Why Do Oreos Always Go On Sale for Father’s Day?

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We don’t buy a huge number of packaged cookies as I like to bake when I’m stressed. (Yes, we do eat a lot of cookies; Yes, if you follow that to its logical conclusion I should get back to my T’ai Chi or change jobs.) When I do buy store cookies, I usually try to choose ones that I can’t make easily at home or the weirdly coloured and textured things my children like best. For years, there were certain high-fat cookies I just wouldn’t buy. However, once a year, I would buy a pack of Oreos for my husband to dunk in milk. I used to get them for his birthday, till the children joined us and I realized that Oreos always go on sale for Father’s Day.

Hiding somewhere in the house right now is a family-size pack of Double Stuf Oreos. They cost $1.88: a considerable cost-saving over the regular price for the large bag of Oreos. But why do the stores consider Oreos a good loss-leader for Father’s Day?

Do most men like icing-filled cookies? Or only men with children? Do they want to have cookies and milk and it’s more socially acceptable if they are Oreos which need to be dunked?

I may never know. What I do know, though, is that if you are trying to save money, buying packaged cookies is usually not the right choice.

Which Is Cheaper? A Box of Those Foil Bags Each Containing One Serving of Cookies or Baking Your Own Batch?

My children succumb to peer pressure sometimes just like normal people’s children. So one day I got asked to get a box of 6 single-serving packs of miniature chocolate chip cookies.

Because it’s my kid we’re talking about, my child had no trouble understanding that I wouldn’t be buying them until they were on at least partial sale. So when they were priced at 2 boxes for $5 I caved and bought one. (You have to watch which store you’re at: At Sobey’s a 2-for-Price is usually the same as a 1-for-Half-that-Price. At Longos, there’s usually fine print that says “or 1 for 2.99” or something similar.)

As I walked home, I read the box. There were 6 packs inside and the boxed weight was 180g. Yikes. For most cookies around here if you pay a $2.50 sale price you get 250-350g of high-caloric junk. Right away you can see these little “lunch bags” of cookies are over-priced.

Some fast math would suggest it’s still cheaper than buying the ingredients to bake, say, chocolate chip cookies. After all, the sale price for a one-batch bag of Chipits was also $2.99 that day.

But, as I remembered, that’s a 350g bag of Chipits.

What Does a Batch of Chocolate Chip Cookies Cost to Bake?

I inherited, unfortunately, a kitchen scale a couple of years ago, so when I got home, I weighed out the 2 cups of flour that would go with the Chipits. Then I weighed the other stuff to make a batch of cookies.

  • 337 g Chipits (yah, sure, YOU never eat a handful out of the bag when stirring the batter: I’m an HONEST Crooks)
  • 214 g flour (that’s my approximate 2 cups. YMMV)
  • 65 g white sugar
  • 130 g brown sugar
  • 155g butter; plus
  • 42g eggs

equals 943 g of ingredients

I’m refusing the weigh the baking soda, salt, vanilla extract and secret ingedient.

So for $2.99 we get about 943 g of chocolate chip cookies.

Rats. You spotted that did you? Sigh. The things I do for this website.

Ok. Here are some more costs:

  • Chocolate chips, on sale, but not the best sale ever, and not as good as a sale on the bulk-size bag, and for Chipits not no-name chips: $2.99
  • Flour $0.50
  • White sugar $0.10
  • Brown sugar $0.30
  • Butter $1.00, plus
  • Eggs $0.50

I’m not adding in the baking soda, salt, vanilla extract and secret ingredient here either. So there.

Ok, the actual retail value is $5.39. So call it $5.50 including the vanilla. You can get this total MUCH lower if you shop the sales carefully.

That’s $5.50 for 943g of cookies.

(You see how much cheaper it would be to make Oatmeal Cinnamon with no chocolate chips, by the way? Or lemon sugar?)

Rats. I guess there’s also some electricity cost for baking them. Although I could make rum balls without an oven….

Let’s lie and say the electricity is $0.50 until I can figure out some easy way to get a real number.

[Ok, I checked and at off-peak rates baking two trays at once, it’s about 13-53 cents, so I’ll stick with this number. The BC Hydro number of 13 cents is probably more accurate. You can optimize oven costs by using an oven already hot from roasting something, etc., too, but that should be in an article on reducing electricity costs.]

That makes it $6 for 943 g of chocolate chip cookies.

That’s about $1.15 for 180 g.

The little foil pouch ones are $2.50 plus HST for 180g.

That means it costs about $1.35 more to buy the ready-made ones.

Saving $1 doesn’t sound like that much until you consider just how many cookies the average children eat in a typical year. Especially when you remember one of those boxes of foil pouches gets you to Wednesday if you have two children. The batch of homemade gets you through three 5-day school weeks for two.

(For best results, bake only a few days of cookies at one time. Shape the rest of the cookie dough into cookies on a baking sheet, freeze them, freezer bag the little unbaked cookies, keep frozen till almost ready to use, thaw the desired number for 15 minutes, then bake as if freshly stirred. Fresher cookies for almost no extra work. Yum!)

Note: I could say the homemade ones taste better. But children don’t always agree: they agree they taste different, but they like both. Just as I actually like KD. I would NEVER call it macaroni and cheese, though, which is an entirely different thing including, among other things, real cheese. The two kinds of cookies are like salmon and tilapia. They both have their own textures, smells and flavours. (And adults usually prefer salmon.)

Does White Sugar Also Go On Sale Every Father’s Day?!

One thing I noticed reading through the flyers to get some item costs is that almost every store has 2 kg of white sugar on sale this week for $1.97. That’s a reasonable price, though not amazing. Does it always come on sale this week? I’ll have to remember to start checking every June. If so, perhaps there are some weird psychological decisions being made in Marketing Land about gifting sweetness to Fathers?

Or maybe it’s just because these first local strawberries tend to be a bit tart?

A Thank You To Readers of Financial Crooks from my Well-Treated Husband

By the way, my husband thanks you for inspiring this article because now he’s getting Oreos AND chocolate chip cookies for Father’s Day. (You didn’t think I’d measure out all of those ingredients and then just put them away did you?!)

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Do you bake to save money? Or just because thumping bread dough keeps you from thumping your boss or co-workers? If you’ve solved the mystery of the Oreo pricing, we’d especially like to hear from you! Please share your incisive insights with a comment.

How to Confirm the Link and Transfer Money Between Your Tangerine Account and Your Other Bank Account

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A few days ago, I signed into my Tangerine account and set up a new link to an external bank account. In other words, I created a link between my Tangerine Savings account and our joint chequing account at a large Canadian bank. All from the comfort and privacy of my own home! As required, I waited for Tangerine to deposit 2 huge sums of money into my Big Bank account as a test of the link. Once those deposits were in, I went online to confirm the link and to test a transfer of my own money from our joint chequing account to my Tangerine savings account.

How to Confirm the Link from a Tangerine Account to a Different Bank’s Account

As part of the setup process, Tangerine deposits two amounts into your account at your other bank, credit union or financial institution. Once the money appears in your transaction history or passbook, you can use the amounts of those two deposits to confirm the link between the accounts.

So first I updated my passbook at a Big Canadian Bank.

(Yep: I have a passbook! There’s no electronic access, actually, to that joint chequing account. And nope we don’t pay any fees for the account. That’s the benefit of “grandfathering” and of opening an account in the days before Blue Gray Gnatcatchers added Ontario to their range.)

Now comes the easy part: confirming the link at Tangerine.

  1. Sign in to your Tangerine account.
  2. From the list on the left side of the screen, click on My info and options.
  3. Click on Links to external accounts.
  4. Beside the name of the new account you’re adding the connection to, click on the Confirm button.
  5. Read the instructions. Then type in the amounts that were deposited in your non-Tangerine bank account. Then click on the Confirm button.

If all goes well, you’ll get the message: You’ve successfully validated a new linked account.

How Long Did It Take Tangerine to Link the Accounts?

  • I added the External Account to my list on Monday.
  • The amounts were deposited overnight on Tuesday night and I could get the numbers on Wednesday morning.
  • I just confirmed the account Wednesday evening.
  • That’s about 2 days: Pretty good!

How to Transfer Cash from my Big Canadian Bank to My Tangerine Savings Account

Now to raid my husband’s hard-earned money!

  1. From the list of links on the left of the screen, click on Move my money.
  2. Check the currency selected is correct. (CAD for Canadian dollars is selected, or you can click on USD for US dollars.)
  3. Type how much money you want to transfer in the Amount text field.
  4. From the From drop-down list, select the account from which you wish to withdraw the money.
    For example, you could make a withdrawal from your account at

    • a Big Canadian Bank,
    • a credit union,
    • a trust company,
    • another financial institution or even
    • PC Financial.
  5. From the To drop-down list, select the account into which you wish to deposit the money.
  6. In the When field, click to select one of
    • Now
    • Later; or
    • Ongoing.

    Ongoing is for a steady stream of withdrawals, for example once a week or once a month.

  7. Click on the Next button.
  8. Review the details on the You’re almost done screen. If they are ok, click on the Confirm button.
  9. Make a note of your confirmation number in case anything doesn’t work.

Note that it may take 2 business days for the money to be transferred AND there will be a hold placed on the funds after it arrives so you can’t immediately spend it. (Tangerine will start paying interest once the money lands in your account, though.)

Sign Out of Tangerine Safely

  • If you have no other banking, click on the Log me out link.
  • For increased security, clear your browser cache and close your browser session.

That’s it!

And apparently I made 23 cents for doing this as so far Tangerine has not debited any of my accounts for the amount they deposited in my Big Bank Account!

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Do you shuffle your money from bank to bank like a gambler arcing a deck of cards through the air? Has your money ever gone astray? Please share your experiences with a comment.
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