Friday, February 4, 2022

"Canadians flocking to food rescue apps to reduce grocery bills and waste"/ "How to save money on your grocery bill amid empty shelves and higher prices"

Jan. 24, 2022: I am passionate about saving money, and preventing food waste.  I like these articles that are helpful for everybody because we all have to buy groceries:

Jan. 24, 2022 "Canadians flocking to food rescue apps to reduce grocery bills and waste": Today I found this article by Tara Deschamps on BNN Bloomberg news.  I already posted this excerpt on my blog and Facebook, but I really like this:

TORONTO -- When Gillian Pulfer picked up roasted sweet potato soup, flank steak and chicken salad from a Toronto Pusateri's Fine Foods for $10 last weekend, the deal was too good not to brag about.

"It's a more high-end, luxury grocery store...so most people don't necessarily have the budget to go shop there, but you're saving money and you're getting good food," said Pulfer.

After chowing down, she let her Instagram followers in on her secret: She found the haul on Too Good to Go. The app is one of many uniting deal-seekers with restaurants and grocers eager to keep aging food that's still fit for consumption out of the trash in exchange for a small fee.

Users of apps like Too Good To Go, Flashfood, Feedback and Olio say they have paid anywhere from $3 to $10 for prepared lunches or dinners, a week's worth of vegetables and fruit, several loaves of bread, pastry boxes and even, entire pizzas or cakes.

The savings often go a long way, said Eric Tribe, Flashfood's chief marketplace officer.

"Over the holidays, we had a father who wrote in and thanked us because he'd been let go from his job due to COVID-19 and he used the money saved on Flashfood to buy stocking stuffers for his kids," said Tribe.

The app, which is used by supermarket conglomerate Loblaw Corp., was started by Toronto entrepreneur Josh Domingues in 2016, after his chef sister threw out $4,000 of food following a catered event.

The app offers produce, meat, fish, bread, dairy and pantry staples nearing their best before date and often marked down by at least 50 per cent. Some items last for weeks, if frozen or cooked. Others have a day or two left.

Orders are retrieved in supermarkets, which typically mark items nearing their best before dates down or donate them to charities, food banks and farms for animal feed.

But those methods still leave grocers responsible for a quarter of the country's food waste, so Flashfood targeted that portion exclusively, said Tribe. (The app does not divert food from charities, he added.)

To date, Flashfood has kept more than 13.5 million kilograms of food out of landfills and saved users a collective $90 million.

However, Second Harvest, a charity redistributing unsold items to people in need, estimates that almost 60 per cent or 35.5 million tonnes of food produced in Canada is wasted annually. 

About 32 per cent or 11.2 million tonnes of that lost food is edible and could be redirected to people in need.

"Some people claim this food waste can be solved by downloading an app," said Maria Corradini, the Arrell Chair in Food Quality at the University of Guelph.

"That's probably not true, but of course they can have a contribution to reducing this burden."

She believes better inventory planning and use of artificial intelligence would go even further to addressing food waste.

Too Good To Go's country manager for Canada agrees inventory management is key, but said, "matching supply and demand is very complex" and no restaurant wants to produce less only to find it can't serve late customers.

Too Good To Go mostly deals with restaurants, bakeries, and butchers, but also partners with grocery and convenience stores.

Users of the app, which was founded in Copenhagen in 2016 and expanded to Canada last July, order ahead before fetching items at designated times.

What they pick up is a mystery because businesses sell "surprise bags," and while some offer hints about their contents, others don't.

For example, Italian food purveyor Eataly advertises some $8 bags as having charcuterie ingredients, but McEwan Foods, celebrity chef Mark McEwan's supermarket, shares no clues about its $8 bags.

Toronto bakery Daan Go Cake Lab's bags have featured cake slices or its famous character macarons. Some simply weren't sold that day, but others have cracks or blemishes the bakery's posh clientele wouldn't accept.

Signing up for Too Good To Go was a no-brainer, said chief operating officer James Canedo.

"As chefs, you never want to see food wasted. It's almost sacred for us," he said.

"So many people out there don't have the same privileges, so for food to be wasted, that is something we're trying to prevent."

Corradini lauds those sentiments and said the apps' waste reduction goals are noble, but there are risks.

While some apps only deal with reputable vendors staffed with employees trained in handling food, others like Olio allow anyone to prepare food at home or sell items they can't finish.

"I would never go for something that has been opened because you never know what went on there," Corradini said.

She added that even food from grocers and restaurants should be examined closely before eating and customers should cook, freeze, prepare or consume anything they buy that is due to go off soon very quickly.

Canadians flocking to food rescue apps to reduce grocery bills and waste - BNN Bloomberg


Jan. 28, 2022 "How to save money on your grocery bill amid empty shelves and higher prices": Today I found this article by Sandra Fry on the Financial Post:


As this never-ending pandemic continues to erode our optimism, we now find ourselves facing increased grocery costs as well as many shortages. I cannot recall ever, in my several decades on this Earth, seeing so many empty shelves in the grocery store. With many of our supply chains disrupted and workplaces impacted by Omicron, it’s a wonder there’s any food in the stores at all.

The rising cost of food and the short shelf life of perishables are likely preventing something similar to the infamous 2020 run on toilet paper from happening at the grocery stores today. However, before you get all panicky and think you have to take up extreme couponing as a hobby to get your family the food they need, there are other more reasonable ways to save money at the supermarket.

Prior to heading to the store, take note of what you are throwing away each week. If you find the well-intended bagged salad is not being eaten, stop buying it. 

Maybe it’s some other kind of fruit or vegetable that’s just going from cart to trash. North Americans waste a huge amount of food each year, which can be prevented by admitting we should stop buying certain foods unless we can commit to actually eating them.

Then shop your cupboards, fridge and freezer. Take stock of what you have and make your menu from there. I am bad at forgetting what I’ve stocked away in the freezer. It’s good to have some basic staples on hand should you have to suddenly quarantine, but having enough to survive the zombie apocalypse may be going a bit overboard.

Once you have tallied your food inventory, make your menu based on things you already have on hand. Be sure to include some stews or soups to help use up those sad neglected vegetables that are still good enough to eat if cooked.

Warm comfort dishes are great for winter and an efficient way to use tougher inexpensive cuts of meat. Saved bones from a cooked chicken or ham make wonderfully nourishing broth when simmered for several hours with some onion, celery and carrots. 

If you own a slow cooker, leave it to simmer overnight/all day. That will give you ready-made stock for a fresh homemade soup for dinner, or you can freeze it for future use — just don’t forget it’s there.

Be sure to be realistic when making a menu. Don’t expect that you are going to have the strength to whip up a different gourmet concoction every night. If you cook in larger batches then you will have leftovers that allow you to take a night off cooking. I often plan to have at least one or two choose-your-own-leftover-adventure nights each week. The cook gets to take the night off, and everyone gets to choose something they like.

There are also lots of great meal planning ideas online that call for cooking once and then repurposing the leftovers into something new on the following days. 

For example, a roast can be turned into a quick stir fry with some frozen veggies or fajitas with some sautéed peppers and onions in a tortilla shell. Creative and inexpensive meal planning inspiration is only a few clicks away.

If you find yourself struggling to reduce your grocery costs or even buy enough to feed your family, be sure to review the grocery flyers for sale items each week. There’s nothing wrong with planning your meals based on what is on sale this week.

Many stores will match the sale prices of their competitors, provided you bring the appropriate flyer as proof with you. That means you won’t have to visit five stores looking for deals only to spend your grocery savings on extra gas for your car.

If a large portion of your grocery budget is spent on animal protein, think of adopting meatless menu days as an alternative. There are lots of great protein alternatives such as beans, lentils and tofu that are high in protein and easier on the budget. 

A chili made with beans and some ground meat is still an excellent source of protein. You can even stretch it further by serving it on top of a baked potato, grain or pasta.

Once you’ve created your meal plan, make a list of what you need to buy. Think of every meal. Breakfast and lunch are just as important as suppers. The more trips a person makes to the grocery store, the more they are going to spend on groceries. 

If you can limit shopping to once a week or 10 days, that can help keep your costs down. I don’t think I have ever successfully gone to the store to get some milk and not bought additional items, which is why knowing your food inventory is so important.

One last thing before you head out the door: have a snack. Nothing kills a budget like being hungry while grocery shopping. 

Going early in the morning or later in the evening when it’s less busy will make the experience less stressful and help you avoid panicked purchases.

Also, at the beginning and end of the day is when items such as meats and fruit or vegetables are priced for clearance. It’s an excellent way to save on grocery costs as long as you plan on using or freezing what you buy right away.

Regardless of whether you use any of the tips above, a sure-fire way to help yourself spend less is to shop with cash. You are less likely to exceed your budget and buy things not on your list if you have a limited amount of money with you. 

Spending with cash forges an emotional attachment to where the money is going. If you shop with credit, you might be less emotionally invested in wasting the food than if you physically hand over the cash to make the purchase.

Some careful planning can help save a lot of time and money at the grocery store and reduce how much we waste. Give yourself the flexibility to shuffle your menu around to eat what you feel like within your plan. 

We may not be able to influence the rising cost of food, but we can control how we allocate our resources to get the most out of our grocery budget.

Financial Post

Sandra Fry is a Winnipeg-based credit counsellor at Credit Counselling Society, a non-profit organization that has helped Canadians manage debt for almost 25 years.

How to save money on your grocery bill amid empty shelves and higher prices | Financial Post


This week's theme is about saving money:

"Money just like diet"/ "Wean yourself off yo-yo debt"


Tracy's blog: "Money just like diet"/ "Wean yourself off yo-yo debt" (badcb.blogspot.com)

"What should you spend on groceries?"/ "Grocery savings: here's the only list you'll need"


Tracy's blog: "What should you spend on groceries?"/ "Grocery savings: here's the only list you'll need" (badcb.blogspot.com)


My week:

Thurs. Jan. 27, 2022 Wal- Mart: I had a gift card for this store, and I printed it out and it has the gift card number and pin number.  I went to the store and bought some chips and cookies.  I went to the self- checkout and the sales woman said that this can't be processed because there isn't a bar code to scan.

I went to the cashier and asked if she can type in the numbers, and she needed a barcode.  I had to go on the website.  I went home.  This whole trip of getting there, shopping, and going home was 1 hr.

Fri. Jan. 28, 2022 Snack cakes: I went to the website and went shopping and mainly bought snack cakes like Hostess and Vachon.  It was because I liked Little Debbie's snack cakes from Shoppers Drug Mart, but they stopped selling them because it was only for the holidays.  Snack cakes have really good icing in the cake and on the outside. 

You have to spend at least $35 at Wal- Mart so you can either have them delivered to you on the same day ($10) or the next 2 days ($5) or you can pick it up for free at the store.

I picked it up for free.

Table Topics Daily: I went to 3 of these online events last week.  I met 3 new people.

I also attended Aimcrier Toastmasters meeting and met 8 new people.  The discussion was about how "Home is where the heart is."  Do you agree with that?

I would say so, and you can make any place a home. 

I went to the websites and I see that Toastmasters International all have the same website layout.

https://www.pursuers.org/

https://friendlyachievers.toastmastersclubs.org/


Jan. 30, 2022 "'Martin' star Tisha Campbell says she 'almost got snatched up' by 'traffickers'": Today I found this article by Megan Johnson on Yahoo news:

Actress Tisha Campbell shared on Instagram that she believed she was almost taken by human traffickers. 

Campbell, 53, who rose to fame in the hit '90s sitcom Martin, took to Instagram on Friday to share her experience in a video she originally sent to her brother, and then decided to share with the public.

"Don't freak out, but I think I almost got snatched up," Campbell shared. Dressed in a black Adidas zip-up and a black hat that read "You Go Girl," the star explained in the minute-long video how she found herself in the terrifying situation while on location to film a movie. "They don't have Ubers where I'm filming, so I had to call a taxi. The van that pulls up is real sketchy-looking. There's a guy in the backseat. When he jumps out, the guy is just standing there. He goes, 'get in.'" 

Campbell said she peered into the disheveled van, and noticed the backseat looked like it had been removed, and it was dirty, with various pieces in disarray. "The driver goes, 'get in the car.' I go, 'I'm not getting in the car.' The guy in the back is motioning his body towards me to get in the car." When the man told her to get in the front seat, Campbell responded, "I'm not getting in the f****** car. F*** y'all."

While Campbell did not share where the incident took place, TMZ reported it happened in Brownsville, Texas, about 10 minutes from the Mexican border.

'Martin' star Tisha Campbell says she 'almost got snatched up' by 'traffickers' (yahoo.com)

My opinion: Please be careful about calling a taxi and Uber.  


"'It gave me hope': Art helps Edmonton woman overcome homelessness": Today I found this article by Liam Harrap on CBC news: This is very inspirational about overcoming mental health problems, art therapy, and following your passion.  In this case, art.

I really like the picture where "Madeline LeBlanc takes flight after constructing large paper wings, fashioned from the 903 pages of her medical records":


After getting diagnosed with schizophrenia and living in Edmonton's homeless shelters, it was through art Madeline LeBlanc was able to regain control of her life. 

As a kid, LeBlanc was interested in becoming an artist. However, in high school she was dissuaded as her friends said artists make too little money and made too little difference in the world.

When she was 18, LeBlanc was kicked out of her childhood home. While trying to finish high school and working late nights at an arena, LeBlanc fell ill with psychosis, which was later diagnosed as a symptom of schizophrenia. 

"I started talking to birds and believed I was on a mission to save the world," LeBlanc said. 

Later, while attending the Youth Empowerment Support Services, a shelter in Edmonton, LeBlanc went into its art program. With some encouragement, LeBlanc eventually held an art show at the shelter. 

"That kept my mind active and helped rehabilitate me," she said on CBC Edmonton's Radio Active. 

"It gave me hope." 

She credits the program's artist in residence Allison Tunis helping re-spark her passion. 

'It gave me hope': Art helps Edmonton woman overcome homelessness | CBC News

Jan. 31, 2022 "Watch: Senior confronts alleged shoplifter at a B.C. Walmart": Today I found this. The Video recorder saw a Man/ Shoplifter with his bike and ski mask and towing his cart of unpurchased merchandise.


A Senior woman puts her cart in front of the automatic doors and blocks him and rips off his ski mask.  The Man/ shoplifter gets his bag and bike and leaves.  Last month, this is the same Wal- Mart where a security guard was stabbed for stopping a shoplifter.  

Edmonton News | Watch Local Breaking News (ctvnews.ca)


Feb. 2, 2022 La Brea: I finished watching the first season of this show.

"A massive sinkhole mysteriously opens up in Los Angeles, separating part of a family in an unexplainable primeval world, alongside a desperate group of strangers."

La Brea (TV Series 2021– ) - IMDb

My opinion: When I saw the pilot, I didn't really like it.  However, I recorded the series and watched the show in a couple of weeks when my other favorite shows are on break.  This show was actually pretty good.  There is a pretty good mystery as they try to get back home.

Spoiler alert: They're in 10,000 BC.  They then learn there is a portal where they can go to 1988. 

 Do you want to go to 1988 or stay in 10,000 BC?

Table Topic Dailies: I asked this question last night, and there were only 3 of us.

J (Asian, early 30s) says he would stay in 10,000 BC if my friends and family were there.  Also it seems more interesting.

Ai (Asian, 30s) says she would go to 1988.

My answer: I like the TV show and I would like to live there with these people.  However, I would probably go to 1988.  I remember a old Facebook quiz, about travelling back in time. 

 What is the list of things you would do and in what order?

One of them was "Invest in Google" and "Commit revenge on someone."

I would invest in Google, Apple, etc.


Gratitude: Watching this show did make me be grateful to be in living in 2022.  Also J did ask: Here is a box: what is a really good thing for humanity?

-high speed internet

-technology like computers, tablets, smartphones

-medicine 


Jan. 30, 2022 "Hero toddler alerted his parents that their house was on fire. They had lost their sense of smell to COVID-19 and didn't notice the smoke": Today I found this article by Bethany Dawson on Yahoo news:

Two parents who had lost their sense of smell to COVID-19 couldn't smell the smoke from the fire blazing through their home. Their lives were saved by their two-year-old.

The Washington Post interviewed Kayla and Nathan Dahl, from Alvord, Texas, whose son Brandon woke them up by saying "mama, hot" — two of the only words the toddler knew.

Their smoke alarm had failed, and with the pair suffering from COVID-19 related anosmia, they thought the child needed his pajamas taken off — until they saw the flames.

After Brandon raised the alarm, the family, including five children, escaped their home before it burned to the ground.

"We were still recovering from COVID, so neither of us had our sense of taste and smell," Kayla told The Washington Post in an interview.

The parents told The Post about how Brandon managed to travel through the family living room — which was fully engulfed by flames — and make it through to his parents' room and warn them.

The family plans a party for Brandon to celebrate his heroism, surprising him with a "Baby Shark" cake.

Hero toddler alerted his parents that their house was on fire. They had lost their sense of smell to COVID-19 and didn't notice the smoke. (yahoo.com)


My opinion: That's some good news that the family is safe.  Please check your smoke alarms.

Feb. 3, 2022 "Jazmine was waiting tables at IHOP when one of her customers changed her life":  I found this yesterday:

Rita gives a $40 tip for a $30 meal, and Jazmine is grateful. Rita sets a Cashapp so others could donate to her. There was $6000.
Ellen has Tisbet.org donate $10,000 to Jasmine, and $5000 to a charity of her choice.
Tisbet donates $10,000 to Rita.


Jazmine was waiting tables at IHOP when one of her customers changed her life. #redefinegifting
Jazmine was waiting tables at IHOP when one of her customers changed her life. #redefinegifting

Facebook


"Reporter Tori Yorgey was hit by a car... While she was live on air.":
Reporter Tori Yorgey was hit by a car... While she was live on air.

Facebook

My opinion: She was sideswiped from behind and got up right after that.  Ellen gave her a jacket that lights up so she won't get hit and a 6 day vacation at Beaches resort. 



"What should you spend on groceries?"/ "Grocery savings: here's the only list you'll need"

Jan. 24, 2022: I am passionate about saving money, and preventing food waste.  I like these articles that are helpful for everybody because we all have to buy groceries:



Dec. 1, 2017 "What should you spend on groceries?": Today I found this article by Caroline Cakebread in the Edmonton Journal.  Cakebread is an interesting last name.


If your family is anything like mine, food is one of the biggest line items in the monthly budget — and that doesn’t include takeout or restaurant outings for a bit of a quick respite from the daily grind of meal prep.

Day in, day out, we buy (and eat) a lot of food. According to Statistics Canada, the average Canadian household spends just over $500 a month at the grocery store — depending on where you live, however, that number could be a lot higher. 

One question I get asked a lot is: How much is too much to spend on groceries every month — and is there a guideline to help build a realistic budget?

The Credit Counselling Society, a non-profit debt counselling service in Vancouver, suggests people budget 10 per cent to 20 per cent of gross income at the grocery store. 

So, if you’re bringing home $70,000 a year, your bill should top out between $583 and $1,166 a month. (Note: that figure doesn’t include eating out.)

Depending on how big your family is, it could be challenging to stretch that budget. But there are ways to bring down your grocery bill. All you need is a bit of extra time, a calculator and a few good recipes to pull it all together. 

Make a list — and stick to it: Research from the University of Pennsylvania shows that shopping without a list can increase your grocery bill by 23 per cent due to unplanned purchases.

 A list will help you stay focused and buy only the things you need. 

Add generic brands to your cart: When it comes to your favourite foods, buying generic may not always make the grade. But for some items — medications, garbage bags, cleaning products and spices — going generic is a no-brainer. 

While the price difference might not seem like that much, the savings really add up. By their calculation, bloggers Three Thrifty Guys saved 25 per cent in one shop just by buying generic over brand name. 

Plan your meals: Canadians throw out a stunning amount of food — $31 billion every year or 4.5 kg a week for the average family, depending on which study you read. The food waste adds up to about 20 per cent of the average Canadian grocery bill. 


The key to reducing food waste is not to buy too much — and that’s where meal planning comes in. If you know what you’re going to eat through the week, you can shop accordingly so food doesn’t sit in the fridge uneaten. 

Tote your leftovers for lunch and pick recipes with ingredients that can be used for other meals. 

Go meatless: According to Statistics Canada, the average household spends $1,194 a year on meat such as chicken and beef. Cutting out meat can shave a significant portion off your monthly food bill.



Jan. 22, 2018 "Grocery savings: here's the only list you'll need": I found this article by Gail Vax-Oxlade in the Metro on Jan. 21, 2014:
One of the questions I’m always hearing is, “How much should I be spending on groceries?” I don’t know. How many people are you feeding? Do any of them have special dietary needs? Do you make a lot of money, or are you barely putting food on the table?

There are so many variables involved. People who are determined to eat organic will pay more for their food. People who survive on pasta will pay less. If you’re a big meat or fish eater and only like the best, your grocery bill would stagger the single mom of three making her own pizza at home. 
According to Statistics Canada, the average Canadian family spends $9,630 a year on food, which would work out to be about $185 a week. And that’s just food. It doesn’t include personal care, household cleaning, tobacco, alcohol or lottery tickets — things we often add to our carts.

Here are ways to trim your food costs.

Buy in bulk

Know what stuff costs so that when you see a deal you can buy in bulk. When salmon hits 99¢ a tin, when coffee goes on sale, when toilet paper is a bargain, stock up. It’s not going to spoil, so buy in bulk.

Compare per unit costs

Companies use different sizes for their products, so it’s easy to get confused about which package offers the better deal. Just think of all the different versions of laundry soap out there. Whew! If you don’t calculate the per unit cost, it’s virtually impossible to tell what’s a deal and what isn’t.

Get a rain check


If you go shopping and something you’re looking for that’s been advertised is not in stock, make sure you get a rain check so you extend the sale and get what you wanted at the best possible price.

Shop in less-expensive stores

Do most of your shopping in a discount grocery store. Did you know that you can save up to 30 per cent off your grocery bill just by switching your supermarket? 
Over a year, that’d be over $2,300. That sounds worthwhile, doesn’t it?

Take your own bags

Are you still paying for your grocery bags every time you shop? What’s wrong with you? Why would you build the price of shopping bags into the cost of your food? Make a habit of bringing your own bags and save on each visit.

Look for deals

Cuts of meat at 30 to 50 per cent off are a great way to save. Just take them home and throw them into the freezer.

Reward yourself

Take full advantage of the rewards programs offered by grocery stores to convert food purchases into gifts, travel savings or money off future grocery purchases.

Shop with coupons

Speaking of coupons, collect and use them. You don’t have to be rabid about this, but at least collect coupons for the products you usually buy and use them to save. Improve your odds of saving by visiting sites like
groceryalerts.ca, 
simplyfrugal.ca, 
websaver.ca 
and save.ca 
to check for coupons that match your shopping list.

Get in the groove

Most folks don’t realize that stores don’t drive sales, manufacturers do, and items typically go on sale in 12-week cycles. Smart shoppers keep track of sales cycles to stock up until the next great sale.

Take advantage of price-matching

No one wants to have to drive all over hell’s half-acre to get all the deals in the flyers that come to the door. And you don’t have to do it either. Simply shop at a store with a price-matching policy and you can show any store’s flyer to get the best deal.

Shop with a list

This is the single best way to manage your food budget and not give in to temptation because you see things you want to throw into your cart impulsively. Over and over I’ve assigned the “shop once and with a list” challenge to people on my TV shows and they are amazed by the savings.


"Money just like diet"/ "Wean yourself off yo-yo debt"


Apr. 9, 2019 "Money just like diet": Today I found this article by Elaine Smith in the Star Metro:

Earning a finance degree from a prestigious business program is no guarantee you’ll know how to manage your personal finances. Just ask Ashley Feinstein Gerstley, author of The 30-Day Money Cleanse: take control of your finances, manage your spending, and de-stress your money for good.

“I was a finance major at Wharton (the University of Pennsylvania’s business school), worked in investment banking and corporate finance and still knew nothing about money,” said Feinstein Gerstley.

“It occurred to me that if I didn’t know, who did?”

As she began reading about personal finance and blogging about her own experiences, Feinstein Gerstley found that people were reaching out to her to share their money woes. The 30-Day Money Cleanse grew out of an online course she developed to try to help people create healthier relationships with money.

We asked Feinstein Gerstley about why people have so much trouble handling their own finances — and how they can do better.

Why do you consider money and food to be so similar?

Both money and food are really emotionally charged. It sounds simple to control them: money-in should be greater than money-out; calories-in should be fewer than calories-out. However, if it were that easy, there wouldn’t be a billion-dollar diet industry. We relate to them in similar ways, and they are both things we can’t avoid.


What is an “expense onion?”

When you think about an onion, the outer layers are the first to get really hard and crunchy and fall off; these are comparable to the financial changes that it’s easy to make, such as using transit more often, instead of taking cabs. The inner layers are those financial behaviours and habits that are tougher to peel away.

The idea is not to force new behaviours or to be too restrictive in a new spending plan. Start with the crunchy, easy layers and as you progress through your money journal, other layers will become crunchy and you will be left with things that make your life more rewarding and fuller.


Why are the words we use to talk about money so important?

The language we use in talking about money affects our mindset. We need to reframe the talk around personal finance so people stop viewing budgeting as something painful that they should do. Instead, I want them to see it as an experience of self-love, one that will allow them to leave undesirable situations and take risks in their careers.

We need to be careful with the language we use, because it helps create the relationship we have with money. Think about cutting versus letting go; the former implies that the money is being pried from your hands; the latter indicates that it’s your choice to stop spending it.

Speaking of language, what is a “happiness allocation?”

It’s a much more fitting term to describe an annual budget, or a spending plan, because it is all about allocating your money in a way that makes you truly happy — getting the maximum joy per dollar spent. 

It allows you to see what’s available for your short- and long-term goals. When you don’t look at the annual picture, you miss out on the larger impact of regular expenses and on the money you spend for occasions that don’t happen regularly, such as holidays, weddings and trips.

I’ve always spent money to have a good time. Why do you think frugal joys will make me happy?

Frugal joys are free or inexpensive things that make you really happy. You don’t have to replace the things you love with frugal joys; you can simply add more joy to your life without adding expenses.

They are also great tools if you want to replace expenses, since it means you won’t have to give up joy if you spend less. Test out a few each week; preferences are very individual, so see which ones work for you. I offer 100 examples, such as exploring a new neighbourhood, playing with a puppy and reading a really good book.


I’m not very disciplined with money, so will this 30-day cleanse actually work for me?

Self-discipline doesn’t work with food and money; I find that we rebel against it. This is all about gifting yourself and understanding that how you treat yourself now is at the expense of what you really want. It’s a reframing, so you’re not battling yourself to get what you want. It’s a beautifully designed, colourful way to improve.

It’s about helping you achieve your important goals, rather than becoming prey to marketing about what you should want. 

It doesn’t matter who you are now around money; you can always get better.


https://www.thestar.com/life/advice/2019/04/09/personal-finance-expert-says-a-30-day-money-cleanse-can-help-change-bad-spending-habits.html


Sept. 30, 2017 "Wean yourself off yo-yo debt": Today I found this article by Liz Weston in the Edmonton Journal:


Americans' debt loads, like our waistlines, tend to expand as we approach middle age and then gradually diminish as we get older.

Some people, though, are yo-yo debtors, fighting an ongoing up-and-down battle with debt.

They pay it off, or come close, only to find themselves battling bills once again. But there are ways to break that cycle.

By age 21, Chris Browning of Long Beach, California, had accumulated $5,000 in credit card debt — mostly from eating out and trying to impress his then-girlfriend, who is now his wife.

"I guess it worked," says Browning, an accountant.

After several failed attempts, Browning, 30, made and stuck to a budget. He cut back on expensive meals, looked for free entertainment and slowly paid down the balances until he was debt-free four years later in April 2012.

That didn't last. As the couple prepared for their wedding that November, debt crept back in.

"By October 2012, we had over $14,000 in credit card debt. Then from there things just snowballed," Browning says. "Between finding a new place to live, school costs, medical bills and just poor decisions, our debt grew to just under $27,000 by November of 2014."

LOOK BEYOND DEBT TO OTHER SIGNS

The vast majority of American households — roughly eight out of 10 — carry at least some debt during their working years, according to the Federal Reserve's Survey of Consumer Finances.

The median amount owed peaks when the head of household is between the ages of 45 and 54 and diminishes afterward. 

The mix tends to change, with younger households more likely to have student loans and older households more likely to have mortgages and credit card balances. More than a third of households headed by people under 55 also have auto loans.

Owing money isn't necessarily a crisis unless you consistently live beyond your means,
 putting you at risk of bankruptcy or a lower standard of living. 

Signs you're doing that include:

—Your debt payments, including mortgage or rent, eat up more than 40 percent of your gross income.

—You're struggling to make minimum payments.

—Your net worth — what you own versus what you owe — is shrinking rather than growing over time.

—Your debt prevents you from saving for important goals, including retirement and emergencies.

Not having savings also can contribute to the yo-yo phenomenon, where people pay off debt only to face a big unexpected expense or job loss that causes them to reach for credit cards again.

SHED DEBT SLOWLY, STEADILY

Careening back into debt can be deeply discouraging and stressful. That's why debt experts, like weight-loss experts, recommend a slower, steadier approach to vanquishing debt . Among the most important principles:

—Don't be in a rush to pay off low-rate mortgages and student loans. Focus first on toxic debt, such as credit cards, that erodes your financial security.

—Make saving a priority even as you're repaying debt. That means having at least a $500 emergency fund and contributing enough to get the full company match for any workplace retirement accounts.

—Aim to make lasting changes in the way you spend instead of trying quick fixes.

LIFESTYLE CHANGES MATTER

Browning and his wife, Vina Gainer, 29, tackled their debt from both ends: by cutting their spending and increasing their $60,000 household income.

Browning found a job that paid $1,200 more a month and experimented with a few side gigs, such as selling stuff on eBay and delivering food for DoorDash. 

Gainer, a college student who works in her mother's day care center, started doing her own hair and shopping at thrift stores rather than the mall. 

The couple also devoted time to planning — and discussing — how they spent money.

"We weren't really talking about what we were spending. We just spent it," Browning says.

Both say the lifestyle changes were hard at first, and Browning says it helped him to seek out other people who were paying off debt, in real life and online, for support.

"I think you can forgive yourself a little more when you realize that you are not the only one that has made mistakes and that there are others who have accomplished what you hope to," Browning says.

The couple paid off their last credit card bill in February and they are on track to have a six-month emergency fund by the end of the year.

Being in debt "was just too stressful," Browning says. "I don't ever want to go back to that place."

This column was provided to The Associated Press by the personal finance website NerdWallet .

https://www.cnbc.com/2017/09/25/the-associated-press-liz-weston-are-you-a-yo-yo-debtor-ways-to-break-that-cycle.html