Food

Grow Your Garden and Your Savings With These DIY Gardening Tips

Grow Your Garden and Your Savings With These DIY Gardening Tips

One of my first and best childhood memories took place in my parent’s garden.

I was chewing on green onions and pulling up radishes, trying to convince the girl next door that this was a good idea.

Today, I consider myself lucky that my parents kept up their gardening hobby. My parents pretty much fed our entire family (and then some!) with what they pulled out from the ground.

Gardening is hard work, but it’s also highly rewarding. And it’s not all toiling in the sun – it can be a very meditative and social experience if you so choose.

It can also help cut down the monthly grocery bill during the summer. Keep reading » about Grow Your Garden and Your Savings With These DIY Gardening Tips

My 5 Principles for Collecting 100 Air Miles Per Visit To Sobeys

My 5 Principles for Collecting 100 Air Miles Per Visit To Sobeys

Most people have a preferred loyalty program.

Whether it’s Aeroplan, Shoppers Optimum, Canadian Tire Money…the options are endless.

But the one loyalty program I’ve had the most success with is Air Miles.

I’m a teacher by trade, and one day, I was having a staff-room conversation about credit cards and loyalty points.

Air Miles came up and a fellow teacher said, "I never use Air Miles. I have the card, but I can’t get any miles to earn anything. You don’t get enough reward miles to make a difference."

I had to smile and tell her: "In the past three years, I have collected enough Air Miles to redeem a four-day trip to New York (flights and hotel included), an electric snowblower, a raised tomato planter, several nights at hotels in my local city, and a bunch of movie tickets."

The truth is: You can earn Air Miles quickly to get great dream and cash rewards. Keep reading » about My 5 Principles for Collecting 100 Air Miles Per Visit To Sobeys

Are You Too Generous With Your Tips?

Are you too generous with your tips?

I’m a very thankful person.

So when I go out for dinner or get a haircut and receive good service, I tip.

In fact, I can’t remember a time when I was so offended by a service, I didn’t tip.

In today’s world, tipping has become standard practice in the service industry. And while there are many tools that can help eliminate the stress when trying to figure out the math, such as a tip calculator, the question remains:

How much should you tip? Keep reading » about Are You Too Generous With Your Tips?

Free Coffee Rewards: A Review of Starbucks, McDonald’s McCafe and Tim Hortons Loyalty Programs

Free Coffee Rewards: A Review of Starbucks, McDonald’s McCafe and Tim Hortons Loyalty Programs

Getting free stuff can be a high for some of us, especially when it comes to food and drink.

Because who can resist getting a tall, skinny, non-fat mocha with extra whip – all for free?

And to get the most free coffee, let’s do a comparison of the top 3 food and drinks rewards in Canada:

Three different fast food reward programs...But which gives you the most cuppa?

The Skinny on Starbucks Rewards

Keep reading » about Free Coffee Rewards: A Review of Starbucks, McDonald’s McCafe and Tim Hortons Loyalty Programs

Tasty Recipes That Won't Break The Bank

Tasty Recipes That Won't Break The Bank

Eating delicious, nutritious and filling foods don’t have to cost you a fortune...

Even if your tastes are more refined (read: picky) ‒ or you prefer to eat out ‒ it’s possible to find homemade recipes that satisfy both your hunger and wallet.

Because as long as you’re willing to do a bit of planning and cook most meals at home, then you’re bound to have money leftover to spend on a few meals out at the end of the month.

Embrace The Meal Plan

Keep reading » about Tasty Recipes That Won't Break The Bank

The End Of Bread Price-Fixing With This Home Experiment

The Bread Fix Home Experiment

Just before Christmas 2017, news broke that several grocery retailers in Canada were allegedly participating in the price-fixing of bread for the past 14 years.

14 years of artificial bread prices? Wow!

But, what exactly is price-fixing? Price-fixing is essentially consumer fraud when two or more competitors make an agreement to raise, lower, or keep the price of something constant.

In Canada, if you’re caught doing this naughty thing it can lead up to millions of dollars in fines and even result in jail time.

List of priced-fixed bread

Keep reading » about The End Of Bread Price-Fixing With This Home Experiment

How To Eat Healthy On A Budget

How to eat healthy on a budget

If you’ve seen all the tricks and the listicles about saving money on groceries, but none of them ever really hit home? Yeah, same here.

You can read all the frugal articles about how oatmeal, bought in bulk, costs pennies per meal, and all the recipes for rice and beans that you want, but they might not be the right way to eat healthy on a budget for you.

And that’s OK.

Everyone has different food preferences, dietary needs and schedules, so what works for someone else might not work for you. That said, it is possible to eat healthily on a budget if you follow a few key steps ‒ and yes, some of them involve a bit of legwork.

It’ll be worth it when you scale down on what is the second-largest budget category for most of us.

Step One: Figure Out What Healthy Is For You

Keep reading » about How To Eat Healthy On A Budget

Eating Out At Restaurants: The Ultimate Guide To Spending Less

Eating out at restaurants: The ultimate guide to spending lessEating out is great isn’t it?

No cooking, no cleaning, no groceries, and no hassle -- what’s not to love?

There’s just one problem: eating out is expensive. Ok, two problems. Restaurant meals often aren’t as healthy as a home cooked meal either, but they sure taste good!

Fortunately, there are a lot of ways to make the bill that comes at the end of your meal a lot more palatable so you can eat out more often without feeling nearly as guilty, or just pocket the extra dough for something else you enjoy.

Want to save money when eating out? Grab this PDF download with 34 strategies – including a 1-page worksheet to list your top 5.

Here’s how you do it:

Related: Do You Splurge?

Combine As Many Discounts As You Can

Keep reading » about Eating Out At Restaurants: The Ultimate Guide To Spending Less

How Much Is Reasonable to Spend on Alcohol Every Month?

How much is reasonable to spend on alcohol every month?

With all of the articles you see about the fact that millennials are spending more on coffee than they’re saving for retirement…

I’ve been waiting for the follow up article:

Millennials are likely spending more on alcohol than they’re saving for retirement, too.

And I’ve been waiting for that article precisely because, even as a person who enjoys the occasional (or, if we’re being honest, not-so-occasional) latte, my monthly craft-beer-and-wine budget often tops my coffee budget.

And based on what I hear anecdotally from friends? I’m not alone on this.

So if beverages are ruining millennial’s retirement, and if we’ve already talked lattes to death…

Let’s switch gears for a second and ask a different question.

Less “Will a $5 latte sink my retirement?”, and more:

“Am I spending too much on beer, wine and alcoholic drinks? And uh… how do I know if I’ve hit that point?”

The answer will likely be highly personal. Because alcohol itself is highly personal.

From your favourite type of wine, to the reasons you don’t indulge.

But here’s a look at why we’re spending so much on alcohol, and how to get a handle on your booze budget.

How did alcohol become such a big budget line item?

Keep reading » about How Much Is Reasonable to Spend on Alcohol Every Month?

Pointers On Building Your Stockpile

Pointers on how to build your own stockpileThere’s many sizes of products in any brand lineup…

And it’s not surprising that it can get confusing sometimes as to when they should purchase short term or long term supply of many items.

I know I get confused. And so do other stockpilers.

I’m more at ease when I’m ahead by a month’s supply in many non-perishable items. But sometimes the savings are greater when we don’t supersize everything.

That being said, good stockpiles are built over a longer period of time, through strategic shopping using couponing techniques, loss leader shopping, clearance sales, etc.

If you’re purchasing items for your stockpile at full price, it defeats the purpose.

To get started, first things first...

How to Unit Price

Keep reading » about Pointers On Building Your Stockpile

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