Last month, I had the chance to sit down with Canada’s self-proclaimed ‘money-honey’, Gail Vaz-Oxlade, to chat saving made simple with a handful of P&G Mom Bloggers.

To help Canadians overcome financial anxiety, Gail launched ‘Use Your Common Cents Day’ that was celebrated on November 4th to educate Canadians on better budgeting and financial literacy. November is Financial Literacy Month, and Gail is hoping by the introduction of Use Your Common Cents Day that it will empower Canadians to use their common sense when it comes to everyday spending.

PG_CommonCents_Logo

Let’s face it – with the holiday season looming over us, many Canadians are feeling the inevitable burden of bills and the need to save. In Fact, 1 in 3 (31%)  Canadians identify November as being a month their budgets get derailed due to unforeseen holiday spending.

Here are Gail Vaz Oxlade’s 6 tips for using your common cents.

  1. Do a spending analysis.  Go through the past 6 months of spending and analyze how you spent your money on things for your house, food, entertainment, utilities, etc. Spending time analyzing how and where your money went is a great way to help you understand and pinpoint your areas of overspending.
  2. Use Common Cents comparisons.  Aim to shop smart and look for products that will stretch your dollar. Be aware that buying no name products doesn’t necessarily mean you are saving money. It could in fact mean you are spending more.
  3. Plan your purchases and stick with your budget. Before heading out to the store plan for your shopping trip. By writing lists you avoid impulse purchases. Another way to avoid overspending is to bring cash to the store, and not use your credit cards. That way when your money is gone, you’re done shopping.“If you shop without a list you are letting the impulse monkey whisper in your ear!” – Gail Vaz Oxlade
  4. Common Cents Couponing. Common Cents couponing can equal cash. Use sites such as savingsimple.ca, Flipp, and Checkout 51 to locate deals and clip coupons for common products you purchase and love. Flyers are also useful for finding great deals, and can also be used for price matching.
  5. Save your savings. It is that simple. Too often people don’t save their savings, but rather find other ways to spend it. Set your savings aside. Put them in a jar or add them to a high interest savings account, and watch your savings grow.
  6. Don’t be a money moron. Be conscious of what you are doing with your money. Continue to be mindful of your money and work towards a common savings goal. It is always empowering to work towards a savings goal because you aren’t wasting your money, but rather are self-aware that you are “doing this”. Remember – every choice you make when spending your money is a choice your make. Make good choices.

Visit http://www.savingmadesimple.ca for helpful tips and advice from Gail on how to gear-up for successful savings.  You can also join over 1 million Canadians and register to have access to print-at-home coupons on top brands, exclusive samples and daily inspiration every day of the year!

To celebrate Financial Literacy Month, we have a Common Cents Prize Pack to giveaway to one lucky reader. This prize pack includes:

* This giveaway ends on December 7, 2014 at 11:59PM EST. Giveaway is open to residents of Canada only (excluding Quebec).

Disclosure: By entering the following contest you are accepting that if you win your contact information will be shared with a P&G PR and shipping agency for the purpose of mailing your prize. Please allow 4-6 weeks from the contest closure date to receive your prize.

This giveaway may appear on other blogs as part of the #PGmom program. However, to be fair, you can only win once per giveaway. If your name is chosen more than once, another winner will be selected. All winners must be from within Canada. Please note giveaways are only open to Canadian residents, excluding Quebec, and will not be sent out of the country.

107 Comments on 6 Tips for Using Your Common “Cents”

  1. Jeannie
    November 11, 2014 at 9:20 pm (3 years ago)

    I like using coupons with sale items or price matching. Best way to get the most for your money.

    Reply
  2. Melissa Esler
    November 11, 2014 at 9:25 pm (3 years ago)

    Couponing/price matching. Trying to go to stores that aren’t the most expensive

    Reply
  3. Lynda Cook
    November 11, 2014 at 9:30 pm (3 years ago)

    I am always forgetting my coupons, so thank goodness for the app Flipp. I love using that app. for ad matching

    Reply
  4. Athena
    November 11, 2014 at 9:44 pm (3 years ago)

    Ad match and use coupons (I have a coupon book I organized)

    Reply
  5. Tara
    November 11, 2014 at 10:35 pm (3 years ago)

    I use my PC MasterCard for groceries and other items, then pay it off right away. The MasterCard combined with the PC Plus program means free groceries. I save the points and only spend them during my lower income months. I also use Flipp for price matching.

    Reply
  6. Dayna Wilson
    November 11, 2014 at 10:55 pm (3 years ago)

    I use coupons and the Flipp app, and I meal plan

    Reply
  7. Lisa Neutel
    November 12, 2014 at 7:38 am (3 years ago)

    I love using coupons and the flip app helps me find all the deals so I can ad match and pay less

    Reply
  8. Pam
    November 12, 2014 at 7:45 am (3 years ago)

    One of the easiest ways to save money is meal planning. When you follow the plan you are less likely to eat out, buy too much and waste

    Reply
  9. Tricia Cooper
    November 12, 2014 at 10:40 am (3 years ago)

    I watch for items to go on sale as well as price matching and then use my coupons.

    Reply
  10. Judy Cowan
    November 12, 2014 at 12:28 pm (3 years ago)

    Definitely using coupons and price matching! Also meal planning to help eliminate wasting food.

    Reply
  11. Anne Taylor
    November 12, 2014 at 1:01 pm (3 years ago)

    I always keep an eye on flyers, I collect coupons and also shop markdowns!

    Reply
  12. SueSueper
    November 12, 2014 at 1:08 pm (3 years ago)

    When meats go on sale buy enough for a few weeks and stick them in the freezer.

    Reply
  13. Dream24
    November 12, 2014 at 1:13 pm (3 years ago)

    Coupons and price matching are awesome! I follow “Save your savings” method, I always try to make sure I save certain $ from each paycheck.

    Reply
  14. Jonnie
    November 12, 2014 at 1:47 pm (3 years ago)

    I find the best way to save money is to stay out of the stores. I make a meal plan and shop once a week so I am only in the stores once a week. Before I meal planned, I would run to the store 3 or 4 times a week and each time I would end up making tons of impulse purchases and my grocery bill was huge by the end of the month.

    Reply
  15. Jenny
    November 12, 2014 at 1:52 pm (3 years ago)

    price matching

    Reply
  16. Stephanie LaPlante
    November 12, 2014 at 2:41 pm (3 years ago)

    My tip is to make a savings account that’s hard to access and make a needs vs wants list before buying anything.

    Reply
  17. Glogirl
    November 12, 2014 at 3:14 pm (3 years ago)

    My money saving tip is to use coupons with sale items to maximize your savings. You can sometimes get free items this way.

    Reply
  18. elaing8
    November 12, 2014 at 3:53 pm (3 years ago)

    I have a couple of stores close by so I price compare their specials in their flyers,I use coupons and make a list and stick to it.

    Reply
  19. lori b
    November 12, 2014 at 3:59 pm (3 years ago)

    i coupon

    Reply
  20. l p
    November 12, 2014 at 4:47 pm (3 years ago)

    use coupons, purchase when on sale

    Reply
  21. suzi
    November 12, 2014 at 9:59 pm (3 years ago)

    I combine price matching with coupons and also get deals like that for my parents and my brother’s family because then we can all save!

    Reply
  22. Victoria Ess
    November 13, 2014 at 8:11 am (3 years ago)

    Plan your purchases and stick with your budget is a tip that I use most. Impulse shopping is my biggest weakness.

    Reply
  23. Angie Andrews
    November 13, 2014 at 2:15 pm (3 years ago)

    I price match and use coupons for groceries

    Reply
  24. martina
    November 14, 2014 at 7:27 am (3 years ago)

    Price match and coupons

    Reply
  25. Lori Bazan
    November 14, 2014 at 8:45 am (3 years ago)

    When I shop I always first review flyers, pack some flyers in purse for price match, only use coupons I will use and take cash to avoid overspending!

    Reply
  26. Amy C
    November 14, 2014 at 6:12 pm (3 years ago)

    I watch the flyers, price match and use coupons.

    Reply
  27. Jenny
    November 14, 2014 at 6:35 pm (3 years ago)

    Make lists and keep an eye on the flyers! Coupons always help too

    Reply
  28. Erin McSweeney
    November 14, 2014 at 9:58 pm (3 years ago)

    price match for those items that you will be using, and buy in multiple quantities.

    Reply
  29. Suzie M
    November 15, 2014 at 2:23 pm (3 years ago)

    I use coupons & always check the flyers

    Reply
  30. Tina L.
    November 15, 2014 at 3:22 pm (3 years ago)

    I like to use coupons and buy things on sale.

    Reply
  31. Sean McKnight
    November 15, 2014 at 9:56 pm (3 years ago)

    Use cash or debit for your purchases

    Reply
  32. Andrew P
    November 15, 2014 at 11:15 pm (3 years ago)

    Use coupons and price match other stores. Buy cheap sale items in bulk if possible

    Reply
  33. Kristi Renout
    November 16, 2014 at 4:51 pm (3 years ago)

    I try to match up sales with coupons.

    Reply
  34. Angie
    November 16, 2014 at 10:19 pm (3 years ago)

    I use coupons when I can, meal plan to minimize wasted food, and I price match.

    Reply
  35. MrDisco
    November 16, 2014 at 10:53 pm (3 years ago)

    my go to method is to use cashback apps like checkout 51

    Reply
  36. J
    November 16, 2014 at 11:49 pm (3 years ago)

    Some flyers are released online by sites before you get them on paper. So take advantage of the internet or an app and get on deals early and be prepared before the items run out in store.

    Reply
  37. maria
    November 17, 2014 at 8:13 pm (3 years ago)

    Buy when on sale and comparison shop!

    Reply
  38. Holly Messana
    November 18, 2014 at 1:28 pm (3 years ago)

    I always stock up on non perishable items when they come on sale. With four kids we go through a lot of stuff quickly.

    Reply
  39. Louise Gilbert
    November 18, 2014 at 3:12 pm (3 years ago)

    Use cash or debit for your purchases and Couponing/price matching

    Reply
  40. Kristine Ewald
    November 18, 2014 at 3:33 pm (3 years ago)

    Have an emergency fund 🙂

    Reply
  41. Wayne Lecoy
    November 18, 2014 at 5:31 pm (3 years ago)

    I am entering your giveaway.
    It would be great to win this P&G Common Cents Prize Pack.
    In response to your questions of What are some of your go-to money saving tips?
    Have you found any Common Cents methods that work best for you?
    I use cash or debit for my purchases and i try to use Coupons whenever i can.
    Thank you for having this giveaway!!!!!!!!!!

    Reply
  42. Suzanne G
    November 18, 2014 at 6:02 pm (3 years ago)

    I use as many coupons as I can. I only go down the aisles I need to at a grocery store because if I don’t see it I won’t want it.

    Reply
  43. Florence C
    November 18, 2014 at 6:24 pm (3 years ago)

    I save coupons and stock up on sale items.

    Reply
  44. Viv Sluys
    November 18, 2014 at 6:51 pm (3 years ago)

    Knowing sale cycles and the regular prices helps me to shop smart every day

    Reply
  45. jan
    November 18, 2014 at 7:37 pm (3 years ago)

    almost everything comes on sale so I never pay full price for everyday items or clothing

    Reply
  46. 409cope
    November 18, 2014 at 7:57 pm (3 years ago)

    I tend to shop around for the sales and stock up on sale items.

    Reply
  47. Karla Sceviour
    November 18, 2014 at 8:06 pm (3 years ago)

    I always try to use coupons,and check flyers and sales before grocery shopping,and never use credit!

    Reply
  48. Silvia D
    November 18, 2014 at 10:43 pm (3 years ago)

    I price check , flyers and use coupons. Plan your purchases and stick with your budget is what i try to adhere to!

    Reply
  49. heidi c.
    November 18, 2014 at 10:52 pm (3 years ago)

    Review the flyers, use coupons, price match & try to stick to your pre-made list.

    Reply
  50. Sunshine G
    November 18, 2014 at 11:28 pm (3 years ago)

    We take the money from the bottles and cans we return and transfer it into our daughter’s RESP.

    Reply
  51. charityk
    November 19, 2014 at 4:21 am (3 years ago)

    make a list for groceries try to only go once a week

    Reply
  52. Soozle
    November 19, 2014 at 6:49 am (3 years ago)

    I use the PLAN tip often – from a grocery list to viewing online first, it can save you time and unnecessary purchases

    Reply
  53. BlessedTA
    November 19, 2014 at 9:50 am (3 years ago)

    Stick to your budget

    Reply
  54. SweetPanda
    November 19, 2014 at 10:37 am (3 years ago)

    Always wait for sale and use coupon whenever it’s possible.

    Reply
  55. Treen Goodwin
    November 19, 2014 at 12:50 pm (3 years ago)

    Coupons are a big part of my saving money , also ad match and Flipp the app 🙂

    Reply
  56. caryn s
    November 19, 2014 at 12:52 pm (3 years ago)

    I shop sales and use coupons whenever i can!

    Reply
  57. kathy downey
    November 19, 2014 at 1:15 pm (3 years ago)

    I find using coupons with sale items or price matching saves me a lot of money.I also prepare all my own meals

    Reply
  58. Erika Belanger
    November 19, 2014 at 1:19 pm (3 years ago)

    Don’t be a money moron, thats one that I use a lot.I make goals and budgets and really try to limit what I spend

    Reply
  59. Ashleigh Swerdfeger
    November 19, 2014 at 2:56 pm (3 years ago)

    Paying attention to your spending and how much is in your account is important. It is easy to overestimate, i also try to budget for saving and use coupons.

    Reply
  60. Jennifer P.
    November 19, 2014 at 3:01 pm (3 years ago)

    For me it is using coupons, price matching, trying to buy things on sale as much as possible, buying second hand books, and having an automatic deduction come off our paycheques for our savings.

    Reply
  61. Anna W
    November 19, 2014 at 4:28 pm (3 years ago)

    I use all of the coupon apps and paper coupons to maximize the savings. The Common Cents methods that work best for me are planning out my purchases before I go shopping.

    Reply
  62. Doris Calvert
    November 19, 2014 at 7:20 pm (3 years ago)

    Just check flyers and on line sales

    Reply
  63. Michelle armstrong
    November 20, 2014 at 2:41 am (3 years ago)

    I try to do some surveys for extra cash. Also use checkout 51, zweet, and snap saves. Also use flipp to find the latest deals in flyers.

    Reply
  64. Karry Knisley
    November 20, 2014 at 4:57 am (3 years ago)

    I use coupons, price matching and apps like Checkout 51 to save money

    Reply
  65. Lindsay Cyr
    November 20, 2014 at 9:28 am (3 years ago)

    I always use coupons and combine them with sales to save the most money on every day essentials.

    Reply
  66. Dreena
    November 20, 2014 at 9:47 am (3 years ago)

    I use coupons to save money.
    Also, if I don’t go to the mall, I don’t get tempted to make an impulse need-to-have-it purchase.
    Cheers.

    Reply
  67. angela m
    November 20, 2014 at 11:40 am (3 years ago)

    My tip is to check the flyers for the deals and use coupons.

    Reply
  68. Rhonda W G.
    November 20, 2014 at 12:39 pm (3 years ago)

    We do go through the flyers and stock up a bit on good sales! I like to thrift for other housewares…

    Reply
  69. Lee-Ann
    November 20, 2014 at 1:29 pm (3 years ago)

    I always use coupons and especially watch for sales where I can use them

    Reply
  70. Debbie W
    November 20, 2014 at 10:03 pm (3 years ago)

    I believe at some point or another, everything will go on sale. When it does, I price match, bring my coupons and stock up

    Reply
  71. roger simmons
    November 21, 2014 at 1:58 am (3 years ago)

    I always put 20% of my pay away for rainy days. The rest goes to the family.

    Reply
  72. missbobloblaw
    November 21, 2014 at 2:28 am (3 years ago)

    Shop clearance for staples like towels, and off season for summer clothes like shorts- HUGE savings!

    Reply
  73. leanne
    November 21, 2014 at 11:47 am (3 years ago)

    I check flyers every week before I do my shopping.

    Reply
  74. Belinda McNabb
    November 21, 2014 at 8:09 pm (3 years ago)

    I always check the fliers and use coupons with the great sales

    Reply
  75. Yuen C
    November 21, 2014 at 11:31 pm (3 years ago)

    I like to price match for sales

    Reply
  76. Aimee Robison
    November 22, 2014 at 8:24 am (3 years ago)

    I use coupons and price match 🙂 And of course shop the clearance rack for clothing and shoes.

    Reply
  77. sarah w
    November 22, 2014 at 9:21 am (3 years ago)

    I browse through my flyers and price match and use coupons to make my money stretch further. I have saved tons by doing this!

    Reply
  78. Juliee Fitze
    November 22, 2014 at 9:42 pm (3 years ago)

    using coupons with sale items or price matching

    Reply
  79. Wanda Tracey
    November 22, 2014 at 10:42 pm (3 years ago)

    I watch the flyers for great sales and visit more than one store to get their sales.I use my coupons and do price matching too.

    Reply
  80. Chandra Christine O'Connor
    November 23, 2014 at 9:57 am (3 years ago)

    price checking, couponing

    Reply
  81. cheryl hodgkins
    November 23, 2014 at 1:28 pm (3 years ago)

    I check weekly flyers for the best deals of foods I am needing , price match and use coupons if available

    Reply
  82. Bev Reid
    November 23, 2014 at 5:10 pm (3 years ago)

    I use a lot of coupons and I trade coupons if I can’t use them. I also watch for sales in the local flyers.

    Reply
  83. Toby
    November 23, 2014 at 8:52 pm (3 years ago)

    My key to saving us only buy what you NEED. I use coupons, watch for flyer deals, and shop clearance items.

    Reply
  84. Tammy Dalley
    November 24, 2014 at 7:23 am (3 years ago)

    I love using coupons

    Reply
  85. amber y
    November 24, 2014 at 7:25 pm (3 years ago)

    I think doing an analysis is a great idea! I also think selling things you don’t use and buying second hand are both great ways to save up money.

    Reply
  86. nicolthepickle
    November 25, 2014 at 12:42 pm (3 years ago)

    #6> Actually knowing where your money is going is so helpful.

    Reply
  87. Lorrie Coleman
    November 25, 2014 at 8:41 pm (3 years ago)

    I use coupons & price match

    Reply
  88. Karine
    November 25, 2014 at 11:37 pm (3 years ago)

    Love to make a list, coupon and price match, gives me the best bang for my buck haha

    Reply
  89. Jeff Skidmore
    November 26, 2014 at 5:33 am (3 years ago)

    coupons and don’t spend more than you make!!

    Reply
  90. Eldon L
    November 26, 2014 at 5:48 pm (3 years ago)

    Shop at a place that you can collect points

    Reply
  91. Kayla Gilbert
    November 27, 2014 at 12:41 am (3 years ago)

    Price-match when possible and use coupons. I’ve been doing it for years.

    Reply
  92. KellyPC
    November 27, 2014 at 2:25 am (3 years ago)

    we shop sales & we coupons when we can!

    Reply
  93. Angela Mitchell
    November 28, 2014 at 12:16 am (3 years ago)

    I like to do a lot of research before I buy certain things so I know what’s the best quality for the cheapest price. I price match, use coupons and stock up on sale items as well.

    Reply
  94. ivy pluchinsky
    November 29, 2014 at 1:44 pm (3 years ago)

    I use coupons, look at flyers, price match, and watch for sales

    Reply
  95. Brenda Witherspoon-Bedard
    November 29, 2014 at 9:13 pm (3 years ago)

    we have just started to use coupons

    Reply
  96. Barbara Adams
    December 2, 2014 at 10:56 am (3 years ago)

    After years of couponing and living, I fare much better when I save my couponing for once a month..no coupon fatigue and still maintain my stock at a managable level. we no longer eat packaged foods, so my couponing is reserved for select household items

    Reply
  97. kristy e
    December 2, 2014 at 2:48 pm (3 years ago)

    I always use coupons to save money

    Reply
  98. kathryn
    December 3, 2014 at 3:29 pm (3 years ago)

    I use coupons and price matching but
    I also try only to buy what I need

    Reply
  99. Pat Drouillard
    December 4, 2014 at 8:34 pm (3 years ago)

    Couponing/price matching

    Reply
  100. dawn rader
    December 4, 2014 at 8:43 pm (3 years ago)

    I coupon and price match. I use point systems to help me where i can. if there is a card where i am rewarded I have it

    Reply
  101. Tanis
    December 5, 2014 at 12:39 am (3 years ago)

    Coupons and sales!

    Reply
  102. joanne darrell
    December 5, 2014 at 1:45 pm (3 years ago)

    I pricematch and use coupons whenever something is on sale.

    Reply
  103. Erika E
    December 5, 2014 at 6:58 pm (3 years ago)

    I use coupons and watch the flyers for sales. I stock up on paper products when they go on a good sale because I can’t stand paying full price for them.

    Reply
  104. Cheryl
    December 5, 2014 at 9:39 pm (3 years ago)

    Price match and use coupons

    Reply
  105. MOHAMMAD ANJUM
    December 6, 2014 at 2:28 pm (3 years ago)

    always use coupons to save money

    Reply
  106. Megan F.
    December 6, 2014 at 11:14 pm (3 years ago)

    Coupons and price matching are my ways to keep costs down!

    Reply
  107. Miriam Wilton
    December 7, 2014 at 2:23 am (3 years ago)

    we always collect the points available at our local stores. you never know what it will add up to. and if there is a coupon to use USE it!

    Reply

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