Smart Grocery Shopping in Canada

This week I will explain how our family practices smart grocery shopping in Canada. Groceries is a major expense for all families.  For us, as outlined in our annual expenses, it was our 4th highest expense.  In FI, groceries will be our #1 expense. So it’s important to always find ways to save and make this expense items as small as possible. Continue reading “Smart Grocery Shopping in Canada”

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Let’s talk about your water bill…

Over the last few years we have really examined all our expenses as much as we could. One that I havn’t spent too much time on and most people don’t is our water bill. We’ve taken a number of steps over the years to reduce our water bill.  For 2 reasons.  1. Water costs money. and 2. Overusing water is not very environmentally friendly.  I think as a population we probably use way too much water and take it for granted. Especially since a large part of the world doesn’t have access to clean water. Continue reading “Let’s talk about your water bill…”

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How to actually get a good deal on an oil change…

I would really like to learn how to eo my own oil changes.  I think I will once we reach FI and I have the time and space to do them.  For now, we still need to get our oil changed by a mechanic. As the frugal family that we are, we always try to find the best deal on an oil change. As much as a good deal on an oil change is important, the time component of getting the service is also very important.   Continue reading “How to actually get a good deal on an oil change…”

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Do I Need RESPs in 2017?

In 2014 when our first child was born we opened an RESP account for them.  We contributed $140/month. When our daughter was born we doubled this amount to $280/month and made it a joint account.  The RESP program in Canada seems like a great idea because it matches up 20% of your contribution and allows the fund to grow tax free. However more and more these days, I am contemplating: do I need RESPs in 2017? Continue reading “Do I Need RESPs in 2017?”

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