Estimated studying time: 21 minutes
Get a complete recap of our February 2025 funds replace. Learn the way we fared in our spending targets and plans for staying on track the subsequent month.
I’ll present you what a very good funds is for a month should you give me a little bit of your time.
Earlier than we start, the Free 2025 51-page Price range Binder is prepared for obtain!
Why I Share Our Month-to-month Price range
For anybody new to CBB, this briefly explains our month-to-month funds replace.
First off, should you’re an individual who needs to discover ways to create a month-to-month funds, you’ve come to the correct house.
Budgeting places you in control of your cash, that means you’re the boss.
That’s a giant position to fill if you wish to hold your organization afloat.
I stay up for placing this publish collectively because it lets us see the place we spend our cash.
A funds additionally acts as a diary on your bills so you possibly can look again to see success and failure.
Our funds replace additionally lets readers know that we’re not excellent and should make modifications like everybody else.
We use the instruments (Free funds Binder), and I hope you could have downloaded your free copy.
Alright, let’s get into this.
February 2025 Family Percentages
Financial savings of 47.40% embody investments and financial savings based mostly on our web revenue.
Our life ratio is 27.05% and comprises every little thing from groceries, leisure, miscellaneous objects, well being/magnificence, clothes, and so forth., all variable bills.
Transportation is 3.93%, which covers our automobile’s fuel, insurance coverage, and upkeep, and it holds no debt.
Our home and automobile are paid for, and we’ve got zero different debt; nonetheless, we nonetheless pay property taxes and upkeep charges.
The projected bills of 10.40% can change based mostly on what we encounter month-to-month, resembling a brand new merchandise we have to save for.
February 2025 Price range Estimation and Precise Price range
Beneath are two tables: the December 2024 Price range and our Precise Price range.
Our February 2025 funds represents two adults and a 10-year-old boy.
Price range Color Key: It’s a projected expense when highlighted in blue.
Since Might 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 simplest strategy to repay our debt and get monetary savings.
Such a funds is a zero-based funds the place all the cash has a house.
Estimated February 2025 Price range
For February, the estimated funds was $; we used $, going over funds by $. The overage is principally within the birthday and Christmas funds classes.
We might not want all the cash we budgeted for in every class; nonetheless, keep in mind the quantity is barely an estimate from the earlier yr.
Don’t neglect to funds for projected bills as a result of your complete month can fail attributable to not planning.
Precise February 2025 Price range
Present Canadian Banks We Use
February 2025 Price range Yr-To-Date
Month To Month Price range January-February 2025
Our emergency financial savings decreased by 15.74%, which primarily got here from investments.
All the time anticipate to see modifications from month to month, as that’s regular since cash is being spent and, in some circumstances, greater than anticipated.
General, our web revenue went down primarily attributable to further revenue earned in January.
Breakdown Of Our February 2025 Price range Classes
Beneath are a few of our variable bills from February 2025 that I’ll focus on.
Groceries
Discover all the web groceries we buy within the CBB Amazon Storefront.
Our month-to-month grocery funds is $960 plus a $25 stockpile funds; we spent $1614.37 in February.
Our operating whole as of February 2025 is $2732.36 for 2 adults and one baby.
In 2024, our grocery funds was $900 month-to-month, however with worth will increase, we calculated an additional $60 month-to-month or $720 yearly.
We’ve since modified a part of our weight loss plan, including higher-protein meals and a low-carb/keto life-style.
Since we began monitoring our grocery purchasing in 2012 on this weblog, we’ve all the time carried any overspending to the next month.
In December, I shared a weblog publish about our upcoming 2025 Meals Price range Problem and was searching for followers who wished to affix us.
At present, we’ve got three CBB readers taking part within the problem.
I full a Grocery replace every month so you possibly can comply with alongside to see how the three CBB followers are doing with their meals funds problem.
For February 2025 we have been speculated to have a grocery funds of $801.91 since we overspent in January by $158.09. (we failed miserably)
Sadly, February was not the month to attempt to meet up with the overspend as we went over once more.
Sorts Of Groceries We Purchased
In February we might have gone overboard shopping for groceries nonetheless we would have liked a significant stockup.
The 2 grocery shops we store on the most are Zehrs and Meals Fundamentals
From studying the receipts, we stocked up on grass-fed beef and butter that was on sale together with Krisda sugar-free chocolate chips, which weren’t.
Sadly, Krisda is struggling to get merchandise on the cabinets, so we stocked up.
Costco And Our Grocery Price range
We anticipate a visit to Costco in April or early Might, which could put us over the grocery funds.
I wrote a publish about typical merchandise we purchase from Costco, which I replace as I discover new merchandise so as to add.
Costco Haul February 2025
Since so lots of you emailed me since you wished to see what we purchase at Costco, under is a duplicate of our receipt so you possibly can see our purchases for February 2025.
A few objects have been new to our purchasing cart, such because the Turkey Jerky, Grenade, and Match Professional protein bars.
You’ll discover that we spent $179.88 on prompt espresso which is able to do us for the yr perhaps a bit much less.
For those who see objects the place you are feeling we might save extra outdoors of Costco, please tell us your technique.
February 2025 Grocery Meals Financial savings Jar
In 2024, we saved $1,712.87 utilizing coupons and shopping for decreased merchandise at native grocery shops.
To this point, we’ve saved $401.63, which we’ve got stored in our high-interest financial savings account.
All through 2025, we plan to trace our financial savings, which embody the next;
For those who’d like a duplicate of the Grocery Financial savings Jar, you will discover it on the Free Assets web page.
Our Flashfood Orders February 2025
For 2024, utilizing the Flashfood App saved our household $992.60!
Combining the Flashfood financial savings with our grocery financial savings jar, we saved $2705.47 in 2024.
We are going to proceed to make use of Flashfood as we save a lot cash, so please think about signing up utilizing my affiliate code under.
As I do, you get $5 free if you place your first order. It’s a win-win for each of us.
Each one that indicators up will get a $5 credit score, a freebie Flashfood affords for brand spanking new app clients.
Additionally, Flashfood has added a small service charge to each order, which I really feel is appropriate.
Use my referral code, MOCD28ZN4, for a $5 credit score.
Your first buy have to be over $15.
My birthday was in February and Zehrs had these profitable offers on the Flashfood app that we might have celebrated a couple of occasions. Ha!
General, the desserts have been respectable and nothing went to waste, simply to my waist. It’s a very good factor I exercise 7 days every week.
Every time natural milk reveals up on Flashfood, we attempt to scoop up as many 4L luggage as we are able to. All of it goes into the freezer, and we take a bag out to defrost as wanted.
Well being and Magnificence
Our funds for the month is $485 nonetheless we went over spending $689.43 as we stocked up on nutritional vitamins, and different magnificence merchandise for you understand who, (not me, ha).
Though we do store on Amazon, if there’s a 20x factors occasion at Consumers Drug Mart and merchandise we use on sale, we pair them collectively.
Usually this may imply we go over funds nonetheless we’re receiving PC Optimum Factors again.
We not often purchase something that’s full worth until we want it or the product doesn’t go on sale.
Most objects bought from Amazon have been nutritional vitamins and haircare each for Mrs. CBB.
Car Upkeep and Restore
Our CAA membership renewed in February for one more yr which we’ve bought for the previous 20 years.
I had to make use of it as soon as a few years in the past when a pricey hit my truck and destroyed the windshield, inside and entrance finish.
Pet Bills
In February, we spent $339.29 of the $350 pet funds primarily on cat meals and litter.
Nonetheless, we did go to the pet retailer to purchase two luggage of Farmina dry cat meals.
They’re dear however high-end meals for the cats, which we want to present them, and we settle for they price extra.
Moreover Amazon, we’ve got been buying on-line from Chewy Canada, which arrives two days after ordering.
Plus, you get 20% off your first three orders, which is wonderful since their costs are aggressive.
I’ll write a Chewy Canada evaluation in 2025, as we’ve positioned about 9 orders and really feel we’ve got stable info to inform our readers about.
Prolonged Healthcare Bills
My advantages cowl as much as $2500 in dental at 100%, $500 in eyewear each two years, and $4500 in therapies at 85%.
For 2025, we predict to incur bills within the prolonged healthcare funds class for the next companies;
- Occupational Remedy
- Speech Remedy
- Dentist
- Eyewear
- Therapeutic massage (if I’m fortunate)
Canadian Tire Rewards Factors
Our Canadian Tire Triangle Rewards card is incredible; I can earn a refund shortly.
My February 2025 Triangle rewards are value $361.95, which I can use in the direction of any buy.
When my CT cash steadiness will increase, you understand I’ve been spending cash and benefiting from flyer gross sales on 20x the factors days.
All the time activate your Triangle Rewards to get the most effective bang on your buck on the many shops Triangle Rewards affords.
I’ve but to write down a Canadian Tire Mastercard weblog evaluation, but it surely’s within the making as my second favourite bank card.
Search for a CT bank card evaluation in 2025.
Canadians Who Store On-line Use Rakuten
Do it should you order something on-line and haven’t subscribed to Rakuten Canada.
Not solely do you get $30 money free from Rakuten if you use the CBB hyperlink, however you additionally get money again from hundreds of on-line shops.
You could have 90 days from signing up to make use of Rakuten for a web-based buy earlier than receiving the $30.
Learn my full evaluation of Rakuten Canada in case you are nonetheless unconvinced.
We commonly obtain cheques within the mail from Rakuten.
Above is a photograph of our present Rakuten money again earnings for 2025 is $11.69 which can not seeem like heaps but it surely’s higher than incomes nothing.
I imply, we have been purchasing on-line anyway, so why not earn cashback with the press of a button?
PC Optimum Rewards Factors February 2025
Since 2018, we’ve got earned over 9 Million PC Optimum Factors or $9000.
We began 2024 with beneath 7 million PC Optimum Factors, presently have $7,945,108 and are working in the direction of $8000 in 2025.
Ultimately, we are going to use factors to do a redemption, however we haven’t been compelled to take action like years earlier.
What would you redeem our factors for to get the most effective return on funding?
How We Saved So Many PC Optimum Factors
Beneath are weblog posts for anybody desirous to study how we earn PC Optimum Factors.
Store Factors
The Store Money is a rewards program that’s obtainable to Store app customers in the US and Canada on eligible purchases.
Moi Rewards
We earned no Moi factors in February, however hopefully, we are going to see some motion in 2025.
For each 500 factors earned, shopping for merchandise with Moi factors equals $4.
I’m within the strategy of writing a evaluation of the Moi app, however I wished to expertise this system for a couple of months.
I’ll be sharing our ongoing rewards progress right here every month in 2025.
TD Rewards Credit score Card February 2025
Our TD Visa has a cash-back steadiness of $43.38 as of February 2025, which is fairly good since I cashed out $500 in October 2024.
This bank card just isn’t the most effective for reward factors, because it took me years to earn $500.
We solely use this account for on-line purchases from Amazon, PayPal, Store and Shopify.
The bank card has a $5000 restrict, though we initially began with solely $500.
Dream Air Miles Replace
Most factors are from our home and automobile insurance coverage, which affords Air Miles.
There was some extent 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 greatest for us.
I’m making it my mission for 2025 to study as a lot as doable concerning the Air Miles program and would love some suggestions from any passionate collectors.
There’s an Air Miles receipts program that I need to study.
For those who take part, I’d love to listen to extra of your suggestions.
Remark under and inform me what you understand.
February 2025 CBB Web Price Replace
General CBB February 2025 Price range + Web Price Replace
I’ve had a couple of individuals e-mail me about our mortgage and why we don’t have one within the chart.
After buying our dwelling in 2009, we paid it in full by 2014, which was not straightforward, however we did it.
Our present market dwelling worth is roughly $988,000, and we purchased the house for $265,000 in 2009.
We select to not add our dwelling worth into the online value replace because it doesn’t make a distinction since we reside within the dwelling.
In February 2025, our web value elevated by $14,107.67, or 0.76%, though should you take a look at the chart, our retirement investments nose-dived by $7387.88.
With the state of the Canadian financial system, and the tarriffs Donald Trump has applied I’m not sure what’s going to occur within the coming months.
We live in a time the place Canadians have to carry on to hope, particularly these retiring quickly that their funding financial savings don’t tank.
Our son now has a Registered Incapacity Financial savings Plan, in which we positioned $5000 to get the federal government to pay again to the date of his autism prognosis.
I’ll write a weblog publish concerning the course of we went by means of for Mrs. CBB and our son if anybody needs to study extra about our expertise.
Remark under and ask me any questions you’d like me to handle within the publish.
2025 Meals Challenger Updates
Beneath are two Canadian Price range Binder followers who’re taking part in sharing their grocery funds and bills with everybody for the yr.
The objective of the 2025 Meals Price range Problem to see if they will stick with their grocery funds and see how a lot they will save in 2025.
As you understand groceries are very costly in Canada in the intervening time and to get the most effective bang on your funds planning is important.
Let’s see how they did in February.
Meals Price range Challenger #1
Hello Mr. CBB,
I’m feeding a household of two adults and reside in Ontario.
In 2025, we’d like to perform these targets…
• Pay down debt
• Minimize down on pointless purchasing
Our month-to-month grocery funds is $400.00
Usually, we grocery store on the following shops – Wholesale Membership, No Frills and Brady’s Meat.
In February, we saved $141.74 utilizing flyer gross sales and never shopping for what we don’t want.
Signed,
Grumpy Grocery Shopper X 2
| Date | Class | Debit | Retailer |
| Feb 1 2025 | Meals | 8.98 | Wholesale Membership |
| Feb 1 2025 | Meals | 51.48 | No Frills |
| Feb 5 2025 | Meals | 9.00 | No Frills |
| Feb 8 2025 | Meals | 8.98 | Wholesale Membership |
| Feb 8 2025 | Meals | 57.10 | No Frills |
| Feb 8 2025 | Meals | 4.98 | RCSS |
| Feb 14 2025 | Meals | 16.68 | Brady’s Meats |
| Feb 14 2025 | Meals | 34.56 | No Frills |
| Feb 22 2025 | Meals | 8.98 | Wholesale Membership |
| Feb 22 2025 | Meals | 57.52 | No Frills |
Meals Price range Challenger #2
Hello Mr. CBB,
I’m feeding a household of 4 (2 adults and a couple of youngsters aged 4 and 6) and reside in Ontario.
In 2025, we’d like to avoid wasting as a lot cash as we are able to to place in the direction of our mortgage as we’re up for renewal in June 2026.
Our month-to-month grocery funds is $ 800 ideally.
We do eat out so I want to have a mixed meals funds for restaurant and grocery for 1000 monthly.
Usually, we grocery store at Large Tiger, Impartial, Consumers and typically Foodland however not typically.
In February, we saved $81.02 with PC factors, I additionally deposited a cheque from checkout 51 for $45.03 that went in the direction of our grocery funds.
We have now signed up for a meat supply service which is dearer however excellent high quality meat.
We’re actually liking odd bunch however want to verify all the produce will get eaten earlier than it goes dangerous..
We spent $998.76 on the grocery retailer and $280.29 in eating places this month; nonetheless, this contains over $100 {dollars} in diapers/pull-ups as a result of we bought $20 in factors again andpull-ups $100 in over-the-counter medicine prices.
For February we’re over funds by 279.05 however factoring in these different prices we nearly made it on funds for groceries.
General Ideas
What I discovered about grocery purchasing this month is to look intently at PC Optimum affords.
I bought some actually good offers from my PC app, which allowed me many. For instance, no-name cheese was capable of get PC affords for spending over $25 within the cheese division, in addition to spending on no-name affords and a particular weekly supply for no-name factors.
No Identify Cheese had PC affords for spending over $25 within the cheese division in addition to spending on no title of greeters and a particular weekly supply for No Identify Cheese.
By shopping for 3 massive 700g blocks of cheese, I earned all these affords in a single transaction and ended up getting round $8 in PC factors making certainly one of these blocks of cheese free.
I additionally examine instagram for Residing on a Loonie and the Coupon Couple earlier than making my checklist so I can see if there are any wonderful offers on issues I might usually purchase.
| 6 | Feb 1 | IND | 46.31 | |
| Feb 1 | GT | 54.29 | ||
| Feb 6 | checkout 51 | -45.03 | ||
| Feb 7 | Foodland | 35.94 | ||
| Feb 8 | Consumers | 89.52 | 23.93 pts | |
| 181.03 | ||||
| 7 | Feb 13 | meat | 302.56 | |
| Feb 15 | IND | 103.13 | 10 pts | |
| Feb 15 | GT | 65.5 | ||
| Feb 15 | sobeys | 30.78 | ||
| Feb 15 | dollarama | 10.78 | ||
| 512.75 | ||||
| 8 | Feb 18 | odd bunch | 23.99 | |
| Feb 18 | macewans | 4.29 | ||
| Feb 21 | buyers | 14.99 | 0.19 pts | |
| 43.27 | ||||
| 9 | Feb 24 | IND | 193.99 | 46.90 pts |
| Feb 24 | GT | 43.73 | ||
| Feb 26 | oddbunch | 23.99 | ||
| 261.71 | 81.02 |
CBB Meals Challenger #3
Hello Mr. CBB,
I’m feeding a household of three adults and reside in Southwestern Ontario.
We’re paying down final yr’s overspend with the additional cash we don’t spend on groceries this yr.
We nonetheless owe for overspend this yr however will sort out that when final yr is paid off (quickly).
Our month-to-month grocery funds is $ 800.00 (final yr was $600.00 a month)
We spent $1726.95 for the month however there have been issues we usually don’t spend cash on. Costco journey was $137.80(as soon as a month is a Costco store) & ¼ beef which was $1090.00.
On my meal plan for the month, I used so much from the freezer & cabinet once more.
We had burgers, wraps with leftover hen, meatloaf & veggies, potatoes, hen thighs.
Consuming out included pizza which, we paid for.
About 99% of the time we store at No Frills (it’s in our city & we are able to worth match)
In February, we saved fairly a bit utilizing flyer gross sales & price-matching.
I didn’t work out what we saved.
About grocery purchasing this month is that we didn’t have to purchase any meat as we’ve got a freezer full so it was simply contemporary fruits & veggies & something wanted.
Signed,
Tracy