A Surprising Way To Save $50 On Shaving

asurprisingwaytosave50onshaving.jpg

I love to save money where I can.

After all, a penny saved (or a nickel now) is a penny earned, right?

So, while you can probably find amazing deals (whether through Dollar Shave Club) or your local flyers…

I’m going to suggest that the best way to save money with shaving is go to back to the future and use a very old technology:

Double-edged safety razors.

Old is new again

Keep reading » about A Surprising Way To Save $50 On Shaving

Basic Tax-Saving Tips for Investors

basictaxsavingtipsforinvestors.jpgI know there are civic minded citizens out there…

...who happily pay their taxes to pay for things like improved infrastructure, education and security.

But, what about the rest of us?

We grudgingly pay our taxes because we have to. BUT we’d rather keep our tax burden as low as possible. Fortunately, there are ways to do it.

Here are some basic investment vehicles that you can use to help save money on your taxes.

Non-Registered Savings Accounts

Keep reading » about Basic Tax-Saving Tips for Investors

The War On Debt: Reining In The Food Budget

thewarondebtreigninginthefoodbudget.jpgI must admit, I don’t even look at sales flyers.

The blue plastic bag is tossed on our driveway Thursday night. On Friday morning, I drop the whole thing straight into the recycle bin.

After talking with Katie Peterson, a registered dietitian, mother of five and meal planning expert, it looks like this is one more thing I need to change.

Katie’s blog is filled with tips on organization and time-savers, particularly for busy, young mothers. She also teaches how to eat on a budget (she calls it “Frugalicious” meal planning) via home parties and Facebook.

After speaking with her, I felt better about our $800 grocery bill in January, since she told me she aims for $780 per month for her family of seven.

“You have five adults,” she says. “Eight hundred is not too bad. I tried to cut back to $600 in January and found it quite challenging. But our grocery bill includes eating out, toiletries, laundry soap, coffee—everything.”

Of course, I didn’t admit that $800 was likely a cheap month. Sometimes we’ve spent upwards of $900. What usually blows it wide open is the purchase of convenience meals on a weeknight when we don’t feel like cooking, or eating out too often for the same reason.

This, Katie tells me, is the problem in most kitchens.

“If you want to stick to a budget, you need a plan. I’ve been doing it for 11 years, so now it only takes me about 30 to 40 minutes for the whole month.”

Frugalicious Meal Planning

Keep reading » about The War On Debt: Reining In The Food Budget

Best No Fee Cash Back Credit Cards in Canada 2017

thebestnofeecashbackcreditcardsincanada.jpg

Canadian banks love to gouge us with fees - even raising them while raking in record profits for themselves...

It's no wonder pretty much everyone hates fees!

I'm right there with you, I normally go out of my way to avoid fees too. I've been taking advantage of no-fee virtual banking basically since it began in Canada. I hopped right from a free student account into a no-fee President's Choice Financial account and have stuck with it ever since.

But, there are actually some times when it makes sense to pay a fee.

When dealing with cash back credit cards, simple math can show you if higher cash back rewards will cover the cost of a premium card's annual fee. If so, then it's absolutely worth it to pay the fee. Not only will you end up with more money in your jeans, but you'll also benefit from better insurance coverage and perks.

Even still, there are  many people who want to completely avoid fees out of principal. Fees suck and you may even be worried that paying the fee will pressure you to overspend. If that's you, then this no fee cash back card analysis is just what you need.

Best Cash Back Credit Cards With No Annual Fee

Keep reading » about Best No Fee Cash Back Credit Cards in Canada 2017

Pages