Wednesday, November 26, 2014

How to Save 70% on your Grocery Bill


 

Groceries are probably the biggest variable expense for most of us, and it is also the one area where we can drastically cut cost without really affecting our lives.

I love that Extreme Coupon show but it seems so time consuming, and unrealistic you can rarely double your coupons in Canada except at I believe London Drugs, and the only time I find coupons of significant value are on food products like cereal boxes.

So how do I save approximately 70% a week on groceries?

By buying everything on sale. That's it. I go through the flyers every week find the best deals for products our family actually uses and stock up. Instead of going from grocery store to grocery store (and wasting gas) I make a detailed list of the price and store, and circle the items on the flyers with magic marker and take them to Walmart and price match them. It takes a little longer at the checkout, made a little more stressful by an impatient one and three year old - but the savings are always worth it.

Price Matching Tips
  • Check the fine print in the flyer - the brand and size have to be the same in order to price match, and different stores carry different sizes of the same item.
  • Some stores will include higher volume items ie. 120 pack of diapers for a low price because the biggest size they get in is 80, but Walmart usually carries larger items and you can get a really good deal this way.
  • Don't forget to look at drug store flyers - they usually have a few really good deals on grocery items to entice people in to their store weekly

I do shop at different grocery stores when there is a sale on meat (and sometimes produce) - I personally don't find the meat at Walmart is as high quality as the local expensive stores and I stock my freezers. Here in Ontario chicken breast regularly can be as high as $9.99/lb so I stock up when I see it for $3.99/lb or anything else.
 
 
Money Saving Mom@ Printable Stock-up ListThe secret to making this method the most effective - is to know your prices and to buy enough to get you to the next sale - which isn't too long approximately six to eight weeks between sales depending on the item - certain products like steaks and roasts seem to go on sale less often.
 
Tips to get the best deals:
 
Don't be fooled by a 'sale' price - some stores advertise sales when they are no lower priced than a local more inexpensive grocery store. It's hard when first starting out to know what a good deal is but keep track of your purchases and note when you find a better price and where.
 
I find a simple stock up list like the one I printed for free from Money Saving Mom useful to get the best deals. She offers a filled in one with prices in her area and a blank one so you can customize it and fill in your own prices.
 
 
Always check expiration dates and find the one with the longest shelf life - it's not a good deal if the product expires before your family uses it.
 
 
Know if you use coupons on top of the sale price you can save even more but remember 50 cents off a $4 product is not as good as a half off sale, so your probably better to let the coupon expire and wait for a sale.
 
Do you have any helpful tips for saving money on groceries? Or have you tried Walmarts new app - the Savings Catcher. Wish we had it in Canada but would love to know your experiences with it.

Wednesday, November 19, 2014

Ultimate Gift Buying Guide: One Year Olds


Here is my Ultimate Gift Guide for One Year Olds - you can find the rest of the list HERE. I actually have all of these, or at least a version of them. (Wow that makes my kids seem a little spoiled lucky really fortunate)

ultimate gift guide for one year olds

#1 Fisher-Price Little People Fun Sounds Farm
This farm includes a chicken, Farmer Eddie, horse, cow and sheep and makes noises.

#2 VTech Go! Go! Smart Wheels - Train Station Playset
The train talks when you press the button and has sayings every time you drive it over a 'smart point'
and all the sets are interchangeable

#3 Mega Blocks Ride On Caterpillar with Excavator
These ride on toys seem to be a big hit with one year olds. This one has realistic sounds, underseat storage and working shovel scoop.

gift ideas for one year old girls


#1 Fisher-Price Little People Disney Princess Songs Palace
Includes Cinderella and Snow White.
Each princess you place on the dance floor sings her own song from the movie and has a couple of her own phrases. You can buy sets separately which are great for small presents or stocking stuffers.

#2. Light N Sound Elsa Activity Ride-On


The pictured princess one is no longer available so you can purchase this similar Elsa one from Target for $32.99

#3 Leap Frog Shapes and Sharing Picnic Basket
14 piece picnic set, and music and sounds every time you open the basket lid. This is an inexpensive toy and is a hit with both my son and my 3 year old daughter still plays with it.




Friday, November 14, 2014

Top 2014 Toys


Here are a few of the top toys for 2014, with price comparisons at all the major box stores and Amazon. Prices are valid as of November 14th, 2014.

Fisher-Price Laugh and Learn Smart Stages Chair


For ages 12 - 36 months. Has three levels of play - Explore, Encourage & Pretend for older children.

Amazon - $28.49 (with free shipping for orders over $35)

Walmart.Com - $28.49 - Yellow or $29.97 for Pink 

Toys 'R Us - $34.99

Target.com - $28.49
Fisher-Price Little People City Skyway


3 foot tall, Little People car track. Recommended for children 1 - 5 years.

Amazon - $29.97

Walmart - $29.97

Toys R' Us - $29.99

Target - $29.99

Frozen Elsa or Anna Toddler Dolls



Recommended for ages 3+ Elsa and/or Anna Frozen Toddler Dolls with miniature Olaf.

Amazon - Get Elsa for $32.45 or get Anna for $31.81 or Get both for $42.00 + $6.49 shipping

Walmart - Anna - $29.99 (currently out of stock online)

Toys R Us - $26.99 each for Elsa or Anna

Target - $37.99 for both or $24.99 each 
 
Hot Wheels Track Builder Total Turbo Takeover Track Set  


For children ages 3 - 7. Requires 4C batteries (not included)

Amazon - $33.24

Walmart - Was $39.97 Now $33.24
 
Toys 'R Us - $34.99
 
Target - not found.

Flutterbye Deluxe Fairy - Rainbow or Tinkerbell

Fairies that really fly! And float above your palm. Rainbow has light up dress. Recommended for ages 5+ Requires 6AA batteries (not included)
Amazon - Rainbow $29.67 Tinkerbell - $29.97
Walmart - Rainbow $29.67 Tinkerbell - $29.97
Toys R' Us - Rainbow $29.99  Tinkerbell $29.99
Target - Rainbow $34.99  Tinkerbell $29.99
Zoomer Dino

Try to teach and tame this interactive dinosaur. For ages 5+.

Amazon - $96.99 with free shipping

Walmart - Was $99.97 Now $79.88

Toys 'R Us - Was $99.99 Now $79.99

Target - on sale for $79.99
 


Disclaimer: I do make a small fee if you purchase your items from Amazon, and if you do, me and my family greatly appreciate it!


Thursday, November 13, 2014

Budgeting for Christmas



I think I have mentioned before that I LOVE Christmas and everything about it -- the gift buying, the decorating, the cookies and yummy food but there is one aspect I don't like about it - the cost! And I'm sure I am not alone. But there are a few ways you can save drastically this Christmas.

Planning.


It's important to have a plan and a set budget in mind, because it can be very easy to overspend and be suffering from credit card debt in January. If you find the perfect gift for someone on your list but it's over the budget just find a deal on a gift for another person on your list so you even it out. So know your budget and stick to it!
 
Each year I buy gifts for my kids, hubbie, parents, parents-in-law and all my nieces and nephews. I try to set a budget for each and try to get the kids presents for around $25 each.

There are several free holiday resources that can help you plan and budget for Christmas including...
 
Free binder printables from Thirty Handmade Days which includes binder cover, card list, gift lists for ideas & budget, and a section for receipts and birthdays/anniversaries so you're prepared all year long.  
 
 
 
iheartorganizing also has some useful and cute Holiday planning printables including party planning list, letter to Santa,  December calendar, to do list and travel checklist.
 
Or you can get the 2014 Holiday Planning Workbook free with e-mail subscription from Living Well Spending Less
 

Well you get the idea... there's lots of options on Pinterest and I'm sure you can find some to suit your personal needs.

Shop Sales.


Once you have a plan and a  good idea of what you are going to buy each person on your list, you can look online and in the flyers for good sales!

I love getting the present I wanted for 30 or even 50% off!
 
You can take advantage of major sales like Black Friday or Cyber Monday, or look up prices at your major box stores and compare to find the best price for each product.

Keep your receipts organized in case you find a better sale price than the one you purchased before Christmas. Some stores allow you to claim a better sale price for up to 90 days.

Buy Used


Kids, especially younger kids are oblivious if you buy them second hand toys, and Fisher Price and a few other brands are very durable and clean up nice.

Just make sure that all the buttons work and they are clean and you can probably save 80 - 90% on Christmas toys! 

I have also found 'like new' name brand clothes at used clothing stores for 70 - 80% off, and if you really shop around you can sometime find designer items.

Money you can allocate elsewhere if you have a tight Christmas budget or start them a college fund ... which they won't appreciate for another seventeen years. =)

What are your favourite ways for saving during the holidays?

Monday, November 10, 2014

Ultimate Gift Buying Guide: Christmas 2016

I love Christmas - buying gifts for the kids, the overly sappy Christmas movies, the cookies, decorating the Christmas tree and the whole house, wrapping presents - pretty much everything.


But sometimes it can be stressful trying to find the perfect gift for everyone on your list so I will be adding to the "Ultimate Gift Buying Guide" over the next few weeks and hopefully it will give you some inspiration for that difficult person on your list. 





gift ideas for one year old girlsgift ideas for one year olds



two year old boy gift ideastwo year old girl gift ideas

Perfect Gift for Grandma/ Mother in Law  (a great creative and personal gift for approximately $20)
womens stocking stuffer ideas




And come back often to see more of my "Ultimate Gift Buying Guide" including the perfect gifts for tweens, men and women and the top gifts of 2016. 

And check out the rest of the Ultimate Gift Guide on Pinterest

Ultimate Gift Buying Guide: Mother In Law/ Grandma

women gift ideas


A few years ago I stumbled upon the perfect gift for my mom and my mother in law! And what's even better is that I have been able to recycle the same gift every year since.

It was photo books of the grand kids, a cute 8 by 8" hard cover book I ordered from Shutterfly for under $20! I took all the best pics of the kids throughout the year, uploaded them, picked one of their hundreds of themes and it basically put itself together. (And of course I order one for myself while I was at it)

And you can customize it as much as you like, by adding captions, cute saying, image details, backgrounds and more.


mother in law gift ideas



And you can get creative with your ideas as well. I created a "baby book" for each of my children's first years - with dates of some of their "firsts" and favourites, or you could do a year in review with highlights of your family over the course of a year, or pictures of you and your mom or grandma throughout the years:

gift ideas for mom



I also like the idea of creating a recipe book for your college student or grandkids with family favourite recipes, pictures of you baking together, or a picture of your great grandmas recipe in her handwriting.


gift ideas for grandma


Sometimes we can feel a little overwhelmed with all the presents some of us fortunate people receive at Christmas and it's nice to give and receive something that is a little more personal. And I was really happy with the quality of the book. One year I left ordering it to the last minute (with a completion date of I believe Jan. 3) and they rushed it so it would arrive in time for Christmas.

And you can  save up to 50% on photo books, calendars, holiday cards and more by clicking on Shutterfly's Special Offers Page. 

See more form the Ultimate Gift Buying Guide

gift ideas for everyone


This page does contain an affiliate link but the opinions are my own, and if you do use my link my family and I sincerely appreciate it especially around the holidays!

Thursday, November 6, 2014

Ultimate Gift Buying Guide - 6+ Months

It's difficult buying gifts for infants especially if you don't have kids yourself, and even if you do it's always nice to get gifts that are popular with most kids. So here is my gift guide for children 6 months and up...



Laugh and Learn Click'n Learn Remote - $7.19 on Amazon
All kids seem to have an obsession with the remote control and both my son and daughter loved this toy. Its small enough to throw in your purse for long shopping trips and it's not overly loud (although they control the volume)

Fisher-Price Laugh & Learn Fun with Friends Musical Table - $42.99 on Amazon
This also was a big hit with my kids and their friends although a little more so with my daughter. It has a piano, storybook, laptop and telephone, and you can remove the legs for kids who can't stand yet.

Fisher-Price Laugh and Learn Puppy's Activity Home $23.74 on Amazon
My son received this toy for his first birthday and loved it. He liked opening the roof and door to find they toys hiding inside and my 3 year old loves all the songs - that are now perpetually stuck in my head (at least their catchy)

Was their a toy that was your children's favourite?

And please come back to see more gift guides including the perfect gift for your mother-in-law/kids grandma.
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