• PC Optimum Points | How to earn more points fast!

    PC Optimum Points is one of the most popular loyalty programs in Canada. It’s probably the #1 retail loyalty program in the country and you should definitely join it if you’re not already a member. [...]

  • 8 Hotel Booking Tips to Ensure You Get the Best Value When Booking Hotels Online

    Do you struggle when deciding which property to pick when booking hotels online? It can be tricky, considering how many hotel or accommodation options most cities have. There are so many factors to consider that [...]

  • Get Over Your Fear of Spending!

    Ever since I’ve started this blog, I’ve focused on saving money, paying off debt, loyalty points, and travel. What’s interesting is that as I’ve become more comfortable with my money, I find that I spend [...]

  • The new tangerine credit card

    Newly Launched: Tangerine World Mastercard® Review

    A few years ago, Tangerine introduced their Tangerine Money-Back Credit Card which was widely embraced by consumers. It was the first, and still, the only credit card that allows you to choose your own categories [...]

  • how much does it cost to go to france paris

    How Much Does it Cost to go to France?

    Do you dream of eating macarons in Paris, drinking wine in the French countryside, or exploring coastal seaside towns? You’re not alone. France is one of the top tourist destinations in the world, and for [...]

About Barry Choi

I’m a Toronto-based personal finance and travel expert who frequently makes media appearances. My blog Money We Have is one of Canada’s most trusted sources when it comes to money and travel.

As a completely self-taught, do-it-yourself investor with no formal training, I make money easy to understand for all Canadians. I combine my knowledge of finance with my passion for travel and encourage people to see the world.

My specialties include personal finance, budget travel, millennial money, credit cards, and trending destinations.



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Work with me

Freelance Writer

I’m a professionally trained writer available to write for you. Brands I’ve written for include Tangerine, MoneySense, PC Financial, RateHub, Rate Supermarket, Skyscanner, Intrepid Travel, Greedy Rates, and KnowRoaming.

Brand Ambassador

I work with brands to get their messaging across in an authentic way that audiences can relate to. I’ve worked with brands such as BMO, PC Financial, Tangerine, CIBC, Expedia, Starwood, Tourism Germany, KAYAK, and Trip Central.


I provide insight on how to successfully work with influencers. As an established voice in the Canadian personal finance & travel communities, I’m able to make personal recommendations based on your campaign needs.

Browse the blog for more great tips!

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