Spending

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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is paying an annual fee worth it

Is Paying an Annual Fee Worth it?

For the longest time, I hated paying fees for banking and services. Why would I pay money when I don’t have to right? Well, over the years my stance on fees has changed quite a bit. I’m still totally against monthly banking fees (I need to pay you to hold my money?), but paying an…

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credit card hacks travel

Credit Card Hacks: How to legally maximize your points and cards

Credit card hacks are some of the easiest things you can do. Heck, you’re likely already doing some of these hacks and you don’t even know it. I’m not talking about real hacks that will get you in trouble with the law, but rather, these credit card hacks focus on perks and benefits that come…

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Earning Rewards on Your Everyday Spending has Never Been Easier

As someone who’s obsessed with points, it really bothers me when I’m shopping and the person in front of me isn’t using a loyalty card or credit card that earns them points. I certainly understand if they don’t shop there on a regular basis and they’re just making a quick purchase or they have a…

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Secured vs Unsecured Credit Cards

By now we all know there are numerous types of credit cards; cash back, rewards, travel, balance transfer, etc. But, did you also know that there are secured and unsecured credit cards? What is a secured credit card? What is an unsecured credit card? Is one necessarily better than the other? Depending on your situation,…

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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 more now. Part of that is because I now own a home and have a daughter, but I also believe…

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Is PC Optimum the Best Retail Loyalty Program

IS PC Optimum the Best Retail Loyalty Program?

**This is a sponsored post written by me on behalf of PC Optimum. All opinions are my own. Without a doubt, my favourite loyalty program is PC Optimum. Now, you may be wondering if that’s actually true since this post is clearly sponsored by PC Optimum, but I’ve been using PC Plus (now PC Optimum)…

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great canadian rebates review

Great Canadian Rebates Review

GreatCanadianRebates.ca has been around for quite some time, but many people still aren’t familiar with the site. To simply put it, Great Canadian Rebates (GCR) allows you to earn cash-back on your online purchases! This isn’t exactly a new concept, but GCR has the distinction of being 100% Canadian and is designed for Canadian customers.…

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how to earn more travel rewards points

How to Earn More Travel Rewards Points

People are constantly asking me how to earn more travel rewards?  You see, I travel 3 – 4 times a year and for every trip I take, there’s a good chance that I’m claiming points in some capacity. Earning points is easy when you have one of the best travel rewards cards, but how do…

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Is Your Kids’ FOMO Ruining Your Finances?

We all know what FOMO is right? If not, it’s an acronym for fear of missing out. FOMO has become a huge thing as of late – okay, maybe it’s just a popular term to describe Millennials, but it really is the new keeping up with the Joneses. Many of us simply see what our…

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