July 0 + Aug 6,600 = 24,300 Points

    •Total Optimum Points Earned This Year:

    Jan 0 + Feb 0 +Mar 0 + April 0 + May 0 + June 40+ July 0 + Aug 40 = 80 Points



    •Total OOP Year-To-Date:
    Jan $196.78 + Feb $193.74 + Mar $182.77 + April $255.43 + May $143.05 +June $182.79 +July $188.72+ Aug($17.93+15.00+$15.00+$45.00+$2.23+$4.58+$30.21-$30.21 Trf from Summer Reserve+$10.19+$29.86+$15.92+$13.07+$2.29= $171.07) = $1,513.14

    •Total Year-To-Date Grocery Budget:
    Jan $190.00+ Feb $190.00 + Mar $190.00 + April $190.00 +May $190.00 + June $190.00+July $190.00+Aug $190.00= $1,520.00

    •Total Over/Under on Year-To-Date Grocery Budget: $6.86 AVAILABLE



    2015 Fwd $0.00+Jan $4.69+ Feb $5.19+ Mar $0.00+ Apr $0.00 + May $4.69 + June $0.00+ July $0.00 + Aug $0.00= $14.57



    2015 Fwd $0.00+Jan $45.00+Feb $45.00+ Mar -$59.58+ Apr $45.00+ May -$22.79 + June -$48.42 + July $45.00 + Aug $45.00= $94.21



    2015 Fwd $217.50+Jan -$49.65 + Feb -$140.69 + Mar $25.48 + Apr +
    -$5.29+May -$9.70 +June $15.00+July -$41.81 + Aug $17.93= $28.77



    2015 Fwd $81.51+Jan $15.00 + Feb $11.61 +$15.00+ Apr $15.00 +May $20.00 + June $15.00+ July $15.00+ Aug $15.00= $203.12



    2015 Fwd $100.00+ $537.50 Trf from Borscht Fund+Jan $15.00 + Feb $11.61+ Mar $0.00+Apr $15.00 + May -$51.21+ June $3.23 +July $7.62 +Aug (15.00-30.21=-$15.21)= $623.54

    This reserve will come in handy when we are in the Okanagan and can stock some nice fruit and veggies to bring home an freeze/dehydrate and can.



    $ 1,520.00 Grocery Budget JAN-AUG

    $ 14.57 Redeemed Points to Purchase Groceries

    ($ 338.59) ADDITION TO: Misc Reserves (Re-Stocking, Xmas & Summer)

    $ 419.67 REDUCTION TO: Misc Reserves (Re-Stocking, Xmas & Summer)

    ($ 94.21) Trf to US Grocery Reserve Net of 2016 Spending

    ($ 14.57) Set in reserve to offset Redeemed Points

    ($ 1,500.01) Actual CASH SPENT



    $ 4.69 Skim Milk- 3,100 MORE Pts – JAN
    $ 5.19 Whole Milk- 3,100 MORE Pts – FEB
    $ 4.69 Skim Milk- 3,100 MORE Pts – MAY
    $ 14.57 Total $ Value of Points Redeemed

    THE VALUE will be added month to month to our Holiday Reserve for next Christmas.

    So far $1,520.00 has been budgeted Y-T-D for 2016 and we have recorded $688.47 of these funds as “spent” and in fact they have been “saved”:

    $ 28.77 Freezer Re-Stocking Fund
    $ 203.12 Holiday Season Fund
    $ 623.54 Summer Season Fund
    $ 94.21 US Shopping Reserve
    $ 14.37 Points Redeemed Reserve

    OUR CURRENT TOTAL UNUSED RESERVES ARE $964.01. This means the $936.51 that we carried forward from 2015 PLUS AN ADDITIONAL $688.47 that we have added in 2016, LESS $660.97 that we have drawn out for use in 2016.


    The valid rain checks I hold are as follows:


    15 x 1L Diet Pesi @ $0.50 per bottle – Good until Sept 16/16
    15 x 1L Lipton Brisk Iced Tea @ $0.50 per bottle – Good until Sept 16/16


    This week’s BREAKFAST menu plan:

    HUBBY: Earl Grey Tea with Lemon Juice + Bagels/English Muffins with fat free cream cheese spread, peanut butter or Cheez Whiz, toaster waffles, hot cross buns OR Rice Krispies cereal with skim milk

    MYSELF: Tetley Tea with Skim Milk & Equal + yogurt, apples, bananas or hard boiled eggs


    This week’s LUNCH menu plan:

    MON: Leftover Pizza for hubby

    TUES: Tuna Sandwiches & macaroni salad

    WED: Cheese, Tomato, Cucumber & Onion Sandwiches with Cup of Soup

    THURS: Imitation Crab Wraps with Green Salad

    FRI: Chicken Salad Sandwiches & Greek Salad

    SAT: Overnight Apple Pie French Toast

    SUN: Hubby’s B-Day lunch at Olive Garden


    This week’s DINNER menu plan:

    MON: Fish & Chips

    TUES: Coleslaw, Sauteed Mushrooms & Gluten Free Tomato Cheese Tart

    WED: French Onion Soup & Philadelphia Cheesesteak sandwiches

    THURS: Small Caesar Salad with Turkey Clubhouse Sandwiches

    FRI: Red Lentil Stew with Ham

    SAT: Pineapple Crockpot Baked Beans

    SUN: Red Robin for hubby’s FREE B-Day burger & a salad for me


    1. Hi Mary,
      How are you? I feel like I’ve been away for 2 weeks… oh wait I have been. It was nice to get away for a bit. Back to business though. Those pineapple crockpot baked beans sound nice. They would be great on toast with sausages on the side mmm. What is the overnight apple pie french toast? That sounds right up my alley.
      This is has been a big month with 5 weeks which still put us over but that was expected. With only a few months until the end of the year I’m curious to see how it all goes down.
      I agree that breakfast and lunch are budget-friendly compared to eating dinner out. I’d load up then too. Wow that’s an awesome rain check for pop… wow $0.50 is great! Well done for August Mary!!! In the black… high 5 to Christine and Yourself so far…. 🙂 You get ballot #14. Mr.CBB

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