18 Ways To Save A Bundle By Repurposing Your Wardrobe

18waystosaveabundlebyrepurposingyourwardrobe.jpgWhen clothing shrinks, gets stained, or no longer fits…

Your first impulse might be to toss it into a donation bin.

But think again!

Canadian Smart Savers know how to take those pieces and turn them into something new. Whether it’s a refreshed outfit, a tote bag, or something beautiful for their home.

Here are some creative ways to turn old clothing into something NEW.

Give Clothes A New Life

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Best Cash Back Credit Cards in Canada 2017

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You could be earning up to 3x the cash back by choosing the best cash back credit card compared to just walking into your bank and taking whatever one they offer you.

For example, if your family spends a reasonable $25,000 annually on credit, you would net $125 in cash after fees with the worst cards. The top ranked card on my list would earn you $411 every year - big difference, eh?

But, there's more than just max cash to consider...

You also need to think about annual fees, sign up bonuses, increased cash on purchases like gas and groceries, insurance coverage, and other perks. Not to mention subtle details like how the cash back is paid to you (statement credit, cheque, direct deposit), caps and tiers on your earnings, and how often the cash is paid out.

I've taken all these things into account - and more - with my unbiased ranking system. You won't find that anywhere else.

2017 Cash Back Credit Card Rankings

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The War on Debt: Here, Have a Debt Sandwich

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I hope at some point in the future I will feel empowered by this attempt at debt repayment…

But right now, I feel nothing but anxiety.

The process of poring over bank statements to fit our expenditures into categories—as I rack my brain to remember my purchases—is exhausting.

Remind me why I’m looking at these ugly, red numbers?

I know why.

I ached to go to Ireland this year. An esteemed friend and writing mentor of mine is conducting a ten-day writing workshop on the Fair Isle this spring. An expensive trip, but the trip of a lifetime, with an itinerary to make any lover of both travel and writing salivate.

I heard about it a year ago, but behind my polite smile, I knew there was no way I could afford to go, much less bring my husband, who needs a vacation as much as I do.

This is the power of money. It represents either freedom or bondage, and it appears I’m not the only one in chains.

In September 2016, Statistics Canada reported that Canadians owe $1.67 for every $1 of disposable income. And later on in December, Equifax announced that the average Canadian consumer debt load had grown to $22,081—which doesn’t include mortgages.

Three-Step Process

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14 Ways to Save Money on Car Insurance

14waystosavemoneyoncarinsurance.jpgWhen it comes to car insurance…

Are you paying more than you should?

Many people know the obvious ways to save, like shopping around for the best price or comparing quotes online. But...

Did you know you could save money by:

Want to trim your car insurance costs?

Here are 14 ideas to get you started:

1. Shorten Your Commute

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