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Why saving money on food is ‘definitely a challenge’ for millennials

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When Leslie Hacker began taking a closer look at her finances recently, she noticed she was spending about $1,000 on food each month.

« It seems like a lot, but when I did the math, that’s about 35 dollars a day, which doesn’t seem that crazy anymore to be honest, » she says.

Eating out, ordering in. Throw in a bagel here, a coffee there, and it all adds up.

« It’s definitely a challenge for people my age to save on food. »

At 28, Hacker is a millennial, defined as anyone born between 1980 and 2000. Saving money is a problem for her generation and experts say a big reason is how much millennials spend on eating out and ordering in.

Hacker works in social media marketing, which makes it even harder, she says, to save on food.

« All day I’m seeing these food pictures online and I’m like, ‘I want to try this and I want to try that!' » she tells CBC Toronto.

Leslie Hacker, a millennial foodie living in Toronto, says besides convenience, food apps like UberEats and SkipTheDishes allow her to try a wide range dishes from many great restaurants in the city. (Kelda Yuen/ CBC News)

In the age of smartphones, access is easier than ever with popular food apps like UberEats and SkipTheDishes bringing a hot meal to your door in minutes.  But the convenience comes at a cost.

« There’s the delivery fee — $5.00 to $7.50, I find, is the usual delivery charge. And then you have to tip the drivers. »

Despite that, Hacker says she still uses the apps at least a few times a week because « as a single person, it’s harder to cook, I find. There’s less motivation. Maybe when I have a family, things will be different. »

Paycheque to paycheque

Jessica Moorhouse, a Toronto-based millennial money expert is noticing many of her well-paid millennial clients are living from paycheque to paycheque because they are overspending on food.

Some, like Hacker, are spending  $500 to $1,000 dollars a month.

« Most of the time when I’m talking to clients, I’m like, ‘So you’re spending $500 on eating out every month, are you happy with that?’ and most of the time they are like, ‘No! I wish I could use that money towards my emergency fund, paying off debt, or go on an amazing trip! »‘

She says the first thing she tells her clients is to track their spending for three months to identify patterns and problem areas, then they can « start taking steps to fix it. »

Moorhouse says there is no « right or wrong answer » when it comes to how much you should be spending on food, but « 10 to 20 per cent of your gross income… is a good starting point. »

Millennial money expert Jessica Moorhouse says many of her clients opt for the more expensive options of ordering in or dining out because they don’t have time to go grocery shopping and cook. (John Grierson/ CBC News)

A millennial herself, Moorhouse, 32, says she definitely notices her generation is spending more money on food than their parents, but she understands why.

« I think it’s because our lifestyles are very different. A lot of us are working full time and we have a side hustle, or we’re busy on the weekends, » she said. 

« We’re just go, go, go all the time. We’re in that crunch time in our lives whereas Gen Xers and baby boomers, the kids may be out of the house (and) they’ve got a little bit more time. »

No time to cook

« I feel like I’m always worried about not having time to cook, » 21-year-old Parnian Dolati said.

As a full-time student, Dolati says she’s often too busy for the kitchen. 

« I should be spending the money on making my own food but I don’t. »

Richard Banyard, 32, is a millennial who does cook, and says it saves him a lot of money.

He told CBC Toronto he spends about $20 to $30 on food each week, which adds up to between $80 and $120 a month.

« It’s the value of knowing how to make simple meals. I know people who don’t even know how to cook an egg. [They] don’t cook at all, so they spend most of their money on take-out. »

Finding a middle ground

For time-starved millennials who don’t have time to grocery shop or prepare food, Moorhouse suggests meal-kits as a good option to cut costs.

« That’s where those kind of delivery service meal kits come in… They do the hard lifting for you. They have all the ingredients and all you have to do is put it together. If you have 15 or 30 minutes, which everyone does, you’ll have time to make your own meal. »

And the cost?

« It’s way cheaper. For instance, with Chef’s Plate (an Etobicoke-based meal kit company), a kit starts at $8.99 (including delivery). It’s really good in terms of being a middle ground if you’re looking for something to help you with your budget, eat healthy, and help you with those time constraints. »

Hacker says she can’t see herself deleting food apps as Moorhouse suggests. But she is looking for ways to save money, such as cooking more often and dining in or ordering from less expensive restaurants. (John Grierson/ CBC News)

Hacker says she opts for the meal kit option once in a while.

 « I don’t use it every week, but I find it helps. »

She also says she is trying to cook something every other day in order to save money.

For those who really want to save though, Moorhouse suggests going cold turkey.

« Seriously, if you want to save money, delete those apps. »

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Anglais

Nostalgia and much more with Starburst XXXtreme

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Get a taste of adventure with Starburst XXXtreme based on the legendary NetEnt Game. The nostalgic themes are sure to capture fans of the classic version as they get treated to higher intensity, better visuals, and features. The most significant element of the game is its volatility. Patience will not be an essential virtue considering the insane gameplay, and there is a lot of win potential involved. It retains the original makeup of the previous game while adding a healthy dose of adrenaline. 

Starburst Visuals and Symbols

The game is definitely more conspicuous than before. The setting happens over a 5-reel, 3-row game grid with nine fixed win lines, which function if a succession from the left to the right reel is present. Only those players that that attain the highest win per bet line are paid. From a visual standpoint, the Starburst XXXtreme slots illustrates lightning effects behind the reels, which is not surprising as it is inherited from the original version. Available themes include Classic, Jewels, and Space. The game is also available in both desktop and mobile versions, which is advantageous for players considering the global pandemic. According to Techguide, American gamers are increasingly having more engaging gaming experiences to socialize to fill the gap of in-person interaction. Starburst XXXtreme allows them to fill the social void at a time when there is so much time to be had indoors. 

Starburst XXXTreme Features

Players get to alternate on three features which are Starburst Wilds, XXXtreme Spins, and Random Wilds. The first appears on reels 2,3, or 4. When these land, they expand to cover all positions while also calculating the wins. They are also locked for a respin. If a new one hits, it also becomes locked while awarding another respin. Starburst XXXtreme offers a choice between two scenarios for a higher stake. In one scenario with a ten times stake, the Starburst Wild is set on random on reels 2,3, or 4, and a multiplier starts the respin. The second scenario, which has a 95 times stake, starts with two guaranteed starburst wilds on reels 2,3, or 4. it also plays out using respin game sequence and features. The game also increases the potential with the Random Wilds feature to add Starburst Wilds to a vacant reel at the end of a spin. Every Starburst Wild gives a random multiplier with potential wins of x2, x3, x5, x10, x25, x50, x100, or even x150.

The new feature is sure to be a big hit with the gaming market as online gambling has shown significant growth during the lockdown. AdAge indicates the current casino customer base is an estimated one in five Americans, so Starburst XXXtreme’s additional features will achieve considerable popularity. 

What We Think About The Game

The gambling market has continued to diversify post-pandemic, so it is one of the most opportune times to release an online casino-based game. Thankfully Starburst XXXtreme features eye-catching visuals, including the jewels and space themes. These attract audience participation and make the gameplay inviting. The game also has a nostalgic edge. The previous NetEnt iteration featured similar visuals and gameplay, so the audience has some familiarity with it. The producers have revamped this version by tweaking the features to improve the volatility and engagement. 

That is characterized by the potential win cap of 200,000 times the bet. Starburst XXXtreme does not just give betting alternatives for players that want to go big. The increase of multipliers also provides a great experience. If the respins in the previous version were great, knowing that multipliers can go hundreds of times overtakes the game to a new level. 

Players should get excited about this offering. All of the features can be triggered within a single spin. Whether one plays the standard game or takes the XXXtreme spin route, it is possible to activate all of the features. Of course, the potential 200,000 times potential is a huge carrot. However, the bet size is probably going to be restricted and vary depending on the casino. It is also worth pointing out that a malfunction during the gameplay will void all of the payouts and progress. Overall, the game itself has been designed to provide a capped win of 200,000 times the original bet. 

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Anglais

‘We’re back’: Montreal festival promoters happy to return but looking to next year

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In downtown Montreal, it’s festival season.

In the city’s entertainment district, a musical act was conducting a sound check on stage Friday evening — the second day of the French-language version of the renowned Just For Laughs comedy festival. Tickets for many of the festival’s free outdoor shows — limited by COVID-19 regulations — were sold out.

Two blocks away, more than 100 people were watching an acoustic performance by the Isaac Neto Trio — part of the last weekend of the Festival International Nuits d’Afrique, a celebration of music from the African continent and the African diaspora.

With COVID-19 restrictions continuing to limit capacity, festival organizers say they’re glad to be back but looking forward to next year when they hope border restrictions and capacity limits won’t affect their plans.

Charles Décarie, Just For Laughs’ CEO and president, said this is a “transition year.”

“Even though we have major constraints from the public health group in Montreal, we’ve managed to design a festival that can navigate through those constraints,” Décarie said.

The French-language Juste pour rire festival began on July 15 and is followed by the English-language festival until July 31.

When planning began in February and March, Décarie said, organizers came up with a variety of scenarios for different crowd sizes, ranging from no spectators to 50 per cent of usual capacity.

“You’ve got to build scenarios,” he said. “You do have to plan a little bit more than usual because you have to have alternatives.”

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MELS new major movie studio to be built in Montreal

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MONTREAL — MELS Studios will build a new film studio in Montreal, filling some of the gap in supply to meet the demand of Hollywood productions.

MELS president Martin Carrier said on Friday that MELS 4 studio construction will begin « as soon as possible », either in the fall or winter of next year. The studio could host productions as early as spring 2023.

The total investment for the project is $76 million, with the Quebec government contributing a $25 million loan. The project will create 110 jobs, according to the company.

The TVA Group subsidiary’s project will enable it to stand out « even more » internationally, according to Quebecor president and CEO Pierre Karl Péladeau. In the past, MELS Studios has hosted several major productions, including chapters of the X-Men franchise. The next Transformers movie is shooting this summer in Montreal.

Péladeau insisted that local cultural productions would also benefit from the new facility, adding that the studio ensures foreign revenues and to showcase talent and maintain an industry of Quebec producers.

STUDIO SHORTAGE

The film industry is cramped in Montreal.

According to a report published last May by the Bureau du cinéma et de la télévision du Québec (BCTQ), there is a shortage of nearly 400,000 square feet of studio space.

With the addition of MELS 4, which will be 160,000 square feet, the company is filling part of the gap.

Carrier admitted that he has had to turn down contracts because of the lack of space, representing missed opportunities of « tens of millions of dollars, not only for MELS, but also for the Quebec economy. »

« Montreal’s expertise is in high demand, » said Montreal Mayor Valérie Plante, who was present at the announcement.

She said she received great testimonials from « Netflix, Disney, HBO and company » during an economic mission to Los Angeles in 2019.

« What stands out is that they love Montreal because of its expertise, knowledge and beauty. We need more space, like MELS 4, » she said.

There is still not enough capacity in Quebec, acknowledged Minister of Finance, the Economy and Innovation Eric Girard.

« It is certain that the government is concerned about fairness and balance, so if other requests come in, we will study them with the same seriousness as we have studied this one, » he said.

Grandé Studios is the second-largest player in the industry. Last May, the company said it had expansion plans that should begin in 2022. Investissement Québec and Bell are minority shareholders in the company.

For its part, MELS will have 400,000 square feet of production space once MELS 4 is completed. The company employs 450 people in Quebec and offers a range of services including studio and equipment rentals, image and sound postproduction, visual effects and a virtual production platform.

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