money

How Kijiji Can Help You Budget for Baby

by Samantha on August 16, 2015

Kijiji provides everything new parents need without breaking the bank

DISCLAIMER: This post is written in partnership with Kijiji in support of raising awareness about how the Second-Hand Economy can support new parents who are looking for the best value for their family dollar. As with all content on this blog, opinions are completely my own.

baby pic

Raising kids can be expensive!

Bringing baby home can often be anxiety-inducing for parents who want to know how to get the best value for their hard-earned dollars. With my last pregnancy, thinking about the reality of bringing home TWO babies at once (twin boys) was stressful, to say the least.

With the price of baby-related items, from clothing to car seats and more, the prospect of doubling-down - literally - on expenses was one that made me break out into a cold sweat.

Thankfully, there were options, including the simple ability to log on, search and find exactly what I was looking for.  And I was not alone. The trend towards the reuse and the recycling of gently-used items has increased over the past number of years. With the availability of the Internet and the growing comfort-level with online purchasing, it’s no wonder that budget-conscious parents are heading online and taking advantage of the digital economy to find what they need.

baby reading

According to Kijiji’s Second Hand Economy Index, Baby items were found to be some of the most commonly-exchanged goods by new parents and that the average cost for caring for a baby can increase annual expenses by an estimated $10,000! For this reason alone, it’s not surprising that parents are getting creative when it comes to their baby budgets and spending.
Head on over to “Welcoming Baby on a Budget” where I provide some simple tips for expectant and new parents about how to save money. Scroll down and click through the gallery to see all of the tips.
Here are a few to get you started.
Bringing Home Baby While on a Budget - Top 5 Tips For Parents:
1) Mix the Old With the New - A mix of gently-used and new items is a solution great for parents on a budget. Purchase a few new baby things and visit Kijiji to outfit your layette and home with the items needed.
2) Don’t Spend More Than You Have To - Make a budget and stick to it! There are a number of items in a variety of price ranges online that will fit any budget. Do your research, know what your limits are and start saving.
3) Reuse, Recycle and Relax - Share the love and save the environment at the same time. Reuse, recycle and rotate clothes, toys and other baby items within your circle of friends as well as the community.  The Second-Hand Economy is alive and well and a great place to share, buy, sell and save.
4) Click Here For Community Support - You can also get the help you need online as a new parent. From playgroups to mom and baby lessons, to neighbourhood groups and more, get online, expand your social circle and of course, save.
5) Babysitting Baby -  In the bleary days of new parenthood, a day or night out away from parent-duty is what all moms and dads need. Finding daycare, a nanny or babysitter within your budget is a simple click away. You can search by your specific community and postal code as well.
Watch the video below to see how the Second-Hand Economy is good for everyone!
VIDEO: Why Second-Hand Should Come First

How did you save money when you were expecting, or were in caring for your baby in the first year? What advice do you have for other parents who are looking for ways to save? Leave me your tips and comments in the section below.second hand economy

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VIDEO: How to Save Money Grocery Shopping

by Samantha on July 27, 2015

Here are 10 tips that will help you save money at the supermarket

vintage grocery

We all know that raising a family on a budget is a challenge, to say the least! With the price of food skyrocketing daily, it’s more important than ever to find ways to stretch our family dollar as much as possible.

While the prospect of going to the supermarket and stocking up every week is daunting for most of us, there are some simple tips that parents can follow to decrease the amount of money spent on groceries.

Whether you’re dealing with spending too much money at the grocery store, or managing a meltdown in the cereal aisle, there are options that can make parents breathe easier while at the supermarket, with or without the kids. And speaking of kids, this is what I deal with when shopping with the children. Fun? You betcha! 😉

kids in cart

As a follow up to this post - How to Save Money on Your Grocery Bill - Top 10 Tips For Parents - I’ve provided tips via YouTube video as well, for those of you who may not have the time to read the full post.

Check it out the video below and let me know what you think about the tips (either in the comments section below or via YouTube comments). Feel free to add some additional tips as well! If there are enough, I’ll include them in an updated follow-up post. And while you’re there, don’t forget to subscribe to my YouTube channel to make sure that you receive the most recent video tips and advice!
VIDEO: How to Save Money Grocery Shopping - Top 10 Tips For Parents

 

Image courtesy of www.zazzle.com

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Simple money-saving strategies for families

Groceries

That will be $257.43, please.

Ouch! That hurt!

Grocery shopping for a family of growing kids can be ridiculously expensive, as I’ve painfully found out. With a weekly shop a necessary requirement, a visit to the supermarket can bring on feelings of not only anxiety but downright fear as well. Pockets and wallets are only so deep and the thought of cleaning out the financial reserves in order to put food on the table can make any parent break out into a cold sweat.

With three growing kids and two adults, my grocery bill can be pretty hair-raising at times. Despite my best efforts, it’s definitely a challenge staying within a budget and making sure that my family dollars are stretched as much as possible.

That being said, there are some tricks that I’ve figured out that allow for greater savings and less money being handed over at the checkout. For anyone who’s been challenged to shop on a budget, these simple tips can really make a difference.

Here are my Top 10 Tips For Saving Money on Your Grocery Bill

1) Keep Up With Store Sales  - Get ahead of the game by knowing what the best deals are in your local area. Check all of the store flyers regularly (both print and online) and scour them for deals. Sign up for email newsletters and store memberships (where applicable) and watch your savings grow.

2) Be Fickle! - Don’t commit to just one grocery store. In keeping with Tip #1, know what’s on sale and also where it’s on sale. If the product or food item that you need is cheaper at a location other than your regular grocery store or supermarket, make the trip to that location and make it worth your while, financially. Map out a course of action and pick up your needed food items wherever they’re most economically priced for maximum savings.

3) Use Coupons - Whether it’s a manufacturer’s coupon or a store coupon, take any opportunity you have to save using these items. Look at coupons as free money: you have the option of saving, so why not? To not use coupons on your frequently-purchased items is almost the same as throwing money away. With online options and digital downloads available for most coupons, they are easily scanned from your smartph0ne or mobile device - no clipping required. There are also a number of coupon apps that take the guesswork and tedium of coupon clipping non-existent. **Scroll down to the end of the post for the top 10 coupon apps for both Android and iOS**

4) Shop in Season - Quite simply, fruits and vegetables that are seasonal are less expensive than those that are not. Think of it: a mango in a New York winter or a pumpkin in the dog days of summer means that both items have been transported from far-reaching locales. In addition to the obvious carbon footprint that the item will have, you’ll also have to contend with the high price required to transport the item from distant locals to your local supermarket. Shop for fruits and vegetables that are in season and help both your bank account and the environment.

5) Buy Store Brands - A little-known secret of supermarkets as well as many consumer goods stores is that they often sell name-brand products under a “white label” banner. In other words, those store-brand potato chips or acetaminophen could very well be the more expensive name brand items (e.g. Lays Potato Chips or Tylenol) in disguise. It is a very well-known and common practice for the makers of many name-brand products to offer the exact same items to consumers under the particular store brand where they are sold. In other words, these items are just as good as name brands and, even better,  you can often save up to a third or more off the name brand price. When it comes to groceries, consider buying store brand items for extra savings.

6) Don’t Shop When You’re Hungry - Perusing the aisles of your favourite grocery store on an empty stomach is a recipe for disaster (pun intended). Before you head into the cereal aisle, make sure you’ve eaten enough that you’r full and not easily tempted by those unplanned snacks that beckon as you try to stick to your list. By eating before grocery shopping, there will be less likelihood that you will give in to a craving for the unplanned (and often expensive and unhealthy) food item in front of you.

7) Know Your Prices - To maximize the amount of money that you can save, make sure you go into the supermarket with a good idea of what things should cost and what your budget is for that particular day. As with any expedition, research and knowledge will help you achieve your goal - in this instance, saving money - and will arm you with the confidence to make the right food choices at the grocery store. Having a general idea about how much particular items cost will allow you to stay within your planned budgetary range and will lower your chance of overspending.

8) Buy Frozen or Canned Foods - Many foods that are frozen and canned are just as good for use in family recipes as fresh items, which are more expensive. If you’re down to the wire financially but are still on the hook to make a reasonably-balanced and healthy meal for the family, look no further than the frozen aisle of the grocery store and start saving. Examples of fresh food items that can be substituted for frozen in various recipes include frozen spinach in vegetarian lasagna, frozen peas for tuna casserole and canned tomatoes for homemade pasta sauce. (On a related note, always have some canned goods and non-perishable staples on hand so that you can rustle up a meal when you’re down to the wire and have to go grocery shopping. These included tomato paste, canned tomatoes, pasta, flour, sugar butter, etc.)

9) Make A Meal With What You’ve Got - Once a week, go through your cupboards, pantry, fridge and freezer and get creative! Make a meal out of your existing food items to make sure that nothing is going to waste. Doing so will not only save you money but will give you a better perspective on what foods are being eaten - or not.

10) Buy in Bulk - For certain items, buying in bulk can make a considerable difference in your total weekly food bill. Whether it’s stocking up on staples such as flour or rice, or purchasing “bulk size” items such as toilet paper or diapers, check your prices, particularly the unit price and start saving.

So as you can see, following a few simple strategies while grocery shopping can result in considerable savings for a family on a budget. All it takes is a little bit of planning in order to get the most “bang for your buck.”

Remember, before you go to the supermarket:
  • Plan ahead
  • Have your coupons ready
  • Eat! Don’t shop while hungry
  • Frozen and canned goods can make cost-effective substitutes
  • Buy in season
  • Choose store brands wherever possible

RESOURCES

The Top 10 Coupon Apps for Android

The Top 10 Coupon Apps for iOS

VIDEO: How to Save Money Grocery Shopping

What are some of your tips and tricks for saving money at the grocery store? Tell me about it in the comment section below.

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Image courtesy of www.sheknows.com

 

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CBC investigation reveals more questions than answers on this increasingly popular tactic

Hmmm…seems as if I’m not the only one with questions about the charitable donations that are being requested at the checkout.

If you’re a regular reader of this blog, you know that the trend towards “checkout charity” is one that gets under my skin.

Why?

Because there is little accountability about where the requested money is going to and consumers are being put on the spot to donate. A CBC Marketplace investigation revealed that a number of companies employing this practice are not as transparent regarding the details of how checkout charity funds are spent. You can read more about it here:

Checkout donations: Poor transparency about where the money goes

In terms of consumers, many feel shamed into donating at the cash register for fear of appearing cheap in front of the cashier and those who are lined up behind them. Instead of feeling good about their donation, or their decision to decline, they leave the store with a bad taste in their mouths.

Checkout Charity

Doing what they do best, the folks at CBC Marketplace set out to get to the bottom of this practice by asking the tough questions that us average consumers want answered. What Marketplace’s investigation revealed was surprising, to say the least.

Check out the full episode below featuring yours truly, as well as interviews with spokespersons from companies that employ this tactic. I was very surprised at what was revealed in the episode and would love to hear your thoughts on these details as well. Looking forward to your feedback in the comments section below.

FULL EPISODE: CHECKOUT CHARITY - DOING GOOD, FEELING BAD

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CBC Radio Interviews - Lice, Kids and School

by Samantha on October 11, 2014

Your kid comes home with lice. Who's responsible?

n-KID-LICE-CHECK-large570

We as parents wait with bated breath for the dreaded letter.

It usually starts out something like this:

A case of pediculosis has been identified in your child’s class…” yada, yada, yada. You get the point. Someone in your kid’s class has LICE! You are freaking out, especially if you are a first-time parent and never have had to deal with this scourge.

As a mother of four, I have had the dreaded letter sent home one too many times, and have dealt with it - and more. Let’s just say that it’s no fun and yes - it’s a hassle to say the least.

Lice - those pesky little critters that get into hair and so much more - have become the scourge of parenting in the 21st century. Not sure what happened but there’s been a proliferation of the dreaded creatures and our kids - and oftentimes their unwitting families -  are the victims.

But who’s to blame?

  • Is it the parents of the children who are bringing these horrible little bugs to school?
  • Is it the kids themselves who, through their actions (innocent or not) perpetuate the proliferation of these dreaded creatures?
  • Is it the school board for not having a more comprehensive educational program to teach both parents and kids how to avoid the scourge of lice?

The reality is that it’s a combination of all of these factors, but I strongly lean towards the third as a key component that is not being addressed as much as it should be. There needs to be a concentrated effort on the part of educators at the school level about how to deal with lice as, let’s face it - it’s at school that kids usually pick up these pesky creatures and bring them home to their families.

CBC Radio Metro Morning

I was recently back on CBC Radio’s Metro Morning to discuss this timely and touchy topic.

Here is a link to the full interview:

Metro Morning - Head Lice and Schools

As a result of the interview, I was asked by CBC Radio’s sister program Ontario Morning to discuss the topic, which I can share with you - scroll down for a link to the clip below.

Some other points that were addressed during both interviews was the rise of “Lice Squads” - enterprising entrepreneurs who - for a fee (often more than $200), will come to your home and delouse your child of the dreaded pests. In many cases, “Lice Parties” are taking away the stigma - and the pests - by normalizing the infestation and by making the delousing actually fun - parents are having wine and cheese in many instances while their kids are getting nits and eggs removed from their heads. I guess this is an example of life giving you lemons and you deciding to make lemonade…or sangria, as it were…

Anyway, all be well and good for those who have the money (the cost is per child, so if you have two or three kids, you can do the math and figure out that delousing the family could get pretty pricey), but what about those who are struggling financially and can’t come up with what would be considered a very expensive way of getting rid of a difficult problem? The issue of inequality of opportunity arises - in other words, if you don’t have the cash, you may have a much more difficult time dealing with ridding your family of these horrible critters. And we haven’t even touched upon the question of stigma - because we all know that those kids who have had persistent bouts of lice and have had difficulty getting rid of them are stigmatized, at least to some degree.

Finally, let’s not forget what all of us parents who have been in the trenches of parenthood for years have known - the “lice letter” that comes in the fall is often one of many that occurs throughout the school year. Again - do the math and these pesky critters can cost a family a lot more than inconvenience.

So what’s the solution?

Ontario Morning

You can listen to my interview with Ontario Morning here (link to iTunes Ontario Morning feed) - The episode is from September 30th 2014 - skip to 40:25 for my segment (it’s at the end of the program):

Ontario Morning Interview - Lice, Kids and School

Of course there are many natural ways of removing lice which don’t cost an astronomical amount and don’t employ the usage of very caustic and often toxic chemicals. Who wants to put that on a child’s head? Some advice and tips on details about natural lice removal can be found in the links below:

How to Kill Lice Naturally

Natural Lice Treatment

Home Remedies For Lice

So what are your thoughts? How do we deal with this yearly, pesky problem that occurs in our schools and spreads to our homes? Who’s responsible and how do we rid ourselves of these horrible critters? Leave me your thoughts in the comments section below.

Image courtesy of www.huffingtonpost.com

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The Sting of Disinheritance

July 1, 2014

Do We Owe Our Kids Our Money After We’re Gone? You think that kids of celebrities have it easy? Think again. Sting’s surprising announcement that he’s not leaving any of his vast fortune to his children was a shock to many. How could this multimillionaire leave his kids to have to *gasp* work for a […]

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Really Easy Homemade Pizza Recipe With No-Rise Crust

November 10, 2013

A Simple and Quick Meal That the Kids Will Love This one is great for kids. I make this homemade pizza often because I got tired of paying $30 or more for a pizza or two to be delivered that wasn’t that much better than my own. Let’s face it: when you have little kids, […]

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VIDEO: Emergency Preparedness Tips For Families: Global Morning Show Segment

May 10, 2013

Following my post regarding best practices for families about Emergency Preparedness, I was asked to return to the Global Morning Show to discuss. Armed with an Home Emergency Kit based on the information found at Toronto Hydro’s site, I was ready to go. Watch below for tips and advice about what all homes should have […]

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An Emergency Preparedness Checklist – Top 10 Tips For Families

May 4, 2013

An Emergency Preparedness Checklist – Top 10 Tips For Families Emergency preparedness is particularly important in families with children in the home. Not only should parents make sure that their kids know fire drills and how and when to act in emergency situations; they should also make sure that kids are well-versed on where certain […]

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Monday Musings - Is There Any Hope For Our Entitled Kids?

March 25, 2013

There’s no question that our kids have so much more than we used to have at the same age. These days, most of us parents are used to Generation Y and the young kids, coming up the rear with an even more pronounced sense of entitlement. Yes, our kids are spoiled, at least in comparison […]

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