i'm sure it's the wrong approach but i've been eating out or doing take out more, less wastage of stocking up at like a costco and throwing food out, and eating out always has leftovers so it stretches across more than a meal.

saves us time of prep/cook, less to clean

Costco sells cheap freezers yo! Free delivery and all.

I live in a 2bed condo. If only I could stick it into my locker downstairs:considered:

^^ hide it in your patio if you have one :accepted:

With the cost of groceries we've been doing more shops buy buying less planning for a few meals for the week to try and cut down on waste. I'm pretty certain we're spending less on groceries overall, at least it seems that way.

I never used to eat frozen meat at home. That changed during the pandemic, now I'm fine with buying and freezing. Besides our fridge like everyone has we have a deep freeze in our garage and a small bar fridge in our house but I'm probably going to replace the deep freeze with another stand-up fridge.

Although I eat meat sometimes I have to be in the mood for it, there are plenty of times I'll cook for the family some sort of protein but I can't eat it myself, it's weird I could almost become a vegetarian if I didn't love bacon and hamburgers so much.

Not sure why, but Costco seems particularly bad for that.

I've purchased steaks and ribs there in the past and it would start going brown and stinky within days of sitting in the fridge. I don't notice that problem from other store bought meat.

I suppose that's why they indicate to freeze their meat within days of purchase?

I have 2 fridges and a chest freezer. I do the buy bulk, vacuum seal and freeze because mostly out of convenience. The less trips to the grocery store the better. I probably have about $1000 of stuff in the chest freezer right now

I'm pretty loaded up on Salmon, Rockfish and prawns right now, hit our limits this year (8 salmon, 6 rockfish, 500 prawns).

I've started recently buying meat from Save on at River District since it's so damn convenient for me. I don't find it that much more expensive than say Superstore. But the quality is top notch. I've had chicken breast still smelling fresh 2 days after BB

FYI, most chain stores will accept price matches for meat. So there's no need to run around town to save a few dollars.

What I usually do is go to https://www.reebee.com/flyers on a Thursday/Friday when most grocery flyers are out. Price match at a store and throw them in the freezer. Steaks are like the only protein everyone at home can agree on. So there's always a supply of different cuts because everyone's an opinionated food critic. FailFish

People price match food? :derp:

Nah fam we can have RS take over and 5 finger discount :lawl:

I never understood this too. Like can I price match a thick cut AAA grade Angus ribeye with an unknown grade discount quarter inch slice of ribeye from Walmart?

Who got time for that... too busy hustlin for my future crack shack

Got 4x AAA T-bone steaks last week for $7.99/lb. So paid about $40 for over $80 worth of steaks. I don't make $100+ an hour, so yeah it's worth my 10 mins a week to just browse the covers of each ad.

So are you saying that what I was asking can actually be done?

Has to be same grade.

Apples to apples, not apples to oranges.

If you prefer a thicker cut, superstore cuts are thicker than most stores and I had no problems getting them to match.

TD updated my rate to reflect the latest increases and my amortisation went up to <checks notes> 788 months and I was .04% away from my trigger rate. So in goes another payment increase - my second since March and only enough to get it down to 39 years. To keep it on track I'd need to raise my payments 65% from what I started with last November.

Definitely gonna be showing my butthole on my OnlyFans account to raise some money.

^so how much per month did it go up!? i dont understand this wacko math cuz im probably the only asian who fucking failed math.

Started at 5400/mo and I’ve raised it to $7k/mo. To keep it at 29 years I’d have to be at $8k/mo.

I’m not sure why amortization matter in the interim of a 5 year variable.

Isn’t the goal to pay down the principal at the end of the 5 year variable that was originally calculated?

For example, after 5 years, the principal is supposed to pay down $100k. The options at the end of the 5 year term will be (1) make a pre-payment to keep up with the original amortization schedule or (2) refinance to stretch because not enough principal paydown was made due to whatever reason. This is probably subject to certain LTV or income requalification.

Love to know if my thinking is flawed.

This simple trigger rate calculator is pretty useful.

https://askross.ca/trigger-rate-calculator/

You can't just extend your mortgage cuz % went up and you ain't paying principal. You must requalify at term maturity to extend. And can you afford it at that time, that interest rate and stress test rate.

IE. You owe $500k based on your term let's say in 5 years at maturity you're supposed to owe $450, but now since the rate went up so much you still owe $490 5 years later. Your options are drop $40k down to catch up. Or increase your payments by a lot to catch up. FeelsBadMan not a recession they say :accepted:

To add to this, depends how your big your balls are technically you can do nothing unless you hit trigger point and if rates crashes due to recession and must saves da eKoNomiEz. Then you might get back on track as % goes to 0 so you're paying all principal again. :accepted:

Few years back when my parents were downsizing to a condo, we found mortgage documents from the 80's for like 12%.

I said to my mom that even as a kid I knew money was tight, but but wow.

Mom: "Yeah, we came close to losing the house a couple of times."

holy shit! 7k a month!!! thats utterly insane. how are you guys gonna do anything other than pay a mortgage !? 7k is like a full time 100k a year job dedicated to just paying the house

this is why vancouver sucks and i can see the reason why a lot of people decide to just fuck this place and go to alberta