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Estimated studying time: 17 minutes
Be part of us for the February 2024 price range replace from the Canadian Price range Binder household. See how we handle our cash, be taught from our errors, and attempt for monetary success.
Should you’re new to CBB, it is a month-to-month price range breakdown so you’ll be able to see how we spend and get monetary savings.
We apply a zero-based budget to an Excel spreadsheet I created and supply all weblog subscribers at no cost.
Why I Share Our Month-to-month Price range
I stay up for placing this put up collectively because it lets us see the place our cash was spent.
A price range additionally acts as a diary on your bills so you’ll be able to look again to see success and failure.
In spite of everything, we will solely achieve success if we be taught from the errors we make alongside the best way.
Our price range replace additionally lets readers know that we’re NOT good and should make adjustments like everybody else.
We use the instruments (Free budget Binder), and I hope you will have downloaded your free copy.
If there’s any info that you just’d wish to know or clarify about our price range, please share your feedback under or reply to this e-mail.
Alright, let’s get into this.
Dialogue February 2024 Price range
Once more, it was a comparatively quiet month for us; nevertheless, we did dabble with the net app TEMU.
Everybody has their views in regards to the app, however as a finance blogger, I wished to know the hype.
We positioned a number of orders over the previous two months and realized two issues.
- At all times learn the measurements of what you might be buying.
- Yow will discover some bargains if you recognize what you’re searching for.
I’d like to learn suggestions from anybody who makes use of or has used TEMU. Reply to this e-mail or remark under.
The plan is to write down a weblog overview in regards to the app to let different readers find out about our expertise and anybody else who needs to share.
Benefit from the learn, and as at all times, I admire your form suggestions and options within the remark part.
Percentages For Our February 2024 Price range
The year-to-date share chart is one other option to chart our family price range.
February 2024 Family Price range Percentages
Financial savings of 48.00% embody investments and financial savings primarily based on our web earnings.
Our life ratio of 27.85% accommodates every little thing from groceries, leisure, miscellaneous objects, well being/magnificence, clothes, and so forth, all of that are variable bills.
The life ratio is over once more this month, which we attribute to further well being purchases in bulk, as described under.
Our house and vehicle are paid for, and we’ve got zero client debt; nevertheless, we nonetheless pay property taxes and upkeep charges of 7.60%.
The projected bills of 11.56% can change primarily based on what we encounter month-to-month, reminiscent of a brand new merchandise we have to save for.
Grocery Breakdown February
A reader emailed me asking if I may share what we bought for groceries in February.
We attempt to discover the very best costs utilizing the Flipp App, coupons, and bargains by Flashfood and lowered in-store pricing.
You could discover that we bulk buy objects reminiscent of apple juice from Zehrs.
Our son drinks plenty of it blended with water, and we bulk purchase when PC Optimum Points can be found for juice.
Additionally, our son might have ARFID, which stands for Avoidance/Restrictive Meals Consumption Dysfunction.
Avoidant/restrictive meals consumption dysfunction (ARFID) is a reasonably new consuming dysfunction. Youngsters with ARFID are extraordinarily selective eaters and typically have little curiosity in consuming meals. They could eat a restricted number of most popular meals, which might result in poor development and poor vitamin.
We purchase meals for him to strive, and he both likes them or doesn’t.
I typically present what he doesn’t wish to our neighbour with three kids.
I additionally buy objects to create recipes on the weblog, though I do know no enterprise compensation for these bills.
Zehrs
- Ice cream cups $3.79 (Meals Fundamentals offered out)
- Organika French Vanilla Yogurt x 2 50% off $5.50
- Protein Crisps x 2 50% off $2.94
- Blackberries 50% off $2.50
- Blueberries x 2 $3.44 Sale
- Bosc Pears x4 $3.87 (new for son to strive)
- PC Apple Juice Not From Focus x 6 $24.00
- Massive Eggs $3.79
- PC Wiltshire Bacon x5 50% off $20
- Nescafe On the spot Espresso x 3 Sale $4.99-$2.00 coupons
- PC Apple Juice NFC $12.00
- Truetaste Milk 1% x 2 Member Value -$4.00 $10.00
- Harvest Crunch Salad Equipment x 2 50% off $6.00
- PC Mushrooms 50% off $1.75
- Gala Apple Bag Member value $5.99
- Blueberries Recent $3.44 Sale
- Frozen Shrimp x 3 Sale $24.00
- Oatmeal Cookies Bakery (me…) 50% off $3.50
- Earned 17,500 PC Optimum Factors
- Earned 3000 PC Optimum Factors
- Earned 1200 PC Optimum Factors
Walmart
- Sealtest Milk 1 L Decreased $1.29 x 2
- Fuji Apples $4.23
- Dijon Mustard $1.97
- Bananas $0.98
- Shrimp $9.97
- Kale Decreased $2.06
Customers Drug Mart
- 2 x PC Caesar Salad Equipment 50% off $6.98
- Date Squares 50% off $3.14 Ya, I do know I’ve a fantastic recipe, however it was a type of nights the place the date squares received the battle.
Costco
- Purelife water x 3 $3.29
- Fairlife Chocolate Protein Drink $42.99
- Kirkland Greek Yogurt $11.49
- Bran Buds $9.99
- Taster Alternative On the spot Espresso x 2 $12.99
- Kosher Dill $6.99
- Hellmans Mayo $8.50 Sale
- Nano Yogurt Drinks x 2 $10.00 every Sale
- Salmon $34.99
- Mini cukes $5.49
- German Salami x 2 $14.99
- Bavarian rye Bread $4.99
- Keto Tortilla $6.49
Amazon
- Dill Mustard $7.99
- 1 Internet Carb Mr. Tortillas $28.00 40 pack
- Triscuits x2 $5.00
Meals Fundamentals
- Choice Bran Flakes $4.44
- Avocado Bag $3.98
- Premium Bananas $1.70
- Asparagus $1.88
- Oikos Vanilla Greek Yogurt x3 50% off $9.00
- Choice Espresso Cream 3 x $2.97
Flashfood App February
Sadly, I don’t have the precise merchandise because the app wipes it out. I’m taking screenshots now, so I’ve them for reference.
If I keep in mind accurately, we bought giant blocks of Saputo mozzarella cheese, yogurt, and milk.
- $24.00
- $5.48
- $14.99
- $10.47
52-Week Financial savings Problem
In December, I began a 52-week Savings Challenge and requested my readers in the event that they wished to take part.
Under is the jar we created to save lots of the cash for twelve months.
Our son said that he wished to take part, so it was determined that he would save his allowance or some other cash he earned.
Within the savings jar for February, there’s $20 or $5 weekly for his allowance, totalling $40 for 2024.
We don’t depend the additional days; we solely depend the total weeks month-to-month.
Under is a CBB fan becoming a member of us within the financial savings problem and preserving herself accountable by sharing with all of you.
Howdy, it’s me, TFSASaver, with my replace.
My objective for every cash to save lots of is $62.
I saved the next:
- $8 offered 2 small objects
- $40 (I talked myself out of shopping for any lotto tickets this month) and transferred that cash into my financial savings account.
- $20 used $20 price of PC Optimum points at my grocery store and took $20 and put it straight into the financial savings account.
Observe: I’ve to switch the cash instantly, or I’ll overlook to do it!
This problem makes me extra aware in regards to the pointless “needs” I face throughout the month.
We additionally had no unplanned eating out this month (1 deliberate event with household), So I be ok with that.
Thanks!
Nice query from our reader under. If anybody needs to reply her, go away a remark.
An concept for a Query and Reply is relating to the lottery.
How a lot can individuals reduce by chopping out this “tax on the silly,” as I inform myself, regardless that I consistently see advertisements selling the lottery?
It’s an space of weak point for me.
Grocery Meals Financial savings Jar January 2024 Replace
Why will we observe our grocery reductions for your complete yr?
Tracking Our Grocery Discounts For One Year + Free Printable
I’ll tally it on the finish of the yr to see how a lot we saved buying reduced food products.
Learn the 2023 End of Year Grocery Food Savings Jar Review.
We saved $146.72 for February utilizing coupons, rewards apps, and Flashfood.
To date, in 2024, buying discounted meals has saved us $280.93.
That’s Superior!!
February 2024 Estimated Price range and Precise Price range
Under are two tables: Our February 2024 Price range and our Precise Price range.
Our February 2024 month-to-month price range represents two adults and a 9-year-old boy.
Price range Color Key: It’s a projected expense when highlighted in blue.
Since Could 2014, we’ve been mortgage-free, redirecting our cash into investments and residential enchancment tasks.
Spending lower than we earn and budgeting has been the best option to pay off our debt and save money.
The sort of price range is a zero-based budget the place all the cash has a house.
Estimated February 2024 Price range
We might not want all the cash we budgeted for in every class. Nevertheless, it’s higher to be over or below price range for bills.
Don’t overlook to budget for projected expenses as a result of your total month can fail on account of not planning.
Precise February 2024 Price range
Canadian Banks, We Use
Breakdown Of Our February 2024 Price range
Under are a few of our variable bills from February, other than investments that I’ll talk about.
February 2024 Price range Class Modifications
Our budget categories remained the identical in February, other than a mathematical error I made final month for telecommunications.
Since then, I’ve rectified that by lowering our month-to-month bills to $180, though this adjustments ceaselessly as Spotify, Rogers, and Freedom Mobile might improve costs.
I can’t complain with Freedom; they’ve charged me solely $21 for years, and I get 11GB of knowledge month-to-month.
The largest offender is usually Rogers; yearly, we might even see Spotify improve by $1.
Family Payments and Bills February 2024 Price range
Under is an evidence of the price range classes from February 2024 that had been over price range or want clarification.
Grocery Price range February 2024 Price range
Our month-to-month grocery price range is $900 plus a $25 stockpile price range.
We spent $842.00, or $58, below price range for our February groceries.
That doesn’t occur typically, however when it does, it’s a contented time on the CBB residence.
Groceries are our most formidable competitor, because it’s a combat between price range, mouth, and abdomen.
Pet Bills
In February, our pet bills of $350.00-$301.75 = $48.25 got here below price range for our two cats… a miracle!!
There was one other med cost for Huge Ginger, as his nostril will not be enhancing.
It will get crusty, which we thought was meals, typically, however after we wipe it with a heat wipe, there’s blood.
We purchased him particular meals for $69 this month from Chewy, a singular new Canadian pet meals firm from which we order.
Nevertheless, we don’t suppose he’s allergic to his meals. The opposite choice is to get blood checks carried out to see what comes up.
New Moist Cat Meals Alert!
We might have found out a model of meals Mr. Black Snack Cat likes referred to as Dashi Delights.
It prices round $24 for a 12-pack, so it’s not low cost, however no less than he eats all of it.
Usually, I discover that they need contemporary meals and received’t eat leftovers as they get crunchy. (I don’t blame them.)
Huge Ginger loves his meals however not a lot the snacks, and he prefers Fancy Feast creamy varieties reminiscent of Florentine.
The fee is inexpensive than the Dashi Delights, however each cats will eat it.
If we may return and do it once more, we’d doubtless persist with dry cat meals, though the vet stated that moist cat meals can be acceptable.
Stability is essential, even with pets, and that’s a wrestle now that we’ve got them in our routine.
In addition they every have a bowl of dry cat meals that they eat between meals or after we aren’t residence and they’re hungry.
Generally Huge Ginger has moist meals with a aspect of dry, haha!
Our cats are complete opposites.
Should you personal a cat or cats, how do you entertain them every day? Our cats whine after we are residence to play all day till they sleep.
Hit reply or remark under and suggestions you can provide us.
Don’t get upset if we tousled cat parenting guidelines. We all know.
Well being And Magnificence
Budgeted $270- $474.70 precise well being and sweetness bills means we had been over price range by $204.70 in February.
The overage primarily comes from shopping for in bulk merchandise, reminiscent of iron tablets from Amazon that had been out of inventory for months.
Sadly, Mrs. CBB wants a selected model of iron tablets as she is borderline anemic proper now.
Additionally, she bought whey protein powder to extend her every day protein numbers.
Sadly, the whey will not be working for her because it provides her abdomen issues, reminiscent of an excessive amount of fuel.
She discovered a brand new firm that makes a vegan plant protein powder and has fallen in love with it.
Not solely does she don’t have any fuel, however she additionally has no chalky style, and she or he says the flavours are so good.
To get free transport, she needed to spend x quantity of {dollars}, plus they’d a sale on gingerbread protein powder, so she stocked up.
I’ll have extra information on the corporate and product as quickly as I can get you all a reduction code to save lots of you some cash.
A pitstop at Costco meant we stocked up on paper towels, face wipes *for our son), bathroom paper, and different family requirements.
Lastly, she bought a SkinCeuticals product for round $132 for her nice strains and blemishes.
Since she has a limonene allergy, she is restricted within the varieties of well being and sweetness merchandise she will purchase.
FlashFood App
Each one that indicators up will get a $3 credit score, a freebie provided by Flashfood for brand spanking new app prospects.
Use my referral code, MOCD28ZN4, to get the $3 credit score, and your first buy have to be over $15.
For the document, FlashFood retains altering the referral earnings from $3 to $5 for brand spanking new members who join free.
So you could get roughly cash primarily based on how they really feel for the month. It’s free cash, so no complaints right here.
We spent $54.94 on groceries utilizing Flashfood, though I don’t know the financial savings. I’ll work on monitoring that for March.
PC Optimum Rewards Factors 2024
We began 2024 with below 7 million PC Optimum Factors, or $6830, and now at $6390, or 6,937,857 factors.
I do know a lot of you may suppose it is a huge variety of factors, and we agree.
The method of saving them began after our son was born in 2014.
Between diapers and system, we amassed factors sooner than we may spend them.
Sure, we’ve got redeemed many occasions, however solely throughout their Mega Bonus Occasion at Christmas.
Redeem 250,000 factors for $500; I imagine it was $600 at one level.
TD Visa Money Again Quantity
Our TD Visa has a money again stability of February 29, 2024, which is $413.25.
Canadian Tire Triangle Rewards February 2024
Sometimes, my bills are placed on my Canadian Tire MasterCard other than Costco CIBC MasterCard for fuel and groceries and PC World Elite MasterCard for groceries.
We additionally solely store on 20x or 30x the Triangle Rewards days!
Dream Air Miles
I’m including Air Miles as a result of they emailed Mrs. CBB, and we realized we hadn’t invested a lot curiosity in this system.
Most factors are from our home and automobile insurance coverage, which supply Air Miles.
There was a degree the place we had to decide on Money Miles or Dream Miles.
Since my household lives within the UK, we felt the Dream Miles would have labored finest for us.
I hope to discover this program in 2024 and would love suggestions from all of you who make investments the time into constructing miles.
Hit reply and inform me about your Air Miles experiences.
February 2024 CBB Internet Value Replace
After tallying three rewards playing cards, we discovered $8222.33 in money/rewards to redeem.
This quantity will not be factored into our web price, though $1292.33 of Canadian Tire rewards and TD Rewards are money.
The funding portfolios elevated by $45,541.68 or 4.49% in February.
In February, I invested in my RRSP by about $10,500, which was the accessible room.
We elevated our web price by 2.15% or $34,005.76 in February.
In case you have any particular questions on how we make investments our cash, please remark under, and I’d be blissful to reply them.
Till Subsequent Time!
That’s all for our February 2024 Month-to-month Price range.
I will probably be again in April to overview our March 2024 month-to-month price range.
If there’s one thing you’d wish to see in our month-to-month replace, hit reply to this e-mail.
Thanks for stopping by, and please subscribe if you’re new to CBB to get my weekly weblog put up and month-to-month publication.
Learn our budget updates from 2012-current.
Mr. CBB
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