There are many ways to save money on monthly expenses, from getting rid of cable television to finding a cheaper cell phone plan. While cutting out some of these incidentals can save a couple of hundred dollars a month off monthly expenses, there are other ways that you can save money that may take more than a few phone calls. Have you considered other ways in which you can save money? How much are you paying for your car every month? Is your interest rate high? Refinancing your auto loan to a lower rate could lower your monthly payments and save you a bundle over the life of your loan. Here are some tips on refinancing your auto loan:
Welcoming a new baby into your home is a special time. So chances are that you want to try to create the best nursery ever for your bundle of joy. While this is completely understandable, it’s not financially achievable for many people. After all, the decorations and furniture in a nursery soon become obsolete as a child grows. And spending too much initially means less to spend on clothing, books, toys and more as the months go by.
The good news is that you can still create a dreamy nursery for your baby without spending an excessive amount of money. Here are a few tips on how to do that!
Be Realistic About What You Can Spend
One of the biggest factors that can cause overspending when designing a nursery is not having a set budget beforehand. It’s a bad idea to just jump online or head to the store and start making purchases. Sit down and work out how much money you can realistically afford to spend on creating the nursery. [Read more…]
So far, 2016 has been a year of change, adventure and fun at every turn. And those are all themes that are going to be continuing for the rest of the year too. With my upcoming wedding on October 1, a honeymoon in Ireland, a move to a new city later in October and the purchase of a new house, we’ll be busy every minute for quite a few months…and loving every minute of it!
Knowing we’ll need to purchase a house soon, I’m already starting to look into the many details involved in the process. From finding a good lawyer to draw up the paperwork to investigating the current prices in the markets we’re looking at, being prepared gives me the confidence that we’re making the best choice for our family’s future. And a big part of that process is making sure that we have the best mortgage available.
Luckily, finding a great mortgage is something I can do in seconds thanks to RateSupermarket.ca! This online insurance comparison website lets us quickly and easily check current available mortgage rates anywhere in Canada so that we can find the best one for us in just seconds. [Read more…]
Spring cleaning is one of those yearly events that I always used to put off as long as possible. But now, living with a man that not only loves a clean house but also works hard to keep it that way, I’ve had no choice but to embrace the cleaning lifestyle and make spring cleaning a priority. Luckily, I’ve learned quite a few tricks for making spring cleaning easier, faster, and even affordable! Getting ready to do some cleaning of your own? Here are some step-by-step tips for getting your car, yard and closet ready for summer!
Cleaning the Car
- Start by taking off your winter tires and getting an oil change so that your car is ready for summer fun. Don’t forget to also check the levels of your brake fluid, antifreeze, transmission fluid and washer fluid while you’re at it!
- Next, spray the car exterior to remove dirt and salt from slushy winter roads. Salt and other snow-melting chemicals can do some serious damage to metal if left on too long, so make sure to wash that exterior thoroughly!
- Finally, get the interior sparkling! Vacuum floors and seats, using an upholstery brush attachment if possible, and then spray the fabric with Febreze fabric refresher to remove unpleasant winter odours and leave your interior looking and smelling brand new! Right now, save $0.75 on Febreze with P&G Everyday Printable Coupons!
March is always synonymous with spring but in my self-employed life, it’s also synonymous with taxes! Organizing a year of income and expenses is always something that I’ve had a love/hate relationship with. On the one hand, I love seeing how successful my year has been. On the other hand, going through all that information is hard work and can occasionally take weeks!
That’s why keeping my information organized is a must for me, and luckily, Master Lock has been helping me do that for years now! If you’re getting ready to tackle your taxes, these tips may help you get the job done quicker…and keep you organized for next year too! [Read more…]
Having a child head off to university for the first time can be pretty overwhelming. In addition to dealing with all the emotions of seeing a child leave home for the first time, there’s also a lot of extra expense! It will probably just take time to get a handle on those conflicting feelings of pride and loss but luckily, there are lots of ways you can help minimize the impact on your pocketbook! Looking for ways to save on those never-ending university costs? These are three tips that may help!
Live Off Campus with Friends
Living on campus can be surprisingly expensive, especially since it often means eating out rather than having access to a kitchen so a student can buy groceries and cook at home. Instead, consider combining a valuable investment with cost savings for your child by buying a nearby house your child and a few friends can rent from you to help minimize the cost. Have a child going to school in Burnaby? Check out the real estate near Simon Fraser University to see if there’s a house with three or four bedrooms at a reasonable price. Since property near universities is always in demand, you’ll likely be able to sell the property at a great price when your child finishes school! [Read more…]
Ever since I started filing my taxes, I’ve been the do-it-yourself type. Each year I’d pick up my tax booklet at the post office, work through the forms and mail in my completed return. Initially that job was pretty easy. With a single T4 and not many deductions to claim, filing really couldn’t have been easier. Then I had children, bought a house and started my own business. Suddenly my taxes got a lot more complicated and took a lot longer. But I still did the work myself and up until last year, I still used the old-fashioned paper and pen.
When filing my 2014 taxes, I upgraded to online software for the first time. I loved the ease of use, but the price tag wasn’t so great. Because I was self-employed and had investment income, the software cost $50 for a single return! Since I had to pay quite a bit in income tax already, every extra dollar I lost filing hurt a bit. And with my return for 2015 being even more complicated as I’m paying GST for the first time, I wanted to find the most effective filing method possible this year…at the best price.
If there’s one thing I’m notorious for, it’s using any excuse to have a celebration. And in my opinion, one of the best days for celebrating is February 29! After all, it only comes once every four years, so why not make the most of it?
From a little family party to a movie night out, there are all kinds of ways to make Leap Day extra special. And if you’ve been thinking about doing a little online shopping sometime soon, Ebates.ca has a great Leap Day promotion that will help turn your shopping experience into a celebration too!
Ebates.ca is one of Canada’s most popular cash-back sites, and with good reason. Earning money is as simple as signing into your account and then hopping over to your favourite store from the Ebates website. Every purchase you then make will earn you credits that Ebates sends out in the form of a big fat cheque! [Read more…]