I think this would make a fabulous gift for any kids you need to buy for this year! Kids love to get their very own mail!
Encourage your children to read more with a one-year subscription to Owlkids Magazines.
$29 for a 1-Year Subscription to Chirp Magazine (Ages 3-6) (a $59.33 Value)
$29 for a 1-Year Subscription to Chickadee Magazine (Ages 6-9) (a $59.33 Value)
$29 for a 1-Year Subscription to OWL Magazine (Ages 9-13) (a $59.33 Value)
Reading from a young age can inspire a kid's imagination, increase their vocabulary and make them speed readers in time for the next Olympics. Educate and entertain with today's WagJags.
Made for kids who love to learn, Owlkids lineup of kid-and parent-approved magazines come packed with fun, entertaining and educational content.
Chirp, made for kids ages 3 to 6, offers pages of stories, puzzles, illustrations and colourful photographs produced by some of Canada's most talented authors and artists.
Chickadee is a fun, hands-on magazine for kids ages 6 to 9 whose thirst for knowledge and appetite for humour are insatiable. In each issue of chickadee, interactive stories, puzzles, comics, animal features, and science experiments educate and entertain readers.
For big kids, ages 9 to 13, OWL provides its readers with timely, reliable and relevant information on everything from technology, sports and the environment, to pop culture and peer relationships. OWL is packed with lively text, bold designs, and tons of fun with original comics, quirky facts, and mindboggling puzzles designed to nurture a lifelong love of reading.
Pantry Staples Meal Plan: A Week of Budget-Friendly Meals
Meal planning doesn't have to be complicated or expensive. In fact, some of the most affordable and stress-free meal plans start with ingredients you already have at home.
A pantry staples meal plan is exactly what it sounds like: building your weekly meals around common pantry items like rice, pasta, beans, canned tomatoes, oats, and other shelf-stable foods. By relying on ingredients you regularly keep on hand, you'll save money, waste less food, and make meal times much easier.
If you're trying to stretch your grocery budget or simplify your routine, here's how a pantry staples meal plan can help.
What Are Pantry Staples?
Pantry staples are basic ingredients that have a long shelf life and can be used in a variety of meals. While every household's pantry looks a little different, common pantry staples include:
Rice
Pasta
Oats
Flour
Sugar
Canned tomatoes
Canned beans
Lentils
Peanut butter
Broth or bouillon
Cooking oils
Vinegar
Herbs and spices
Canned tuna, chicken or salmon
Crackers
Baking supplies
Many people also include freezer staples such as frozen vegetables, frozen fruit, bread, and ground meat.
The goal isn't to stockpile food. Instead, it's to maintain a practical supply of ingredients that can easily become meals.
Benefits of a Pantry Staples Meal Plan
Saves Money
One of the biggest benefits of a pantry staples meal plan is that it reduces grocery spending. When you already have the foundation for meals at home, you only need to buy a few fresh ingredients each week.
Reduces Food Waste
Planning meals around ingredients you already own helps prevent forgotten food from expiring in the back of the pantry.
Makes Meal Planning Easier
Staring into the fridge at dinner time wondering what to make can be frustrating. With pantry staples available, you'll always have meal options ready.
Helps During Busy Weeks
Whether you're dealing with a hectic work schedule, sports practices, or unexpected expenses, pantry meals can help you get dinner on the table quickly without another trip to the grocery store.
How to Build a Pantry Staples Meal Plan
Start by taking inventory of what you already have.
Check your:
Pantry shelves
Refrigerator
Freezer
Make a list of ingredients that need to be used soon and ingredients you have plenty of.
Next, choose a few proteins, vegetables, and carbohydrates that can be mixed and matched throughout the week. For example:
Pantry Proteins
Beans
Lentils
Canned tuna
Peanut butter
Eggs
Pantry Carbohydrates
Rice
Pasta
Oats
Tortillas
Potatoes
Pantry Vegetables
Canned vegetables
Frozen vegetables
Canned tomatoes
Using these ingredients, you can create multiple meals with minimal grocery shopping.
I created the meal planner PDF to help busy families save money and to reduce stress around meal time. With the help of the planning pages in this kit, you will soon know exactly what you already have in your cupboards, have a list of your family's favorite meals, and know what you will be eating each day of the week.
7-Day Pantry Staples Meal Plan
Monday: Bean and Rice Bowls: Use rice, canned black beans, salsa, and any vegetables you have on hand.
Tuesday: Pasta with Tomato Sauce: Cook pasta and combine it with canned tomatoes, garlic, and Italian seasoning.
Wednesday: Lentil Soup: Simmer lentils with broth, canned tomatoes, and spices for an easy, filling meal.
Thursday: Tuna Pasta Salad: Mix canned tuna, pasta, frozen peas, and a simple homemade dressing.
Friday: Breakfast for Dinner: Make oatmeal, pancakes, eggs, or French toast using pantry ingredients.
Saturday: Pantry Chili: Combine canned beans, tomatoes, corn, and seasonings for a hearty chili.
Sunday: Leftover Night: Use remaining ingredients and leftovers to reduce waste before grocery shopping again.
Maybe your family won't really enjoy those suggestions? Good news, I've got even more pantry staple meal ideas for you! Check them out for inspiration:
Ramen Upgrade Bowls: Instant ramen enhanced with eggs, frozen vegetables, and seasonings.
Shepherd's Pie: Ground meat or lentils topped with mashed potatoes.
Pantry Pizza: Use homemade dough, tortillas, naan or English muffins with tomato sauce and cheese.
Spanish Rice and Beans: Rice, tomatoes, beans, and Mexican-inspired spices.
Meatless Pantry Meals
Lentil Tacos: Seasoned lentils in place of ground beef.
Chickpea Curry: Chickpeas simmered in coconut milk and spices.
Black Bean Soup: Black beans, broth, tomatoes, and seasonings.
Vegetable Pasta: Pasta tossed with canned or frozen vegetables.
Bean and Cheese Nachos: Tortilla chips topped with beans and cheese.
Hummus Wraps: Homemade hummus with tortillas and veggies.
Stuffed Potatoes: Baked potatoes topped with beans, salsa, or cheese.
"Nothing in the Fridge" Emergency Meals
Baked potatoes with pantry toppings
Peanut butter and jam sandwiches
Grilled cheese and tomato soup
Oatmeal with peanut butter
Rice with canned tuna
Instant noodles with frozen vegetables
Pancakes for dinner
Pasta with butter and garlic
Bean quesadillas
Scrambled eggs and toast
Chili over rice
Lentil soup
A pantry staples meal plan is one of the easiest ways to save money, reduce food waste, and simplify meal preparation. By keeping a small collection of versatile ingredients on hand, you'll always have the building blocks for affordable meals.
The next time you're making your grocery list, start with what you already have in your pantry. You may be surprised at how many meals you can create without spending much at all!
What's one pantry staple you always keep stocked because it saves dinner when you don't know what to make?
Summer is almost here! Warm weather, backyard BBQs, swimming, road trips, picnics, and spontaneous adventures are just around the corner. It's one of my favourite times of year.
But if you're anything like me, mealtime can become a bit stressful during the summer months. Cooking isn't exactly my favourite activity, and on busy days it's tempting to grab takeout. Unfortunately, that isn't very budget-friendly, and after a while it gets old.
I've found that having a little organization and preparation in place makes a huge difference. The right meal prep supplies can help you spend less time in the kitchen, waste less food, and make healthy, affordable meals much easier to pull together.
The good news? You don't need dozens of expensive gadgets to meal prep successfully. A few practical meal prep supplies can help you prepare fresh summer meals faster and enjoy more time doing the things you love.
(Note: The links in this post may be affiliate links. Read the disclosure policy here.)
Meal Prep Supplies I Love
The Meal Planner
The number one thing that helps me with mealtime is having a plan. Not a strict, every-detail-accounted-for plan, but at least a list of meal ideas for the week.
That's actually why I created The Meal Planner. It's a set of printable sheets that helps me organize meal ideas, create grocery lists, keep track of family favourites, and take inventory of what I already have on hand.
One of the easiest ways to save money on groceries is to use what you already own before buying more. Having a meal planner helps prevent duplicate purchases and reduces food waste.
If meal planning feels overwhelming, I highly recommend starting with a simple system like this.
Glass Meal Prep Containers
A good set of meal prep containers is one of the most useful meal prep supplies you can own.
They're perfect for storing leftovers, portioning lunches, prepping salads, and keeping cut fruits and vegetables ready to grab throughout the week.
I personally prefer glass containers because they don't absorb food odours and they're easy to clean. Having meals and ingredients ready to go makes busy summer evenings so much easier.
Vegetable Chopper
I'm actually quite a minimalist when it comes to kitchen gadgets. I've learned that many kitchen tools get used a few times and then sit in a drawer forever.
I debated buying one for the longest time, but now I'm glad I did. It makes quick work of potatoes, onions (no more tears!), peppers, cucumbers, and vegetables for Greek salad. It's also great for shredding cheese and speeding up meal prep on busy days.
Salad Spinner
Fresh salads are a staple in our house during the summer, and a salad spinner makes preparing them so much easier.
Washing and drying lettuce thoroughly helps it stay fresh longer, which means fewer slimy greens getting tossed in the compost. If you eat a lot of salads, this is one of those meal prep supplies that quickly pays for itself.
Produce Savers
Every time I use our produce saver container, I'm amazed by how quickly the food inside gets eaten.
Grapes that used to sit forgotten in the fridge are suddenly gone within days because I've washed them and removed them from the stems ahead of time. The same goes for strawberries, blueberries, and cut vegetables.
Produce saver containers help keep fruits and vegetables fresh longer, making healthy snacks much more convenient and reducing food waste.
They're perfect for storing chopped vegetables, marinating chicken, freezing fruit for smoothies, and packing snacks for summer outings.
Since they're reusable, they also help cut down on disposable plastic bag usage.
Air Fryer
It might be a stretch to call an air fryer a meal prep tool, but it definitely earns a place on my list.
We use ours regularly for quick meals like chicken nuggets, fries, roasted vegetables, and chicken breasts that can be sliced and added to salads, wraps, or grain bowls throughout the week.
On busy summer nights, it can be an absolute lifesaver.
Slow Cooker
Summer mornings tend to be slower around our house, which makes them the perfect time to throw something into the slow cooker.
When dinner is cooking while we're out enjoying the day, everyone wins!
Some of our favourites include BBQ chicken for sandwiches or even naan pizzas, shredded chicken tacos, roast beef dip sandwiches, soups, and more.
The slow cooker also keeps the kitchen cool while making dinner almost effortless.
Mason Jars
I use mason jars for everything from overnight oats and yogurt parfaits to cut fruit, homemade fridge pickles, and pasta salads. They're especially handy for preparing grab-and-go breakfasts and lunches during the summer when we're constantly on the move.
Mason jars are also great for storing dry pantry staples, homemade sauces & salad dressings, smoothie ingredients, and even infused water. If you're looking for meal prep supplies that offer a lot of value for the money, mason jars are hard to beat.
Final Thoughts
Having the right meal prep supplies doesn't mean filling your kitchen with gadgets you'll never use. Instead, focus on tools that genuinely save time, reduce food waste, and make healthy meals easier to prepare.
For me, that means having a meal planner, quality food storage containers, produce savers, a vegetable chopper, and a few versatile appliances like an air fryer and slow cooker.
By spending a little time preparing ahead, you'll spend less time worrying about what's for dinner and more time enjoying everything summer has to offer.
What are your favourite meal prep supplies? I'd love to hear which tools help make your summer meals easier.
The GoodLife Teen Fitness Program is back! Goodlife Fitness has offered free gym memberships for teenagers across Canada, and registration for this year's memberships is open. It's free to sign up, and the memberships are valid until September 8, 2026.
Here are some details about the program:
Free teen Membership for ages 12 â 17 only.
Membership term: July 3, 2026 â September 8, 2026.
Parent or legal guardian must enroll Teen Member and provide proof of age. Siblings may not register siblings
Membership includes access to most club areas at all locations: 7 days a week from 8am-4pm with last check-in at 3:00pm
Teens will receive their key tag once they have signed their contract in a Club. Teens will receive Access to the GoodLife Fitness App OR a Membership Key Tag once they have signed their contract. App access will open on the first day of Teen Fitness Workouts.
Maximum workout time for Teen Members is 2 hours per day.
Dress Code: Proper footwear, closed-toed shoes: We ask that Members wear appropriate exercise clothing that is comfortable, respectable, and covers all personal/private body areas. Members should also wear proper indoor athletic footwear.
Things Frugal People Never Buy (And What They Buy Instead)
Being frugal isn't about being cheap. It's about spending intentionally and getting the most value from every dollar.
People who are good with money don't necessarily spend less on everything, they simply spend differently. They look for ways to reduce waste, avoid unnecessary purchases, and invest in things that save money over time.
If you've ever wondered how frugal people seem to stretch their budgets so much further, here are some things frugal people rarely buy, and what they choose instead.
1. Bottled Water
Buying bottled water regularly can become an expensive habit.
What Frugal People Buy Instead:
Reusable water bottles and water filters.
A quality reusable bottle can last for years and eliminate the need for countless convenience-store and grocery store purchases. Our family's favourites are Owala and Simple Modern for water bottles and we use a Brita in the fridge.
2. Coffee Shop Drinks Every Morning
A daily coffee run may seem harmless, but it can easily cost hundreds or even thousands of dollars each year!
Many frugal people enjoy great coffee. They just prefer making it at home and taking it with them.
3. Restaurant Lunches During the Workweek
Eating out regularly adds up really fast.
What Frugal People Buy Instead:
Food thermoses, lunch containers.
Frugal people know that yesterday's dinner can become today's lunch for a fraction of the cost. I really like our Thermos brand food thermoses and these Sistema bento boxes (They hold a lot!).
4. Disposable Batteries
Few things are more frustrating than constantly replacing batteries.
These simple swaps reduce waste while lowering household costs.
6. Expensive Snack Foods
Packaged snacks often cost far more than people realize.
What Frugal People Buy Instead:
Popcorn makers and bulk ingredients to make their own snacks.
Homemade popcorn remains one of the most affordable snacks available. Making your own snacks like granola bars, cookies, muffins and more is a really smart (and delicious) way to make the grocery budget stretch.
7. Cheap Furniture That Falls Apart
Frugal people understand that the cheapest option isn't always the best value.
What Frugal People Buy Instead:
Quality second-hand furniture.
Many used pieces are better built than brand new budget furniture and cost a fraction of the price.
8. Full-Price Household Essentials
Paying full price for products that regularly go on sale is something many frugal people avoid.
These tools help preserve food longer, reduce waste, and make bulk buying practical. They also meal plan so they use everything they buy and only buy what they need.
10. High Heating and Cooling Bills
Heating and cooling costs can take a significant bite out of a household budget, especially during extreme weather.
Rather than cranking the heat or air conditioning at the first sign of discomfort, frugal people look for simple ways to stay comfortable while using less energy.
11. Frequent Takeout After Busy Days
Many people order takeout because cooking feels overwhelming after a long day.
These tools make homemade meals quicker and more convenient, reducing the temptation to spend on restaurant food. When they inevitably do get take-out, they'll try to get something that will give them leftovers, like pizza or Chinese food.
12. Brand-New Books
Book lovers know how quickly reading can become expensive.
What Frugal People Buy Instead:
Used books, libraries, book swaps, and digital borrowing apps.
They enjoy the same stories without paying full retail prices!
Learning a few simple skills (YouTube can be super helpful!) can prevent small problems from becoming expensive ones.
14. High Electricity Costs
Frugal people pay attention to recurring monthly expenses.
What Frugal People Buy Instead:
LED bulbs, drying racks, and energy-saving household upgrades.
Small reductions in energy use can add up significantly over time.
15. Cheap Shoes That Need Replacing Every Year
The lowest price isn't always the best deal.
What Frugal People Buy Instead:
Good-quality shoes that last.
Many frugal people follow the idea that it's often cheaper to buy one quality item than replace several cheaper ones.
16. Memberships They Never Use
Unused subscriptions quietly drain budgets every month.
What Frugal People Buy Instead:
Memberships that they actually use.
This may include warehouse clubs, gym memberships, credit cards with an annual fee (because the perks are worth it), or TV subscriptions.
The key is using them regularly enough to make them worthwhile. Our family finds having a Costco membership worthwhile. We also like to switch between a Netflix subscription and a Disney+ subscription. Never both at the same time.
17. Convenience That Costs More Than It Saves
Many people assume frugal living means avoiding convenience entirely.
That's not true.
What Frugal People Buy Instead:
Convenience that creates monetary and/or time savings.
grocery pickup or delivery services that reduce impulse buys during in-store shopping
simple home organization systems (like drawer dividers or pantry bins) that prevent overbuying and duplication
multi-purpose kitchen tools that replace several single-use gadgets
Frugal people understand that convenience can be a smart investment when it lowers overall spending.
18. Things They Can Borrow
Many items are only used once or twice a year.
What Frugal People Do Instead:
Borrow from friends, family, libraries, or community lending programs.
Why own something that spends most of its life collecting dust?
The Real Secret Behind Frugal Spending
The most frugal people aren't constantly asking, "How can I spend less?"
They're asking, "How can I get more value from the money I spend?"
That's why they often avoid purchases that create ongoing costs and choose alternatives that save money for years to come.
Frugal living isn't about sacrifice. It's about making intentional choices that help your money go further while still enjoying the things that matter most.
Are there any other things frugal people never buy that you'd add to the list? Share your best money saving swap in the comments below!
25 Creative Uses for Coffee Filters Around the House
Most people think coffee filters only belong in the coffee maker, but these inexpensive household staples are surprisingly versatile. If you're looking for frugal living hacks, you'll love these creative uses for coffee filters. Best of all, you can pick up a large package at your local dollar store for just a few dollars!
1. Cover Food in the Microwave
Use a coffee filter as a splatter guard when heating food in the microwave. It helps keep your microwave clean without the need for plastic wrap.
2. Clean Windows and Mirrors
Because coffee filters are lint-free, they're perfect for cleaning windows, mirrors, and chrome surfaces without leaving streaks behind.
3. Protect Fine China
Place a coffee filter between dishes when storing fine china to help prevent scratches and chips.
4. Remove Broken Cork from Wine
If a cork crumbles into your wine bottle, simply pour the wine through a coffee filter to catch the pieces.
5. Prevent Rust in Cast-Iron Pans
Place a coffee filter inside your cast-iron skillet before storing it. It absorbs moisture and helps prevent rust.
6. Apply Shoe Polish
A balled-up coffee filter works well for applying and buffing shoe polish.
7. Reuse Frying Oil
Strain used cooking oil through a coffee filter to remove food particles before storing it for future use.
8. Weigh Chopped Ingredients
Place chopped vegetables, fruit, or herbs in a coffee filter when weighing ingredients on a kitchen scale.
9. Hold Tacos and Other Messy Foods
Coffee filters make handy holders for tacos, sandwiches, and other foods that tend to drip or crumble.
10. Keep Soil in Plant Pots
Line the bottom of flower pots with a coffee filter to prevent soil from escaping through drainage holes.
11. Catch Popsicle Drips
Poke a hole through the center of a coffee filter and slide it onto a Popsicle stick to catch sticky drips.
12. DIY Waxing Strips
In a pinch, coffee filters can be used as an alternative to waxing strips for small areas.
13. Absorb Grease from Fried Foods
Place fried foods like bacon, French fries, or chicken fingers on coffee filters to soak up excess grease.
14. Stop Razor Nicks from Bleeding
A small piece of coffee filter can help stop minor shaving cuts from bleeding.
15. Use as Sewing Backing
Coffee filters work well as temporary backing when embroidering or appliquĂŠing delicate fabrics.
16. Freshen Shoes and Closets
Fill a coffee filter with baking soda, tie it closed, and place it in shoes or closets to help absorb odors.
17. Strain Soup Stock
Use coffee filters to strain homemade stock or bundle herbs for soups and stews.
18. Create a Spill-Free Funnel
Place a coffee filter inside a funnel when adding fluids to your vehicle to help catch debris and reduce spills.
19. Use as a Spoon Rest
Set cooking utensils on a coffee filter while preparing meals, then simply throw it away when finished.
20. Hold Baking Ingredients
Use coffee filters to hold pre-measured baking ingredients, chopped vegetables, or fruit while cooking.
21. Protect Christmas Ornaments
Wrap delicate ornaments in coffee filters before storing them away for the season.
22. Remove Nail Polish
Out of cotton balls? Coffee filters work surprisingly well for removing nail polish.
23. Sprout Seeds
Dampen a coffee filter, place seeds inside, fold it up, and seal it in a plastic bag until the seeds begin to sprout.
24. Press Flowers
Use coffee filters as blotting paper when pressing flowers. Place flowers between two filters and weigh them down with a heavy book.
25. Make Disposable Snack Bowls
Coffee filters are perfect for serving popcorn, chips, crackers, and other snacks at parties or movie nights. Or you could even use them to line these food baskets!
And of course, coffee filters still make great coffee! But as you can see, there are plenty of creative uses for coffee filters beyond your morning brew. From cleaning and organizing to gardening and cooking, this inexpensive item can be used in countless practical ways around the house while helping you save money at the same time.
The following is an article by Mr.CBB who is the voice behind Canadian Budget Binder a blog about Personal Finance, Relationships, Recipes, the famous Grocery Game Challenge and more. Join him on Facebook, x.com and Pinterest.
How to start a budget
When we first started to use a budget we really didnât want to commit to such a boring task. Like many, we were used to tracking expenses in our head and checking in on the bank account to see how much money we had left. Looking back it was probably the worst thing we did for our personal finances and I canât believe we did that.
Budgeting can be overwhelming at first but it doesnât have to be if you plan it out correctly. No matter what your situation or money mistakes are, or were, a budget is necessary. I typically equate this to a business that has a yearly budget so they know what they can and canât do with the company money. How is a company supposed to sustain themselves if they have no budget? Thatâs right; they probably would go bankrupt or close shop. Your household budget is just as important as a business.
One of the first things I did when I started to blog at Canadian Budget Binder was put together a 10 step budgeting series. Many people wanted to know how we were saving so much money. Itâs not really about how much money we were saving. It's really about how we got to the point where we were actually saving money.
The easy answer was: with a budget.
Thatâs what Iâm going to show you today. The steps we took to get from Step 1 to Step 9Â and eventually to complete debt freedom. We own our vehicles, have no consumer debt and will be paying our mortgage in full this year. All of this and still over 30 years until retirement (of course we may plan to retire early).
The magic happened just from paying attention to our personal finances and spending less than we earn. It also helped that growing up we were savers. But the bulk of our money came just in the past 10 years. Not everyone wants to lead a frugal life, but it has itâs pros and cons and for us, well worth it.
The first step with budgeting
One of the first steps I talk about in my budgeting series is simply âgathering all the informationâ. You canât sit in front of an empty budget spreadsheet with no numbers. You need to get all the numbers from your bank accounts, credit cards, lines of credits, bills, whoever you owe, how much you owe, interest rates, due dates, etc. Itâs like getting ready to bake a cake. If you donât have all the ingredients for your recipe how will your cake grow? It wonât. It will sink because all the ingredients (in this case the numbers) are not available.
What is Net and Gross Income?
Net Income in simple terms, is the amount of money that you get after all your taxes are paid. So for those that get direct deposit from your employer that is your net. If you are self employed or no taxes are taken off that is NOT your Net Income, that is your Gross Income.
You can read in more detail each step of our budget and why we did what we did. The budget spreadsheet I designed for our family changed numerous times over the course of the year. A budget will always change and so should yours. You should never just set it and forget it.
There are a myriad of free budget spreadsheets and free budget programs to track expenses on the internet if you do a Google search. If you want to have a budget binder so you can manually track your budget and expenses, then do it. As long as you know exactly what is going in and what is going out.
Some people chose to use a cash system and put it in envelopes or jars. If thatâs what it will take to motivate you to start budgeting, then do it. You will see over time how easy it becomes and you will continue to challenge yourself further each month. We no longer carry cash we use credit cards for rewards. I donât recommend this unless you are at a stage where you can pay your credit card in full every month.
9 Steps for Creating a Budget
Step 1 - Gather all the information - As mentioned above, the first step in designing a budget is to gather all the information. You will need to get all the numbers from your bank accounts, credit cards, lines of credits, bills, whoever you owe, how much you owe, interest rates, due dates, etc.
Step 2 - Categories - Every person/family is different so you need to decide what categories will suit your budget. You may need daycare while another family does not, for example.
Step 3 - Tracking Receipts - This is so important and I canât stress that enough if you want to know where you are spending your hard earned dollars. Have a plan in place so you save your receipts and input them into your tracking spreadsheet.
Step 4 - Note Taking - Always make notes so you can backtrack information. Know where the purchase was made, how you paid for it, dates, etc.
Step 5 - Organization - Keep organized and keep your workstation free from distractions.
Step 6 - Who Does What and When - If you are in a relationship, budgeting doesnât have to be a one person job. In fact my wife and I both share the budget duties as a team. If in the event something should happen to one of us, we both need to know what is happening with our personal finances. Donât put the burden on one person.
Step 7 - Balancing Our Budget - Your budget has to balance each month. If you canât balance your budget you have to do one of 2 things: Make more money or spend less than you earn.
Step 8 - Reading Our Bills - I canât tell you enough to make sure you always read your bills and receipts when you are shopping. There have been times when I found errors on my communications bill where they charged us for services we did not get. You may also notice the wrong price on your grocery bill. This could result in a scanning code of practice where you get the item free up to $10, if the store participates. Most importantly, you catch an error where you were paying more than you should have. So many people get burned by not reading.
Step 9 - Projected Expenses - This is a big category for us. We save close to $15k a year in it. What is it? In short, itâs an account where we keep money for items that we know we will have to pay for at some point during the year that our regular budget wonât be able to handle. We were always taking money from our emergency savings for these items which was wrong. A sticker for our vehicle once a year is not an emergency but should be saved all year long so the money is ready to be used when it comes due. We save $7.50 a month in a separate account for 12 months to pay for the sticker. $90/12 months. This has been the biggest stress reliever for us and one of the biggest reasons people fall off their budget. If you donât factor in the small stuff, you may not have the money to pay for it. You should budget it in and save it.
Another thing that can really help when you're overwhelmed or paralyzed by the thought of budgeting? Create a plan to stay focused! Check out this thoughtfully made BUDGET PLANNER â pages to help you achieve financial goals, track your bills and spending, discover what you did well, what you need to improve on and so much more!
I encourage you to take a deep breath if you are wanting to budget but are feeling stuck in getting started. Start living instead of existing and take back control of your personal finances. A budget is just one step in the process in working towards debt freedom, but one that may allow you the opportunity to drop that debt and get back in the game. Time to look at a budget as part of a lifestyle rather than a chore.
Mr.CBB is the voice behind Canadian Budget Binder a blog about Personal Finance, Relationships, Recipes, the famous Grocery Game Challenge and more. Join him on Facebook, x.com and Pinterest.
Looking for simple money saving tips that actually work? The good news is that saving money doesn't have to mean giving up everything you enjoy or making drastic changes to your lifestyle. In fact, some of the most effective ways to save money are also the easiest to implement.
Many people assume that building savings requires a higher income, an extreme budget, or a complete financial makeover. While those things can certainly help, the truth is that small daily habits often have the biggest impact over time. A few dollars saved here and there may not seem like much in the moment, but those savings can quickly add up over weeks, months, and years.
The best simple money saving tips are the ones that fit naturally into your everyday routine. Whether it's reducing household expenses, cutting down on grocery costs, avoiding impulse purchases, or finding creative ways to reuse items you already own, there are countless opportunities to save money without feeling deprived.
If you're trying to stretch your budget, pay off debt, build an emergency fund, or simply become more intentional with your spending, these simple money saving tips can help you keep more of your hard-earned money. The key is consistency. You don't have to do everything on this list. Start with a few ideas that work for your lifestyle and build from there.
Ready to save more and spend less? Here are some of the best simple money saving tips anyone can start using today.
Everyday Simple Money Saving Tips
Swap paper products for reusable cloths. Replace paper towels and napkins with washable alternatives to cut ongoing household costs.
Make your own cleaning supplies. Basic ingredients like vinegar, baking soda, and lemon can replace multiple store-bought cleaners.
Use your local library. Borrow books, audiobooks, movies, and even digital content for free instead of buying or subscribing.
Borrow and share with others. Trade books, tools, kitchen items, or even kidsâ toys with friends and family.
Hang dry your laundry. Air drying reduces electricity use and helps clothes last longer.
Lower your heating and cooling costs. Adjust your thermostat a few degrees when sleeping or away from home.
Reuse what you already have. Plastic grocery bags can become small garbage liners, and many storage bags can be reused safely (except those used for raw meat).
Food & Grocery Simple Money Saving Tips
Plan your meals weekly.Meal planning helps reduce impulse buys and food waste.
Make a grocery list and stick to it. This is one of the most effective simple money saving tips for avoiding overspending.
Shop clearance and discounted items first. Especially for clothing and pantry staples.
Cook at home more often. Even a few extra home-cooked meals per week can significantly reduce expenses.
Make your own baby food. If youâre already cooking vegetables, set some aside to mash or puree.
Use leftovers intentionally. Plan âleftover nightsâ to stretch meals further.
Buy in bulk when it makes sense. Staples like rice, oats, and pasta are often cheaper in larger quantities.
Compare unit pricing. Donât just look at the sticker priceâcheck the cost per gram or litre.
Budget-Friendly Lifestyle Habits
Think before you buy. Use a â24-hour ruleâ for non-essential purchases to avoid impulse spending.
Have a No Spend Challenge. Challenging yourself to a no spend day, week or even month can be a real eye opener to your spending habits.
Track your spending. Even a simple notes app can help you see where your money goes.
Cancel unused subscriptions. Streaming, apps, and memberships add up quickly.
Use cashback and rewards programs. Get a little money back on everyday purchases.
Buy secondhand when possible. Thrift stores, online marketplaces, and garage sales can offer huge savings.
Repair instead of replacing. Fix clothing, electronics, and furniture when itâs cost-effective.
Transportation & Energy Savings
Walk, bike, or carpool when you can. Reducing fuel use is one of the easiest simple money saving tips for long-term savings.
Combine errands into one trip. This saves both gas and time.
Reduce hot water usage. Shorter showers and cold water washes help lower utility bills.
Switch to energy-efficient habits. Turn off lights, unplug devices, and use power strips to reduce phantom energy use.
Final Thought
The best simple money saving tips are the ones you can actually stick with. You donât need to do everything at once. Even choosing a few habits from this list can start making a difference in your monthly budget.
Small steps. Consistent habits. Real savings.
What are your favorite ways to save money without much effort? Iâd love to hear your ideas!
Grocery Store Tricks That Make You Spend More Money
Did you know that grocery stores use a variety of sneaky tactics to encourage shoppers to spend more? While these strategies are smart from a business perspective, they're not always great for those of us trying to lower our grocery bills and stick to a budget.
Many of these grocery store tricks that make you spend more money work because they target impulse purchases. Think about your last grocery trip. How many items ended up in your cart that weren't on your shopping list? Most of us have been there!
The good news is that once you recognize these tactics, you can make more intentional shopping decisions and keep more money in your pocket. Here are seven common grocery store tricks that make you spend more money and how to avoid falling for them.
1. Buy One, Get One Free Deals
Everyone loves getting something for free.
At first glance, there's nothing wrong with a Buy One, Get One Free promotion. Especially if it's an item you already planned to purchase. The problem is when the deal convinces you to buy something that wasn't on your list.
While you're technically getting a free item, you're still spending money you may not have intended to spend in the first place. This is one of the most effective grocery store tricks that make you spend more money because it creates a sense of urgency and value that can be hard to resist.
Free samples seem harmless, but they're surprisingly effective at influencing purchasing decisions. The combination of smelling and tasting a product can make you much more likely to buy it.
Even if you don't purchase the item right away, you've now been introduced to it. The next time you see it on sale, you may be more tempted to add it to your cart.
Costco isn't the only store that offers samples, but they're certainly known for them. Enjoy the free snack, but remember that free samples are one of the classic grocery store tricks that make you spend more money.
3. Giant Shopping Carts
Shopping carts are convenient, but have you noticed how large they've become?
The bigger the cart, the emptier it feels when you only have a few items inside. Stores know this and hope you'll continue filling it with products you didn't originally plan to buy.
To avoid overspending, bring a shopping list and stick to it. If you're only picking up a handful of items, consider skipping the cart altogether and carrying a basket, or just your items.
4. Strategic Store Layouts
You walk into the store for milk and leave with bananas, chips, and a few sale items you didn't plan on buying.
Sound familiar?
There's a reason for that. Essential items like milk, eggs, and bread are often placed at the back of the store. This forces you to walk through multiple aisles, increasing the chances that you'll spot something tempting along the way.
Store layouts are carefully designed to expose shoppers to as many products as possible, making this one of the most powerful grocery store tricks that make you spend more money.
5. End Caps
End caps are the displays located at the ends of grocery store aisles.
Because these displays are highly visible, stores often use them to promote new products, seasonal items, or products with higher profit margins.
Just because an item is featured on an end cap doesn't necessarily mean it's the best deal. Always compare prices and ask yourself whether you actually need the product before adding it to your cart.
6. Clearance Bins
There's something exciting about finding a bargain.
The challenge is that clearance bins often encourage impulse purchases. You may find an item that seems like an incredible deal, only to realize later that you didn't really need it.
Before buying, compare the sale price to the regular price and consider whether the item solves a genuine need. Otherwise, you're simply spending money because something is discounted.
7. Checkout Displays
Checkout lanes are packed with candy, magazines, gum, drinks, and other small items for a reason.
As you wait in line, the store has your undivided attention. These products are strategically placed to encourage last-minute purchases that seem inexpensive on their own but quickly add up over time.
Checkout displays remain one of the most successful grocery store tricks that make you spend more money, especially when shoppers are tired or distracted after finishing their shopping trip.
Final Thoughts
Most of us have fallen victim to these grocery store tactics at one time or another. I know I certainly have! The good news is that understanding these grocery store tricks that make you spend more money can help you shop more intentionally, avoid impulse purchases, and keep your grocery budget under control.
Have you noticed any of these tricks at your local grocery store? Are there other sneaky tactics you've seen stores use to encourage shoppers to spend more?
This was such a big hit in past years, that I took the time to update it with this year's dates! Hope you enjoy đ
Are you living in the Okanagan or planning a visit there this summer? Since the Okanagan is the place Iâm lucky enough to call home, I wanted to put together a guide packed with fun and affordable things to do all summer long in the land of sunshine. My goal is to make this the ultimate frugal Okanagan summer activity guide! If you know of a great event, hidden gem, or must-visit spot, let me know and Iâd love to add it to the list.
Whether youâre planning a weekend escape or youâre lucky enough to call this region home, I hope this Okanagan Summer Activity Guide helps you make the most of every moment. From lake days to orchard visits to local markets to scenic hikes, thereâs something here for everyone to enjoy all summer long. Save this Okanagan summer activity guide for later and start ticking off your favourite experiences as you go. Summer in the Okanagan always goes by faster than we think.
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