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Thread: January 2020 Frugal Chatter

  1. #1
    Smart Canuck lilo0003's Avatar
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    Wow, I am not sure how we all missed it. I guess we are so used to @Ciel setting us up for success.
    Happy New Year everyone. I can’t wait to see our frugal wins this year.
    This thread is currently associated with: Guess
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    Friends don't let real friends pay full price.


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    Thanks @lilo0003 for starting this thread. Happy New Year to you and your loved ones. I am hoping that I can be saving a little more so hoping to be very frugal. My freezer is full so might not be buying meat and seafood for a while. Just fresh fruit and vegetables
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    happy new year everyone

    thank lilo for starting this thread

    Last night went to son-in-law's brother's house and i gave him a bag of pickards and cherry blossom chocolate bar (boy they are so smaller than they use to be) I didn't say happy birthday or happy new year as it wasn't appropriate.I took a bottle of wine for the hosts also we stayed from 8 till 11.00.

    Last night we had five guys (free from xmas giftcard from daughter/her family)the place was packed

    On the way home got gas as it was 111.00 and I told hubby that's cheap lately,then decided to buy 10.00 in scratch tickets a few various ones spent 10.00 won 20.00 so ahead 10.00 which I will not spend on more tickets ,so that made my new year as we very rarely buy scratch tickets or gamble period (my dear older brother 72 that needs extra money now for all his health problems was a gambler ,he always told us years ago I won but younger brother and I would say how much did you spend .Well found out he never paid his taxes on his house for years.lost maybe upwards of 50-60,000 in his lifetime of gambling -sad )
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    my totals savings for the year

    refunds $15.00
    coupons $366.77
    caddle/checkout51 $238.49
    ebates 70.04
    P.C points,canadian tire ,stuff sold ,scop ,beer returns etc $1,522.94

    total $2,213.24


    Pretty happy with that ,as there is only 2 of us in this household and I now for a fact I am still living off my stockpile (health and beauty and cleaning supplies I haven't spent much this year)

    manufacturer cpns usage was down from 2018 by a few hundred (maybe cause I am buying less and cant find the really good cpns)but thanks to those in this group who sent me some this year -much appreciated

    I was up 30 dollars in caddle and checkout51 from last year
    down by a lot in the p.c ,Canadian tire etc categorie but again I am happy I made an extra 2,000
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    Happy New Year!

    The fridge needs a good cleaning today.
    I bought romaine, onions, peppers, clementines, yesterday. Will compliment a few meals I'm planning and help with using up stuff.
    I am on a spending freeze! Groceries only and only fresh stuff. We need to use up stuff.
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    December Savings total $655.15

    Coupons redeemed $234.15
    10% off Tuesday @ Sobeys $23.26
    CO51 $34.89
    Air Miles $120
    PCO - No Frills $40
    Amazon.ca - from Swagbucks $85
    SCOP (amount item scanned for) $1.67
    Domino’s Free Medium pizzas $15.98 - in Free Dominos pizzas
    Gift cards received $100 Pre-paid Master Card - received as a gift
    Found Money$0.20
    Last edited by Angela273; Wed, Jan 1st, 2020 at 11:22 AM.
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    Help me out with Swagbucks and we can both earn gift cards and PayPal money
    Pm me for a referral link if you’d like to earn a $10 bonus! when you create your Checkout 51 rebate account
    Caddle Referral Code:
    ANGELA67343 and we will both earn $1 bonus

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    2019 Savings - $6,515.33
    Babysitting - $120
    Stuff Sold - $489.45
    Garden - $465
    Coupons redeemed - $1,556.65
    10% off Tuesday @ Sobeys - $134.82
    CO51 - $101.74
    Caddle - $20.04
    Air Miles - $1,060
    PCO - No Frills - $480
    Canadian Tire gift card - VISA points - $50
    Amazon.ca - from Swagbucks $984
    SARCAN - $127.55
    SCOP (amount item scanned for) - $497.01
    Humpty’s - $30
    Domino’s Free Medium pizzas $7.99 value - $23.97
    Gift cards received - $270
    Found Money - $2.60
    Found Stuff - $2.50
    Wins - $100
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    Help me out with Swagbucks and we can both earn gift cards and PayPal money
    Pm me for a referral link if you’d like to earn a $10 bonus! when you create your Checkout 51 rebate account
    Caddle Referral Code:
    ANGELA67343 and we will both earn $1 bonus

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    I don"t track what we save each year but we do track what we earn/spend each year. Yesterday I analyzed my DH's meticulous record keeping and reviewed our spending, net worth etc. It seems that with our day to day low spending( and some splurges on holidays) we are still able to keep our expenses below our income and add to our savings so that is worth celebrating on New Years Day. It certainly helps that we only have one child to help with post secondary expenses. DD flies back from NYC today so we look forward to a few more days with her before she heads back to uni. Happy New Year to all.
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    good morning all.


    ok... i am going to spend a bit of time today and really write out some goals for the next year, 3, 6, 9 months. and do partof the twitter challange ... List your core values.

    i am also planning on taking the dogs for a walk... and jut relaxing today. maybe 30 min of daycare planning to make the next 2 days easier.



    todays frugal activity....

    ordered the chapmans coupon.
    Last edited by Giseledta; Wed, Jan 1st, 2020 at 01:49 PM.
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    to join earnably https://earnably.com/i/gigi3
    or Swagbucks
    http://www.swagbucks.com/refer/daycaremom
    offers wonderful ways to earn amazon.ca gcs... paypal and much more. message me if you want any hints.

  10. #10
    Smart Canuck lilo0003's Avatar
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    I am going to do a low spend month, so using what we have on hand. Ignoring sales and no stocking up. We had a good year for saving. Some things are down like Checkout 51 but others are up like Canadian Tire points. With the things I count we are at 4500.00 savings this year. This includes rebate apps, PCO ( always the biggest amount), air Miles, cineplex and Dominos, Swagbucks as well as the Costco rebate. I am also carrying in 170.00 in Air Miles and $200 in PCO so that will help keep groceries low. Later today I will set up the 2020 savings tracker and budget and review 2019. I have the money ready to send to our TFSA and will do that Monday when the advisor is back in the office. I just did my coupon purge, but yesterday had luck find new coupons at Metro so it was nice to have something to add.
    Friends don't let real friends pay full price.

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    Happy New Year all.

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    A happy frugal New Year to all!
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    We had a nice breakfast at the in laws this morning ( quiche and fruit etc) and are heading back for a full Turkey dinner tonight! So no cooking today or $$ spent. Good start to the new year!.

    I cleaned out the fridge this morning and put a load in washer this afternoon. I've been napping since we were up past 3 am last night so a lazy day for sure.
    Last edited by Frugalbigmama; Wed, Jan 1st, 2020 at 06:32 PM.
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    Don't forget to save your PCoffers!
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    Quote Originally Posted by lizzie bargain View Post
    I don"t track what we save each year but we do track what we earn/spend each year.
    Same! Hubby has been off work for 3 months (due to medical). He isn't EI eligible due to a job change just prior to his health condition. He quit his "new" job. Another is in the works but will take time to develop. We are celebrating not adding to our debt and living on one income. We look forward to health and new opportunities in 2020!
    "There are more important things--friendship and bravery...."
    -Hermione Granger



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