Deals and Tools

Hot deals and money tools for smart savers

This is a one-stop page for products and tools that I use and recommend to get the best deals.

No fluff. Let’s go straight to the list of products, tools and deals I use and think are valuable:

Credit Cards

Not afraid to say it. American Express Gold Rewards is my favourite credit card in my wallet. Flexible rewards, 2x points in 4 bonus categories, 25,000 point sign-up bonus, 10 different type of free insurance, and more.

MBNA Rewards World Elite Mastercard is my go-to credit card. Not only because it’s more widely accepted than Amex. But also it offers 2% flat cash back. 10,000 point sign-up bonus, flexibility between cash or travel rewards, and more.

Having trouble choosing? You can take this credit card quiz. I also update my list of best credit cards in Canada every year. Or if you want to investigate and do your own comparison, check out my list below.

Also read how to get a credit card annual fee refund.

No-Fee Banking

Why pay for day-to-day banking when you can get it for free? I use Tangerine. Use my Orange Key and get a $50 bonus. ‘Nuff said.

Here's My Orange Key: 41502230S1

Rate Comparers

Credit Cards Rewards Rankings and Comparison

I’m working hard on building a one-stop shop for all things credit cards: news, rankings, comparisons, reviews, and more. Stay tuned for creditcardGenius.

Compare Mortgage Rates

Home ownership is serious business. After deciding on the house, next up is researching the best rates. Here’s the tool by RateSupermarket.

Compare Car Insurance Rates

Don’t pay more than you should on car insurance. Shop around for the best rate, here’s a comparison tool by Kanetix.

Investment Fee Calculator

Investing on auto-pilot? Not everyone is up for DIY investing like me. I get it. Here’s a relatively new site that compares costs from different providers.

Travel

Even if I’m only a baby travel hacker, I’ve enjoyed getting free flights and free hotel accommodations in North America, and Europe. (I even flew my in-laws to Asia first-class...using points.) Read Intro To Points And Miles For Travel Hacker Wannabes.

Find cheap flights using my list right here. Score cheap hotels using my priceline tutorial. Don’t miss my best travel credit card rankings.

Shopping

Groceries

Download this Grocery Store Price Comparison Spreadsheet - and do your own calculations to get the lowest prices. (Or if you’re looking for grocery apps, you can also check out this list. Or make your own coupon binder.)

Free Shipping

You can bookmark this list of Canadian stores with FREE shipping. Or download this 1-page list of the top 20 stores that offer free shipping.

Getting the Best Deal

Mastering the art of stacking is learning the secret sauce of getting the best deal.

Trim Your Expenses

Car

Quick list of resources to trim your car expenses:

Gas

Save on gas without changing your driving habits. A list of best credit cards for gas discounts.

Bills

Things to consider:

Entertainment

Smart Savers don’t need to be stuck at home, having fun is part of life:

And if you’re looking to stay in, couple of ideas:

Extra Money

From time to time, I update this list of available free gift cards of up to $100 to popular stores.

Can anyone really afford to ignore legit free money? Here’s 14 ways to get some.

Looking for ways to get MORE money in your pockets?

Rewards

Sure, these programs are meant to create loyal customers out of us. Does it work? Sometimes. I’m a member of about 30 rewards programs. But here are my two favourites:

Shoppers Optimum

The best rewards program in Canada. Period. You’re a pro if you’re willing to wait for big sales, get the 20x bonus points, and/or redeem points.

Aeroplan

Aeroplan gives amazing value if you redeem your miles for flights and if you’re willing to be flexible. What an Aeroplan Mile is worth? I tell you in this post. Or if you want to read later, get this free PDF download.

(Ok, what about Air Miles, you asked? It’s NOT my favourite. But if it’s yours, then here are 5 best ways you redeem your Air Miles. Want the PDF version? You can download it too.)

Disclosure: Some links in this article may be affiliate links. We're letting you know because it's the right thing to do. Here’s a more detailed disclosure on how HTS makes money.

Comments

Ian
Ian's picture

You have a great guide on how to save money on gas "without changing your driving habits", but I think it would be awesome to write up an article on basic good driving habits that many people lack. Ie people love to accelerate into red lights instead of coasting, which wears break pads prematurely and quite literally wastes gasoline by converting it into useless heat. On the freeway, doing 120 km/h instead of 100 burns 20% more fuel per km due to a massive increase in wind resistance... obviously 100 is too slow for our highways, but doing 105 instead of 120 results in huge fuel savings!

There's quite a few tips here: http://www.nrcan.gc.ca/energy/efficiency/transportation/cars-light-truck...

May 03, 2017 @ 4:40 pm

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