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How To Buy Groceries Living With A Roommate

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Learn how to handle roommate grocery expenses before signing a rental agreement.

After moving in with a roommate(s), the last thing you want to learn 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 rent and utility bills costs, as that should be standard.

groceries roommate
How to pay for groceries when you have a 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 didn’t think this could 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 overnight

Section 37B, Miscellaneous Duties (The Friendship Contraction): Leonard must drive Sheldon to appointments like the dentist.

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

The agreement requires having quarterly Roommate Agreement meetings (The Viewing Party Combustion).

At the meetings, the Pledge of Allegiance becomes part of the process. Issues raised at the meetings include what 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 discussing a roommate agreement before you rent together might be a smart financial move.

Moving costs are high 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 essential that all parties create a roommate agreement, signed and dated, so there are no surprises.

You can’t always assume 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 standard 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 task each day/week/month.

This worked for us, and we happily finished our education without 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 friends as roommates.

When visiting his parents, who live in the same city, his mother asked him about the food situation.

When he lived in residence, he had a complete 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 would do the cooking.

Her son wasn’t sure what they would 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 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, 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 quickly 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

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

Related: 30 must-have Student Pantry Staples

The last thing you want to do is buy more than you need. Stay organized, and it’s a win-win for all; you might also want to eat out less.

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 Roommate 100%

Create a grocery budget and prepare a grocery list with your roommate every week.

Use the grocery flyers or flyer apps to help you find the best deals on food.

Just because you are splitting the costs of groceries doesn’t mean you have to pay the total 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.

It’s only fair 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 you don’t like, won’t eat much of, or won’t eat any.

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

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

3. Partial Split Of Groceries

Partially splitting groceries was how my roommate and I split groceries at University.

We ate different foods, so we kept grocery shopping for food personally.

Groceries were purchased based on our nutritional needs and grocery budget allowance.

We split on products that were common or wouldn’t need more than one in the refrigerator.

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

4. How To Create A Grocery List

The best grocery list app is the mobile Flipp app, where you can get coupons, check sales prices, compare stores, and create a grocery list simultaneously.

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 pretty easy to do; ask my wife.

Then again, she left her iPhone on the grocery store shelf.

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 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 knew it was time to bring this topic up for my Ultimate Grocery Shopping Guide to help those who want advice about grocery shopping with roommates.

Susan- I bought my groceries when I rented a house with roommates in college. Friends, I wouldn’t say I liked a room with problems with a roommate or the boyfriend eating the food.

Colleen- I would prefer to each buy your groceries and take turns buying cleaning, 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. This way, our food budget went further, and we didn’t have to wonder/worry if the other family was eating our 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 also had, seeing I did the cooking.

Heather- When we were living in our apartment (my husband and I) with his friend, this was like six years ago – we always bought our groceries as it was 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 unsure what your roommate(s) has planned, take the initiative to call a meeting and chat with each other.

Rules Are Important To Roommate Success

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

If finance and friendship are essential to you, bring the topic to the table. You will all be glad you did.

Discussion: What other advice or tips can you offer students moving in with roommates or for anyone renting or splitting rent with a roommate outside the education system? 

Free Money-Saving Tools

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

The I budget brought us to debt freedom back in 2013, and now I’m offering it to all of you for FREE.

Don’t pay someone for these services; I’ve done the work for you and help from other fabulous bloggers.

You can download the FREE Canadian Budget Binder Budget Spreadsheet in Excel.

Free Money Saving Downloads are fantastic lists created to get us on track to reach 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.

The time is NOW to save 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 with a roommate this semester?

Please leave your comments below.

Grocery Shopping For A Family Of Three

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)

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

Our Grocery Shop This Week

The final week of the August grocery game challenge was a no-shop week for us as we had 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
  • Real in-store deals 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 

We rarely get to say that we have a no-shop week, even though we have worked hard to incorporate them into our grocery budget.

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

Coupons and Coupon Apps For Roommates

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 excellent products or gift cards.

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

If you want to learn everything I know about grocery shopping in Canada, check out my ultimate Grocery Shopping Guide! 

You’ve made a wise decision to take control of your grocery budget.

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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)

    Human
    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

    Cats
    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

    2016 GROCERY BUDGET / STOCKPILE BUDGET AND US RESERVE:

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

    ============================================================================================

    REMARKS FOR THE WEEK:

    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!

    ============================================================================================

    OUR “CANADIAN” SHOPPING THIS WEEK:

    OUR NEXT SHOP WILL BE IN SEPT. 2016

    ============================================================================================

    OUR “US RESERVE” SHOPPING THIS WEEK:

    OUR NEXT USA SHOP WILL BE IN SEPT. 2016.

    ============================================================================================

    2016 Y-T-D GROCERY SAVINGS:

    •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

    ============================================================================================

    2016 Y-T-D GROCERY SPENDING:

    •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

    ============================================================================================

    2016 POINTS REDEEMED RESERVE:

    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

    ============================================================================================

    2016 US GROCERY RESERVE:

    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

    ============================================================================================

    2016 RE-STOCKING RESERVE:

    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

    ============================================================================================

    2016 Y-T-D HOLIDAY SEASON RESERVE:

    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

    ============================================================================================

    2016 Y-T-D SUMMER RESERVE:

    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.

    ============================================================================================

    • SUMMARY OF FUNDS Y-T-D:

    $ 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

    $ 6.86 AVAILABLE Y-T-D SPENDING

    • VALUE POINTS REDEEMED Y-T-D:

    $ 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:

    Safeway:

    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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