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Stockpiling Food Can Save Canadian Families on Groceries

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Stockpiling is a vey common practice, but will it work for you the way you expect? The first tip to start saving money stockpiling on groceries is to only get those things you know you’re going to use–it makes sense, right? Within just a few months you can have a nice stockpile of necessities and groceries! There are rules to maintaining your stockpile as well–so the money you spend will pay off for the long-term. You want to make sure your food stays fresh, so it is a good idea to keep things rotated. Now you’ll read many tips and strategies on just how to shop to create a surplus, but you’ll find a variety of information here, in one convenient place! We try to give the most updated info, so if you’re ready to really start improving on saving money grocery shopping through bulk buying, we’ve got the answers you’re looking for. Let’s get right to it!

Save Money Annually When You Stockpile on Groceries

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Don’t forget, to properly get started, begin with a list of all the more common items you use on a daily basis. This saves time, money, and frees you from clutter too! These below pointers just might be very beneficial to those newbies beginning a plan like this!

  • Don’t forget you should rotate your oldest foods to the front so that those get eaten first.  This. will ensure all food gets eaten and money isn’t wasted.
  • Once you have a stockpile you should shop from your pantry, not run back to the grocery store for more.
  • Use a menu based plan, and create your menu on what you have on hand.  Grocery shopping will then become easier and you just replace what you run out of.
  • Store your food in airtight containers and keep them in a cool, dry place.  This will prevent spoilage and any possible pest problem as well.
  • Many don’t realize that non-perishable items can go bad just like other food can.  Therefore don’t stock up so much that expiration dates are reached.
  • Don’t overstock on OTC medications because they can lose their potency over time.
  • To preserve your fresh foods you can freeze them–but remember they also have a shelf life.

You can easily overdo stockpiling, so just pay attention to your buying and don’t go overboard.  You are going to save a great amount on toothpaste, as long as you don’t buy too many on sale. It is better to get enough to keep you stockpiled for 2 to 3 months–that is the ideal time frame. No matter what you choose, don’t forget to pay attention to expiration dates at all times!

 

 

 

 

Life Saving Tips For Canadian Families Today

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Lots of money saving advice does require an individual or family to change their lifestyle to be successful. We’ve talked before that it takes commitment to succeed financially–period. The cost of raising children has certainly increased significantly, approximately 40% today. Even the most frugal Canadian families can struggle financially, with the best methods in place. It can be a constant struggle for sure. Remember, there are simple, easy things you can do to help relieve family stress and easy monthly finances.

We do talk about this an awful lot, but each month the goal is to give you new, impressionable ways to make ends meet, save money and feel fulfilled without feeling like you’re depriving yourself. No one wants to live to work or simply work to live, it’s not a happy circumstance. A balance is what today’s Canadian family needs. Just making tiny changes can save a budget that might have been floundering for a very long time. From extreme couponing to simply teaching your children those important life lessons, just always keep in mind that every little change is a step in the right direction.

Top 6 Money Saving Ideals for Canadian Families

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Change your spending habits like you change your mindset about exercise. Scientists are finding that it takes approximately 3 weeks for an individual to get accustomed to exercising regularly. If you adjust your spending habits and mindset about money in the same way you’ll possibly stick to your goals. Let’s examine some of the most favorable money saving tips for Canadian families. When times are tough people do complain about not having enough, but it’s all a matter of how you look at your finances. Let’s get right to these tips and hope these improve your odds today!

  • Do you enjoy Cross Border shopping?  If so you’ll save some money with this tactic.  When you live near the border this can benefit you the most and you can really save quite a bit. 
  • Make certain you create a standard budget, and no matter an income increase you stick to that budget. This will really allow you to see your money mount up fast.
  •  If your mortgage has gotten outrageous for you, and you’ve lived in your home long enough to build up equity–consider downsizing. This will put some money in your pocket and some money in your savings.
  • You can also save on travel and commuting if you really play your cards right.  If your car guzzles gas, think about switching to a more economical car, one with flex fuel. You can also consolidate on trips. Invest in a good quality used car to really get your moneys worth.
  • Don’t forget that you can save a tremendous amount when shopping for child daycare! Don’t jump on the first center, or individual. You can work out a deal and even save at tax time as well.

 

 

 

 

 

 

 

Can You Afford A Mobile Home With Bad Credit?

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This is a big question for Canadian families.  If you’ve been renting and are ready to finally become some form of a homeowner–be it a mobile home, or a traditional one–can your credit hold you back from achieving this dream? For so many it feels unobtainable. We all suffer from financial mistakes, and some of these can really hit our credit hard. It would be nice if credit didn’t have such a tough role to play in what we can and can’t have in life. If you can afford it–that is what should matter, right? You’d think, but many times over this is not the case. So, can you really afford a mobile home with credit problems?

Bad credit is not permanent, you can overcome it. Finding a lender with bad credit can be rather difficult though. However, there are programs available to help. If you’re a Canadian family living within the US, you might be eligible for the USDA financing. You might also be eligible for assistance through a state program or rather, HUD. If you reside within Canada you’re going to want to look for similar kinds of lenders that work with those living in rural areas.

Financing a Mobile Home With Poor or Fair Credit

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This can be a challenge under the best of circumstances, but for those families with dented credit–they have to prove their financial ability to pay. They can’t have late payments and they have to be flexible when shopping for the mobile home they want. There are steps one should take to prepare for this big plunge, so let’s list those for you now. This might make the whole process less vexing and definitely less stressful. We all make mistakes, so don’t let the past make you feel like you deserve to be treated less than any other customer! We want you to also remember, while you might be able to get financing with bad credit, you don’t want to get sucked into something you’re not going to be afford. Poor credit leads to higher interest rates and more. Don’t jump on the first loan offered–this would be a big mistake!

  • Pull your credit report and take a good, hard look at it. Look for any discrepancies, and definitely look for charges or actions which you might have been falsely identified for.
  • Devise a way to come up with a decent down payment.  This could be through a trade or some other collateral you might hold.
  • Work with a credit specialist to try and clean up some of your credit concerns. There might be some items on your report that can be legally removed and dramatically improve your credit score.
  • If you have to choose something smaller than what you really want, choose it. You can always work your way up into what you really would like a few years later.  Remember it takes patience and hard work to beat bad credit and climb out of the hole.

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The most important tip we can share with families who are attempting to get approved for a mobile home is to not be suckered. There are those who will prey on families who are vulnerable. Keep your bearings, think clearly, and plan before jumping into anything. You’re trying to build a new life, not create another with even worse problems! You will get that home of your dreams when you think ahead.

Financial Secrets Every Job Quitter Should Know

So, you hate your job and want to quit? Are you really ready to do something like this? Don’t forget the everyday costs you have! While it is your personal choice to decide when to quit a position, it is also important to realize that decision has to be owned. If this is going to put you in a bad financial situation then you should wait. It’s smart to be wise and think twice! Let’s discuss some options and tricks that might help you make that smarter decision today! Many Canadian families rely on both partners working, so if one ups and decides to just quit–there has to be a strategy. Let’s examine some thoughts.

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If you’re going to quit your job you really have to have some kind of financial backup plan. Let’s face it. No one can just up and quit work without dealing with some kind of financial distress–that is, if they have no plan in place. Just to begin, you have to analyze your financial circumstances very well and determine if this is really the year that is right for quitting your job. Only you know if it is the right time for attempting to start over somewhere else. If you’ve been preparing for such a move, then that is great. If you have not then you need to make certain you have enough to sustain you and your family for several months. This will alleviate a great deal of financial stress.

Right now, 47% of Canadians are committed to staying on track financially, which is great. With this in mind, it is pretty certain hasty work decisions are minimal, but of course, things can happen too. When you’re resolved to be financially ready to leave your job, then you have a step up. This is a good thing. However, if you are intent on finding a career position that is going to help you gain a foot hold over debt and assist you in meeting financial goals–right now might be the best time.

The following tips and strategic advice might be helpful to Canadians who are unsure where to start, what they should be doing, and what needs should be in order. Hopefully those leaving their current positions have started banking resources and have a starting plan.  Let’s now turn to some helpful advice and tips now.

The Importance of Cutting Expenses When Quitting Your Job

Of course it makes rational sense to cut back on your expenses when you quit your job. Even if you have a nest egg put back, this can go fast with no income coming in. Once you’ve made that step into new territory you have to itemize and make priorities. You have to be willing to cut back on excessive items and with regard to food, you have to be more willing to go with no name brands on some items. Of course, this isn’t forever, but it is until you find that position you’ve been searching for.  The below list will help you stay on task and keep the important things in order!

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  1. Make sure you have your mortgage in order–Banks don’t care about why you left your job, they only care about ensuring they get paid! You have to make certain you can pay your mortgage and keep a roof over you and your family’s head. This is when you have to know where to cut back and what is most important to pay on time! Also, if you don’t own a home yet, quitting your job could really hurt your chances down the road. Banks frown on those who just up and quit. This could impact your chances for more than 3 years, so once again–have a plan!
  2. Don’t let tax time catch you unprepared–If you quit your job to start out on self employment you need to have an idea of what those end of year taxes are going to be like. It might not be the wisest decision to run your own freelance business at this time. Decide if you’ll be doing better financially working on your own and choose wisely! This has to be sustainable for the long-term. There is no skirting taxes.
  3. Don’t take out loans and don’t borrow from anyone–You have to stand on your own two feet, so forget a loan or borrowing–even if this is from family. Once you make the decision to quit your job you have to own it and accept the consequences. Be prepared and ready!
  4. Create consistent income–If you’re going to work for yourself then you’re going to have to develop a plan to guarantee the same amount of income week to week and month to month. There can be no variation if you’re going to meet all financial goals and save money too. Be smart here and know what you’re getting into!
  5. Don’t just count on will-power–If you don’t devise a way to save money before you even see it, will power alone won’t help you much. Most people always find an excuse to spend, but if you can have money taken from your pay before you even get it, that guarantees saving and having when you need it the most!

 

 

 

How Can You Change That Low Credit Score?

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Low credit score–you had no idea! How did it happen without you even being aware? Look, if you don’t pay attention to your financial habits and work to keep your credit rating healthy, it will drop, and you won’t be alerted about that either. It’s murky waters out there, but you can keep from drowning. Too many Canadians are hit hard with a poor credit score they had no idea about. The sad news is that bad choices from the past can come back and haunt you, ruining what was a great score before you ever realize what is happening. The tips below can help you avoid financial mistakes and help you to get your credit score back up where you need it to be!

 Let’s Get Started Getting That Credit Score In Shape

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So, the first step to take is to become more proactive with your finances and your credit.  Understanding how to keep track of data like this can help you catch a suspicious transaction that has the potential of destroying your credit too.

  1.   If you carry a high balance on your credit card every month (even if you pay it off) it goes against you. This makes it appear you rely on your credit card to survive month to month. Some have the idea that this builds credit, as long as there is a 0 balance carried over. It’s simply not true. Don’t exceed 40% of your available credit.
  2. One of the biggest mistakes an individual can make is applying for too many credit cards. Every time you apply for a credit card you have the potential of denting your score. This makes you look needy and might steer good creditors away.
  3. Sadly, some Canadians can find their accounts sent to collections without ever having any idea of it. Those accounts which are more prone to this happening are medical. It might not seem fair, but it happens almost daily. Much of this falls onto the fault of insurance companies not paying claims on time. However, consumers are the ones who suffer financially.
  4. You need to consistently check for errors on your credit report, because they do happen. If you find something that is concerning, or which you know is not accurate then you should make the proper contact so that the issue can be resolved and your credit can be repaired.

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Just these 4 simple practices can help to make a difference in your financial habits and certainly your credit rating. We all make mistakes, it’s natural. It’s how you approach your mistakes that change your life. Start building a good, solid credit history today and pay attention to your own financial habits as well. Slowly but surely you’ll see that score begin to rise!