Personal Finance

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• How to Get Married Without Going Broke

  Wedding on a Budget.

  

  Did you know that the average wedding in 2012 cost $30,000? You read that right – thirty thousand dollars. I got married almost 5 years ago for a grand total of $5,000 (including a 1-week vacation to Cuba). This is not as good as my friend Kerry’s $239 wedding, but I still think we did pretty well, considering what the average wedding cost.

  One thing my husband and I decided before the wedding was that we would pay cash for everything. We would not go into debt to get married. We paid for the wedding (and honeymoon!) by ourselves and and did not go a single cent into debt to get married – which we are so proud of ourselves for.

  If you’re looking for ways to save money on your upcoming wedding, please, let me teach you how to get married without going broke.

  The Date

  • Don’t get married on a Saturday. It’s the most expensive day of the week.
  • Get married during the off-season (November – April is cheapest).

  The Invites

  • Make your own invitations. Instead of including an RSVP card, ask guests to RSVP by phone or email.
  • Don’t invite every single person you know. Cut your guest list back as much as possible – only invite those that are closest to you.

  The Location

  • Have a backyard wedding. It’s cheaper, less formal, and more familiar.
  • Have the ceremony and reception at the same place to save money (and time) on travelling.

  The Dress

  

  • Buy used. Most dresses have only been worn once and with some dry-cleaning and alterations (if necessary), you can save a bundle.
  • Rent your wedding dress. It’s not like you’re going to wear it again, anyway.
  • Shop sample sales for a wedding dress. These dresses are only used in the stores as samples and will cost much less than brand new.

  The Decor

  • Shop Ebay, Craigslist, Kijiji, consignment shops and yard sales. Buy used wedding decor whenever possible.
  • Borrow decor items from your friends and family.
  • Use something other than flowers in centerpieces. Flowers are expensive.
  • If you must buy flowers, make sure to only buy flowers that are in season.

  The Food

  

  • Have a buffet dinner instead of serving multiple courses by the plate.
  • Have your ceremony in the morning and serve lunch afterwards, instead of dinner.
  • Have cupcakes instead of a wedding cake. They are cheaper to have made (make them yourself to save even more money).
  • Skip the champagne toast. Rarely does anyone drink the champagne.
  • Buy your own booze (if your venue allows it, or you are having a backyard wedding). Return the bottles to get cash back.

  The Photographer

  • Hire a student photographer that has a good portfolio. Check references.
  • Book your photographer early. Many offer discounts for booking in advance.

  The Entertainment

  • Hire a DJ instead of a band. They are much cheaper. Plus, you only have to feed one person, as opposed to a group.
  • If you must hire a band, hire students. Oftentimes, they are very talented and will cost you much less than an established group.

  
  Please don’t spend $30,000 on a wedding. You don’t have to. There are a ton of ways that you can get married without spending copious amounts of money – and you can have an enjoyable, memorable (in a good way!) wedding to talk about for years.

  Please share your money saving tips for weddings in the comments!

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• Price Matching for Beginners

  Beginner Price Matching.

  

  I have only been price matching for a year, and I still cannot believe how simple it is and how much money I save through this process.

  When I talk about how great price matching is, I often get a glazed look or a polite dismissal.

  Here are the main concerns I hear:

  • It sounds too complicated (it’s not)
  • I don’t have the time (it can actually save you time)
  • It won’t make a big difference in my bill (it will)

  
  Price matching allows you to reduce your grocery bill by buying the best deals from several stores in just one stop – and it’s easy. I swear. Ready?

  Here are 5 simple steps to begin price matching.

  Step 1

  Decide to try price matching just one time.

  Step 2

  Check out the list of Canadian stores that price match and pick your favourite price matching store. Note: Some stores like FreshCo only let you price match a limited amount of the same items.

  Step 3

  Gather three (only 3) grocery flyers that offer great deals. My personal favourites are Food Basics, No Frills, FreshCo, and Walmart. Scoop up whichever flyers are best in your region.

  

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  Step 4

  Select four (or less) great deals from each flyer. Circle these items so the cashier can spot them quickly. Best deals are usually featured on the front page or the back pages. When you make your regular grocery shopping list, note which stores have your sale items.

  Example shopping list:

  • Milk
  • Eggs
  • Cheese (Black Diamond 500g – Food Basics $3.88)
  • Bread (Country Harvest – FreshCo $1.97)
  • Apples (Royal Gala – No Frills $0.88/lb)
  • Jam

  
  If you are not too sure what are “great prices”, let us do the work for you. Every Thursday, we share our coupon match-ups – which are the best deals from each flyer. It couldn’t be easier!

  Step 5

  Off to the store! Place reusable bags in your cart. Hang 1 flyer over each bag. As you shop, put the sale items in the bag with the proper flyer. This makes for an easy checkout. Pass the whole bag to the cashier, and she will enter the price matched prices. Any items that are not being price matched can be put loosely in your cart.

  

  And that’s it! Even without using coupons you can save a significant amount of money by price matching.

  Here are the 4 deals I chose from the 3 flyers above (to price match at Real Canadian Superstore):

  Food Basics Flyer
  Black Diamond Cheese (500 g) $3.88 x 5 bars = $10
  Seedless Grapes $0.88 cents/lb = $2
  Cauliflower $1.97 = $1
  Broccoli $0.99 x 2 = $2

  Freshco Flyer
  Tostitos $1.77 x 3 = $6
  Chapman’s Premium Ice Cream $1.97 x 4 = $8
  Jane’s Frozen Chicken Strips $4.97 x 3 = $15
  Strawberries $1.44 x 3 = $4.50

  No Frills Flyer
  Ragu Spaghetti Sauce $0.99 x 5 = $5
  Astro Yogurt 12 cups $2.97 x 2 = $6
  Royal Gala apples $0.97/lb = $3
  Cantalopes $1.27 x 2 = $2.50

  By purchasing items we needed, using 3 flyers, with 4 items per flyer, I saved almost $45 – and that is without using coupons!

  Trust me, once you try just price matching alone, the thrill of the deal will make you want to keep going. You will feel badly for those around you paying full price.

  Time Spent vs Money Saved

  • Listing price matching items on your grocery list = 10 minutes
  • Circling sale items in flyers = 5 minutes
  • Putting items in right bags in your cart = 0 minutes
  • Giving bags to cashier to enter different prices = 5 minutes

  
  Where else can you save $45 with 20 minutes of work? Even if you saved $20 each trip with price matching, wouldn’t that be worth it?

  The first time you do this, you might spend a bit of extra time, but you will quickly become more efficient and it will take no time at all to price match groceries.

  An added benefit

  Finding coupons for fresh items is tricky, but you can price match each store’s best deal on produce. I regularly save between 25-50% on my produce this way.

  So, price matching rookies – willing to give it a try this week? We’d love to hear from you!

  Price matching professionals – what are your best tips for beginners?

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• How Do I Save Money When My Partner Doesn’t Want To?

  Partner Doesn’t Want to Save Money.

  

  Did you know that the number one reason for divorce is money troubles? That’s what my friend Gail says, and my research tells me that she’s right.

  Getting your partner on board with your finances is not always the easiest thing to do, but it is absolutely necessary if you want to have a long, happy marriage.

  If you’re finding it difficult to talk to your partner about money, and you feel that they are not on board with your plan to save money, it’s time to get things ironed out – and this means talking about the problem.

  Here are a few tips for getting your partner on board with saving money.

  Explain why this is important to you

  Everyone knows that it’s important to save money, but some are more apt to “live in the moment”, instead. If this is your spouse, explain to them why saving money now is important to you.

  Maybe you want to retire early, travel the world or move to a new home. Whatever the reason, make sure you communicate with your spouse why you want to save money. I’m sure you don’t want to save money just for the fact of saving money – you have a reason. Let them know what that reason is.

  Don’t nag – ever

  Nagging rarely ever works. Don’t spend any time nagging your spouse about money. This often leads to resentment and resentment is never good in any relationship. So don’t nag.

  Instead, have a talk with your spouse about money and explain your feelings about how things have been going lately. If you’re unhappy about something, tell them, but don’t nag them about it. Don’t point fingers. Explain the problem, and then work on a solution together.

  Come up with a plan together

  What are your goals in life? What are your partner’s goals? Do you want to travel? Buy expensive cars? Live in a fancy home? Start your own company? Or maybe you just want to retire comfortably, without worrying about whether or not you’ll have enough money to make it until the end of the month.

  Whatever your goals are, come up with a plan to reach those goals. Make sure that both you and your spouse are respectful to each others’ dreams and ambitions. Help each other reach their goals by getting a plan in place to make them happen.

  

  Make saving automatic

  When it comes to saving money, there are 3 types of savers. Those that save every last cent that they possibly can, those that save whatever is left over after paying bills (which is usually nothing – or not very much), and those that save a pre-determined amount of money every month.

  Go for person #3. To make saving money easy, it needs to be automatic. Once you have decided on your goals, determine how much those goals will cost you and how long you have to save the money. Start putting aside money right away. The sooner you save, the sooner you reach your goals.

  Forgive mistakes

  Your spouse has likely made some money mistakes and you have likely made some, too. Instead of constantly thinking about those mistakes, forgive yourself and forgive your partner. Move on. Spend your energy on the positive things in your life.

  Once you’ve set goals and made a savings plan, you are on your way to a better financial future. Don’t dwell on mistakes that were made in the past. It’s time to move forward.

  Don’t let financial troubles destroy your relationship with your partner. Have regular talks about money, goals and all of your dreams in life.

  You can easily make those dreams a reality with lots of hard work, determination and a partner that is on board with the plan.

  Is your partner on board with saving money?

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• Cheap Maternity Clothing – How to Find it

  Cheap Maternity Clothes.

  

  Are you pregnant? If so, then cheap maternity clothing is probably something that is on your mind. Unfortunately, clothing made for pregnancy can be very costly. Stores like Thyme Maternity and Motherhood Maternity have excellent quality maternity clothing that is trendy and comfortable, but the prices are often on the high end.

  So, what’s a pregnant girl to do when it comes to saving money on maternity clothes?

  Here are a few ideas:

  Avoid maternity stores

  Instead of venturing into stores that are all about maternity wear, try regular clothing stores, such as Walmart and Old Navy. Both have a great selection of maternity clothing at a fraction of what you’d pay at a maternity store.

  When I was pregnant, I purchased maternity clothes from both stores and I loved them. They lasted my entire pregnancy and I didn’t have to spend a fortune on them!

  Shop during promotions

  I won’t lie – maternity stores are nice. They have a lot of different styles in maternity clothing that you just can’t find at a store that doesn’t specialize in this market. If you do decide to do some shopping at maternity stores, at least make sure you wait for promotions. Both Thyme Maternity and Motherhood Maternity have regular sales.

  Borrow from friends & family

  If you know someone that has recently had a baby and no longer needs their maternity clothing, ask if you can borrow it for the duration of your pregnancy. If the clothing will just be sitting, unused, most people are happy to share (you may even have some family and friends offer to just give you the clothes for free!).

  Buy used

  Shop at thrift stores, on eBay, online classifieds, yard sales – used is going to be so much cheaper than brand new. Most often, maternity clothing isn’t worn for very long, so you can almost always find used pieces at very cheap prices, and it will still be in great condition.

  Don’t wear maternity clothing

  Don’t think that just because you’re pregnant you need to go out and buy a whole new wardrobe. Save yourself a fortune on clothing by purchasing larger sizes of regular clothing instead of items that are marked “maternity”.

  You may want to invest in a few items that are actually for pregnancy (such as one nice pair of jeans and a bra), but for everyday clothing such as t-shirts, larger sized “regular” clothing is the way to go if you want to save money.

  Use a belly/pregnancy band

  Pregnancy brands are great accessories that fit over the waist of regular jeans and helps to hold them up and together when your belly grows so large that you can no longer button your jeans. I purchased mine at Walmart for around $25 and it worked very well!

  Cheap maternity clothing is not hard to find if you know where to look for it. Don’t spend a fortune if you don’t have to – and in this case, you don’t have to! Save your money for other things that you are going to need after baby is born!

  How did you save money on maternity clothing?

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• How to Spring Clean Your Finances

  Spring Cleaning Finances!

  

  
  This is a guest post by Carole of Frugal Coupon Living

  It’s finally spring – and what better time of the year to review your finances (I promise, this sounds boring, but please hear me out)!

  To give you some inspiration, I thought I would share 8 simple ways you can save money and cut back on your spending, especially if you are saving for that much needed summer vacation.

  1. Create a budget

  If you are serious about saving money, you’re going to need a budget. A budget allows you to focus on where your money will be spent – which is essential for saving money and/or paying off debts. It will also highlight where you’re overspending.

  The trick is to make sure that every penny is accounted for (this is called zero-based budgeting, and it works very well). Make sure you set aside money for social activities and anything you may need to buy in the near future, like new clothing for work.

  2. Stick to your budget

  Creating a budget is the easy part. Sticking to it is a totally different story. At first, you will need to check your budget every day to make sure you are on track. You will make mistakes in the beginning, too – that is inevitable. Just stick with it and eventually, you will get there.

  As you get used to sticking to a budget, you won’t have to check it so often – unless you want to. I warn you, though, it gets addictive!

  3. Have no-spend days

  I personally aim for no-spend day as often as possible. These are days that you don’t spend a single penny on anything. Aiming to spend no money on a given day really gets you to focus and stops you from impulse purchases, such as snacks, your morning coffee or a magazine.

  This is stuff that may seem like small, insignificant purchases, but they build up over the month and can really ad up to a lot.

  

  4. Buy in bulk

  There may be things in your budget that are expensive treats – this is okay (as long as there aren’t too many of them). Mine is premium coffee, which can be really expensive. Sometimes it will come up half price in the supermarket, so I stock up on this item so it will last me until the next sale cycle.

  5. Use coupons

  Take advantage of special offers that you can get using coupons. There’s no reason you should be paying full price for groceries when you don’t have to! Also, watch for special promotions and sales on more expensive items, such as home appliances and electronics.

  

  6. Make your own lunch

  If you eat lunch out every single day, it might only seem like a small amount each time you make a purchase, but these numbers really start to add up. By bringing in your own lunch (and snacks), it will stop you from spending money on high-priced food. This is a great way to use up leftovers from meals in the week that would often get thrown away.

  7. Drink water

  Drinking water is not only cheaper than any other beverage out there, but it’s healthier. I don’t mean buy bottle water, either – I’m suggesting you bring your own. It is well worth you buying a decent container (such as a Brita pitcher) and refilling it at the sink.

  8. Eat in, not out

  One of the romantic meals you can have is a picnic on a nice summer day. Alternatively, you could have a barbecue on the beach – or your backyard. The point is, you don’t have to visit expensive restaurants to enjoy good food.

  If the weather isn’t very nice, invite some friends over for a meal. It will cost you less than it would in a restaurant, plus your friends will likely repay the favour one day!

  

  Cutting back doesn’t have to be boring or limiting. It can actually be really fun once you get the hang of it!

  Cutting back simply forces you to think about how you spend your money and helps you to spend it on exactly what you need to, instead of getting to the end of the month and not knowing what you spent it all on.

  What’s the last thing you cut back on? Let us know in the comments!

  This is a guest post by Carole of Frugal Coupon Living, a US-based frugal living blog.

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• How to Have an Amazing [Cheap] Vacation

  Save Money on Vacations!

  

  Taking a vacation is important to our health – to de-stress, recharge and refresh. Even just a little time away is really be important to your life and is certainly worth the boost it can bring to your quality of life and of your family relationships.

  The problem for many though, is that vacations can be costly, and we simply may not feel like we have the cash to shell out for a little time away.

  Here are a few cheap vacation ideas that will hopefully inspire you to take some time off.

  Staycation

  A staycation is really just a state of mind – you don’t leave your city. It simply gives you a chance to get away from the stress in your life and be a tourist in your own city. In recent years, more and more people have opted for staycations because they are far less costly than a traditional vacation involving lots of travel.

  Be sure to get into vacation mode and really step away from the day to day routine. Plan your staycation, too – scheduling activities at local attractions such as theme parks, museums, public parks, free shows and the list can go on and on. Be sure to check on discount sites like Groupon and WagJag for deals on attractions. For families, look for discounts and freebies for kids.

  Go camping

  If you are the type that loves adventure, a camping trip is a great budget-friendly vacation option. All across Canada, there are so many great camping spots. Check out this Camp Ground Search Engine and this Learn to Camp video from Ontario Parks.

  

  Book last minute travel packages

  If a tropical destination is what you desire, you can always find plenty of reputable last minute travel packages available at a highly discounted rate. The catch is that you need to be flexible – you need to be able to leave and come back on very specific dates. You also need to be flexible as to your destination.

  For example, after quick search on Travel Last Minute, I found a 7 night, all inclusive 3 star resort in Cuba for 2 people for $970 including taxes. Yes, including meals, hotel and airfare, departing on July 10th.

  Here are a few more last minute travel sites:

  • I Travel 2000
  • Red Tag
  • Last Minute Club
  • Sell off Vacations

  Save on hotels & lodging

  The costs of a hotel room can be extremely costly. You can save on hotels by:

  1. Going for a 2 star over a 3 or 4 star hotel. Of course, don’t stay in the slums, do your due diligence and read reviews on TripAdvisor, but don’t pay for a room you’re not going to spend much time in (and if you are planning on spending lots of time in your hotel room, you may want to stick to the 3-5 star hotels).

  2. If your group is large enough, or if you are vacationing with another family, you can check out vacation rental homes and condos. This is also a more spacious option as well, equipped with kitchens (this helps you to save money on food) and laundry facilities.

  A few popular sites for home and condo rentals:

  • VRBO
  • Owner Direct
  • Air BNB

  
  3. Stay away from main attractions, but close enough that it doesn’t take you forever to get there when you want to. Often, hotels in the core attraction area will be double or triple the price of the hotels just a few kilometers away.

  4. Stay with family or friends. If you are looking to visit an area where family and friends live (and if your relationship can handle it!), try to arrange staying at their place. Perhaps offer to return the favor at another time.

  

  Book smart – be informed

  Do your research and compare. There are so many booking sites that offer discounted flights, hotels, car rentals, attraction tickets and vacation packages.

  Look around for the best prices, and if you can be flexible with the dates, you will notice a big savings. In some places, one week in August half the price of one week in July. It really depends on the location and the time of year. Generally, summer is considered peak season and is more expensive – with weekends being the highest.

  Websites such as Hotwire.ca (my favorite, always seem to get the best deals), Expedia.ca, Kayak.com and Travelocity.ca offer great deals where you can get unpublished rates on hotel rooms. These are bargain basement prices on great rooms that the hotel hasn’t sold at their standard rate. the only catch with this, is that you don’t know what hotel you are staying at until after you book.

  Save money on food

  Another big expense while away from home is usually your food costs, but it doesn’t have to cost so much to feed yourself while you’re away.

  1. Eat in your room. If you are lucky enough to have a fridge where you are staying, you can stock up on drinks and snacks at a local grocery store. Eat breakfast, such as fruit and cereal, in your room and you’ll save a bundle.

  2. Buy and bring your own snacks. Try to avoid food stands as much as possible, by packing your own snacks and drinks for the time you’ll be out.

  3. Eat lunch at restaurants instead of dinner. Since you are on vacation, you probably do want to eat out and treat yourself. If that’s the case, consider eating a late lunch out, as many restaurants offer great lunches for a lot less than the dinner price. Then, simply eat a light dinner.

  

  Watch for discounts

  Try to take advantage of whatever discounts are available to you. Wherever you’re doing, always ask about group discounts (sometimes groups only need 6 people to qualify), membership discounts (CAA), senior discounts (sometimes 55 and up get the discount), kids eat free, etc.

  As you can see, it really is possible to have an amazing vacation without spending a ton of money to do it.

  You can take time off by yourself or with your family and not have to worry about a hefty credit card bill when you get back. Now that’s something to smile about.

  Do you have any cheap vacation ideas? Please share in the comments.

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• The Canadian Penny – Will Rounding Pennies Save or Cost You Money? {An Experiment}

  Canadian Penny Rounding.

  

  When the Federal government removed the penny from circulation on February 4th of this year, it seemed like people had a lot to say about the subject.

  After talking to people and reading comments online, many seemed concerned that when their pennies were rounded up, it would add up to a lot of money over time. Others wondered if it would really work out that transactions would be rounded up half the time and down the other half to balance everything in the end.

  So for the month of March I decided to do an experiment. I wanted to see how much money I would save by paying cash for purchases that would round down and by paying debit to avoid purchases rounding up.

  • Ends in $0.01/$0.02/$0.06/$0.07 – pay with cash
  • Ends in $0.03/$0.04/$0.08/$0.09 – pay with debit

  
  I also wanted to see just how often bills would round up and down and to see if it does really balance out to a 50/50 split. So for the entire month, I tracked all of my purchases and this is what I found:

  • 43 total transactions in March
  • 6 times I paid cash so my purchase would round down
  • 15 times I paid by debit to avoid having my purchase rounded up
  • 20 transactions ended up with an exact total ending in $0.00 or $0.05
  • 2 transactions I got mixed up and paid with the wrong tender

  
  
  

  Paying cash saved me $0.10 and paying by debit saved me $0.25 so the whole penny experiment saved me a grand total of $0.35. Multiply that by 12 months and doing this for an entire year would save me an average of $4.20. Not exactly substantial savings, but savings nonetheless.

  But what was most interesting was how often my purchases round up and down:

  • 51% of my transactions ended in an exact total
  • 35% of my transactions would have rounded up
  • 14% of my transactions would have rounded down

  
  So if you only look at the transactions from this experiment, it averages out to penniesrounding up 70% of the time and rounding down only 30%. Not even close to being evenly split!

  So does everything balance out in the end? It’s hard to say since I only did this for one month, but I will be making an effort to watch the register and try to pay with the “right” tender. This experiment tells me it’s more likely that penny rounding will cost me money versus save me money and when it comes to saving money, every little bit helps. Even an extra $4.20 a year.

  What do you think about this experiment? Was it just a fluke or does everything balance out in the end?

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• How to Have a Baby Without Going Broke

  Have a Baby on a Budget.

  

  Whenever someone asks me the question “is it expensive to have children?”, I always groan. For some reason, people seem to think that it costs hundreds of thousands of dollars to raise a child from birth until age 18, and this is simply not the case at all.

  It is possible to have a baby without going broke, I promise. The key is to be resourceful, and to learn as much as possible about the things you should spend money on, and the things you shouldn’t.

  Here are a few of my tips for having a baby on a budget:

  Determine what you actually need

  Contrary to popular belief, you don’t actually need a wipes warmer for your baby. They will survive just fine without one. On the other hand, there are things that, of course, are necessary for a baby, such as a car seat, stroller, crib, a highchair or booster seat, some clothes and diapers. Everything else is extra. As a reference, here is a great article (and checklist) on newborn essentials.

  Sign up for baby freebies

  There are so many companies out there that offer free baby samples to expecting parents. Some of my favourites include Nestle, Toys R Us, Sobeys and Sears. You will often receive free diapers, wipes, coupons, baby bottles, baby spoons and even prenatal vitamins.

  Join rewards programs

  Consider signing up to rewards programs, such as Air Miles, Shoppers Optimum and Club Sobeys, so that you can earn points to use towards purchases of diapers, formula, baby wipes, baby toiletries, medicines and other baby items you may need.

  

  Buy used whenever possible

  Most of the things you are going to need for your baby can be purchased second hand. Things like clothing, toys, dressers/change tables, diaper bags, bedding, and baby monitors are all items that you can purchase used. Invest in things like the car seat and crib, since these are very important things you should not buy used.

  Watch for deals on daily deal sites

  You can sometimes find deals for baby items (clothing, toys, furniture, bedding and baby gadgets) on various different daily deal sites. I once saw Melissa & Doug toys on a daily deal site for 50% off and I snatched those up right away because that is a very good quality toy brand.

  I have also purchased brand name diapers on daily deal sites for a fraction of the retail price. Check these sites daily, because you never know when a great deal will come along.

  Use cloth diapers

  There’s no denying that using reusable diapers is going to save you a ton of cash. There are many different companies out there that sell cloth diapers and the prices range anywhere from $200-$800 for a starter set. This works out to much less than the average $0.25 per diaper that you would pay for brand name disposable diapers.

  If you really want to have a baby without going broke, save your money and opt for cloth diapering over disposables.

  

  Make your own baby food

  Preparing your own baby food at home is not only very easy, but it’s also a huge money-saver. Commercial baby food is extremely expensive and has a ton of preservatives in it that you probably don’t want to be feeding to your child anyway.

  An easy way that I used to make baby food was to simply stick whatever we are having for dinner into our Magic Bullet and puree it for our baby. Now that she is older, she still gets whatever we eat, we just chop it up into small pieces for her.

  These are only a few examples of ways that you can cut back on baby costs, which means that, yes, you can have a baby without going broke!

  What are your tips for saving on baby goods?

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