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Monday, January 4, 2016

Hi...my name is Sue




I'm just learning the ropes....thanks for being patient!
My you tube channel is here....https://www.youtube.com/watch?v=morfP-P8yeQ
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My Instagram is here https://www.instagram.com/savingyourhardearnedmoney/

Wednesday, November 4, 2015

Almost Free Dishwasher Tabs





This week at Costco 108 Finish dishwasher tabs are on for $15.99. Finish has 3 online rebates available right now at www.rbsmartsaver.ca  One of them is $15 off dishwasher tabs. The ones on sale at Costco this week qualify. So, you buy them, take your receipt and upload a picture of it(circle the purchase price and write the UPC code on the receipt first). Then you put in your mailing info and they mail you a check. You can do all three rebates. I did the $8 one for the dishwasher tabs and received my check in 10 days. They sent me $8.96 so they added taxes on top of the rebate amount! If that happens with this rebate it will have cost .99 for 108 loads of dishes! I encourage you to try this one as it's easy and doesn't require you mailing anything.
As an aside these online rebates are great because you can combine them with say a mail in one and a points deal at Shoppers if you are so inclined. :)
If you are interested in seeing deals and tips regularly follow me on Instagram, I'm savingyourhardearnedmoney

Thursday, August 20, 2015

Taking Pictures and Posting on Instagram Saves us $1377.09 in 4 months!

I post a lot on Instagram these days. It's so easy, and instantaneous. I don't have to have enough space to upload my pictures, or deal with text that's wonky. I can share deals instantly and with pictures! But, once in awhile I have more to say than can be properly featured in a quick Instagram post. This is one of those times. If you have read this blog for awhile now you know there are some sure fire ways to decrease your grocery spending.
1. Using the flyers weekly to buy on sale items
2. Knowing when items cycle down so you can always buy them at their lowest price
3. Menu planning(using the on sale items, your pantry, fridge and freezer stock)
4. Combining deals like sales, coupons, points offers and cash back apps
5. Using points to buy groceries(Air miles, Optimum, PC Plus)
6. Buying meat and produce from the discount area or when it's marked down for quick sale
This may not be an exhaustive list, but it's a start. The latest thing to add to the list is photo groceries. To become more conscious of where your grocery money goes resolve to take pictures of everything that comes into your house for one month. At the end of the month you can, if you so choose, arrange this into a nice collage.( I use picmonkey and befunky). Why would you do this you ask? Well, here's my story. 
In April of this year I decided to start posting a collage of our families grocery purchases each month. At the beginning of the year I had budgeted a lot more for groceries as I found last year I was having trouble staying on budget. We feed a family of 4 with our youngest being a 15 year old boy, my husband has Celiac disease and my daughter avoids gluten and milk products. The first 3 months I was pretty much on budget. April I decided to really keep an eye on things and be more creative with sale items. Since then our grocery spending has been pretty much half of our allotted budget! The accountability of posting so everyone can see has been a bonus for me! Because of the excess we were able to buy a new to us hot tub!(ours was on it's last legs). See my Instagram for that whole story if you are interested. 
So, what easy steps can you take? Maybe just starting by keeping a running tally of your grocery spending? I keep all the months receipts in an envelope marked August. On the front I tally up the spending weekly as I shop. At the end of the month I add up each stores receipts to see how much I spend at each store. 
Maybe a second step the following month could be to start getting in the habit of taking pictures of your purchases. I try to make sure our kitchen table is cleaned off before I shop so that upon arriving home I just place the items there quickly and take my pictures. I usually separate by store, but this is totally not necessary. 
The third month you could make your collage. It's quick,easy and free with Picmonkey or Befunky. 
Finally, if you are brave, you could share on Instagram, your blog or wherever. I'd love to see! :)
In the end by being more conscious you will find you'll spend less. You'll also have a neat way to go back and track when items cycle throughout  the year. I just make a separate folder for each month's grocery pics on my computer and then toss them all into This Year's Groceries folder at the end of the year. 
From April to July end we have shaved $1377.09 off our spending!
What do you think? Could this work for you?
Instagram @savingyourhardearnedmoney

Monday, June 1, 2015

Grocery Spending for May 2015

Happy June all! Well, it's that time again. Time for a monthly report on grocery spending in our house. The grand tally came to $363.64. All those groceries are pictured above.(you can click on the pictures to make them larger) As you can see there are a lot of cleaning products and bbq sauce. Combining coupons and money saving apps these were all money makers. So, that means some of my grocery spending this month has been covered by this! In case you are interested here's a breakdown by store spending.
Walmart made $128.44 profit
Rona made $54.15 profit
Independent $26.40
Quality Greens $7.96
IGA $4.34
Cooper's $16.60
Costco $110.83
Save On $73.75
Safeway $36.60(got 162 AM which will equal $17.05 cash)
Superstore $114.16
Shoppers $155.59(cashed in $100 worth of points and made 97885 points this month, which will be worth $206.07 in groceries)
 June's spending will probably be higher as we have another adult, gluten free, dairy free eater living with us from now on. Being accountable by having to post this is quite motivating so I hope I can keep the costs down.As you can see I have some cashable points stocked up which I could use at Safeway or Shoppers to stretch my budget further. Want to see what's on sale and where daily? Follow me on Instagram where I post much more regularly. @savingyourhardearnedmoney