How Much is Too Much for Groceries?

The other day I was reading one of my favorite personal finance magazines. Each issue they profile a person or family giving details of their entire financial life. I love reading about how other people live, even if they’re not at all comparable to my situation.

Anyway, this particular family wasn’t too far off from our financial picture in terms of income. Though our income is brought in between two working individuals, this family had one income (albeit large) while mom stayed home with two young children and managed everything else in the home. What always surprises me when reading these profiles like this, is how much money families and individuals delegate for groceries.

In these profiles, groceries are separated from eating out so it’s not one generic ‘’food’’ line.

This family of four, two adults, two young kids (under five I believe), budget $9,800 per year for groceries. In case you don’t feel like doing the math, that’s over $800 per month for a family living in one of Canada’s largest and most financially stable cities. I just can’t see how?

We live in a fairly expensive city in terms of food, not outrageous but the high price of gas alone on this side of the country drives food prices up. For our family of three, on an expensive month we might spend $500. I buy a lot of fresh produce and lean meat. Even if we add another mouth to feed, the max our grocery bill would get to is maybe $550 and I really think we could sustain our family’s food budget at the $450-500 mark no problem even with the fourth mouth to feed.

What are these people eating for $800 per month? I buy decent meat and produce. Are they buying pre-packaged meals for that amout of money? I just don’t understand. Even if we add in stuff like toilet paper and cleaning stuff throw in an additional $10 per month…

Keeping food costs down can be a callange. It requires planning, there’s no way about it. Every week my husband and I spend probably 30 minutes planning out our week of meals and I go to the flyers to seek out the best deals. If we plan a meal I don’t think is feisable that week, we wait for the ingrediants to go on sale and decide on something else. The more we plan and get organized, the easier it is. I constantly look for new recipes that I can make for cheap, are healthy and provide a large meal. I just made a huge batch of soup for dinner and we now have lunches for the next two days, total cost was less than $9.00 for six adult-size servings and this was expensive in my mind for a soup.

I could think of a lot I could do with $300 per month. In this situation the mom was concerned they wern’t saving enough for the kids post secondary, if they’re that concerend (though at the end of the day they had more than enough to invest), they could start by looking at their variable espenses like their food because I can tell you without a doubt there is no reason to spend that kind of money on groceries!

How much do you spend on groceries? Are you comfortable with this amount or would you rather spend more/less?

The MetaTrader 5 Trading App: Helping New Investors to Enter the Forex Market

There have been a number of important evolutions in the financial markets over the last decade, each of which has had an impact on the ease with which individuals can trade and make real time transactions. While the development of online trading platforms such as ThinkForex has been one of the most significant, however, it is the subsequent advent of mobile media that has truly allowed investors to maximize their profits. With a burgeoning range of mobile trading applications now available to smartphone users, it has never been easier to enter the forex market and develop an additional income stream.

The MetaTrader 5: An Effective and Accessible Mobile Trading Platform

The MetaTrader series is the very embodiment of this evolution, and the fifth installment is considered by many to be the single most effective In terms of basic trading tools, it provides real time quotes of financial instruments, which allows users to access market prices and values as they are announced. In addition to this, designers have taken great care to ensure that the platform supports all types of execution mode, which only serves to aid flexible usage on a daily basis.

As a general rule, mobile applications are designed to provide convenience to users. Ease of use and navigation is a key feature of the MetaTrader 5, and this has influenced the development of a user friendly interface that can be customized according to your specific trading preferences. The fifth version of the application is even equipped with an advanced offline mode, which can allow you to continue trading even as you lose connectivity. When you consider the importance of liquidity and real-time trading in the forex marketplace, this is something that remains hard to ignore in the quest for building personal wealth and economic growth.

Thinking Analytically: The Technical Advantages of the MetaTrader 5

While these specifications offer an insight as to what users can expect from the MetaTrader 5, it is as a technical analysis tool that the app genuinely repays its value. Aside from its real time interactive charts, users can also access more than 30 of the most widely used technical indicators, including Bollinger Bands, Money Flow Index, Stochastic Oscillator and Volumes and Williams Percent Range. There are also 3 individual types of chart, and the additional capacity to adjust the graphical settings of your interface allows you have vital information and analysis delivered in an easy to comprehend manner.

Aside from all other factors, it is these technical advantage that distinguishes the MetaTrader 5 from previous incarnations and similar mobile platforms. Given the marginal nature of forex trading and the volumes trades on a daily basis, even the smallest detail can have a big impact on bottom line income and profit.

Starting Your First eCommerce Business

Starting your own business can be both exciting and frightening. Proper research can take a lot of the guesswork out of your start up, but some things can only be learned by doing. Here is a rough guide on starting your first eCommerce Business.

Is the entrepreneurial lifestyle for you?

Being your own boss can be extremely rewarding but it can also be a lot of hard work. Be sure you have the right personality and work ethic to run your own business. There are many important factors to consider before diving in head first. According to Statistic Brain, more than half of all retail businesses fail within the first four years. There were many reasons cited for these failures including lack of market awareness, pressure from family about time spent working and lack of capital. Hopefully this article will help you to be a success in your new venture.

Do you have passion?

Starting and running your own business can be extremely stressful. It’s important that you are passionate about your project. Your love for the business will help you fight through the inevitable hard times during the startup phase. Can you envision yourself working long hours in this business? What if you make little to no money in the early stages of your new business? It’s very common for a new business to experience some hard times but if you are passionate about what you are doing that could make the difference between fighting to make it work and giving up.

Do you have time?

New businesses take up a tremendous amount of time. This can put a major strain on your social life and personal relationships. Be sure to have a long talk with your loved ones about your plans. If you have a significant other in your life who is against the business idea, this will make it very difficult for you to succeed. You need to be devoted to your business to ensure it succeeds in its early stages. Good time management skills are a critical skill to learn. Money Crashers gives some excellent advice when they suggest writing down step by step goals. Some goals may seem impossible until you break them down into smaller tasks and take action each day.

Do you have the right equipment?

Depending on what type of product you will be selling it is possible to get your business up and running for extremely cheap. You can purchase your own domain and web hosting for less than ten dollars per month and create your online store. There are also several great eCommerce sites that allow you to sell your products on their website. This is a great way to save money and time building your own website. This also allows you to test your product in small batches with minimal investment in time and money. Some of these websites charge a small commission but you get the advantage of their large amount of web traffic.

Since you are conducting business online you will need a computer. Laptops are convenient for travel and there are plenty of affordable options these days. In addition, if you are running a physical shop you will need a receipt printer. Shopify offers a great all in one solution that includes all of the hardware and software you need to print your receipts.

Once you have the essential hardware purchased you can easily take advantage of online applications to assist you in your daily business operations. Cloud storage such as Drop Box and Google Drive are great for the business owner on the move. Upload your files and documents so you can access them anywhere in the world with internet access. Also share and edit files with employees and track sales.

GoToMeeting is a great application for having business meeting while traveling. Use your tablet or PC to chat in real time with anyone in the world who is online.

Why eCommerce?

This day and age you must be selling your products online. Whether you choose to run a physical shop or not, offering your products to a larger market on the web greatly improves your chances of success. There are so many great resources available to entrepreneurs these days that the task of starting your own eCommerce business does not have to be a daunting one. Search online for local mentors or support groups.

Time to get started!

Business Insider reports over 543,000 new businesses are started in America each month. That is a large number and wherever you are in the world you can be a part of the action. Barriers to entry are extremely low and with the internet doing business across borders has never been easier.

Be sure you do you market research and get your finances in order. With the right tools, a strong work ethic and passion for your business you can succeed. Good luck in your new venture!

Get to Know Me! I was Nominated For the Versatile Bloggers Award!

versatile-blogger-awardI’d like to thank Jordann for nominating me for this fun award. I love getting to ‘’know’’ other bloggers from around the web though don’t know how interesting my facts will be!

Seven random facts you probably don’t know about me (even though I feel like my entire life is on the internet).

  1. I love gross stuff, nasty teeth included

My two favorite undergrad courses were entomology (study of insects) and parasitology (study of parasites). Nothing cooler than looking at a hookworm under a microscope, eh? And your mouth? Yeah, there’s nothing I haven’t seen, trust me. I’ve seen everything from the sever drug user to the 58 year old who has never been to the dentist before so no, you really don’t have to apologize for eating a muffin before coming in to see me. Nothing more satisfying than a good ‘’before’’ and ‘’after’’ ;)

  1. I have zero self control with sweets

As long as I don’t have them around me I’m ok but if it’s in the house I eat it until it’s gone or I’m physically ill. Nutella is the worst.

  1. I love reading

The Outlander series is consuming my life right now. My sister-in-law has been after me for years to read the books but it didn’t seem like my type of book so kept putting it off. I also get really board with series. She finally convinced me when the first book was made into a show and told me how good it was…I started the first book and was hooked after about 200 pages. I’m now binge reading, almost done the second book (each book is almost 1000 pages). Hoping to be on the third book by the time this post is published.

  1. I’ve held a book published in 1758

When I was in university I did a class on science and religion. We needed to profile a person who was known in both circles and I chose Carl Linnaeus, who is considered the father of modern day biological classification system. Anyway he wrote a famous book called Systema Naturae and when doing said paper I was fortunate to go to a library that held one of the original copies of the book. It involved going into a humidity controlled and secured room and swearing on my life I wouldn’t harm the book. One of my favorite university experiences.


  1. I love to color

I could spend hours with a new box of crayola crayons and a coloring book. Both of which I have around all the time now because of kiddo except she snaps the crayons in half and my soul dies a little each time.

  1. I love playing games

My idea of a good night is hanging out with all my best friends and/or family and playing games. Anything from crib to Cards Against Humanity!

  1. I would love to move to Germany

My husband and I lust for a move to Europe. I would love to raise my daughter there (hello Germany now offers free tuition!) but for many reasons we can’t, at least right now. I can’t imagine pulling my daughter away from all the people who love her here so our dream will have to wait, maybe some day.1914000_590942689899_3013122_n

Now, the seven bloggers I’m nominating to also partake in the challenge:

September 2014 Debt Repayment Update!

wpid-img_20140928_134041.jpgSoooo where did September go? Fastest month all year, by far. Last weekend was a stunning way to end the summer. It was sunny, incredibly warm and the perfect way to say goodbye to summer 2014. After looking at the weather on Saturday my sister-in-law and I quickly decided to figure out a way to get outside on Sunday and enjoy what Mother Nature was gracing us with. We went for a little drive and went for a hike and it was beautiful. A spot I drive by many times but never go to but will definitely be going back before snowfall! The photo was taken at the top of the hill we climbed.

September was a decent month for us. I was able to put a total of $2,100 towards debt. I was really hoping to put $2,200 but came short by just $100 which is about the amount I needed to re-add to our ER fund. An extra $665 is pretty decent though so I’ll take it. I worked a few extra shifts in September and though I hated every second of that five-day work week (hated the time spent at work, not the job), I liked the extra cash. First world problems, I guess.

I had an ambitious goal last October of putting 20k towards our principal debt by end of 2014 but I don’t think it’s going to happen. I haven’t done all the number crunching yet but it’s looking like I’ll be short by $2,500-$3,000. I know $18,000 in principle debt paid is still great but I hate not meeting my goal!

If you follow me on Twitter you probably saw that my new computer decided to crap out on me the other day. We’re still not sure what’s going on but in the process of getting it taken care of this week hopefully. My heart sank as I thought about my forecasted budget being lost…done until February 2015 with notes galore reminding me of stuff. I accepted it may be gone, at the very least I have zero access to it right now, so I re-did the whole thing from scratch (with major help from my husband) and it’s now a Google doc. Why I didn’t do this in the first place. Now I’m just hoping I didn’t lose the 8G worth of pictures I just uploaded from my sD card, 14 months worth of photos. UGH. Fingers crossed the issue is a warranty fix and my darling two-year-old didn’t dump water/juice/freezie/spit on it without me knowing while watching ”Frozen” for the 2828412584 time.

I know Jordann is kicking ass and trying to make that 25k Net Worth by her 25th birthday….How did everyone else do?

How healthy is your credit card behaviour?

Most wallets today contain at least one credit card, but not everyone knows how best to look after the health of their credit cards. They can either be a useful financial tool if handled correctly, or cause a steady deterioration of the state of one’s personal finances. Here’s how to improve the fitness of your credit cards, from faint pulse to a strong heartbeat.

Choosing credit card purchases with care

Try to never use your credit card as a cash alternative. Making petrol, food or clothing purchases on your credit card is the start of a steady slide into debt. Living within one’s means is critical to the health of your credit cards. If you can’t afford a particular purchase today, without a substantial salary increase or unusual stroke of luck, you will not be able to afford that purchase next month or the following. Know the difference between what you actually need and those things that you merely want. Allow this to guide all purchase decisions. Always keep in mind that a credit card is neither cash nor a passport to a lifestyle you wish you had. Most banks charge higher fees for withdrawing cash from an ATM so be aware of these additional charges and try to avoid this temptation where possible.

Just as a person would approach a payday loans supplier – is one such provider – for bridging finance to, for instance, fix a car before the next pay cheque arrives, credit cards can be useful tools if handled responsibility. Credit card users can benefit from cashback rewards for using their cards so look out for deals that allow you to earn rewards for purchases made on a card. Some banks allow a card holder to pay towards annual card fees or bank charges as part of their loyalty programme.

Keep a little in reserve

Never max out your credit card. It is advisable to stay within at least 30% of the limit. It is far more difficult to manage higher credit card balances and could cause you to accidentally exceed your limit which means you would be charged a penalty and could impact your credit rating.

Get acquainted with your credit card statement

Go through your statement each month, item-by-item. You need to know that all purchases were authorised by yourself – this is important in the fight against credit card fraud. It will also allow you to check that your last payment was applied correctly and you were charged the right amount for each purchase. It’s important to report unauthorised charges to your credit card supplier immediately. Also be aware of any annual fees your card may incur.

Always pay more than the minimum repayment

For optimum credit card health, it is not enough to make only the minimum payment each month. To lessen the amount of interest you will pay on your cards, and the amount of time taken to repay them, you will need to pay off your balance as quickly as possible. Look for ways to pay extra on credit card debt each month. This can be done by taking a bagged lunch to work instead of buying, or forgo an evening out each month, opting to rather pay what you would have spent on entertainment into your credit card. Good habits like these have an accumulative effect and you will see your credit card debt continue to improve over time.

Speak up before you skip a payment

Speak to your credit card supplier to let them know if you will not be able to make a payment. Explain why and request that they waive any late fee penalties. If you rarely miss a repayment and have a good payment history, your provider might  understand your predicament.

Bear in mind that the banks make money when you are unable to make your payment on time, so it benefits them to keep rolling your debt over, month after month. This is unlike short term loan provider which only makes money when you repay your loan in full.

If you find you are unable to manage the health of your credit cards, approach a debt-relief company or credit counsellor who will be able to negotiate payment arrangements on your behalf and help you settle your debt over time.

Know your facts before cutting up the card

You’ve worked hard to pay off your credit card debt, but be aware of how closing a credit card can negatively impact your credit score, particularly cards that make up a significant amount of your credit history. You may be better off keeping the cards open. You could keep them tucked away in a safe place and use them every few months to make sure that your creditors continue to update your credit rating. This will keep your credit score in the best of good health.

How Do You Fight Emotional Spending?

My kiddo has been quite  clingy the last few days, I managed to snap a picture of her needing to hold my hand :)

I’d rather just do this.

There was a time in my life where I would spend money on crap I thought I needed but really I was looking to fill some ill feeling. I was never one to shop when I was super happy, only when I was bummed out about something. Usually an emotional thing that I didn’t want to deal with. Retail therapy allowed me to procrastinate with facing the issue and often, temporarily, eased the discomfort. I was always in my right mind to know even at the time exactly what I was doing but did it anyway, often leaving me feeling worse for wasting money.

I honestly don’t know what or when things changed for me but this isn’t something I do anymore. It’s not even anything I want to do. Sure there are things I want but I no longer shop emotionally. I’m going to assume the tiny human I care for has a huge part in this but I can’t say for sure I changed as soon as I became pregnant but I’m sure my lack of free time has a lot to do with it!

I don’t really get trigger happy to buy crap I don’t need, instead I’d rather watch my debt go down. Seeing that number decrease is enough for me to say ”I don’t really want that” and don’t give it a second thought but not everyone is like that. I feel like I’m a minority in my life. Most of my peers would much rather have that new toy than not. I don’t think it’s a keeping up with the Joneses thing, I really think they just want to buy stuff for them rather than to say ”look what I have and you don’t”.

Fighting the Urge

It can be tough to resist your desires to waste money. If you’re looking to spend money on something you need to figure out if this is an emotional purchase. If you’re not in the most sound state of mind, walk away from the purchase. If you still think you really want, or need said item after the emotions have chilled out a bit, return to it but while you’re in any sort of emotional distress, don’t buy anything or you may come to regret it.

Keeping a list of needs with you may help distinguish between a true want and need. Since we’re more apt to spend money when we’re not thinking clearly, having a go-to list may help. This may sound crazy to some but something both my husband and I do. While this list includes wants as well as needs it acts as a good reference, I really need a new pair of scrub pants for work since putting a hole through them, I don’t need a three tier cookie rack for baking. Sometimes I just need to look at the list to remind myself.

Another trick is to just leave your wallet at home if you don’t think you can be trusted. I know a certain sister of mine who would do a lot better if she just didn’t have the immediate access to cash all the time. After a crappy day at work I can guarantee you can find her at some local store looking for something to buy. Even though it may not be a lot of money these purchases add up over time, as do the house full of trinkets you don’t need.

Money is a very powerful in the sense that it can make us feel really good, or really bad. Distinguishing that wasting money on stuff won’t make us feel better for any length of time is a difficult skill to learn. The sooner we do, the better our bank accounts will look. How, when, where and why did you overcome the need for retail therapy?




You Want More Debt? – Try Binary Options

Perhaps one of the easiest ways to get yourself buried in even more debt is to trade binary options. Binary options have been around for several years now but it appears that they only managed just recently to capture the mainstream’s attention.

A lot of people get lured into binary options by the promises of fast and easy money. But what’s the truth behind this business? – I decided to write this article to clear this issue for once and for all.

How do they work?

In binary options it’s claimed that you will have to invest in the future value of stocks, currency pairs and other assets that are commonly traded. However, the twist is that you do not actually have to purchase these assets. You will merely have to bet (yes, you read right) on the future value of these assets.

Like, if you think that the US dollar will plummet during the next few minutes then you can bet on the outcome of this event. Binary options are called like this because each option can have only two outcomes, which are that the value of your asset goes up, or goes down.

Seemingly all you have to do is to predict if an asset’s value will go up or down. This is the reason why so many people seem to be attracted to this form of trading. Literally any person can do this.

But if you stop for a second you will realize that binary options are nothing more than roulette. Up and down becomes red or black and your investment basically becomes a bet. In fact, binary options even seem to be worse than blackjack because they have worse odds.

In roulette, you don’t actually have 50% chance to win in case of red or black because you have the “0” pocket. Your actual winning chances are like at around 47% only. In binary options, brokers generally pay out around 80% of your bet in profits if you win.

This means that your winning odds are not 50% in case of “up” or “down” but more like 35% to 40%. So you basically will have to win around 65% of the time to even make it to breakeven in binary options. This is why I said binary options are actually worse than roulette.

Yes… some will say that this comparison is not realistic, because roulette is a game based on 100% luck and change and that binary options are a form of trading where knowledge and skill is the determining factor and not luck.

The above is true in theory but not so much in practice. Predicting the future development of financial assets is definitely possible over the time span on several weeks and months however nowhere possible in the time span of just a few seconds.

Yes, you read it right in the above paragraph. In order to win at binary options you will have to predict the movement of assets in the matter of SECONDS. I mean, how much more ridiculous can this be? No one is capable of achieving anything like that, not even professional traders.

So, this is why people that binary options are pretty much the best way to lose your money online and get yourself into a huge debt (if it happens you get addicted to it – which is possible, since I already established that binary options are like gambling).

If you really want to lose money in such a fashion, you should instead just go to Vegas and “invest” all your money in red. This statement is actually quite funny considering betting all your money on red actually offers higher winning chances than binary options “trading”.


How Much House Can We Really Afford?

We’re nowhere near looking to sell our current home. As you know our main priority is to kick our (non-mortage) debt to the curb before considering a move, but a move is still within our future. We have no intentions of moving until we can afford the house we really want (within reason) since it will likely be the house we stay in close to, if not, forever.

Out of total fun I started playing around with online mortgage calculators to see what the online ”experts” thought we could afford being hypothetically debt-free. I put in total worse-case numbers (measly 5% down for example even though I know it will be much more on next home, hoping for 20% and current income numbers) and I was blown away at what numbers it spit out at me.

To keep a little privacy within our home I won’t use exact numbers but that doesn’t matter, you’ll get the point. What three different calculators suggested I could afford as a mortgage payment (excluding property taxes which are upwards of $4,800/year in some areas we’re considering) was almost triple our current mortgage amount and five times what our gross annual income was.

Amortized at 25 years (the maximum amortization in Canada) our minimum mortgage payment at this maximum borrowing price would be almost 2.5x our current payment. Holy baby-and-bearded Jesus.

Needless to say we’re not about to work our arses off to pay off debt and go right into being house poor so we’re obviously not going to take on that sort of debt. When our debt is paid off and we do buy a new home there is a 99% chance the mortgage will be larger. The fact is that prices have gone up since we bought four years ago and we’re in a smaller home in an older area of town. That being said though, we’re not looking to increase substantially in size and like the area we’re in.

When it comes to what we are comfortable with I’d like to keep our mortgage and property tax payment to no more than an increase of $400 per month (than we’re currently paying). That may seem like a lot to some but we have to consider we currently live in a cheaper property tax area and most surrounding areas are not so lucky. Of the $400 increase in monthly payments I suspect $150 of that to account for property tax increase. The $400 additional is also accounting for a lower amortization term than we currently have.

I’d like to be totally debt free by the time I’m 50 (total arbitrary number) and given our ages and income prospective I think it will be possible. I also have to consider the possibility of moving into our new home and paying it off very quickly (ten years max) and only then start investing for retirement. It’s a possibility that’s for sure. We have a lot to think about but for now I’ll play pretend on MLS :)

 Do you live in the top of your affordability bracket?

Our DIY Bar and Kegerator

wpid-wp-1411303938689.jpegI’ll never forget the day we moved into our home. We arrived before the real estate agent on closing day to do the final walk through. As we were anxiously awaiting his arrival I was peeking my nose in the widow and noticed something protruding from the wall that I hadn’t seen before. I turned to my husband and pointed to the wall that, during the open house had a large desk against it, and inquired about what was sticking out from the wall in our basement.

While I was formulating a mental plan about how we were going to deal with the removal of these pipes sticking out from the wall my husband had a very different thought process going on. Before I could say anything he turned to me and said nothing but ”wet bar”. Though we weren’t yet in the house to inspect the pipes my husband was fairly confident they were water hookup pipes and we could easily hook them up to a wet bar he now had every intention of building.

Though I was annoyed, he was elated. Like a kid in Christmas morning finding extra candy at the bottom of the stocking. It didn’t take long for our required to-do list (like painting the walls) to take a bit of a back burner to make room for the creative juices to flow about this new project. And so the birth of our bar started.

I didn’t really care what he wanted to do, as long as we didn’t need to spend too much money on it. I also didn’t want something so permanent that future owners wouldn’t be able to easily remove it. With the help of his grandfather my husband created a pretty decent little DIY bar using leftover cabinetry and countertops from our kitchen renovation. Total cost, almost nothing. He did have to buy a few sheets of meranti wood, some extra moulding and few things he didn’t already have for the plumbing but that didn’t set us back any more than $50. After the bar was complete he found a seconds cabinet at a local hardware store for cheap, it was a few years ago now but I want to say he spent another $50 on the cabinet he uses to store all his collective glassware.

So for approximately $100 we were able to build a functioning wet bar complete with running water and storage. Two years after completion we added a mini fridge that we got on after-Christmas clearance for less than $100. Given how often we entertain (we make up excuses to host friends and family) it was a welcome addition but my husband still lusted for a functioning bar tap and kegerator. He had a vision and wasn’t going to stop until the liquid gold poured from his own bar tap.

We’re lucky that my husband’s cousin is an accomplished craft beer maker who is also involved in making home kegerators. He was able to give him a breakdown of everything he’d need to make a fully functional kegerator part-by-part. With the info in hand hubby started to save his pennies. He stashed his extra money and freelance income into his Tangerine account (use my Orange Key if interested in opening an account 40755676S1) until he had enough. Last weekend we tasted the beer from our keg for the first time and I think my husband’s purpose in life is now complete.

The DIY Kegerator cost more than the bar, totaling $500. This includes every single part needed from the fridge to the tap itself and every piece in between. Was it worth it? Well, it was my husband’s money to do what he wanted with but I will say yes anyway.

The Keg holds approximately 50 glasses of beer which cost about $20 to fill. I don’t know anywhere else you can get a glass of beer for $0.40. If we wanted to buy a 2-4 of beer we’re looking at $43 (don’t even get me started on how much alcohol costs here). Four times the amount of our new keg beer. It’s really good craft beer thanks to our hook-up! Hubby isn’t interested in making his own just yet so we’ll continue to fill the kegs when we want it.

Though this is very much a want and not a need we’re going to enjoy having it, especially when we get the other keg set up with my favorite raspberry wheat ale…I forsee more gym visits in my future to burn the beer off :)