Spending

7 Reasons Why Your Credit Card Application Was Denied

Applying for a new credit card should be a pretty straightforward process. You find a card that you’re interested in, you put in your personal information, and you hit apply. If things go well, you’ll be approved instantly. However, sometimes, there’s not an immediate decision and you need to wait 7-10 business days to see…

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PC Insiders review

PC Insiders Review | Get 25,000 points ($25) for free

PC Insiders has been around for a few years now, and many members (myself included) swear by it. The ability to earn additional PC Optimum points and all the extra perks easily made the annual fee worth it. However, the biggest complaint about the program was that it didn’t benefit everyone. It appears that PC…

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10 Tips for How to Save on Online Shopping

10 Tips for How to Save on Online Shopping

Online shopping has been a popular shopping method of choice for many Canadians who appreciate the ease of being able to do it from the comfort of their own home. However, during COVID, the demand for online shopping has been on the rise. According to a study by Statistics Canada, retail e-commerce sales reached a…

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How to Apply for the CERS benefit

Canada Emergency Rent Subsidy (CERS) |How to Apply for CERS

The Canada Emergency Rent Subsidy (CERS) was recently announced and will replace the Canada Emergency Commercial Rent Assistance (CECRA) program. The CERS will be similar to the CECRA in the sense that it’ll provide rent relief for small business owners, but the updated version is much better since it allows you to bypass landlords for…

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Canada Recovery Sickness Benefit (CRSB)

Canada Recovery Sickness Benefit (CRSB) | How to apply and how much you’ll get

As of October 5, 2020, the Canada Recovery Sickness Benefit (CRSB) is now available to employed and self-employed individuals who can’t work because they’re sick or need to self-isolate due to COVID-19. Those who are at a higher risk of getting COVID-19 due to health reasons would also qualify for the CSRB. The CSRB pays…

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The Best and Worst Loyalty Programs in Canada

The Best and Worst Loyalty Programs in Canada

Loyalty programs are all the rage these days. Just about every retailer seems to have one. It makes sense, by offering your customers something, they’ll hopefully stay loyal to the brand and spend more. Despite the fact that you may be giving up some of your data, I see loyalty programs as a good thing…

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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. In case you didn’t know, PC Optimum is the merged program of Optimum and PC Plus. This merger took place…

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Employment Insurance Replacing CERB | What you need to know

The Canada Emergency Response Benefit (CERB) is set to expire at the end of August, but the Canadian government has announced that the $500-per-week benefit is being extended by four weeks. Once the CERB ends at that time, things will transition over to a simplified Employment Insurance scheme, which will have three different payment programs. …

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A Costco Membership Breakdown: Is the Costco Executive Membership Really Worth It?

Are you thinking of becoming a Costco member? Many Canadians are, and for good reason. Costco is a bulk store that offers pretty decent discounts for buying, well, in bulk. A Costco membership is more than just being able to buy large quantities of chicken breasts or paper towel rolls at a time.  While the…

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Best-Before-vs.-Expiry-Date

Best Before vs. Expiry Date: What’s the difference?

As a shopper, it is easy to be confused between the best before dates and expiration dates. Quite often people think that they’re the same thing and end up throwing out food that may still be good. This is an obvious problem as you’re creating food waste for no reason. Knowing which foods have expiration…

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