Please delete

Fellow Canadian here too.

The scanning code of practice is not honoured in some stores. For example, Home Hardware does not honour it, and Zellers did not either. Target will not honour it either. But most grocery stores do honour it. When you walk into the store, look for a white and blue sticker on the doors. Also, if the store does accept it, there should be another sticker at each cash register. I have used it many, many times. It is there for the consumer. If you cannot get satisfaction, there is a toll free # listed on the sticker, but it is better to get it resolved at the cash register, not customer service. At Walmart, you need to use customer service, but the are still pretty good about honouring it.

When you finish your contract for the phone, you might want to consider using Presidents Choice long distance. it is $.04 a minute and very often there are times if you pruchase a $20.00 card, you get another $5.00 worth of minutes free.

http://www.pcmobile.ca/prepaid_long_distance_cards.jsp

Electricity is also a bummer.. I'm sure you have time of use where you live, so try to use electricity only during the evenings from 7pm to 7 am and on weekends. Every weekend, I cook a lot of meals to heat up in the microwave . Foods such as homemade soup, stews, casseeroles, chili are all better prepared a few days earlier. Use your freezer for meals like this if you don't have room in the fridge, and you will not miss going out for meals. The quickness and convinience is great.
Also, try not to use your dryer, maybe only using it to fluff your clothes for 2 or 3 minutes to remove wrinkles, and then line dry. If you don't have a clothes line, perhaps you could use a line from a friend, or hang the clothes on hangers in the bathroom or an unused room of your apartment.

Avoid buying canned foods or pre packaged foods, For example, someone mentioned beans. Did you know you can buy large amounts of beans, soak them during the day, and then at 7pm, drain them, put in fresh water, put them in a crock pot and slowly cook them through the night. In the morning, shut your crock pot off (before 7 am), drain the beans, package them up in baggies, and freeze them. When your recipe calls for canned beans, just take out your frozen cooked beans and use like canned. (better for you too).
Also, you might consider getting out that old thermos and pouring your coffee into it in the morning instead of letting it sit in the coffee maker, using hydro.

Have you considered using family cloths? A lot of people prefer them to toilet paper.

Buy a box of washing soda, another box of borax, grate some bars of soap, and make your own laundry detergent. I haven't bought laundry soap in years. The internet is full of lots of ideas for everyday homemade products that are ways to save. Haybox, homemade dishwasher detergent, cough syrup, etc.

I'm not sure if you have children or not, but something like a family games night is lots of fun. Pop up some popcorn, and clear off the table. Our family looks forward to it.

The library is a great place to borrow books, DVDs Cds etc. without the cost.
 
He's actually a student. They extended his employment insurance when he lost his job so he could go to school, but the benefits have now run out. If he works before graduation he's required to pay back all the "extra" money he received. After that he's able to work, so we just have to get through until then.

We do have money we can pull from if required, but we don't want to touch retirement funds if we don't absolutely have to.

Could he do some work for cash? Walking dogs, shoveling snow, poopy scooping yards?
 

If you are in BC, you could apply for the energy saving kit through BC hydro. I've never been able to qualify, they need your annual income before taxes.
 
this may not help you but i'm going to suggest it anyways.
I retired two years ago and knew I needed to get my finances in better order. I thought I lived frugally (except for our vacations) but didn't know where I could cut back. it just seemed like I had no place I could do this, how can you cut back when your already frugal?
I sat down and created a binder to list EVERY cent we spent. I wasn't sure I could be dedicated enough but I really wanted to be able to stay retired.
I was shocked at what we were spending and I didn't realize. I had never thought about the dollar or two you put in the parking meters or the cost of the coke I drank while I was out and about.
long story short, I have dh trained now to put ANY receipts in my marked jar and I record everything in my binder. any expense that goes out, goes in my book. by doing this my groceries have decreased by a third, my hydro and water has come down, my miscelanious spending has been cut in half. remarkable reductions and its all because I write it down daily.
this isn't a new concept, gail vanox has suggested it for years, but its one I had never used as I saw it as useless for me. wrong wrong wrong.
just a suggestion but maybe give it a try. you may be surprised to.
good luck and best wishes.
 
this may not help you but i'm going to suggest it anyways.
I retired two years ago and knew I needed to get my finances in better order. I thought I lived frugally (except for our vacations) but didn't know where I could cut back. it just seemed like I had no place I could do this, how can you cut back when your already frugal?
I sat down and created a binder to list EVERY cent we spent. I wasn't sure I could be dedicated enough but I really wanted to be able to stay retired.
I was shocked at what we were spending and I didn't realize. I had never thought about the dollar or two you put in the parking meters or the cost of the coke I drank while I was out and about.
long story short, I have dh trained now to put ANY receipts in my marked jar and I record everything in my binder. any expense that goes out, goes in my book. by doing this my groceries have decreased by a third, my hydro and water has come down, my miscelanious spending has been cut in half. remarkable reductions and its all because I write it down daily.
this isn't a new concept, gail vanox has suggested it for years, but its one I had never used as I saw it as useless for me. wrong wrong wrong.
just a suggestion but maybe give it a try. you may be surprised to.
good luck and best wishes.

This is a good suggestion for me and I am going to try it. I think I approach our every day life with an attitude of saving and mindful of cost. However, we are a very busy family, and I know simply because of all the rushing around that there are definitely things that get overlooked, or there is money we don't need to spend but do because of lack of planning.
I think seeing it laid out right in front of me I will get a really good idea of where I can shave the budget. Every penny I don't need to spend can be diverted somewhere else like vacation or savings, and that is far preferable to me.
 
This is a good suggestion for me and I am going to try it. I think I approach our every day life with an attitude of saving and mindful of cost. However, we are a very busy family, and I know simply because of all the rushing around that there are definitely things that get overlooked, or there is money we don't need to spend but do because of lack of planning.
I think seeing it laid out right in front of me I will get a really good idea of where I can shave the budget. Every penny I don't need to spend can be diverted somewhere else like vacation or savings, and that is far preferable to me.

it made me VERY mindful. as i mentioned above, just the cost of parking added up so when i saw how much the dollar here dollar there added up to i found ways to park a few blocks away and take a quick stroll and not pay those fees. money in my pocket. and thats just one example of what i was able to do with the binder system.
its, for sure, seeing it in numbers and having to think about it that helped me. you have to be very strict in doing it but it pays off big time. ::yes::
i'm sure you will be as surprised as i was. good luck.
 
Gas per barrel and at the pump is the lowest its been in three years. Its volatile right now - it will go up - but currently gas shouldn't be hitting a budget too hard unless your driving is unusual
 
In our city it's really hard to do things like that because it has to be someone you know... it's not a really big 'talk to your neighbor' kind of place.

It's also really not worth the risk of getting caught. A while back someone found out how little we pay for rent and tried to get us thrown out (I won't get into specifics) so they could "steal" the apartment. I trust no one now ;)

I realize this thread is old but I followed it originally and was interested in your situation, OP. I'm still curious about this post though. Getting caught at doing what? Please come back and update us. A few months have passed and maybe things have turned around for you?
 
I am also curious on how things are going?

When I posted, I was in a hurry, and now looking back I should have added several things.

Meal Planning + AD shopping + Seasonal items + 2 for 1 meals = Savings

I do this all the time. Check out what your local store have on special, plus look at seasonal fruits and veggies, then start the meal planning. I want to give a example... sorry if this gets a bit long.

So right now my local store is having Italian Days, stuff like sauce in a jar, canned tomatoes, pasta, parm. cheese are on sale, but as well in the deli lunch meat in on sale ( the harder deli meat, salami, and smoked bologna, etc.), and well as cheese ( block and shredded) to match with the theme, in the dairy section ricotta, is on sale, in the freezer section bags of ravioli, tortellini, meatballs, garlic bread are all on sale. See what items you can make meals out of but also check you coupons for added saving, my local store has canned tomatoes ( name brand) 10 for 10.00 which is a dollar a can, but I had a coupon for .40 cent off when you buy 2 cans, I had 5 coupons, which was 2 dollars off which brought them down 8.00 or .80 cent a can. my local store doubles up to .50 cent so I got another 2.00 off which brings it down to 6.00 or .60 a can which is a great value, I will use some this week and have some to stock in my pantry. I know that not all store offer this perk.

So I made a large pot of red sauce with meat. I froze half of it for a later time.
We had spaghetti the 1st night, I cook a whole box of pasta. After dinner I mixed the leftover sauce and pasta together, and will use later in the week to make bake spaghetti, by adding some cheese to the mix and covering the top with cheese, we love cheese... just saying.

Another night, I made chicken, broccoli w/pasta & cream sauce, with a salad.. I had enough for lunch the next day.

I added some deli meat to the salad from the day before, to make a chef salad, and added garlic bread to go along.

You get the idea..

By planning you can save money, and stock your pantry, as you go. Which saves money for later on when you might be short for grocery budget, as another expense has come up.

Another tip is that the holiday are coming so see now what you have and start picking up a few item all along so that when they holiday arrive you are stocked and prepared for the season.
 
Have you considered using family cloths? A lot of people prefer them to toilet paper.

Is this for real? Perhaps I'm not fully understanding what "family cloths" are, but it sounds very unsanitary and just downright gross to me...
 
Basically the same as cloth diapering. I am just reading about it, but just had to respond!
 












Receive up to $1,000 in Onboard Credit and a Gift Basket!
That’s right — when you book your Disney Cruise with Dreams Unlimited Travel, you’ll receive incredible shipboard credits to spend during your vacation!
CLICK HERE






DIS Facebook DIS youtube DIS Instagram DIS Pinterest DIS Tiktok DIS Twitter DIS Bluesky

Back
Top Bottom