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The Grocery Game Challenge Nov 5-11, 2012- Holiday Baking Planning

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Holiday Baking can see the Grocery Budget sky-rocket as prices for baking ingredients typically rise up for the Holiday Season. This potentially just adds more pressure to the grocery budget and why planning is important. Last weeks Grocery Game Challenge I brought up the topic of  Holiday Baking and how it could be a budget buster. We don’t bake as much as we used to as we found we had more hanging around than we were giving away each year. I don’t remember making any traditional British holiday recipes myself when I lived in the UK  I do remember each year my mum would make a lovely British Christmas Cake, comparable to a fruit cake. Mrs. CBB fell in love with this cake (probably because of all the nuts and alcohol in the cake). Now we have narrowed it down to a few Christmas Balls that we enjoy making and packaging for friends and bringing to gatherings. What we like to do is shop ahead of the festivities so we are ahead of the game especially when work parties start in November for some folks. This year we took advantage of Bakers Chocolate Squares found at the Dollar store for only $2.00 which normally […]

The post The Grocery Game Challenge Nov 5-11, 2012- Holiday Baking Planning appeared first on Canadian Budget Binder.


A parking lot scam for money gone wrong

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There’s A Scam For Everything I know what you are thinking and yes there are such things as a parking lot scam and schemes thought up from the best and worst scam artists around. When we go shopping around here it’s normal to see someone sitting on the ground playing the guitar or some other instrument hoping to make a few bucks. In the past I’ve heard that’s just another way to earn extra money although some may think it’s a scam, especially if they have a sign that says they need money, but do they really? Who knows, if they aren’t approaching me I leave them to it and if I like the music I toss in a buck or two at least for the few moments of entertainment. It ends up being more of a judgement call at the end of the day, at least for me. I give someone credit for getting out there to share a skill with the world. What are the latest scams? I don’t know much about parking lot scams but I know that there is a scam for everything out there and we have to protect ourselves. The scams to avoid are […]

The post A parking lot scam for money gone wrong appeared first on Canadian Budget Binder.

The Grocery Game Challenge Nov 4-10, 2013 #1: Holiday baking on a budget

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HOLIDAY COOKIE SMELLS FILL THE AIR The holiday season is fast approaching and whether you buy cookies or enjoy baking cookies some of the best cookie recipes may cost your holiday baking budget some cash if you don’t plan in advance. With less than 2 months until the festivities there’s no better time to get baking than the present. If you wait until the last-minute you might find you get overwhelmed with having to shop for gifts, plan a dinner, getaway to the relatives, work and friends Christmas parties and then bake on top of it all. Some of my favourite Christmas cookie recipes that I like to bake and to eat are the butter cookies and the sugar cookies both of which are fairly inexpensive to make with butter being the costly baking ingredient. Making sugar cookies from scratch are probably one of my favourite cookies to make because it reminds me of home. My mum used to make shortbread but the butter, sugar and shortbread cookies all taste the same with a bit of difference in texture. This past year I posted a few of our favourite holiday treat recipes such as chocolate peanut butter balls, coconut balls […]

The post The Grocery Game Challenge Nov 4-10, 2013 #1: Holiday baking on a budget appeared first on Canadian Budget Binder.

How to chop everyday food costs without coupons: The Grocery game challenge #3 June 16-22, 2014

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SAVE BY BUYING LESS   I know what you are thinking if you are a coupon lover and swear by the savings but you can also chop your everyday food costs without coupons. Just like the header says, save by buying less and it’s true. People tend to overspend when grocery shopping for everyday food for a variety of reasons and we’re included in that group. We’ve since been working on keeping that at bay and it’s not so bad as long as you find your grocery shopping triggers. Using coupons, especially if you aren’t a pro at it takes time to organize every week so you must be willing to make that time in order to reap any rewards. Sure some weeks may be better than others but for those who simply don’t have the time you don’t need coupons to save money on groceries as long as you are smart with what you buy.   Using coupons   We were heavily into using coupons during the years 2010-2012 until the big coupon rage took off and Extreme Couponing in the USA blew up the television screen. In that time more coupon bloggers joined the blogosphere which is now […]

The post How to chop everyday food costs without coupons: The Grocery game challenge #3 June 16-22, 2014 appeared first on Canadian Budget Binder.

Should you really shop at a bulk food store? : The Grocery Game Challenge #2 Oct 6-12, 2014

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THE MORE YOU BUY THE CHEAPER IT IS… OR IS IT?   Most people would assume that if they buy food from a bulk food store that it would cost less than buying at a local grocery store. I’m not just talking about a bulk food store like the Bulk Barn but also stores like Costco that people believe help slash their grocery budget. Almost two years ago when I participated in the Welfare Food Challenge I agreed that buying in bulk would help keep costs lowered for those who want to stick to a budget. It’s true as long as you are always getting the ‘best price’ for the size/amount you buy. What is also important to consider is here as well is quality of product. If you aren’t then likely the savings aren’t going to be great.   Bulk Food Store Savings   We don’t have a Costco membership which you have to pay for and factor into your overall costs. This cost can run you anywhere from $55 a year for a business membership to a $110 for an executive membership. Through the grapevine I’ve heard that if you buy a Costco gift card or one was […]

The post Should you really shop at a bulk food store? : The Grocery Game Challenge #2 Oct 6-12, 2014 appeared first on Canadian Budget Binder.

The Perfect Vanilla Ice-Cream Sandwich (Low-Carb)

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A HOMEMADE SUGAR-FREE TREAT THAT IS LOW-CARB AND PERFECT WHEN YOU CRAVE SOMETHING SWEET   My wife was in the mood for something sweet the other night and kept bugging me to help her create a vanilla ice-cream sandwich treat for the summer. I got to work making the cookie base for the vanilla ice-cream sandwich which wasn’t easy and took me a few tries. The tender cookies don’t take long to make however it’s the batter consistency that you need to watch out for. The cookie batter should look frothy and not dense. When I eat an ice-cream sandwich I don’t want to have a hard cookie base. You expect to bite into an ice-cream sandwich where your teeth sink through the soft cookie, into the ice-cream and again through another cookie. I am not a fan of the ice-cream sandwich with the hard cookie as I find the ice-cream squashes out too easily and a big mess is born. Don’t get me wrong they taste good and I wouldn’t turn one down but for my wife I knew that being on a low-carb diet that most cookies that we create do come out of the oven moist. The […]

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Mr. CBB

Mr. CBB was born and raised in the United Kingdom who then moved to Canada where he is a permanent resident. He recently became a father to a very busy toddler who allows him to be a kid at heart. He bought his first house at the age of 21 after University and his second at the age of 24. Both Mr.CBB and his wife are Debt and Mortgage Free and they did it all in under 5 years using a Budget. Canadian Budget Binder is a place where he shares their financial experiences with his readers and hopes to learn about theirs. Welcome to CBB!

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Maple Bourbon Pecan Roasted Almonds (Low-Carb) (Sugar-Free)

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THE SMELL OF ROASTED ALMONDS AND HEALTH BENEFITS ALONE ARE WORTH THE COSTS.   Almonds are the new Super Food along with just about every other nut on the market according to packaging at the grocery store. Why? Nuts are full of nutrients and come packed with plenty of health benefits. Almonds also known by the Indian name “Badam” and are packed full of nutrients including vitamin E which is great for your hair, skin, digestive track and cholesterol levels. Years ago Mrs. CBB and I went into an Indian store in Brampton and purchased a bottle of Almond oil to use on her hair and skin. It’s amazing how  lovely and soft it made her hair. I suggested that she try almond oil only because I’ve been to India a couple of times and almond oil is used everywhere for beauty and cooking. Consumers are flocking to the coconut oil section for the same reason and more. Every time I read a label in the health and beauty aisle that a product has a nut oil I laugh because they are so expensive. Cut the middle guy out and buy the real deal. We have two large jugs of […]

Author information

Mr. CBB

Mr. CBB was born and raised in the United Kingdom who then moved to Canada where he is a permanent resident. He recently became a father to a very busy toddler who allows him to be a kid at heart. He bought his first house at the age of 21 after University and his second at the age of 24. Both Mr.CBB and his wife are Debt and Mortgage Free and they did it all in under 5 years using a Budget. Canadian Budget Binder is a place where he shares their financial experiences with his readers and hopes to learn about theirs. Welcome to CBB!

The post Maple Bourbon Pecan Roasted Almonds (Low-Carb) (Sugar-Free) appeared first on Canadian Budget Binder.

Top 5 Christmas Cookies For The Budget Baker : The Grocery Game Challenge 2016 #4 Nov 29-Dec 4

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Christmas Cookies Without The High Costs Start Now In Your Kitchen.   This time of year budget bakers are on the hunt for Christmas baking ideas that won’t cost them a fortune. Just because you have a tight budget doesn’t mean you can’t enjoy home-baked Christmas cookies. You don’t need to be a baker to make simple Christmas cookies that you can bring to a holiday cookie-exchange or to wrap up as gifts for friends and family. I’m betting if we did a count of hands here that most of us would love to receive homemade Christmas cookies over a boring gift that doesn’t suit them. Everyone loves Christmas cookies! Related: Holiday Baking On A Budget Some of the best Christmas cookies that I’ve ever had before came from our family kitchen and those of our relatives. I must admit my wife’s family is quite amazing when it comes to baking and the holidays. There is never a holiday that we don’t show up at the in-laws house without our Christmas cookies. My mother-in-law has a huge spread on the dining room table and her side table full of Christmas cookies, Christmas cakes, Panetone, Chocolates of all descriptions. Turtles comes […]

Author information

Mr. CBB

Mr. CBB was born and raised in the United Kingdom who then moved to Canada where he is a permanent resident. He recently became a father to a very busy toddler who allows him to be a kid at heart. He bought his first house at the age of 21 after University and his second at the age of 24. Both Mr.CBB and his wife are Debt and Mortgage Free and they did it all in under 5 years using a Budget. Canadian Budget Binder is a place where he shares their financial experiences with his readers and hopes to learn about theirs. Welcome to CBB!

The post Top 5 Christmas Cookies For The Budget Baker : The Grocery Game Challenge 2016 #4 Nov 29-Dec 4 appeared first on Canadian Budget Binder.


Easy Cherry Almond Cake

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A FESTIVE CHERRY ALMOND CAKE SURE TO PLEASE EVERYONE   Cherry Almond Cake is a must-have fresh-baked cake in our household for the Christmas holidays. I, like lots of other people do quite a bit of home baking for Christmas but prefer to do more easy cakes and squares rather than cookies. Last week you might remember my Frosted Apple Cinnamon Rolls drenched in a silky glaze, perfect for Christmas morning with a cup of tea or coffee. You can make that too but first let’s talk about this simple Cherry Almond Cake that even a novice baker can make. Each year around November I pull out my collection of traditional Christmas recipes to start preparing the ingredient shopping list. You’re always sure to save money on your grocery bill if you plan your Christmas baking needs ahead of time. Related: 20 Basic Baking Ingredients to Power Up Your Kitchen Over the years I’ve collected recipes from just about any outlet that I can. Sometimes, I will take a recipe and add my twist to it which I think most people do. That’s the great thing about easy recipes or those that you can add or take away some of […]

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Mr. CBB

Mr. CBB who was born and raised in the United Kingdom, moved to Canada where he is now a permanent resident. He is also a father to a very active 3 year old boy which keeps him young at heart.
He bought his first house at the age of 21 in the UK after graduating University and his second at age 24. Mrs. CBB bought her first house at the age of 30. Both Mr.CBB and his wife are 40-ish year-old finance lovers who accomplished debt freedom before the age of 40. Canadian Budget Binder is a fun, family-friendly place where he shares their financial journey with his readers and hopes to learn about theirs. No silver-spoon just hard work and perseverance. Welcome to Canadian Budget Binder! You've got this!

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Free Printable Checklist Of Common Spices For Your Kitchen : The Grocery Game Challenge 2018 #3 Mar 19-25

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SUPPLY YOUR KITCHEN WITH THESE FAMILIAR SPICES AND ADD A SPLASH OF FLAVOUR TO ALL YOUR MEALS   Having common spices on hand that many recipes call for is one of the smartest and most inexpensive ways to flavour your dishes. It’s that time of year when we do a full spice cabinet wipe and clean along with an inventory of what we have on hand or need to replenish. Get your FREE Printable Common Spices Checklist below!!   Storing Herbs, Spices and Extracts   My father-in-law would make sure his organic herbs were properly dried in parchment paper and sat in a box that resembled a pop case. He’d dry the herbs in the basement on a long 8 foot table during the winter and eventually he would have boxes of herbs to use. There were always herbs hanging upside down from the ceiling as if there were bats in the house. “Be careful what you walk into”, he used to tell me if I would go down to grab something. Once dried always store your spices in a dry space such as a kitchen cabinet where moisture won’t have the opportunity to get inside. Having a good kitchen […]

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The post Free Printable Checklist Of Common Spices For Your Kitchen : The Grocery Game Challenge 2018 #3 Mar 19-25 appeared first on Canadian Budget Binder.

8 Costly Baking Ingredients To Include On Your Flyer Watch-List : The Grocery Game Challenge 2018 #3 May 14-20

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STOCKING UP IS THE ONLY WAY TO GET WHAT YOU WANT FOR LESS   Walking down the baking aisle at the grocery store or even the bulk food shop is cringe-worthy at times when you start to see the prices of baking ingredients. Here’s the thing though, you have to understand that food costs money and eating well is possible on a budget but YOU must do the work to find the deals. If you are a savvy shopper you need a flyer watch-list which simply means a master list of products that you WILL use but are far more expensive than others you purchase. This means that you will keep an eye on prices for those products in particular because when the time  and price is right you should stock up. This is where a reserve fund or stockpile budget really comes in handy for the everyday consumer. Baking ingredients have always been higher to the consumer who values pre-made products over baking only because we see what we want to see when it comes to pricing. It’s far more convenient to buy a 6 pack of muffins for $5 rather than a bag of flour for $8 especially […]

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The post 8 Costly Baking Ingredients To Include On Your Flyer Watch-List : The Grocery Game Challenge 2018 #3 May 14-20 appeared first on Canadian Budget Binder.

Copycat Starbucks Strawberry Acai Pink Drink Keto Style

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YOUR GO-TO SUMMER PINK DRINK LOW ON THE CARBS AND SUGAR-FREE   When Mrs. CBB made her way to Starbucks on the way home from a recent trip she decided to try their popular pink drink known as the Strawberry Acai Starbucks Refresher but keto style. In all honesty she had no idea what she was about to order but the barista was very helpful and together they created a sugar-free Passion-Fruit Strawberry Pink Drink made with coconut milk. Now that the warm weather is officially here we thought no better way to celebrate than to make the expensive grande $6.20 Starbucks Pink Drink at home. This will obviously be a huge savings to the Starbucks Pink Drink lover and for anyone who wants to control the amount of sugar and carbs they are getting in their diet. Before we started our keto pink drink we put our large fancy glasses in the freezer to frost them up. Nothing better than a cold, frosty drink in a frosty mug. Right? Ingredients for Strawberry Acai Starbucks Refresher (these are the original ingredients) Ice, Strawberry Acai Base [Water, Sugar, White Grape Juice Concentrate, Natural Flavors, Citric Acid, Natural Green Coffee Flavor, Fruit […]

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10 Best Foods To Bulk Buy When On Sale : The GGC 2018 #2 June 4-10

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WHEN THE PRICE IS RIGHT A BULK BUY MIGHT BE RIGHT FOR YOU   Doing a bulk buy doesn’t necessarily mean you need to make a pit-stop to your local bulk food store. The term bulk buy is all about stocking up but not stockpiling everyday essentials that will help lower your overall grocery budget. I’m sure you’re wondering if there is a difference between stockpiling and a bulk buy and the answer is yes and no depending on how you interpret the two. Stockpiling in my opinion is buying in mass quantity for current and future use similar to grocery store shelves or an emergency shelter. When you bulk buy it may be just one or a few items that you buy in large amounts to feed more people or to stretch until the next sale. Example: You buy 3 pounds of butter instead of 1 because it was on sale. If you were to stockpile it you’d have 20lbs of butter instead of 1lb. What does stockpile mean? Stockpile- noun   a large amount of food or goods that are kept ready for future use They have a stockpile of food that will last several months. – Cambridge […]

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The Grocery Game Challenge Nov 5-11, 2012- Holiday Baking Planning

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Holiday Baking Cupcakes

Holiday Baking can see the Grocery Budget sky-rocket as prices for baking ingredients typically rise up for the Holiday Season. This potentially just adds more pressure to the grocery budget and why planning is important. Last weeks Grocery Game Challenge I brought up the topic of  Holiday Baking and how it could be a budget buster. We don’t bake as much as we used to as we found we had more hanging around than we were giving away each year. I don’t remember making any traditional British holiday recipes myself when I lived in the UK  I do remember each year my mum would make a lovely British Christmas Cake, comparable to a fruit cake. Mrs. CBB fell in love with this cake (probably because of all the nuts and alcohol in the cake). Now we have narrowed it down to a few Christmas Balls that we enjoy making and packaging for friends and bringing to gatherings.

What we like to do is shop ahead of the festivities so we are ahead of the game especially when work parties start in November for some folks. This year we took advantage of Bakers Chocolate Squares found at the Dollar store for only $2.00 which normally cost $3.99 at the grocery store. Best of it is, they are the same product. Another ingredient that shocks Mrs.CBB is the price of nuts. Nut prices jump in price from Oct- Jan and we almost question whether baking certain holiday recipes for Christmas is worth it. We sit down each year and make a list of Christmas recipes we will make and plan all the ingredients we will need. There’s nothing worse than having to run out in the middle of winter to get an ingredient.

Yesterday at Freshco they had 300 g bags of Walnut pieces on sale for $3.77 which was a great deal considering last year we paid around $12.99 a pound for these nuts. We picked up 3 bags or 900 grams worth for baking as it is a main ingredient in most of our easy Christmas Balls recipes.  Sometimes we venture off and make special holiday cookie recipes we find on-line or in a magazine where you can get great recipe ideas. You do the math and you can see how much cheaper it was to stock up now on walnuts instead of waiting until the prices hit the roof.  We also shop for butter a few months in advance and freeze it for baking Holiday recipes or Festive Christmas Cakes.

  • When do you shop for your Holiday Baking Ingredients?
  • What are some of the best holiday cookie recipes you have tried?
  • Do you have any traditional Christmas recipes for cookies?
  • Do you budget money for Holiday Baking?

So although we won’t start the Holiday baking bonanza just yet planning for festive baking is important especially if you don’t have separate budget for these expenses.

The Grocery Game Challenge Canada MVP

Lastly, I want to send out some CBB Love for those fans that have committed to playing The Grocery Game Challenge each week with me. What I have seen over the course of the year from all of you is that you share an inherent passion for sticking to your grocery budget. I have seen many of you make impressive improvements and I commend you. I hope that next year we can grow even bigger and encourage others not only from Canada but from around the world to post their grocery shop. So please join in and post your shop. If you have any questions, ask I’m always around. -Mr.CBB If  I missed you I apologize, just let me know and I’ll add you in!

Grocery Game Challenge Results

Total Grocery Budget for the Month for 2 Adults:$190.00 at $63.33 for 3 weeks of shopping with 1 No-Shop Week per month.

Some Store Acronyms I might  use:
  • No Frills= NF
  • Wal-mart=WM
  • Food Basics= FB
  • Shoppers Drug Mart= SDM

Food Basics

  • 1 x bag of mung beans Sale $2.49
  • Fresh Ginger $0.62
  • Purex Laundry Soap $2.97-$1.00
  • Dempsters Farmhouse Bread $2.99-FPC
  • 2 x Hellman’s Mayo- Sale $2.97-1.00
  • 4 x pomegranates reduced rack $1.99
  • 2 x bread sale $1.59

Total Out Of Pocket: $14.49

No Frills

  • 8 x cheese bars (found more coupons at FB) Sale $2.47- $0.75
  • 4 x Hellman’s Mayo Sale $2.97-$1.00

Total Out of Pocket-$21.64

Freshco

  • 4 x Ital Pasta Sale $0.77
  • 3 x California Walnuts 300 g $3.77
  • 5 x Limes Sale $0.20
  • Dates Sale $0.99
  • 6 x Nescafe Instant Coffee Sale $3.77

Total Out of Pocket- $39.00

Weekly Grocery Game Challenge Results for Mr. and Mrs. CBB

  • Total Grocery Budget for the Week: $63.33
  • Total Coupons Used this Week:$5.99+$10.00=$15.99
  • Total Scanning Code of Practice: $0
  • Total Spent This Week:$75.13
  • Total Spent So Far for November: $99.21+75.13=$174.34
  • Total Over/Under spend this shop: $11.80
  • Total Over/Under spend for the month of November: $15.66
  • Total Left to Spend for the Month: $15.66
  • Total Coupons Used This Month : $45.33 + $10.00 Spending Card+$15.99=$71.32

Overall: Well we have one shop left for the month and one no-shop week left for the month. We stocked up on cheese, mayo and coffee this week which will do us into Jan 2013 and then some. It should be interesting to see where we will spend our $15.66. Stay tuned!

Frequently Asked Questions 

  • 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 a few posters from around the world.

  • When does the Grocery Game Close each month?

The Grocery Game Challenge Closes at Midnight of the last Sunday of the last post for the month. You can post your shops all month-long so if you miss a week you can go back and post so you still get your entry in the monthly contest.

  • Does Your Grocery Budget Include Health and Beauty and Laundry?

Yes our Grocery Budget includes such items as shampoo, conditioner, laundry soap, fabric softener, dish soap etc. We don’t mind stockpiling items that won’t be effected 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. We are currently well stocked with those products since we used coupons heavily the past couple of years. We haven’t really stocked up on much but we have taken every opportunity to purchase more paper towel, toilet paper, fabric softener and a host of other items that are an excellent price with coupon.

There are many places you can find Canadian Coupons whether it be in store or via the mail. I would suggest following an on-line coupon community or coupon Facebook page in your area.

Canadian Coupon Match-Ups- Match your coupons with flyer sales!

Here are your Coupon Match-ups for Nov 9-Nov 15, 2012 the week  from around Canada compliments of Save Big Live Better. Just one of my favourite Couponing sites for finding the hottest grocery deals in Canada!

Here are a few coupons we picked up while shopping this week.

Canadian Coupons November 2012

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Santa Cupcakes  Credit -Pinterest 

The post The Grocery Game Challenge Nov 5-11, 2012- Holiday Baking Planning appeared first on Canadian Budget Binder.

A parking lot scam for money gone wrong

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parking-lot-scams

There’s A Scam For Everything

I know what you are thinking and yes there are such things as a parking lot scam and schemes thought up from the best and worst scam artists around. When we go shopping around here it’s normal to see someone sitting on the ground playing the guitar or some other instrument hoping to make a few bucks.

In the past I’ve heard that’s just another way to earn extra money although some may think it’s a scam, especially if they have a sign that says they need money, but do they really? Who knows, if they aren’t approaching me I leave them to it and if I like the music I toss in a buck or two at least for the few moments of entertainment. It ends up being more of a judgement call at the end of the day, at least for me. I give someone credit for getting out there to share a skill with the world.

What are the latest scams?

I don’t know much about parking lot scams but I know that there is a scam for everything out there and we have to protect ourselves. The scams to avoid are the one’s that make you go hmm and scratch your head. If you aren’t feeling good about something ask for more information. One simple fact to remember is “If it’s too good to be true it usually is”. Just last week I read an article online about a job scam that has been going on for ages which is back up and running again in another city.

It had to do with going undercover as a secret shopper and a cheque gets sent to you and you have to cash it and instantly send the rest back before the cheque has cleared. I have to shake my head to wonder who would fall for this, but these people are slick. They know what they are doing and sometimes even the smartest person can get fooled. They prey on certain people and can tell what you are like just by having a conversation with you and they feed off it.

Types of Scams and Fraud

  • Identity theft
  • Payment card fraud – debit card, credit card
  • Mass marketing (you know those emails you get saying that you won 10 million dollars or that your lost relative left you 3 million dollars in an overseas account)
  • Telemarketing fraud – phone calls
  • Email fraud other On-line fraud

The list goes on and on and someone will always think up a creative way to get hold of your hard-earned money, so protect it. If you think you are being taken for a ride, call the police and see what they have to say. A criminal is a criminal. If you want to learn more about the different types of scams above and more you can check out the Royal Canadian Mounted Police site as they share plenty of information to keep you informed on scams and fraud.

The situation

It was a normal grocery shopping day for us, the sun was shining and we were engaged in a conversation about how much money we had just saved in the grocery store. I don’t know what it is but from the time we leave the grocery store right up until we get to our parking space that’s when we talk about our purchase and read receipts to make sure the prices are correct.

There have been a number of times when we have found a scanning error which resulted in using the scanning code of practice on the receipt. Sometimes we think we are swift when it comes to keeping tabs on the cash register but all it takes is to lose focus and you can miss a scan, thus a potential error.

While we were chatting I was loading our groceries into our vehicle. We had refrigerated items that we needed to get home fast because it was the hottest day of the year even though we had our insulated bag. 

As I finished loading the last box of groceries Mrs. CBB hopped in the vehicle and was waiting when this guy approached me. Here I thought my parking space was far enough away that we didn’t have to worry about dealing with people. Sometimes people park so close to my vehicle or do what I call “park stupid” because they just can’t get it right so I always park as far away as possible.

The guy was tall, mid 30’s, with long blond straggly hair wearing a Toronto Maple Leafs jersey and blue jeans. He certainly wasn’t a parking lot attendant, but who was he? His approach was abrupt as I wasn’t expecting anyone to talk to me at my vehicle, who does? The most I ever say is, “oh here I’ll give you my quarter for your shopping trolley so you don’t have to wheel it back”. 

Now, I’m not an expert on scam artists but what I do know is this guy was dodgy from the moment he said “Can you….”. There was something off about him. Now, I don’t judge anyone as that’s not the type of person I am. If he needed help with his car (besides opening it up) I would have gladly helped him as I was fully equipped to do so. The problem, there was no car as we later learned.

My wife had the look of concern on her face and hid her purse under the seat, but even if he were to draw a gun or weapon of sorts I’m sure she would have just given it to him. I’m not a small guy by any means but I’m not Superman, a knife is a knife, a gun is a gun and both can kill. Warning, don’t pull a Crocodile Dundee.

She had her cell phone in plain view as well to make it seem that if she needed she could call 911 or the police for help. I know it sounds extreme but you have to be weary of strangers as an adult as well as a child.

We hear of auto scams where people take your attention away from what you are supposed to be doing then jump in your vehicle which you have the keys and purse/wallet in. In this case the vehicle had my wife in it.

What did he say? I know you are all dying to know by now. Probably on the edge of your seat biting your nails, with one hand in a bag of buttery popcorn, haha. I promise, I was open-minded and tried not to laugh.

Parking lot scammer: Dude, I locked my keys and wallet in my car across the road at Bulk Ban and I need $3.00 to take the bus home to get my spare keys.

Now, Bulk Barn is far across the road so who in their right mind would want to go there on the hottest day of the year to help him? (his way of thinking) They would likely give him the $3.00 or tell him to piss off. Nice target day to scam people though, brilliant.

Me: Really, that sucks!

Parking lot scammer: Ya, I really need some cash to get home so do you have $3.00 I can have?

Me: You know you can just run over to the oil and lube place and they likely have a Slim Jim kit in there or if you’d like I can call the police because they always carry one in their trunk. I can also meet you over there and see if I can help you out in any way if you like?

He is now visibly shaken as he kept digging a hole the more he talked.

Parking lot scammer: Oh, I didn’t know that (BS you didn’t)

Me: So how do you plan to get back if your wallet and keys are locked in your car and you have no money? How will get into your house with no keys?

Mrs. CBB– Hangs out the window…. I can call the police for you from my cell if you like? (waving it in the air from side to side but in a kind way with a smile)

Parking lot scammer: No no it’s OK, thanks anyways and was across the parking lot faster than a ferret up a trouser leg.

He gave a whole new meaning to “parking lot job” that day and as we drove off we watched him approach another guy putting his groceries away across the parking lot. My wife made a quick phone call to the mall security to let them know what was going on. As security came out he made a mad dash to a tree at the end of the parking lot, unlocked his pedal bike and away he went.

There could have been a million reasons why he needed the money. He needed medication, travel funds, clothing, food for himself or his family, alcohol, drugs, smokes, to pay bills, gas for a car…etc. The problem was he said it was for the bus with a story that didn’t add up.

So, in the end no one got hurt but the guy was already talking to another potential victim while we were making the call. He wasn’t going to stop there but I’m sure if people fell for his trap all those $3.00 donations would add up to a nice chunk of change at the end of his “work day”.

Sad part is, it likely won’t be the last time he is out looking for money while trying to scam someone. It’s also another sign of just how bad some people have it and they will do anything to make ends meet. Scams happen all over the world, don’t ever let your guard down.

When a stranger approaches you how do you handle that situation especially if they ask you for money?

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The Grocery Game Challenge Nov 4-10, 2013 #1: Holiday baking on a budget

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baking-supplies-ingredientsHOLIDAY COOKIE SMELLS FILL THE AIR

The holiday season is fast approaching and whether you buy cookies or enjoy baking cookies some of the best cookie recipes may cost your holiday baking budget some cash if you don’t plan in advance.

With less than 2 months until the festivities there’s no better time to get baking than the present. If you wait until the last-minute you might find you get overwhelmed with having to shop for gifts, plan a dinner, getaway to the relatives, work and friends Christmas parties and then bake on top of it all.

Some of my favourite Christmas cookie recipes that I like to bake and to eat are the butter cookies and the sugar cookies both of which are fairly inexpensive to make with butter being the costly baking ingredient. Making sugar cookies from scratch are probably one of my favourite cookies to make because it reminds me of home. My mum used to make shortbread but the butter, sugar and shortbread cookies all taste the same with a bit of difference in texture.

This past year I posted a few of our favourite holiday treat recipes such as chocolate peanut butter balls, coconut balls and snow balls all of which are my most popular blog post recipes this time of year. I haven’t been making cakes as much this year as I did in 2012 but they can get quite costly as well depending on what type of cake you are making.

 

Cost of  baking

 

baking-ingredients-food-basics

Around the holidays using alcohol, sugar, butter, nuts, flour and even out of season fruits like figs and apricots can drive the price up of Christmas cakes that you might make for those special holiday gatherings.

The prices of walnut pieces are at $17.99 a pound right now in the bulk store and If I see a sale you can bet I’ll jump in and grab them while I can. Just yesterday we picked up 4 bags of granulated sugar on sale for $1.44 which is the cheapest I’ve seen in ages so I picked up the limit of 4 at No Frills.

I find I use lots of walnuts and pecans for holiday baking and the manufacturers know that bakers around the world commercially and in-house bakers like us will go through lots of nuts so expect the price to stay high for the most part. What we like to do is if I find them cheap throughout the year we buy them and freeze the nuts.

You might remember all the cashew nuts we bought a few weeks back in our grocery game post and it was for the $1.99 price tag that we bought them because we know that nut prices will sky-rocket. If you are peanut fan you can usually find large bags of seasoned or salt and roasted nuts at Shoppers Drug Mart on sale for $2.50 a bag which is a great price in my opinion.

I have a friend whose mother makes a chex mix and bags it up every year for their friends and family in clear bags and wraps with a bow. They give these away as gifts with a bottle of wine as a gift rather than buying gifts and it may seem simple and it is but it is very costly. Nuts and some chips like Fritos are not cheap but certainly make this treat one that we all look forward to every year as a tradition.

 

Shop early

 

What we do is start looking for Christmas baking ingredients earlier in the year or even a few months before the holidays. Butter has been on sale the past few months for around $2.88 a pound so we loaded up on a few pounds here and there and store it in the freezer.

Butter will keep in the freezer for a few months but be cautious about how long it stays in there. We store it in a freezer bag and track dates on our freezer inventory list that is in our file folder. You can download a free copy from the blog if you want to track what is inside your freezer.

Some people stick to the very simple and make easy peanut butter cookies to munch on for the holidays and you can easily chocolate them up by adding some of your favourite chocolate chips or chunks. The best chocolate chips to use if you are making simple choc chip cookies (that’s how the wife says it but I say choccie) are a mix of semi-sweet and milk chocolate for me personally but it differs depending on your sweet-tooth preference.

The price of chocolate chips can get very costly although if you watch you might find the bulk bag 1kg of Hershey’s Chipits on sale for $6.99 or even $7.99 which is a decent price. If you are a Costco member you might find the cost of baking ingredients to be cheaper in bulk packaging as long as you will use the product which most people do who like to bake over the holidays. We’ve always found the best baking ingredients to be found at the bulk barn but not necessarily the cheapest in price.

If there is an odd ingredient or you need fancy baking supplies especially if you want to make decorated holiday cookies usually the bulk barn will carry it unless you know of a baking supply store in your area or even try Micheal’s stores.

Do you make any Christmas cookie recipes or other holiday treats?

How far in advance do you plan to shop and bake?

How do you factor in holiday baking costs into your budget?

 

Grocery saving tips

 

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

Free Money Saving Downloads are awesome lists that were created to get us on track to work towards reaching our budgeting goals and now we are sharing them with you.

I hope you take the time to get back on track and start the saving process in your grocery budget today.

Get organized with a freezer inventory, meal plan, shopping list, price comparison list and much more all for FREE.

NEW!! You can now download the Canadian Budget Binder Budget Spreadsheet in Excel…… Grab it while you can… It’s FREE! We use it to budget.. check it out!

 

November Grocery Game Challenge Posts

 

Since this is the first installment of the November grocery game challenge I will announce the October winner here. The winner of the grocery game for October goes to….. drumroll please…… #14 MARY C. I really hope we can get more fans on board with the grocery game challenge this month so please help me spread the word.

Mary if you can contact me I will get your coupon envelope sorted out and sent off to you in the mail as soon as possible. You all make me proud. Thank you for participating with me every single month. We must have a GGC end of year online party 🙂 I’ll bake the brownies mmmm.

 

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Missed past Grocery Game posts? Catch up on all the latest grocery saving posts below!

 

Food food and more food

 

what_s-in-mrcbbs-shopping-cart

Food Basics

  • Sweet Potatoes $7.23 Sale $0.88lb
  • Pumpernickel Bread Sale $2.00
  • Bananas $1.18
  • 3 Mangoes $2.64
  • 2 x broccoli $0.88 each
  • 2x White Mushrooms Sale $0.88 227g
  • Reduced cucumbers x 3 $1.69
  • 2 x Egg Creations reduced $1.50-$1.00 coupons
  • 1KG Bucket Krinos Feta $13.99

Total out of pocket $33.25

Bulk Barn

  • 2x Organic Apple Cider $1.00 each reduced

Total out of pocket $2.00

No Frills

  • 4x Redpath Sugar  sale $1.44 each
  • 3x Catch of the day Basa Fillets Sale $8.88 each
  • Avocados Sale $1.88 5ct
  • Baby bok choy $3.36
  • Bosc Pears $1.31
  • 5lb Clementines $3.88
  • 6lbs Macintosh apples Sale $2.97

Total Out of Pocket $45.80

Yearly grocery budget for two: $2819.38

 

  • Total Grocery Budget for the Month: $235.00 or $78.33 week with one no-shop week per month or $58.75 for 4 weeks per month. (During the months with 5 weeks we just make it work)
  • Total Budget For November $235.00
  • Total Coupons Used this Week : $2.00
  • Total Discounts this Week: $0
  • Total Gift Cards Given Used this Week: $0
  • Total Rewards Points Used: $0
  • Stockpile Budget: $0 Used $0
  • Total Spent This Week: $81.05
  • Total Spent So Far for November $81.05
  • Total Over/Under spend this shop: $0
  • Total Over/Under spend for the month of (November): $0
  • Total Left to Spend for the Month: $153.95
  • Total Coupons Used This Month: $2.00
  • Total to Carry Over Next Month: $0
  • Total Spent To Date This Year: $206.95 (Jan)+ $160.77 (Feb) + (March)$169.62 + (April)$397.74+(May) $155.68 + (June) $216.01+ (July) $235.83 + (August) $182.35 + (September) $255.69 + (October) $196.64=  $2177.28 (does not include stockpile budget)
  • Rendezvous Account: $65.38+$17.24 =$82.62<> This is money saved if there is any leftover at the end of a month of grocery shopping for a date night for the wife and I.
  • Weekly Overview: This was a big shop for us and we wanted to load up on the fish since it was on sale and we love Basa fillets. We find that the cost of meat is getting so high now and if we can eat fish for less than we will opt for that choice instead along with sausages. We aren’t big red meat eaters so we don’t miss too much but it’s a pity the cost of chicken is so high at the moment.

 

Canadian Coupons Found

 

Canadian-Coupons-November-2013

 

Frequently Asked Questions

 

 

Read the rules first and if you have any questions email me or comment on this post with your question and someone will answer you as soon as possible.

 

  • Do I have to be Canadian to post my Grocery Shop?

 

No, you don’t have to be Canadian to post your shops only to win a monthly prize. We have fans who post their grocery shop who live all over the world.

 

  • When does the Grocery Game close each month?

 

The Grocery Game Challenge closes at midnight of the last Sunday of the last post for the month. You can post your shops all month-long.

 

  • Does your Grocery Budget include health and beauty and laundry products?

 

Yes our Grocery Budget includes such items as shampoo, conditioner, laundry soap, fabric softener, dish soap etc. We don’t mind stockpiling items that won’t be affected by expiry dates or have long expiry dates but not so much food any more. It’s just one way to help cut your budget to save money.

 

 

Here are your latest Coupon Match-ups of the week including Checkout 51 from 25 Newspaper Inserts around Canada compliments of Save Big Live Better that you can use to help you save money in the Grocery Game Challenge.

 

  • What is an FPC?

 

An FPC is a free product coupon which means you can get a free product as described on the coupon.

 

 

You can find all your store coupon policies here. If you are not sure it’s always best to call the store and ask.

 

 

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 budget to make it work. Nobody is perfect, heck we struggle with this t of our budget like many people do and this is why the grocery game challenge was created.

If you have just joined The Grocery Game Challenge 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.

You’ve made a wise decision.

Welcome to The Grocery Game Challenge Canada!

 

-Mr.CBB

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How to chop everyday food costs without coupons: The Grocery game challenge #3 June 16-22, 2014

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Grocery Game Challenge June- Everday foodSAVE BY BUYING LESS

 

I know what you are thinking if you are a coupon lover and swear by the savings but you can also chop your everyday food costs without coupons.

Just like the header says, save by buying less and it’s true. People tend to overspend when grocery shopping for everyday food for a variety of reasons and we’re included in that group.

We’ve since been working on keeping that at bay and it’s not so bad as long as you find your grocery shopping triggers.

Using coupons, especially if you aren’t a pro at it takes time to organize every week so you must be willing to make that time in order to reap any rewards.

Sure some weeks may be better than others but for those who simply don’t have the time you don’t need coupons to save money on groceries as long as you are smart with what you buy.

 

Using coupons

 

We were heavily into using coupons during the years 2010-2012 until the big coupon rage took off and Extreme Couponing in the USA blew up the television screen.

In that time more coupon bloggers joined the blogosphere which is now saturated with websites wanting to show you how to save money using coupons. Some of our favourite Canadian coupon websites have taught us lots about couponing in Canada and they still do for many of my fans.

I’ve mentioned before that our stockpile is pretty large when it comes to health and beauty and laundry so we haven’t had to spend much in our budget over the past few years for such products. Just this morning we both said how little of a dent we’ve put in our massive stash but the food has dwindled down to very little.

If you look at our coupon usage for 2014 you will see we have only saved upwards of $39.00 using coupons and we’ve just started to use the popular coupon apps to save a bit more when we can. Coupon apps for us are not like paper coupons rather added store savings as long as you are willing to put the effort into grabbing it.

 

Buying less

 

What we’re not doing these days is buying more than we need with coupons and we hardly if ever take that coupon binder with us. In an earlier post I talked about whether we eating too much food which is driving up the cost of our everyday food budget. Sure that may be one culprit but wanting to buy more than we can handle is also another.

There used to be a time where we wouldn’t leave home without the coupon binder but lately we have had no need. Our grocery list stays pretty consistent each week and if a coupon comes up for products we use we will pack them in an envelope ready to go shopping. Otherwise we don’t bother because we simply don’t want to spend more money in our budget than we need to.

That was a huge issue for us and although we did get many deals over the years there are plenty of products we can look back on and say we could have gone without.

Just having a walk around our stockpile we see items that haven’t been opened and may never get opened. At the time it seemed like a great deal even if we still paid the taxes and likely a bit of money towards the product as not everything was free. We didn’t want to be that couple any more so we took the coupon usage down a notch. We used to buy taco kits, crackers and I can’t tell you how many boxes of cereal we had at any given time.

Lots of the cereal went to the garbage or was donated because we just didn’t eat it on time. Looking back we didn’t need 10 taco kits or boxes of crackers or 100 cans of baked beans. Why? It’s simple, we still have food that has not yet expired but we will end up donating it as we can’t get through it all.

Sure, donating is great but donate because you want to not because you have product you can’t get through. We really wanted to change our shopping and dietary habits so we felt better with our grocery budget and the way we chose to eat and spend our money.

 

Ways to save on everyday food without coupons

 

Coupons are still a great way to save but let’s pretend for a moment that coupons don’t exist or it’s rare to find coupons any longer. What other ways can you save money in your grocery budget?

 

Price Matching

 

Don’t get me wrong we still use coupons but it’s not necessary to use them all the time to snag great deals. Many of you know that price matching is a super easy way to get the best prices utilizing the weekly flyers. Everyday food prices are competitive among the grocery stores so don’t forget to plan ahead and bring your flyers or smartphone with you to save money.

 

Savings Apps

 

If you have a computer or smart phone you can now use the popular savings apps which are not coupons per say, rather grocery savings without coupons like I mentioned above.

The best part is these apps are increasing the number of fresh foods and produce that they showcase each week for those that sign up. We love that and any seasoned couponer knows that we never got the sheer amount of fresh produce savings with coupons as we can today with these apps. You don’t need to bring your coupons but you can still reap the rewards of saving money.

 

Grow your own food

 

Another way to save money on groceries is to grow your own vegetables. I’ve said it before and I’ll say it again, organic tastes better but if you plan to pay for it in the store be ready to pay some hefty prices.

Although many people choose to eat organic they also stick to their budget buying only what they need eliminating all the “extras” just because there is a coupon attached to it.

 

Free food

 

Just the other day I noticed on a Facebook Free Stuff group that a follower asked if anyone had any extra Rhubarb that they wouldn’t mind sharing. In just one hour she had 3 people offer her rhubarb from their gardens. I was amazed but not shocked.

So, if you know what is in season don’t be shy to ask if anyone has anything they’d be willing to part with, especially if they can’t get through it all. In the past we’ve offered free fruit such as raspberries and apples online simply because we didn’t want to see it waste.

Just this past week I helped my friend with some work in his backyard that he didn’t know how to do. I never charge my friends for things that seem simple to me so he offered me organic produce that he buys in bulk as payment. I couldn’t say no so we grilled up some lovely asparagus for dinner the next night.

If you have some spare time on your hands local farmers are always on the hunt for help where the payment is free food. You get to pick free food from the land you help grow just for trading services.

 

Share your land

 

If you have a large piece of property you can let other green thumb gardens use your land to grow their garden. In return they can offer you free fresh organic produce but they do the work to grow it.

Another way is if you have a large garden you can rent out your land to other growers and use that money to buy groceries which helps balance your grocery budget so you can use that money for other bills or debts you may have.

 

Local farmers

 

You can also save more by visiting local farmers in your area or farmers markets where they love to haggle so keep that in the back of your head too. In the summer picking your own fresh from the garden such as fruits and vegetables are another super saver for everyday foods that normally plague the grocery budget.

You might even notice sellers on Facebook or other social media with straight sell produce boxes from local area farmers. They will even deliver the produce right to your door for a small delivery fee. If there is something you don’t like in the box you can negotiate another product.

 

Reduced product

 

We love pink stickers and reduced products because they still have life in the product but with it comes a giant grocery savings. If the store can make some money off the product they will do what they can rather than take a loss on it.

 

Cook homemade

 

This leads me to the top reason you don’t need coupons to save money for groceries and that’s because you are cooking homemade meals. Even though you can still use coupons to buy your canned food products and fresh products when they are not available ditching the pre-made foods for homemade soups, stews, casseroles (casa-roll-ehs! for all my What’s for Dinner fans) can really cut your budget.

You can also stretch the budget by eating proper meal portions and bulking food out with plenty of beans and vegetables. If you have a freezer you can bulk cook as well to save money.

Most often, we don’t need the snacks we think we do when fresh fruit and crisp vegetables will do the trick. Just yesterday Nicola shared a recipe for homemade granola bars which eliminates all the added ingredients that most people can’t pronounce, the need for coupons but keeps the pure bliss of home-baked goodness.

 

Is our plan working?

 

My wife and I were looking over our grocery budget and noticed that we haven’t been doing too badly with sticking to our food plan. We buy the odd convenience type foods and canned good but for the most part we’ve managed to do it all without hardly using any coupons.

All I can say is the reason behind this is everything I’ve listed above. If you find you use lots of coupons try for one month not to use them by eliminating all the foods you really don’t need to get because you have those coupons.

Examples would be crackers, cookies, cakes, granola bars, chocolate bars and pre-made meals. Instead, focus on making homemade snacks or choosing better options.

We also find with less of the products in the house that we used to buy just because we had coupons or thought we needed the product the less we reach out for them. Just last night we noticed Oreo cookies on sale for $1.77 at Canadian Tire. Sure that’s a great deal and no we don’t need them.

If we want cookies that bad we can make them homemade but if we buy bags of cookies then we’ll likely pile through them with or without restraint. It’s always harder when they are in stock and an arms length away.

Stock your pantry with healthy everyday food such as raisins and other dried fruits, variety of nuts and seeds, chipits, honey, granola, oats, dry chick peas and other delicious snacks.

Sure, you may get lucky if you have a Bulk Barn coupon to use but even if they aren’t available by eliminating other items that you don’t need will make room to pay for these better options. Even the Bulk Barn has great deals if you shop around such as 25%-50% off products.

If you are a bulk food shopper who likes to go to Costco keep in mind that not all bulk food is the best priced everyday food so do the math.

My nephew never asks for crackers, cookies or other sweets. Instead he loves boiled carrots and for snacks he loves dried and fresh fruits and nuts alongside a big bowl of creamy yogurt. He gets no sugar infested juice, instead he gets milk or water as his beverages of choice. A treat comes once in a while but that’s what it’s meant for.

So go ahead and buy a treat if you must have them in the house just don’t buy 10 kinds of treats. Don’t give up before you start and don’t say “you need it” because you probably don’t.

What other ways can the fans save money on everyday food without using coupons? Share your shopping secrets in the comment section along with your grocery game shop of the week!

 

June grocery game challenge posts

 

If you missed any grocery game posts for the month I will post the line-up for the month each week here in this section for you.

 

Grocery saving tips

 

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

Free Money Saving Downloads are awesome lists that were created to get us on track to work towards reaching our budgeting goals and now we are sharing them with you.

I hope you take the time to get back on track and start the savings process in your grocery budget today.

Get organized with a FREE freezer inventory, meal plan, shopping list, price comparison list and much more all for FREE. CLICK HERE to download all the free lists and even our family budget spreadsheet for FREE.

NEW!! You can now download the FREE Canadian Budget Binder Budget Spreadsheet in Excel…Grab it while you can… It’s FREE! We use it to budget and in large part a reason we were able to pay our mortgage off in 5 years, check it out!

 

Ultimate grocery shopping guide

 

Everything you want to know about grocery shopping in Canada is below with new information added monthly.

If you 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 and let me know.

 

Food food and more food

 

shopping-cart

 

Shoppers Drugmart

  • 4L of Neilson Milk $3.97

Total out of pocket $3.97

Zehrs

  • 2  500g containers of ricotta $5.49-Pink stickers =$2.75 each
  • 6 x Cloverleaf Tuna Sale $0.88 each
  • Cottage Cheese Sale $2.99- $1.00 coupon
  • Celery stalk Sale $1.99
  • Birthday candles Sale $0.89 each-pink stickers $0.45 each
  • 2 large pkgs of Angus beef mince $7.05 and $8.93

Total out of pocket $32.71

 

Grocery shop results

 

Yearly grocery budget for two: $2820

(The above total does not include the stockpile budget of $240 per year or $20 per month.)

  • Total Grocery Budget for the Month: $235.00 or $78.33 week with potentially one no-shop week per month or $58.75 for 4 weeks per month. (During the months with 5 weeks we just make it work)
  • Total Budget for June $235.00-$20.89=$225.49/4=$56.37 per week or $75.16 per week if we do 1 no-shop week.
  • Total Coupons Used this Week : $1.00
  • Total Coupons Used to date: $40.25
  • Total Discounts this Week: $5.50
  • Total Discounts Used to date: $39.76
  • Total Gift Cards Used to date: $33.18
  • Total Rewards Points Used: $0
  • Total Rewards Points Used to date: $20.00
  • Stockpile Budget ($20.00): $20.00
  • Stockpile Budget Used to Date: $20.00+$19.08+$17.94+ $2.06+$20.00+$15.10 + $20.00 (June)
  • Total Spent This Week: $36.68
  • Total Spent So Far June: $71.21+ $67.10+$36.68=$17499
  • Total Over/Under spend this shop: under
  • Total Over/Under spend for the month: n/a
  • Total Left to Spend for the Month: $50.50
  • Total to Carry Over Next Month: $n/a
  • Total Spent To Date This Year: (does not include stockpile budget) Jan $242.66+ Feb $191.74+ March $255.82+April $235.07+May $223.62+June
  • Weekly Overview: We didn’t need too much this week since we are trying to use up what we have in our freezer which includes tonnes of cut green peppers from last year as well as Swiss chard from the family garden. We also have bags of fruit that we bought 2 years ago although I’m not sure if we should just dump them into smoothies now. The fruit is still good but just another point of us using coupons to buy too much food because it was cheap with a coupon. We are hoping to get rid of our freezer and downsize to a medium freezer in the next couple of months.

 

Coupon Sleuth

 

Did you find any coupons? If so share the details in the comment section of this post where you found it and what the coupon is for with expiry.

Summertime savings booklets are at the bulk food store so if you have a local Bulk Barn head on in for a coupon booklet before they are all gone.

July 2014 Bulk Barn Coupons Canada

Frequently Asked Questions

 

  • Grocery Game Challenge RULES: Read the rules first and if you have any questions email me or comment on this post with your question and someone will answer you as soon as possible.
  • Do I have to be Canadian to post my Grocery Shop?: No, you don’t have to be Canadian to post your shops only to win a monthly prize. We have fans who post their grocery shop who live all over the world.
  • When does the Grocery Game close each month?: The Grocery Game Challenge closes at midnight of the last Sunday of the last post for the month. You can post your shops all month-long.
  • Does your Grocery Budget include health and beauty and laundry products?: Yes our Grocery Budget includes such items as shampoo, conditioner, laundry soap, fabric softener, dish soap etc. We don’t mind stockpiling items that won’t be affected by expiry dates or have long expiry dates but not so much food any more. It’s just one way to help cut your budget to save money.
  • What is an FPC?: An FPC is a free product coupon which means you can get a free product as described on the coupon.
  • How Do I Grocery Shop?: I can tell you about grocery shopping and what we do in terms of shopping to save money and how it works for us. There are no wrong or right answers, just smart choices.

Over time you will gradually learn where you should and shouldn’t go in the grocery store or at least how to say no, I’m on a budget I need to buy this or that.

You may also substitute items in order to stick to your grocery budget to make it work. Nobody is perfect, heck we struggle with this part of our budget like many people do.

This is why the grocery game challenge was created to not only show you that we are like everyone else but to bring us all together to work as a team to get our budgets on track.

If you have just joined The Grocery Game Challenge 2014 get ready to dive deep into your grocery budget and learn just where you are spending, how much you are spending and what you are saving.

Feel free to read all the above posts that I linked to above which I feel are relevant to learning about the grocery budget and grocery shopping in general.

You’ve made a wise decision to take control of your grocery budget now show me your shops and let’s get saving!

Welcome to The Grocery Game Challenge Canada 2014!

-Mr.CBB

 

Money Quote Logo CBB

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The post How to chop everyday food costs without coupons: The Grocery game challenge #3 June 16-22, 2014 appeared first on Canadian Budget Binder.

Should you really shop at a bulk food store? : The Grocery Game Challenge #2 Oct 6-12, 2014

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Bulk Food Store WalnutsTHE MORE YOU BUY THE CHEAPER IT IS… OR IS IT?

 

Most people would assume that if they buy food from a bulk food store that it would cost less than buying at a local grocery store.

I’m not just talking about a bulk food store like the Bulk Barn but also stores like Costco that people believe help slash their grocery budget.

Almost two years ago when I participated in the Welfare Food Challenge I agreed that buying in bulk would help keep costs lowered for those who want to stick to a budget. It’s true as long as you are always getting the ‘best price’ for the size/amount you buy. What is also important to consider is here as well is quality of product. If you aren’t then likely the savings aren’t going to be great.

 

Bulk Food Store Savings

 

We don’t have a Costco membership which you have to pay for and factor into your overall costs. This cost can run you anywhere from $55 a year for a business membership to a $110 for an executive membership.

Through the grapevine I’ve heard that if you buy a Costco gift card or one was given to you then you can by-pass needing the membership although I’ve never tested this out before.

I’ve been in the store a few times with my sister-in-law. If you know your prices like I do it won’t take you long to figure out what’s worth buying and what you should pass up. I will agree that you get what you pay for though.

Each time I went to Costco I’ve walked out empty-handed except once where we loaded up on baby wipes. We did the math and even though the world of baby was still new to us because we had just found out we were having a baby we didn’t know the prices like we thought we did.

We loaded up on giant boxes of Kirkland Baby Wipes that just happened to be on sale the day we went in. According to my sister-in-law who is also a mother she said they were a great deal at $15.99.

I confess that years ago we were extreme couponers and when my sister-in-law had her baby we stocked up using Smart Source coupons to make the single packages of Huggies wipes $0.99 each after coupon. This was where the math came from in the moment of deciding whether to buy those Kirkland wipes. Probably not the smartest financial decision because I really didn’t base my numbers on equal size boxes.

When we were calculating the figures at Costco for our own baby budget we thought we were getting a great deal for the big box of baby wipes but looking back, we didn’t. Not even a week later we were at Zehrs and found the giant boxes of Pampers wipes on sale for less and more in the box. Saying that, it’s always hit or miss. One week the Kirkland might be the best deal. It always boils down to price knowledge at the end of the day.

Pampers is well marketed around the world as one of the best baby brands along with Huggies so we now know that we could have saved some money had we of known the prices of the baby products. The point here is that we thought we were getting the best deal buying in bulk at Costco but it turned out, we didn’t.

Many people believe that just because they are buying in bulk it must mean it’s the best price around. I’m pretty sure those of you that agree with me have done the math before and sure some products will give you more bang for your buck but going wild shopping when you go to Costco (people do it all the time.. admit it) can significantly increase your grocery budget for no reason.

 

Savings outside of the bulk food store

 

If you are one of those people who don’t have patience to grocery shop, use coupons or shop flyer sales then yes shops like Costco will likely be your best savings bet. The laws of economics: If you buy x amount you can negotiate better prices but whether it trickles down to the consumer depends on the store.

If you can hang on tight and shop at the grocery store you may find you can save much more after applying rewards points, coupon app savings, coupons, flyer deals, reduced product, discontinued product etc.

What is considered bulk?

Another type of bulk food store that many people flock to are the bulk stores where you can buy just about any pantry item, well… in bulk. It’s tempting when you walk through the door  at the Bulk Barn (this is the shop in our area) just as it is when you go to Costco and you can easily spend far more than you anticipated.

I have to ask though why people buy from the Bulk Barn for example when they really aren’t buying in bulk unless they are buying a mass quantity of it. If you are buying chocolate chips for example and only buying enough to equal a package from the grocery store make sure you are getting the best deal. Sometimes prices are higher on bulk food items depending on whether they are in season such a nuts which always increase in price come winter.

Next time you go to the bulk food store have a look around to see what products they market to you as soon as you walk through the door. At Costco you will see sales as soon as you walk in the door and the same goes for the Bulk Barn however you might find more candy and junk food upon entering.

Everyone likes snacks and treats and people love seeing big huge pails and buckets full which almost force your hand to pick up the scoop. We do go to the bulk food store to shop but only for specific products that we know that we can score a great deal on.

The good thing about the Bulk Barn is they often have a flyer coupon (also a printable Bulk Barn coupon)-when available for spend $10 save $3 which is when we go shopping. The problem is the coupon isn’t always available so when it is get your shopping list ready for those pantry staples.

Some of the items we buy at the Bulk Barn that we know we can get cheaper is rolled oats, nuts, brown sugar, icing sugar, pure vanilla extract. Those are just products specific to us but if they are on sale during the time we have the coupon it makes it an even better deal.

If you need any specific health food items, gluten-free foods, sugar-free or even animal food and treats you can score some savings if you watch the prices matched with the coupon. We use the coupon which helps bring the cost down and makes it worth it for us to shop there.

The only time we may find that the grocery store trumps the bulk store price is when the grocery store has a sale and even with the bulk food store coupon applied to the shop it would make more sense to buy at the grocery store.

 

Don’t get side-tracked

 

Bulk Barn candy is very tempting and the only way to avoid buying it is to stick to the plan, get in and get out. It’s no different when you shop at Costco and likely why so many people end up with hundreds of dollars in their cart when they might have went in to just “look around” or to buy specific products.

There’s a reason there are samples all over Costco and grocery stores, to entice you to buy. The only problem with Costco is that you are buying larger amounts. Food waste is a big deal and throwing food out because it is past expiry really makes no sense when your goal is saving money.

At the end of the day it’s hit or miss when shopping at a bulk food store whether it be shops like Costco or the Bulk Barn. You also have to consider the size of your family and whether the convenience of buying in bulk is worth it for you.

The only financial defense you will have is making sure you know your prices so you can make the informed decision so you don’t bulk out your budget instead of your pantry.

What products do you buy in bulk that saves you money? Do you think that bulk food stores really are money saving shops?

 

October grocery game challenge posts

 

If you missed any grocery game posts for the month I will post the line-up for the month each week here in this section for you. Join in the Grocery Game Challenge fun and post your grocery shop in the comment section of each blog post… here are the GGC rules!

How quick means can be a lifesaver for new parents: The Grocery Game Challenge #1 Sept 29-October 5,2014

 

Grocery Saving Tips

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

Free Money Saving Downloads are awesome lists that were created to get us on track to work towards reaching our budgeting goals and now we are sharing them with you.

I hope you take the time to get back on track and start the savings process in your grocery budget today.

Get organized with a FREE freezer inventory, meal plan, shopping list, price comparison list and much more all for FREE. CLICK HERE to download all the free lists and even our family budget spreadsheet for FREE.

NEW!! You can now download the FREE Canadian Budget Binder Budget Spreadsheet in Excel…Grab it while you can… It’s FREE! We use it to budget and in large part a reason we could pay our mortgage off in 5 years, check it out!

 

Ultimate grocery shopping guide

 

Everything you want to know about grocery shopping in Canada is below with new information added monthly.

If you missed a Grocery Game Challenge post some of the most popular posts are listed below or you can now find the posts listed on their own page called The Ultimate Grocery Shopping Guide.

If you know a topic that should be discussed send me an email.

 

Food food and more food

 

shopping-cart

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

Grocery Game 2 Oct 6-12, 2014

 

Grocery shop results

 

Shoppers Drug Mart

  • 2 x Neilson Milk 4L $3.97 each
  • Dozen Eggs $1.99
  • Danone Greek Yogurt $3.99-$2.00 SDM internet coupon

Total out-of-pocket $10.93 plus 20150 Shoppers Optimum points when you spend $75 or more. We bought a case of Enfamil Ready Feed Bottles which falls under baby budget.

 

Food Basics

  • 3 x Honey Bunches of Oats $1.99
  • 2 x Shreddies $1.99
  • Astro Original Yogurt $3.29 (they forgot to take coupon off so I’ll call and get that sorted out)
  • 2 x Mushrooms reduced $0.99 each
  • 4 x Triscuit Onion and Sweet Potato $1.44 each
  • 2 x Pillers Honey Ham  $2.99 each were $6.00 each reduced
  • Yoplait Yogurt 12 $4.99- FPC
  • Chicken Breast $8.17, $8.80
  • Romaine Hearts $1.88
  • 4 x Campbell’s tomato soup $0.50 each
  • Seedless cucumber $0.97
  • 2 x Johnsonville sausages $$4.99-$1.50= $3.49, 44.49-$1.35=$3.14
  • 2 x tortellini $1.99 each
  • Red Onion $0.94
  • Bananas $1.48
  • Tomatoes $1.57
  • Steel Cut Oats $2.69 (apparently this helps with breastmilk production… along with fenugreek and mother’s milk tea)

Total out-of-pocket $67.06

 

Yearly grocery budget for two: $2820

(The above total does not include the stockpile budget of $240 per year or $20 per month.)

  • Total Grocery Budget for the Month: $235.00 or $78.33 week with potentially one no-shop week per month or $58.75 for 4 weeks per month. (During the months with 5 weeks we just make it work)
  • Total Budget for October $235.00-$49.30 (overspend in September)=$185.70
  • Total Coupons Used this Week : $6.99
  • Total Coupons Used to date: $61.19
  • Total Discounts this Week: $2.85
  • Total Discounts Used to date: $51.71
  • Total Gift Cards Used to date: $33.18
  • Total Rewards Points Used: $0
  • Total Rewards Points Used to date: $20.00
  • Stockpile Budget ($20.00): $ 19.92 (6 x Bavarian bread and 2 x Ta Ta Tea)
  • Stockpile Budget Used to Date: $20.00+$19.08+$17.94+ $2.06+$20.00+$15.10 + $20.00 (June)+ $22.44 (July) + (August) $8.00+ (September) $0 + October $
  • Snap Groupon to date: $19.25
  • Zweet to date: $4.00
  • Cart Smart to date: $0
  • Checkout51 to date: $12.75
  • Total Spent This Week: $77.99
  • Total Spent So Far October:$40.92+$77.99+$118.91
  • Total Over/Under spend this shop: $n/a
  • Total Over/Under spend for the month: over $n/a
  • Total Left to Spend for the Month: $66.79
  • Total to Carry Over Next Month: $n/a
  • Total Spent To Date This Year: (does not include stockpile budget) Jan $242.66+ Feb $191.74+ March $255.82+April $235.07+May $223.62+June $275.37+ July $203.36+ August $228.26+ Sept $272.80+ Oct $
  • Weekly Overview: It’s going to be a tough month for us in October as we have a smaller budget this month. We loaded up on bread that is normally $2.99, chicken breast and cereal this shop. We wanted to make sure we were eating healthy even though we are eating quick meals.

 

 Coupon Sleuth

 

Did you find any coupons? If so share the details in the comment section of this post where you found it and what the coupon is for with expiry.

October Canadian Coupons 2014

 

Frequently Asked Questions

 

  • Grocery Game Challenge RULES: Read the rules first and if you have any questions email me or comment on this post with your question and someone will answer you as soon as possible.
  • Do I have to be Canadian to post my Grocery Shop?: No, you don’t have to be Canadian to post your shops only to win a monthly prize. We have fans who post their grocery shop who live all over the world.
  • When does the Grocery Game close each month?: The Grocery Game Challenge closes at midnight of the last Sunday of the last post for the month. You can post your shops all month-long.
  • Does your Grocery Budget include health and beauty and laundry products?: Yes our Grocery Budget includes such items as shampoo, conditioner, laundry soap, fabric softener, dish soap etc. We don’t mind stockpiling items that won’t be affected by expiry dates or have long expiry dates but not so much food any more. It’s just one way to help cut your budget to save money.
  • What is an FPC?: An FPC is a free product coupon which means you can get a free product as described on the coupon.
  • How Do I Grocery Shop?: I can tell you about grocery shopping and what we do in terms of shopping to save money and how it works for us. There are no wrong or right answers, just smart choices.

Over time you will gradually learn where you should and shouldn’t go in the grocery store or at least how to say no, I’m on a budget I need to buy this or that. You may also substitute items in order to stick to your grocery budget to make it work. Nobody is perfect, heck we struggle with this part of our budget like many people do.

This is why the grocery game challenge was created to not only show you that we are like everyone else but to bring us all together to work as a team to get our budgets on track. If you have just joined The Grocery Game Challenge 2014 get ready to dive deep into your grocery budget and learn just where you are spending, how much you are spending and what you are saving.

Feel free to read all the above posts that I linked to above which I feel are relevant to learning about the grocery budget and grocery shopping in general. You’ve made a wise decision to take control of your grocery budget now show me your shops and let’s get saving!

Welcome to The Grocery Game Challenge Canada 2014!

-Mr.CBB

 

Money Quote Logo CBB

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The post Should you really shop at a bulk food store? : The Grocery Game Challenge #2 Oct 6-12, 2014 appeared first on Canadian Budget Binder.

Keto Maple Bourbon Pecan Roasted Almonds

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keto maple-bourbon-pecan-roasted-almonds-pinterestTHE SMELL OF ROASTED ALMONDS AND THE HEALTH BENEFITS ARE WORTH THE COSTS.

Keto Maple Bourbon Roasted Pecan Almonds are sugar-free and the perfect keto snack to eat on the go, at work or at home.

Roasted Almonds are the new Super Food along with just about every other nut on the market according to the packaging at the grocery store.

Why? Nuts are full of nutrients and come packed with plenty of health benefits.

Almonds also are known by the Indian name “Badam” and are packed full of nutrients including vitamin E which is great for your hair, skin, digestive track and cholesterol levels.

Years ago Mrs CBB and I went into an Indian store in Brampton and purchased a bottle of Almond oil to use on her hair and skin.

It’s amazing how lovely and soft it made her hair.

I suggested that she try almond oil only because I’ve been to India a couple of times and almond oil is used everywhere for beauty and cooking.

Consumers are flocking to the coconut oil section for the same reason and more.

Every time I read a label in the health and beauty aisle that a product has a nut oil I laugh because they are so expensive.

Cut the middle guy out and buy the real deal.

We have two large jugs of Nutiva Coconut Oil in our house which we use for many purposes.

Most people believe that almonds are nuts but in fact, they are a seed and not a nut.

Like you, I even thought almonds were nuts until I did some research of my own.

Almond or ‘badam’, as we call it in India, is basically an edible seed of a tree native to the Middle East and South Asia. Almond is not a true nut.

The almond fruit is actually a drupe consisting of an outer hull and a hard shell which contains the white edible seed.- source

According to the organic facts article linked above almonds have many health benefits but should not be eaten by those who have gallbladder or kidney problems.

They do contain oxalates, and excessive oxalates can cause crystallization, which can lead to a host of different issues. 

People that have kidney or gallbladder problems should avoid eating almonds.

Health Benefits of Almonds

health benefits of almonds

What are the health benefits of almonds?

The above link was an interesting article to read because I had no idea just how many health benefits almonds had.

I knew there were lots but did you know that almonds were good for your brain? I didn’t but now that I know that I’ll be eating a handful every day.

Here are a few other health benefits you can learn about in the two articles linked below.

You can also find everything related to almond nutrition if you’re interested in the numbers.

Just look at this massive list of health benefits for almonds!

20 Amazing Benefits and Uses for Almonds

Health Benefits of Almonds

  • Regulation of Cholesterol
  • Bone Health
  • Good for your Heart
  • Immune system benefits
  • Healthy Skin
  • Anti-inflammatory
  • Regulation of Blood
  • Boosts your energy levels
  • Prevention of Cancer
  • Protection from Diabetes
  • Excellent for pregnant women
  • Weight loss
  • Constipation
  • Anti-Ageing benefits
  • Treatment for acne and dark circles
  • Dry skin treatment
  • Spots and marks
  • Treatment for dandruff
  • Helps build strong bones and teeth

Almonds for Keto Weight Loss

As you might already know as a regular reader of the blog my wife has enjoyed a keto lifestyle for over a year now, successfully.

She can’t imagine going back to the way she was eating before which consisted of far too many carbohydrates in her diet.

Switching to low-carb high-fat eating has forced her to read product labels and through this practice, she has learned more about nutrition than ever before.

Part of the low-carb lifestyle includes almond flour, almond meal, raw almonds, roasted almonds, sliced almonds and almond milk.

Unsweetened Almond milk is used as a beverage or included in recipes such as chocolate avocado pudding.

Mrs CBB loves her almonds roasted the best especially when she is after a snack that has lots of crunch.

We also both add salted roasted almonds to our salads to super boost the nutritional value.

Fixing the Keto Sweet Tooth

Recently Mrs CBB was asking if there was any way we could make roasted almonds but with a sweet coating.

I thought that shouldn’t be a problem since we already had a bottle of Maple Bourbon Pecan Jordan’s Skinny Syrup that is sugar-free.

This roasted almonds recipe is tasty and will cure that sweet tooth without all the sugar.

Best Places To Buy Natural Almonds

If you’re a grocery guru like we are then you know that buying coated almonds, smoked almonds or roasted nuts in any form can be very pricey.

We opt to buy the natural almonds from Costco at $15.99 for almost 3lbs. From there we take the raw almond nuts

In October we go to the Bulk Barn where we buy raw almonds to use in our Scary Witch Fingers recipe which is nicely roasted by the time the cookies are done cooling from the oven.

The Bulk Barn has sales on almonds on occasion and if you can pair that with their $3.00 off coupon then you can score a great deal.

If you’re lucky to live in a city with an outdoor market you may want to have a look around to see if there are any bulk nut sellers.

How To Store Almonds

We store our natural almonds in the freezer until we are ready to use them.

After we’ve roasted our almonds we let them cool and put them in an air-tight container and leave them on the counter or in a dry space.

They never last long enough to go off so we don’t worry too much about that.

You will want to eat them in a reasonable amount of time though so they don’t go rancid and taste very bitter.

Related: How to select and store almonds

How To Make Keto Maple Bourbon Pecan Roasted Almonds

keto maple-bourbon-pecan roasted almonds fb-png-2

Roasting almonds is an art and by that I mean if you walk away you’re going to burn them.

You have to be on high alert when you are roasting nuts.

For this keto recipe, we used a few ingredients but did not dry roast the almonds.

If you have almond or walnut oil in the house add a tablespoon to 3 cups of natural almonds and coat them. Add a sprinkle of salt.

Once the roasted almonds are almost done we pull them from the oven and this is where the magic happens.

At this point, we add a tablespoon of butter and 1/4 cup of the Maple Bourbon Pecan Jordan’s Skinny Syrup.

We finish up the roasting process for a further 7-10 minutes.

This will be different for everyone depending on your oven so you must watch your nuts when roasting.

Where To Buy Sugar-Free Syrups

If you’re not a fan of the Maple Bourbon Pecan the product line is extensive for Jordan’s skinny syrups provided you can find them.

We used to find the syrups including the Torani line at Home Outfitters if you still have one in your area.

Now we can find them at Home Sense, Winners and Marshalls or you can buy them for $17.99 on  Amazon Canada.

A little goes a long way with the skinny syrups and besides you can use them for more than just nuts!

The main reason we bought the sugar-free syrup was to flavour my wife’s keto bullet-proof coffee but now use it to bake as well.

Once the nuts are roasted and your house smells like almonds have them cool on the stove-top or counter until they are cold unless you like hot roasted nuts.

As they cool the crunch will increase.

Maple Bourbon Pecan Candied Roasted Almonds (Low-Carb) (Sugar-Free)
 
Author:
Recipe type: Low-Carb Snack
Serves: 20
Ingredients
  • ¼ cup of Maple Bourbon Pecan Skinny Syrup (or another flavour)
  • 1 tablespoon unsalted butter
  • 1 teaspoon of salt
  • 3 cups of natural almonds
  • 1 tablespoon of walnut oil or almond oil
Instructions
  1. Pre-heat your oven to 220 degrees
  2. In a baking pan add your nuts and coat them well with the oil and salt
  3. Roast in the heated oven on low for 20 minutes remove and add the butter and syrup and stir it around.
  4. Place back in the oven for another 10 minutes or until completely roasted. Every oven is different. You can taste test them along the way. If the hot almond is crunchy but soft they are likely done. You can also tell by the colour of the almond becoming a golden colour.
  5. Let rest until completely cool or enjoy them hot.
  6. Add to salads, chop and add to ice-cream, desserts or eat them as a snack.

Roasted almonds whether you like them sweet, salted or smoked are the perfect snack any time of day.

When I’m at work and my stomach starts to growl I stop and have a quick handful of roasted nuts and a coffee and I’m good to go until lunch or dinner.

Discussion Question:

How do you enjoy your almonds?

Per 1/20 Recipe: Approx 12 almonds, 105 Calories; 9.3g Fat; 3.45g Protein; 8g Carbohydrates; 8g Net Carbs

Nutrition Value for Jordan’s Skinny Syrups

Enjoy.

Mr.CBB

Please share this recipe with your friends if you think they might like it and please leave a review and tell me what you think.

You can also pin the recipe on Pinterest and share on just about every social media outlet. Big Thanks.

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The post Keto Maple Bourbon Pecan Roasted Almonds appeared first on Canadian Budget Binder.

Top 5 Christmas Cookies For The Budget Baker : The Grocery Game Challenge 2016 #4 Nov 29-Dec 4

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top 5 christmas cookies for the budget baker

Christmas Cookies Without The High Costs Start Now In Your Kitchen.

 

This time of year budget bakers are on the hunt for Christmas baking ideas that won’t cost them a fortune. Just because you have a tight budget doesn’t mean you can’t enjoy home-baked Christmas cookies.

You don’t need to be a baker to make simple Christmas cookies that you can bring to a holiday cookie-exchange or to wrap up as gifts for friends and family. I’m betting if we did a count of hands here that most of us would love to receive homemade Christmas cookies over a boring gift that doesn’t suit them. Everyone loves Christmas cookies!

Related: Holiday Baking On A Budget

Some of the best Christmas cookies that I’ve ever had before came from our family kitchen and those of our relatives. I must admit my wife’s family is quite amazing when it comes to baking and the holidays. There is never a holiday that we don’t show up at the in-laws house without our Christmas cookies.

My mother-in-law has a huge spread on the dining room table and her side table full of Christmas cookies, Christmas cakes, Panetone, Chocolates of all descriptions. Turtles comes to mind. There are also plates of mixed nuts, raisins and other goodies that we all snack on for about a week.

Yes, we gain the Holiday pounds but it’s worth it. We just work it off later.

 

Holiday Baking Planning

 

Each year we make a batch of the following budget baking Christmas cookies. Some of the most expensive ingredients when it comes to baking includes nuts, butter, chocolate and cherries. The key to keeping costs low when you are baking Christmas cookies is to budget for them in advance.

Related: Top 5 Christmas Baking Ingredients To Stock Up On Now

When you plan your Christmas cookies ahead of time you can stock up on ingredients when the prices are discounted. A pound of butter at Food Basics is $2.88 and nuts and cherries you can get at the Bulk Barn using their $3 off coupon. Peanut butter goes on sale throughout the year as does coconut so stock up!

There are many other recipes for Christmas cookies on my blog some of which were created by Nicola our CBB in-house mum baker. Today, I don’t want to talk about our Christmas cookies though. I wanted to ask the fans what they thought were some of the best Christmas cookies to make that were budget-friendly and so I went on the hunt.

There were 4 things I was looking for in each recipe for Christmas cookies:

  • Baking Tools
  • Ease of recipe
  • Costs
  • Presentation

Obviously what I could not do is taste these recipes however some of my fans have and have given them the thumbs up. Once you have a few recipes for Christmas cookies under your baking belt you can use them every year or try to find new Christmas cookies to add to the line-up.

 

Top 5 Christmas Cookies

 

raspberry-almond-shortbread-cookies-1

Raspberry Almond Shortbread Cookies from Dear Crissy

white_chocolate_peppermint_bark_sugar_cookies9

White Chocolate Dipped Peppermint Sugar Cookies from Cooking Classy

italian-biscotti-04

Italian Biscotti Dipping Cookies from The Merchant Baker

chocolate-peppermint-biscotti-cookies

Chocolate Peppermint Biscotti from Back for Seconds

ritz-crackers-chocolate-peanut-butter-cookies

Ritz Cracker with Chocolate and Peanut Butter from Meg is Well

 

Bake with Love

 

Don’t let the costs of baking hold you back from creating Christmas cookies in your kitchen. No matter what your budget is there are always ways to find cheap ingredients if you keep an eye out throughout the year.

Discussion Question:

What are some of your budget-friendly Christmas Cookies to bake?

 

November Grocery Game Challenge

 

Join in the 2016 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 where you’ll also find a link for the updated 2016 GGC schedule. Please feel free to download, save and even print the schedule so it’s handy.

New monthly prize: $10 President’s Choice Gift Card for Canadian residents only BUT If you want to play from outside of Canada and have PayPal and you win I will pay you $10 Canadian. 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 below for you so you don’t have to go looking for past GGC posts for the month. Alternatively, just click on the “Grocery Game Challenge” tab on the blog side-bar to see past posts.

November Grocery Game Posts

 

Free Money Saving Tools 2016

 

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 being 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 ToolsDon’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 2016

 

the ultimate grocery shopping guide cbbEverything 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 there are some amazing budget saving tips that 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 The Ultimate Grocery Shopping Guide.

 

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 this Month: $226.62
  • Total Grocery Budget with any carry-overs $194.07
  • Total Gift Cards used to date: $65
  • Total Rewards Points redeemed this week: $0
  • Total Rewards Points used to date: $0
  • PC Points Plus Earned to date: 365,000
  • Scanning Code of Practice (SCOP) to date $3.00
  • 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

 

Zehrs

  • Large container Black Peppercorns $4.99
  • 2 x 2% Sealtest Milk $4.27
  • Small Ham $6.99
  • Bananas $1.85
  • 2 x Country Harvest Bread $2.99-50% each

Total Out-Of-Pocket $25.37

Food Basics

  • 1 x Black Diamond Cheese Bars $3.97
  • 1 x Astro Yogurt Coconut $2.99

Total Out-Of-Pocket $6.98

  • Total to spend this month : $235.00-$10.15 overage from October= $224.85
  • Stockpile budget 2016 : $25.00
  • Stockpile budget used this month: $24.03
  • 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: $507.24
  • Total spent this week: $32.35
  • Total spent so far this month: $227.30
  • Total over/Under spend this shop:
  • Total over/Under spend for the month: over
  • Total left to spend for the month: -$1.75
  • 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+ Sept $238.12+ October $236.77+ November $227.30

Weekly Overview (your final thoughts)

In my mind I was thinking this was a 5 week month but that was last month for us. I thought I messed up the GGC schedule again but thankfully I did not. We’re over by a bit this month which we will make up next month as we go to the relatives the last two weeks and eat their food, lol.

Thanks again to Mary C. for putting our yearly schedule together. I always appreciate the support. 🙂 Our shop this week is small because I have Chinese food to eat and the wife has enough food for herself. As for baking we are hoping to find a sale on peanut butter soon. We didn’t think or son would fancy it as much as he does so he’s eating through our stockpile.

One more month to go GGC players! Soon, another year will be under our belts- or should I say Budgets!

Mr.CBB

 

Coupons and Coupon Apps 2016

 

Here are some great places you can find Canadian Coupons! These are your latest Checkout 51 offers which you can use to help save money. We’re finding less and less coupons in the stores these days. What are your thoughts? Are coupon apps taking over the paper coupons?

If you notice I’m missing a valuable link please message me and I’ll get it added to the savings list below.

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!!

Where can I find Canadian Coupons 2016?

Plus check out these other hidden areas online to get more coupons!!

  • Healthy Essentials Printable Coupons (Johnson and Johnson)
  • Danone Coupons Get up to $25 in coupons
  • Clorox Coupons Sign up to print coupons in the Clorox family which include Greenworks, Glad etc.
  • Kraft Canada Sign up and receive recipes and coupons by email
  • MySavings.com Printable Smart Source Coupons
  • Walmart Canada Printable Coupons
  • Proctor and Gamble PandG Sign up for printable coupons
  • Hidden Coupon Portals You Should know about – I found this over at Save a Loonie and you’ll want to sign up for notifications and check out the site so you get notified every time a hidden coupon is available from Save.ca, Brandsaver, Smart Source etc.

 

Grocery Game Challenge 2016 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.
  • 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 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 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 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 like 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 products we use at home or similar to.

-Mr.CBB

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The post Top 5 Christmas Cookies For The Budget Baker : The Grocery Game Challenge 2016 #4 Nov 29-Dec 4 appeared first on Canadian Budget Binder.

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