This week my wife and I finally tried online grocery shopping and home delivery. What a game changer!

We shop bi-weekly at Costco for the majority of our groceries and household supplies. In between it’s a mix of No Frills, Safeway, and Save-On Foods for fresh produce and other items we seem to need regularly throughout the week.

It’s a pain to shop at multiple stores around the city, not to mention the time wasted shopping and waiting in line. We’ve noticed the Save-On Foods grocery delivery van in our neighbourhood and decided to give online grocery shopping a try.

Ordering from the website was fairly straightforward. We navigated the categories just like we’d move through the store – produce, bakery, meat, and dairy – plus all of our favourite staples.

We added it all to our online shopping cart and then selected a delivery time slot. The total order came to just under $100 (the minimum order is $45). As a first time home delivery customer Save-On Foods waived the $5 delivery fee. They even threw in a free chocolate bar.

We selected next day delivery between 4 – 6 p.m. The driver called that day at around 4 p.m. and said he’d be at our house in 15 minutes. He came to the door and delivered the groceries along with a detailed receipt that explained why a couple of items that we ordered were substituted for something similar (a bag of three avocados subbed for three loose ones, for example).

One thing we were concerned about is whether they’d select the “nicer” produce for us. They did!

Our only complaint, and this is more of a learning curve for us, is that most of the produce is ordered by weight instead of quantity. I have no idea how many grams of bananas we needed, but at least now I know that 100 grams will get you one banana :/

We’re definitely going to do more online grocery shopping as a way to save time and maybe even some money. We’re also keenly interested in Costco’s 2-day grocery delivery – which is currently only available in Toronto and southern Ontario.

It gives me a warm feeling just thinking about never setting foot inside a Costco again – especially on a Saturday!

This Week’s Recap:

It’s RRSP season and on Monday I wrote the beginner’s guide to RRSPs.

And on Thursday I explained why contributing to your RRSP is just the first step.

Over on Rewards Cards Canada I revealed exactly how I redeemed more than 1 million points for travel.

Weekend Reading:

The Financial Consumer Agency of Canada released a study on home equity lines of credit that paints a damning picture of consumer knowledge and use of this product. Of note:

  • Most respondents scored less than 50% on their knowledge of HELOC terms and conditions
  • More than any other age groups, 25-34 year olds said they:
    • made interest-only payments on their HELOC
    • often used HELOCs to meet payments on their other debt
    • would struggle if their payment increased by $100 per month

Preet Banerjee explains why for much of the world, retirement’s golden rule of ‘pay yourself first’ doesn’t apply.

Banerjee and a team of researchers also looked at how financial services innovation is leaving too many Canadians behind:

Those among us who do embrace these new innovations can also fall into other traps: Easy access to online brokerage accounts increases the likelihood that people trade too frequently, hurting long-terms returns. Easier access to credit via innovative online lending businesses is trapping many into a cycle of high-interest loan use to fund day-to-day expenses.

Here’s the 10 smartest things said about investing by Vanguard founder Jack Bogle.

Michael James shares an honest look at his investment returns for 2018. Despite a modest loss, he won’t be firing his advisor or moving to cash.

Million Dollar Journey blogger Frugal Trader updates his family RESP portfolio for 2019. I love these updates as his kids are a couple of years older than mine and we use the same TD e-Series portfolio.

Newlywed Des Odjick explains how she and her husband manage their money now that they’re married. My wife and I have a joint chequing account that pays all the bills, plus she has her own no-fee chequing and savings accounts.

Gen Y Money shares the ins and outs of pension buy backs and explains why she didn’t buy back years of service on her pension.

Speaking of pensions, Mark Seed does an in-depth review of the book, Pensionize Your Nest Egg by Moshe Milevsky and Alexandra Macqueen. The premise is to take a portion of your retirement savings and purchase a life annuity.

Here’s Jason Heath on getting the most out of retirement income planning with an older spouse.

Finally, an excellent post from a retiree-researcher-computer-geek who helps unwealthy retirees. Honey, what’s our retirement plan?

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