Shutterfly: 8×8 Hardcover Photo Book just $7.99 shipped!

Home » Deals » Shutterfly: 8×8 Hardcover Photo Book just $7.99 shipped! Published: by Gretchen on May 18, 2022  |  This post may contain affiliate links. Read my disclosure policy here. This is a RARE offer on a Hardcover Photo Book from Shutterfly! Through May 22nd, Shutterfly customers can get a FREE 8×8 Hardcover Photo Book when you use the promo code EXCLUSIVE at checkout! This is a HOT deal! Just pay shipping which is $7.99. Thanks, Hip2Save!

Should you loan money to someone who is house rich and cash poor?

Photo by Andrea Piacquadio from Pexels My daughter is 60, divorced, owns a house, perhaps $800,000 house value. She has a small mortgage and no savings of any kind. She lives on a line of credit and a credit card. Her only income is about $300 to $400 monthly CPP. She is wondering how best to manage. Should she sell now and rent for a short term?  She is worried about investing since CDIC guarantees only up to $100,000.  The next five years will be rough until OAS GIS kick in.

HOT Outdoor Patio Furniture Deals!

Home » Deals » HOT Outdoor Patio Furniture Deals! Published: by Meagan on May 16, 2022  |  This post may contain affiliate links. Read my disclosure policy here. There have been some great deals on patio furniture this week! Don’t miss these! Get this  Outdoor Wicker 5-Piece Bistro Patio Set for just $285 shipped when you use coupon code BCP5 at checkout. Choose from three colors. Regularly $650! You can currently get this Wicker 7-Seater Outdo

How to buy Polygon (MATIC) in Canada

Four FREE (Additional) At-⁠Home COVID-⁠19 Tests!

Home » Freebies » Four FREE (Additional) At-⁠Home COVID-⁠19 Tests! Published: by Meagan on May 17, 2022  |  This post may contain affiliate links. Read my disclosure policy here. You can get four free at-⁠home COVID-⁠19 tests right now! Starting this week, they have opened this to allow each household an additional 4 tests for FREE! So even if you already requested some, you can now request 4 more! If this is your first time ordering, you’ll be ab

Performance: The Ultimate Couch Potato Portfolio Guide

Photo by Malte Helmhold on Unsplash The MoneySense Canadian Couch Potato Portfolio Guide shows the many ways Canadian investors can access a couch potato portfolio. You don’t have to use exchange-traded funds (ETFs) to hold a couch potato portfolio, but ETFs are certainly the most common route to creating a sensible, low-fee, globally diversified portfolio. You’ll also find couch potato basics, plus links to the couch potato portfolio models. Here, though, I will compare the core couch

Starbucks Road to Paradise Instant Win Game (Win Free Starbucks Drinks, plus more!)

Home » Freebies » Free Food » Starbucks Road to Paradise Instant Win Game (Win Free Starbucks Drinks, plus more!) Published: by Meagan on May 16, 2022  |  This post may contain affiliate links. Read my disclosure policy here. If you love Starbucks, don’t miss this chance to play the newest Starbucks Road to Paradise Instant Win Game! You might win bonus stars, free drinks, gift cards, and more! (Want to save more on Starbucks? Check out my post on how I ju

Scratch Your Travels USA Map just $16.99 shipped!

Published: by Gretchen on May 11, 2022  |  This post may contain affiliate links. Read my disclosure policy here. What a fun way to keep track of all your travels! This popular deal is back! Jane has this Scratch Your Travels USA Map for only $16.99 shipped ! Simply use a coin or eraser tip of a pencil to scratch off the foil to reveal the bright colors of the states you’ve visited. Choose from seven designs. Psst! We love Jane! Looking for other great Jane deals? Check

Pyrex 22-Piece Food Storage Container Set only $29.99 shipped (Reg. $90!)

Home » Deals » Pyrex 22-Piece Food Storage Container Set only $29.99 shipped (Reg. $90!) Published: by Gretchen on May 13, 2022  |  This post may contain affiliate links. Read my disclosure policy here. This is such a great deal on storage containers! Macy’s has this Pyrex 22-Piece Food Storage Container Set for just $29.99 shipped right now! This is regularly $76 so this is a fantastic price. Reader Interactions Money Saving Mom® Comment Policy We lo

The tax implications of transferring a stock between spouses

Photo by Vlada Karpovich from Pexels My wife and I are joint owners WROS (with right of survivorship) of a stock we have owned for many years. If the ownership of the stock is changed to just her name, individually, no death involved, does her cost basis of the shares remain the same as it was when it was in our joint names? —Joe Transferring stock to a spouse: legal and beneficial ownership When taxpayers own an asset, they may need to consider the difference between legal and

3-Piece Outdoor Patio Wicker Bistro Set only $129.99 shipped (Reg. $200!)

Home » Deals » 3-Piece Outdoor Patio Wicker Bistro Set only $129.99 shipped (Reg. $200!) Published: by Gretchen on May 13, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Here’s a great frugal option for patio furniture! You can get this 3-Piece Outdoor Patio Wicker Bistro Set for just $129.99 shipped when you use the promo code BCPRELAX at checkout! This space-saving set of chairs with a matching accent table will transf

Roxy Women and Kid’s Apparel Under $20 + Exclusive Extra 15% off!

Home » Deals » Roxy Women and Kid’s Apparel Under $20 + Exclusive Extra 15% off! Published: by Gretchen on May 12, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Love Roxy brand of clothes? This sale has some really great deals! Zulily is having a sale on Roxy Women’s and Kid’s Clothing and Accessories and everything is priced under $20! Plus, when you shop through our link, you will save an extra 15% off at checkout! T

How to buy bitcoin in Canada (and find out where, too)

Photo by Worldspectrum from Pexels What’s the big fuss about holding bitcoin in Canada? If you’re a MoneySense reader, you already know that bitcoin is increasingly major news. The standard-bearer of cryptocurrencies (also referred to as digital or virtual currencies) has been soaring in value. Despite some pretty major fluctuations over the years, $1,000 of bitcoin purchased in 2010 (one year after the currency was established) was worth around $287.5 million at the end of 2020. And w

Top Canadian ETFs for this year and beyond

If you’re an investor or a trader, you may be interested this year’s MoneyShow Canada Virtual Expo. The live sessions share in-depth analysis and specific strategies on everything from stocks, bonds and exchange-traded funds (ETFs) to commodities, currencies, options and more. There are many sessions of interest, but journalist and MoneySense contributor Bryan Borzykowski will be leading Top Canadian ETFs for this year and beyond. Here are the details: What: Top Canadian ETFs for

7 Ways To Manage Burnout at Work

Work. A concept and aspect of our lives that, for many, has had many twists and turns over the last year and a half. Whether it was reduced hours, job loss, or the work from home transition because of the pandemic, we have all been shaped and molded by collective trauma in 2020 and 2021. These aspects, along with many joining the Great Resignation, have led to added stress about our future work lives. This rising stress can lead to burnout. There are many ways to manage burnout at work. But

ButcherBox Discount Code: FREE Shrimp for a Year!

Home » Deals » ButcherBox Discount Code: FREE Shrimp for a Year! Published: by Crystal Paine on May 10, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Have you been wanting to give ButcherBox a try? If so, don’t miss this ButcherBox discount code to get FREE Shrimp for a year! After doing my ButcherBox review a couple years ago, SO many of you were excited about trying ButcherBox and asked me if there’d be more discount

How long do debt collectors try to collect in Canada?

Photo by Liza Summer from Pexels Have you ever received a call from a collector? If you have some debt, you probably know that the collections process can be stressful—just hearing the phone ring can incite feelings of panic. Considering that nearly one-third of Canadians agree that they carry “too much debt”, it’s safe to assume a large portion of Canadians have had to deal with debt collectors and collection agencies at some point.  If you’re on the receiving end of collect

Adidas Women’s High Waisted Training Pants just $19 shipped (Reg. $45!)

Home » Deals » Adidas Women’s High Waisted Training Pants just $19 shipped (Reg. $45!) Published: by Meagan on May 5, 2022  |  This post may contain affiliate links. Read my disclosure policy here. This is a great deal on Women’s Adidas Pants! Get these Adidas Women’s High Waisted Training Pants for just $19 shipped when you use coupon code MSM54PM-19-FS at checkout! Choose from two colors: black or blue. Valid through May 9, 2022. Reader Interacti

Set of 3 Cuisinart Mixing Bowls only $9.99!

Home » Deals » Set of 3 Cuisinart Mixing Bowls only $9.99! Published: by Gretchen on May 4, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Need new mixing bowls? This is a great deal on these Cuisinart Mixing Bowls! Woot! has this Set of 3 Cuisinart Mixing Bowls for just $9.99 today! This is a great price on these highly rated bowls. Shipping is free for Prime members. Thanks, Hip2Save! Reader Interactions Money Saving

Making sense of the markets this week: May 8

Photo by Dan Loran from Unsplash Million Dollar Journey editor and Canadian Financial Summit founder Kyle Prevost shares financial headlines and offers context for Canadian investors. Canadian dividend darlings chugging along Canadian dividend investors had something to love and something to be cautiously optimistic about in recent earnings news. Energy giant Cenovus (CVE) made headlines when it announced a tripling of its base dividend to $0.42 per share, as well as a long-term commit

Furniture Protectors Under $22.50 After Exclusive Discount!

Home » Deals » Furniture Protectors Under $22.50 After Exclusive Discount! Published: by Meagan on May 3, 2022  |  This post may contain affiliate links. Read my disclosure policy here. These Furniture Protectors are perfect to keep dirt and grime off your furniture! Zulily has these Furniture Protectors on sale up to 55% off right now and everything is priced at $24.99 or less! Plus, you’ll get an extra 10% exclusive discount at checkout as our reader �

Church Hymn Kitchen Towels only $7.99 + shipping!

Home » Deals » Church Hymn Kitchen Towels only $7.99 + shipping! Published: by Gretchen on May 2, 2022  |  This post may contain affiliate links. Read my disclosure policy here. These Church Hymn Kitchen Towels are so pretty! Jane has these Church Hymn Kitchen Towels for just $7.99 + shipping right now! There are lots of designs to choose from. Shipping is $2.99 for the first towel and $0.89 for each additional towel shipped within the same order. Psst! We

The best metaverse coins to buy in 2022

Photo by jeshoots.com from Unsplash Imagine going to a rock concert with thousands of people from around the world, checking out virtual houses or earning cryptocurrency by playing blockchain-based games. This, and a lot more, is possible in the metaverse. But what is the metaverse? It’s a digital world that combines virtual reality (VR) and augmented reality (AR) to create an immersive environment. Even though the metaverse is still in its infancy, it’s viewed by some—including F

Outdoor 3-Seat Adjustable Canopy Swing Loveseat only $139.99 shipped (Reg. $360!)

Home » Deals » Outdoor 3-Seat Adjustable Canopy Swing Loveseat only $139.99 shipped (Reg. $360!) Published: by Gretchen on May 2, 2022  |  This post may contain affiliate links. Read my disclosure policy here. This Outdoor 3-Seat Adjustable Canopy Swing Loveseat is such a great deal! You can get this Outdoor 3-Seat Adjustable Canopy Swing Loveseat for just $139.99 shipped when you use the promo code BC52SEAT at checkout! A heavy spring structure connects th

Lessons learned by DIY investors

Photo by Arina Krasnikova from Pexels I recently asked a group of Canadian investors to describe their personal experiences in switching to lower-cost investing and to share the valuable lessons they learned along the way. This led to this three-part series, and it may help you determine whether a similar change might be right for you. In the first article “Switching to lower-cost investing”, one described real investor experiences with former advisors. And the second article “What i

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Home » Deals » Succulent Building Blocks only $9.99 shipped Published: by Gretchen on April 28, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Oh my goodness! These Succulent Building Blocks are so cute! Jane has these Succulent Building Blocks for just $9.99 shipped right now! These are SO cute and would make such fun little gifts. There are lots of different styles to choose from but hurry – these are selling out super q

Free Audiobooks.com Trial: 3 FREE Audiobooks! (Love-Centered Parenting is one of the options!)

Home » Deals » Free Audiobooks.com Trial: 3 FREE Audiobooks! (Love-Centered Parenting is one of the options!) Published: by Crystal Paine on April 30, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Looking for more free audiobooks to listen to? Check out this deal! (And be sure to check out my top favorites list of the best audiobooks to listen to!) You can also get a FREE 2-month Kindle Unlimited Trial right now, which gives you ac

*HOT* 5×7 and 5×8 Area Rugs less than $54 after exclusive discount!

Do bonds still make sense for retirement savings?

Photo by Quang Nguyen Vinh on Pexels Now that it’s clear interest rates bottomed some time ago and are well on an upwards trajectory, we’re seeing headlines declaring the “death of bonds.” Notable was the Globe Mail article by veteran columnist and author Gordon Pape, announcing he was “getting out of bonds.” What to expect from bonds Considering that Pape is well past the traditional retirement age of 65, that must have shocked many of his retired readers. But he warned i

*HOT* Carter’s: Baby Rompers just $6!

Home » Deals » *HOT* Carter’s: Baby Rompers just $6! Published: by Gretchen on April 28, 2022  |  This post may contain affiliate links. Read my disclosure policy here. These Baby Rompers from Carter’s are so perfect for summertime! Carter’s has their Baby Rompers on sale for just $6 today ! These are so perfect for summer days. There are lots of cute colors and styles to choose from. This is such a HOT deal and sizes won’t last long! Choose free in-

Earth Day 2022: It’s time to invest in our planet

Photo by Skitterphoto from Pexels Every year on April 22, the global Earth Day campaign brings attention to environmental issues and issues a call to action. This year’s theme is especially relevant to us: Invest In Our Planet. This year’s Earth Day focuses on combatting the existential threat of climate change in a tangible way: by shifting away from a fossil fuel economy and toward a green, carbon-neutral one. EarthDay.org, the global organizer of Earth Day, calls for individuals,

5 ways to invest sustainably for Canadian investors

Photo by Jacob Colvin from Pexels Sustainable investing means different things to different people. For some it is about avoiding certain activities or industries. Others see it as a more proactive approach—making a positive difference. Not just “do no evil” but being a force for change. A helpful way to think about the range of approaches is as a spectrum that runs from conventional investing all the way through to philanthropy. At one end of the spectrum, conventional investing

Leakproof Insulated Lunch Tote Bags only $10.99!

Home » Deals » Leakproof Insulated Lunch Tote Bags only $10.99! Published: by Gretchen on April 25, 2022  |  This post may contain affiliate links. Read my disclosure policy here. These Leakproof Insulated Lunch Tote Bags are so pretty and have amazing reviews! Amazon has these Leakproof Insulated Lunch Tote Bags for just $10.99 when you save an extra 50% off at checkout! These bags have hundreds of amazing reviews and come in several fun colors and designs

Do bonds still make sense for retirement savings?

Photo by Quang Nguyen Vinh on Pexels Now that it’s clear interest rates bottomed some time ago and are well on an upwards trajectory, we’re seeing headlines declaring the “death of bonds.” Notable was the Globe Mail article by veteran columnist and author Gordon Pape, announcing he was “getting out of bonds.” What to expect from bonds Considering that Pape is well past the traditional retirement age of 65, that must have shocked many of his retired readers. But he warned i

Salon Hairsprays for just $9! (Matrix, Redken, Living Proof, plus more!)

Home » Deals » Salon Hairsprays for just $9! (Matrix, Redken, Living Proof, plus more!) Published: by Meagan on April 25, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Running low on your favorite hairspray? Don’t miss this great sale at JCPenney! Right now, JCPenney has Hairspray on sale for just $10 ! Plus, you can use coupon code FAMILY9 to score an extra 10% off at checkout — which makes all of them just $9 each! C

Do bonds still make sense for retirement savings?

Photo by Quang Nguyen Vinh on Pexels Now that it’s clear interest rates bottomed some time ago and are well on an upwards trajectory, we’re seeing headlines declaring the “death of bonds.” Notable was the Globe Mail article by veteran columnist and author Gordon Pape, announcing he was “getting out of bonds.” What to expect from bonds Considering that Pape is well past the traditional retirement age of 65, that must have shocked many of his retired readers. But he warned

Brigette’s $86 Grocery Shopping Trip and Weekly Menu Plan for 6

Published: by Brigette on April 23, 2022  |  This post may contain affiliate links. Read my disclosure policy here. My older sister, Brigette, shares her shopping trips and menu plans every week! You can go HERE to see all of her weekly menu plans and you can go HERE to read all about her family! Aldi 1 3-lb bag Onions – $2.39 1 10-lb bag Russet Potatoes – $3.45 3 bags frozen Broccoli Florets – $2.85 3 Cucumbers – $1.77 1 3-lb bag Pink Lady Apples – $3.29 1 bunch

Can I withdraw from RRSPs to pay bills?

Photo by Tima Miroshnichenko on Pexels What are the cons to withdrawing RRSP savings of $25,000 to pay off some unexpected bills I have incurred? —Anonymous Withdrawing RRSPs when you’re not retired Ahh, the unexpected bills. Anonymous, I’ll give you my initial thoughts first, and then I’ll review the cons of withdrawing from your registered retirement savings plan (RRSP) to pay off unexpected bills. Assuming you’ve incurred the debt yourself and you’re not desperate—a

Under Armour Toddler and Kid’s Sneakers as low as $19.97 shipped!

Home » Deals » Under Armour Toddler and Kid’s Sneakers as low as $19.97 shipped! Published: by Gretchen on April 20, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Do your kids need new sneakers? Check out these deals on Under Armour shoes! Under Armour has Toddler and Kid’s Sneakers for as low as $19.97 right now! No promo code needed. Plus, shipping is free when you create or sign into your account (it’s free to join)

What are the risks of trading crypto?

Photo by Ivan Samkov from Pexels Thinking about getting into crypto? Bitcoin, ethereum and their multitude of smaller competitors have created a new world of investment opportunities. No doubt, the crypto economy is exciting, but proceed with caution. Cryptocurrencies are still considered highly speculative, and not only because of their massive price swings. Dramatic gains are possible, but so are devastating losses, and investors should understand crypto’s wide-ranging risks. Here�

PUMA Women’s 6 Pack Runner Socks only $6.76!

Home » Deals » PUMA Women’s 6 Pack Runner Socks only $6.76! Published: by Gretchen on April 20, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Here’s a great deal on PUMA Women’s 6 Pack Runner Socks! Amazon has these PUMA Women’s 6 Pack Runner Socks for just $6.76 right now! This is a great deal and won’t last long! Sign up for a free trial of Amazon Prime to get free two-day shipping (and possibly one-day or same

Homeownership: 3 Reasons to Buy A Home This Year

January 21 is “Own Your Home Day” and was established to encourage homeownership. Today, in early observance of Own Your Home Day this post discusses three major benefits of homeownership. Homeownership is a milestone financial decision. Are you on the fence about whether or not to purchase a home? You’re not alone! Purchasing a home is not an easy or lighthearted decision. First and foremost, you need to determine if you are financially ready for this purchase. After reviewing your f

*HOT* Get 3 FREE Months of Audible & Amazon Music Unlimited!

Home » Deals » Amazon Deals » *HOT* Get 3 FREE Months of Audible Amazon Music Unlimited! Published: by Meagan on April 16, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Whoa! If you love listening to audiobooks, don’t miss this HOT Audible discount! It’s so rare to see Audible deals like this! (Psst! Don’t forget about the FREE 2-month Kindle Unlimited Trial you can grab, too!) Note: Only new customers eligible

Old Navy: 50% off All Shorts, Dresses and Activewear!

Home » Deals » Old Navy: 50% off All Shorts, Dresses and Activewear! Published: by Gretchen on April 15, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Old Navy has some really great deals going on this weekend! This weekend, Old Navy is offering 50% off all shorts, dresses and activewear for the family ! No promo code needed. Get 50% off Dresses for Women and Girls ! Prices start at just $8! Get 50% off S

Custom Birth Flower Bouquets only $15.99 shipped!

Home » Deals » Custom Birth Flower Bouquets only $15.99 shipped! Published: by Gretchen on April 15, 2022  |  This post may contain affiliate links. Read my disclosure policy here. These Custom Birth Flower Bouquets would make great Mother’s day gifts! Jane has these Custom Birth Flower Bouquets for just $15.99 shipped right now! Customize it with up to 5 names/flowers and a specific phrase of your choice. Available in three different print sizes. These

Married with money: How to combine finances with your partner

Photo by Anastasiya Lobanovskaya from Pexels If you’re in a relationship, the topic of money will eventually come up. Since the pandemic started, couples have spent more time talking about money, according to a 2021 RBC poll. Almost half—47%—identified finances as one of the biggest stressors in their relationship. One U.S. study found that disagreements over money were a leading predictor of divorce. Whether you’re planning to cohabitate or you’re already living together and

*HOT* $5 off any $20 Kid’s Book Purchase from Amazon!!

Home » Deals » *HOT* $5 off any $20 Kid’s Book Purchase from Amazon!! Published: by Gretchen on April 12, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Yay! This book deal has finally returned! WooHoo! Amazon has *finally* brought back their well-loved book deal specifically on kid’s books this time! YAY! For a limited time, you can get $5 off a $20 kid’s printed book purchase on Amazon ! The discount comes off automat

What it’s like to transfer your account to lower-cost investing

Photo by Arina Krasnikova from Pexels I recently asked a group of Canadian investors to describe their personal experiences in switching to lower-cost investing and to share valuable lessons learned along the way. Their responses led to this three-part series and may help you determine if making a similar change is right for you. In part one, I described real investor experiences with former advisors.  In this part, I’ve included the perspectives of investors with the account trans

Eddie Bauer Men’s Joggers only $11.99 + shipping!

Home » Deals » Eddie Bauer Men’s Joggers only $11.99 + shipping! Published: by Gretchen on April 12, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Score these Eddie Bauer Men’s Joggers for under $12! Zulily has Eddie Bauer Men’s Joggers on sale for just $11.99 right now! These are regularly $55+ so this is a great deal. Choose from several colors. Shipping starts at $6.99. But if you place one order today, the rest of

How to buy Terra (LUNA) in Canada

Photo by Eberhard Grossgasteiger from Pexels If you follow cryptocurrencies, you’ve probably caught the buzz around Terra (LUNA), a token that recently reached new all-time highs. LUNA is the ninth-largest cryptocurrency by market capitalization, with a circulating supply of 350 million coins. LUNA may be a unique investment opportunity because it provides exposure to the stablecoin adoption story and to decentralized apps (dApps) within the Terra ecosystem. But before you jump in and

Betty Crocker Baking Mix, Chocolate Chip Cookie Mix (Pack of 9) only $6.95 shipped!

Home » Deals » Betty Crocker Baking Mix, Chocolate Chip Cookie Mix (Pack of 9) only $6.95 shipped! Published: by Gretchen on April 14, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Stock up on cookie mixes with this deal! Amazon has this Betty Crocker Baking Mix, Chocolate Chip Cookie Mix, Snack Size, 7.5 oz (Pack of 9) for just $6.75 shipped when you clip the 20% off e-coupon and checkout through Subscribe Save! Note: Once

How are you taxed when you sell a small business?

Photo by Andrea Piacquadio on Pexels I recently sold my company last year for $160,000 and purchased it for $90,000 in 1997. Can you please help me with the tax on this? I have called CRA many times and no one knows this simple process. —Peter The types of taxes you owe when selling a small business Sorry you have been having trouble getting an answer, Peter. I think one reason is the process may seem simple, but it is not necessarily straightforward. Selling a business has tax

Hot Deals on Play-Doh Sets!

Home » Deals » Hot Deals on Play-Doh Sets! Published: by Gretchen on April 13, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Amazon has some great deals on select Play-Doh sets right now! Get this Play-Doh Kitchen Creations Flip ‘n Pancakes Playset for just $5.99 when you clip the $2 off e-coupon! Get this Play-Doh Starter Set for just $5.99 when you clip the $2 off e-coupon! Get this Play-Doh Kitchen

How to buy Avalanche (AVAX) in Canada

Photo by Skorzewiak from Shutterstock Cryptocurrencies took another giant step towards legitimacy in the wake of Russia’s invasion of Ukraine. Crypto threw a lifeline to people desperate to cross national borders at a time when the financial system became strained, fiat currencies depreciated swiftly and access to physical money was limited. For this purpose—as well as innovations in decentralized finance (DeFi)—digital currencies are gaining ground on the slower, costlier and mor

Barbie 3-in-1 Dream Camper Playset only $40 shipped (Reg. $89!)

Home » Deals » Barbie 3-in-1 Dream Camper Playset only $40 shipped (Reg. $89!) Published: by Gretchen on April 12, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Wow! This is a really great deal on this Barbie 3-in-1 Dream Camper Playset! Target has this Barbie 3-in-1 Dream Camper Playset on sale for just $50 right now (regularly $89)! Plus, clip the Circle coupon to save $10 off a $50 purchase making this only $40 shipped!

Free Sample of Moroccanoil (Requires Alexa or Google Voice Assistant)

Home » Freebies » Free Sample of Moroccanoil (Requires Alexa or Google Voice Assistant) Published: by Gretchen on April 11, 2022  |  This post may contain affiliate links. Read my disclosure policy here. If you have Alexa or Google Voice Assistant, you can get free Moroccanoil! Right now, you can get a free sample of Moroccanoil when you tell your Alexa or Google Voice Assistant “Ask Send Me a Sample for Moroccanoil”. Thanks, Freebie Shark! Reader I

Watch: What Is the First-Time Home Buyer Incentive?

In 2019, the federal government introduced the First-Time Home Buyer Incentive, a program designed to make homeownership more affordable. But how does it work? Who’s it for? And is it always a good option for buyers? Through the First-Time Home Buyer Incentive, the government contributes to a home’s down payment, reducing the amount needed for a mortgage and making it easier for buyers to manage their mortgage payments. However, the incentive is limited to a subset of buyers, and eligibi

5 Ways to Prepare for the End of the Student Loan Payment Pause

The Department of Education announced that the student loan payment pause for federal student loan will continue through Jan. 31, 2022. After nearly two years of payment relief, student loan payments will return.  Due to the CARES Act, borrowers received the forbearance automatically, and the interest rate on their balances was set to 0%. The student loan payment pause allowed time for borrowers to deal with possible job changes/losses, or to accumulate emergency savings. Here are five ways y

Making sense of the markets this week: April 3

Photo by cottonbro from Pexels Cut the Crap Investing founder Dale Roberts shares financial headlines and offers context for Canadian investors.  Not good-bye, but see you soon After writing this week’s column, I will no longer make sense. My wife will offer that I stopped making sense a long time ago, but that might be in a general sense.   This will be my last installment for the “Making sense of the markets” column. I am stepping aside. The weekly column will continue with

The Children’s Place: Kid’s Shorts as low as $3.48 shipped!

Home » Deals » The Children’s Place: Kid’s Shorts as low as $3.48 shipped! Published: by Gretchen on April 7, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Reader Interactions Money Saving Mom® Comment Policy We love comments from readers, so chime in with your thoughts below! We do our best to keep this blog upbeat and encouraging, so please keep your comments cordial and kind. Read more information on our comment policy.

Personal Income Tax Guide: The deadline for filing your 2021 return, tax brackets and more

Photo by Ekaterina Bolovtsova from Pexels The year 2021 has been a year about money, from the latest crypto to inflation to housing prices to taxes. While money trends can go up and down—or up and up for certain matters—taxes can be more predictable, if you’re prepared. This year’s MoneySense income tax guide includes the things you need to know: the deadline for filing your 2021 return, which tax brackets you fall into, COVID-related tax breaks, often-missed tax deductions and more

Seventh Generation Laundry Detergent (66 loads) only $9.09 shipped!

Home » Deals » Seventh Generation Laundry Detergent (66 loads) only $9.09 shipped! Published: by Gretchen on April 7, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Here’s a great stock up deal on laundry detergent! Amazon has this Seventh Generation Laundry Detergent (66 loads) for just $9.09 shipped when you clip the $4.20 e-coupon and checkout through Subscribe Save! Note: Once your order ships, you can go into your Ama

Rocket Dog Flip Flops just $12.99 + shipping!

Home » Deals » Rocket Dog Flip Flops just $12.99 + shipping! Published: by Gretchen on April 6, 2022  |  This post may contain affiliate links. Read my disclosure policy here. These Rocket Dog Flip Flops are great quality and perfect for summer! Zulily has Rocket Dog Flip Flops on sale for just $12.99 today! These are such great quality. Choose from lots of colors. Shipping starts at $6.99. And you place one order today, the rest of your orders from Zulily

What it’s like to work with a financial advisor

Photo by Jopwell from Pexels If you’re like many Canadians, you’re probably weighing working with a financial advisor. Maybe you’ve just gotten married, started a business, expanded your family or come into an inheritance, or you’re planning your financial future as you approach retirement. A financial advisor can be an invaluable resource in taking stock of what you currently have—and in developing strategies to protect and grow those assets. An advisor can provide a blueprin

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Watch: What is the First-Time Home Buyer Incentive?

In 2019, the federal government introduced the First-Time Home Buyer Incentive, a program designed to make homeownership more affordable. But how does it work? Who’s it for? And is it always a good option for buyers? Through the First-Time Home Buyer Incentive, the government contributes to a home’s down payment, reducing the amount needed for a mortgage and making it easier for buyers to manage their mortgage payments. However, the incentive is limited to a subset of buyers, and eligibi

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Home » Freebies » Free La Roche-Posay Face Sunscreen Sample! Published: by Meagan on April 4, 2022  |  This post may contain affiliate links. Read my disclosure policy here. You can try a free sample of La Roche-Posay Face Sunscreen! If you haven’t done so yet, you can currently sign up for a free sample of La Roche-Posay Anthelios Mineral SPF Moisturizer ! Reader Interactions Money Saving Mom® Comment Policy We love comments from readers, so chime in

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How to save on capital gains tax when selling a rental property

Love photo created by freepik - www.freepik.com For the moment it seems that capital gains are taxed at 50% of the value. My parents own a rental property. Would it make sense to “buy them out” now and pay the capital gains at 50% rather than wait for the inheritance and risk being taxed at 75% in the future? I assume that this is done at fair market value (FMV), but can I buy the property at less than FMV to save on capital gains tax now or are we forced to pay the 50% at FMV? I have

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How it works: Capital gains tax on the sale of a property

Photo by Rodnae Productions from Pexels Capital gains. Even the mention of these two words together can immediately conjure myths about owing the government 50% of the money earned from selling a home. But, like most rumours, it’s only half true.  Every week, our inbox is full of letters from readers asking how to avoid the capital gains tax. They want to know how to work the system and keep more money in their pockets. Listen, it’s valid to want to hold on to the money earned off

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Home » Deals » Free Rimmel Cosmetics at Walgreens! Published: by Gretchen on March 30, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Reader Interactions Money Saving Mom® Comment Policy We love comments from readers, so chime in with your thoughts below! We do our best to keep this blog upbeat and encouraging, so please keep your comments cordial and kind. Read more information on our comment policy.

Making sense of the markets this week: March 27

Photo by Aslı Yılmaz from Unsplash Each week, Cut the Crap Investing founder Dale Roberts shares financial headlines and offers context for Canadian investors. Redrawing the world’s trade map It’s the end of globalization as we know it. We will reorder production and supply routes and networks. The redrawing of the world’s trade map was all already in play—thanks to the pandemic for exposing our fragile supply chains. Companies and countries were looking to bring production cl

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TFSA vs RRSP: How to decide between the two

Photo by Arif Riyanto on Unsplash One of the most common questions out there is whether to invest in a registered retirement savings plan (RRSP) or a tax-free savings account (TFSA). Both will help you save, and save on taxes, but each works in a different way. Understanding how these accounts work will help you decide which is best for your current needs—and even when to use them in tandem. What is a TFSA? A TFSA (or tax-free savings account) is a registered investment savings acco

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Video: What do you need to open a bank account?

MoneySense is a digital magazine and financial media website, featuring content produced by journalists and qualified financial professionals. MoneySense is owned by Ratehub Inc., but remains editorially independent. While our goal is to provide accurate and up-to-date financial content, we encourage readers to practice critical thinking and cross-reference information with their own sources—especially before making any financial decisions. While our editorial team does its best to ensure acc

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Home » Deals » *HOT* Acer 11.6″ Chromebook only $79 shipped (Reg. $250!) Published: by Meagan on March 23, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Need a new chromebook? This is a great deal! Best Buy has this Acer 11.6″ Chromebook for just $79 shipped as the daily deal today! This is regularly $249 and is a great deal. Valid today only, March 23, 2022. Reader Interactions Money Saving Mom® Comment Policy We

Switching to lower cost investing

Photo by Arina Krasnikova from Pexels If you are among the millions of Canadians being charged annual mutual fund and other investment fees totaling 1.5% to 2.5% or more, switching to lower-cost investing may be the key to achieving that goal. You may even lower your risk.  I recently asked a select group of Canadian investors to describe, in their own words, their personal experiences in making the switch and to share the lessons they learned along the way. Their responses may help y

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Home » Deals » 360-Degree LED Cantilever Offset Patio Umbrella with Tilt only $99.99 shipped (Reg. $300!) Published: by Meagan on March 25, 2022  |  This post may contain affiliate links. Read my disclosure policy here. This 360-Degree LED Cantilever Offset Patio Umbrella is perfect to block the sun and adjust the shade! You can get this 360-Degree LED Cantilever Offset Patio Umbrella with Tilt, 10 feet for just $99.99 shipped when you use the promo code B

CDRs vs US blue-chip stocks: Which makes more sense for Canadian investors

Photo by Kampus Production from Pexels In mid 2021, Canadian investors gained a significant new way of accessing popular U.S. blue-chip stocks. Canadian depositary receipts (CDRs) resemble the more established American depositary receipts (ADRs). What are ADRs? ADRs are a way to gain easy access to global stocks in U.S. dollars trading on U.S. stock exchanges. According to Seeking Alpha, among the 10 most actively traded ADRs are China’s Baidu (Bidu/Nasdaq), the UK’s BP (BP/NYSE), B

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Home » Deals » Bella Pro Series 1.7L Stainless Steel Electric Tea Maker/Kettle for just $29.99! (Reg. $70) Published: by Meagan on March 18, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Wow! This is a great deal on the highly-rated Bella Pro Series Electric Tea Maker! Best Buy has this Bella Pro Series 1.7: Stainless Steel Electric Tea Maker/Kettle for just $29.99 as their daily deal today! This is a HOT price on this tea m

When can you claim medical expenses on your tax return

Photo by Anna Shvets from Pexels I paid $3,000 for wisdom teeth removal, and my employer only reimbursed $2,000. I’ve heard that any taxpayer who paid medical costs for themselves, a spouse, and/or dependents is eligible, as long as they were not reimbursed for the amounts by their insurance, an employer or any other source. Can I claim the $1,000 that I paid out of pocket on my taxes?  —Houssein Can you claim wisdom teeth removal on your taxes?  Eligible medical expenses may

The Racial Wealth Gap: Origins and Solutions

By Bryan Mapenzi The racial wealth gap has a profound impact on communities of color. There are vast disparities in the attempt to achieve wealth, the American Dream and the pursuit of happiness. All three have paved the way for America being the wealthiest country in the world based on nominal GDP. Although this holds true, there is another stark truth. The distribution of wealth across America is vastly unequal across racial lines. According to the 2019 Survey of Consumer Finances (SCF),

Don’t forget! Possible FREE Owala Water Bottle today!

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Making sense of the markets this week: March 13

Photo by Lemon Pepper Pictures from Unsplash Each week, Cut the Crap Investing founder Dale Roberts shares financial headlines and offers context for Canadian investors. Schwab and the economic impact of war I often go to Schwab for market commentary. (My favourite account on Twitter is Liz Sonders, chief investment strategist at Charles Schwab Co. Sonders tweets incredible charts, studies and commentary.) Schwab provides a very good overview with some high-level thinking on the war in

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Get a deal on my favorite magnesium lotion! (Ends soon!)

Home » Deals » Get a deal on my favorite magnesium lotion! (Ends soon!) Published: by Crystal Paine on March 18, 2022  |  This post may contain affiliate links. Read my disclosure policy here. You can grab a deal on my favorite magnesium lotion right now! Rare deal on my favorite magnesium lotion! This week only, one of my favorite small businesses is running a great promotion for Sleep Awareness Week! When you purchase two or more 4-ounce jars of Magnesium L

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Watch: Does debt impact your mortgage application?

Canadians who are shopping for a mortgage are likely to already have some form of debt. In fact, between things like student loans, car loans, credit card bills and lines of credit, the average Canadian carries around $30,000 of non-mortgage debt, according to TransUnion. So you might be wondering: How does debt impact your mortgage application? Using debt responsibly helps build your credit history, making it easier for you to borrow from banks and other lenders. But could large amounts of d

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Home » Deals » Goody Ouchless Elastic Multi-Colored Hair Ties, 60-Count for just $2.93 shipped! Published: by Meagan on March 15, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Grab a great deal on Goody Hair Ties right now! Amazon has these Goody Ouchless Elastic Multi-Colored Hair Ties, 60-Count for just $2.93 shipped when you clip the $1.05 e-coupon and check out through Subscribe Save. These are great for Easter baskets! N

A guide to the best robo-advisors in Canada for 2022

“You had me at low fees!” That was our reaction to the arrival of robo-advisors in Canada, beginning in 2014. Faced with few alternatives to mutual funds and self-directed brokerage accounts, young and middle-income investors embraced the option of having their savings passively managed in a bundle of exchange-traded funds (ETFs) matched to their goals and risk tolerance for about a penny on the dollar per year: A perfect set-it-and-forget it solution for people with better things

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Principal residence exemption on death and capital gains with joint tenancy

Photo by Anastasia Shuraeva from Pexels I have joint tenancy with my mother on two properties—a condo in Toronto and a cottage in Kawartha Lakes. She passed away in June 2014. I am keeping both properties. My accountant says that he can count the condo as my mom’s primary residence, but I have to pay capital gains tax on the cottage even though we have joint tenancy. I thought that with the right of survivorship, I didn’t need to pay capital gains tax? He says I am wrong. Can you pl

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Home » Deals » Muk Luks Women’s Beach Bingo Sandals for just $9.99 shipped! (Reg. $55) Published: by Meagan on March 11, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Wow, this is an amazing deal on Muk Luks Sandals!! RUN over to Jane to get these Muk Luks Women’s Beach Bingo Sandals for just $9.99 shipped before they sell out! These are regularly $55 and get amazing reviews! Choose from two colors. Psst! We love Jane! L

The best banks in Canada

Photo by Robert Bye on Unsplash Most Canadians are aware of the Big Five banks: RBC, TD, Scotiabank, BMO and CIBC. And, some may even know that occasionally National Bank of Canada sneaks in and expands that list to six. But even with these accounted for, there are dozens of banks in this country—including a growing number of fintechs and neo banks—each offering its own suite of personal banking products and services. Finding the best one is tricky, especially since it depends on your s

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Home » Deals » Sushi Go! Card Game for just $5.03! Published: by Meagan on March 9, 2022  |  This post may contain affiliate links. Read my disclosure policy here. This Sushi Go! Card Game has rave reviews and would be so fun to play as a family! Amazon has this Sushi Go! Card Game for just $5.03 when you clip the $1.26 e-coupon! This is the LOWEST price we’ve ever seen on this game! What a great way to stock the family game closet on a budget! This would

Making sense of the markets this week: March 6

Photo by Katie Godowski from Pexels Each week, Cut the Crap Investing founder Dale Roberts shares financial headlines and offers context for Canadian investors. The war in Ukraine fuels energy and commodities inflation   Heading into 2022, I wrote in my column that the big story would be the battle between solid economic growth and corporate earnings versus inflation and the threat of a rising rate environment. Of course, rising rates can (by design) suppress economic growth. There is

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Home » Deals » Lenovo Chromebook for just $97 shipped! (Reg. $219) Published: by Meagan on March 10, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Don’t miss this great deal on a Lenovo Chromebook! Best Buy has this Lenovo Chromebook on sale for just $97 shipped today! This is regularly $219 and gets great reviews! Reader Interactions Money Saving Mom® Comment Policy We love comments from readers, so chime in with your

What do value investors believe in?

Photo by Monstera from Pexels Value is on investors’ minds these days. With growth falling out of favour in 2022, more attention is being paid to value. What do value investors believe in? Finance professor George Athanassakos explains in this excerpt from his new book, Value Investing: From Theory to Practice .  Buying value stocks First, when you buy a stock, you do not buy a piece of paper. You buy a slice of a company. You do not buy a stock as a trader; you buy as an owner. A

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Home » Coupons » Rebates » Free Milton’s Craft Bakers Cauliflower Crust Pizza at Walmart after rebate! Published: by Meagan on March 5, 2022  |  This post may contain affiliate links. Read my disclosure policy here. You can score a FREE cauliflower crust pizza in-stores right now! Stop by Walmart to get a FREE frozen pizza right now: Milton’s Craft Bakers Cauliflower Crust Pizza — $8.98 Submit for $8.98/1 Ibotta rebate FREE after rebate!

Capital gains on subdivided land, and HST on vacant land

Our primary residence of three years is built on a double lot. We received a partial discharge of our double lot and built our house on it for cash. Do we have to pay any capital gains? We did not plan on doing this when we first purchased it. –Devon Is there GST on land sales? First, when you sell real estate, including vacant land, Devon, there may be income tax implications, like capital gains tax, as well as GST/HST sales tax implications. Generally, the sale of a princ

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Home » Deals » Pop-Tarts 5-Flavor Variety Pack, 60-Count for just $13.99 shipped!! Published: by Meagan on March 4, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Wow — this is a GREAT deal on Pop-Tarts! Amazon has these Pop-Tarts 5-Flavor Variety Pack, 60-Count for just $13.99 shipped when you clip the 25% off e-coupon and check out through Subscribe Save! This is such a great stock-up price for Pop-Tarts! Note: Once your o

Building a “core and explore” portfolio with an all-in-one ETF

Photo by Karolina Grabowska from Pixabay Investing shouldn’t be all or nothing, with investors forced to choose products that solely correspond to their risk tolerance and offer little flexibility. That’s why some people take a “core and explore” (or “core and satellites”) approach to building their portfolio: They allocate the majority of it—80% to 90%—to a core of diversified holdings, like broad-market index funds, and the rest toward speculative or more volatile opportun

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Home » Deals » Hot Deals » *HOT* Instant Pot 6 Quart 7-in-1 Multi-Use Programmable Pressure Cooker only $52.99 shipped! Published: by Meagan on March 4, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Whoa! We haven’t seen a deal on this Instant Pot 6-Quart 7-in-1 Pressure Cooker in over two years! Amazon has this Instant Pot 6-Quart 7-in-1 Multi-Use Programmable Pressure Cooker for just $52.99 shipped right now! This i

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How to be a better investor

Photo by Tim Samuel from Pexels For both beginner and experienced investors, focusing on a few basic guidelines can make the difference between good results and great ones. Whether you’re investing in a taxable account or a tax-sheltered account like a registered retirement savings plan (RRSP), doubling down on the basics can help you make better-informed decisions and reach your financial goals faster. Set clear targets  Instead of vague aspirations like “save more in 2022” or �

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Watch: What is the mortgage stress test?

If you’ve purchased a home in the last several years, or plan to buy one soon, there’s a good chance you’ve heard about the mortgage stress test. Since 2018, the stress test has served as a set of rules banks and lenders use to determine if you qualify for the mortgage you want. It’s possible to have passed the stress test without even knowing it, so it’s good to review how it works. This video outlines what the mortgage stress test is, why it was created, and how it applies to all

Free Bottle of KPOP Foods Sauce After Rebate!

Home » Freebies » Free Bottle of KPOP Foods Sauce After Rebate! Published: by Meagan on March 1, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Try a bottle of KPOP Foods Sauce for free! You can get a FREE Bottle of KPOP Foods Sauce Product ! Just purchase the product in-stores and follow the instructions here to get your rebate. Reader Interactions Money Saving Mom® Comment Policy We love comments from readers, so chim

Cutting down capital gains tax on real estate sales

Photo by Mart Production from Pexels Is there any real estate investment I could invest my capital gains in, without being robbed of paying 50% capital gains tax? I understand there is an exception for the sale of commercial property. —Dennis Capital gains tax on real estate One of the biggest complaints I’ve heard from real estate investors is the dreaded capital gains tax hit, Dennis. Stock market investors don’t seem to be nearly as patient. Real estate is generally a

Free Box of Moonshot Crackers!

Published: by Meagan on March 1, 2022  |  This post may contain affiliate links. Read my disclosure policy here. You can try Moonshot Crackers for FREE right now! You can get a  FREE Box of Moonshot Crackers right now! Just purchase the product in-stores and follow the instructions  here  to get your rebate. Thanks, Hip2Save! Reader Interactions Money Saving Mom® Comment Policy We love comments from readers, so chime in with your thoughts below! We do our best to

The meaning of market swings and why you should care

Photo by Antoni Shkraba from Pexels Soaring surges, deep dives, often within a single day—this is what the markets experienced in the first two months of 2022. For investors, the wild ride is, well, wild. It’s also likely to be the new normal. There are a few key reasons for this that will help bring a measure of understanding to what’s been going on and why it will continue. The big takeaway for investors is to stay strong and carry on. Even though they’re chaotic, the markets are

Free JCPenney Kids Zone Craft: Pick Up A Barbie or Hot Wheels Coloring Book!

Home » Freebies » Free JCPenney Kids Zone Craft: Pick Up A Barbie or Hot Wheels Coloring Book! Published: by Meagan on February 26, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Looking for some frugal fun? Check out this upcoming FREE JCPenney Kids Zone Craft! JCPenney Kids Zone Craft Stop by your local JCPenney store on March 12, 2022 from 11 a.m. to 12 p.m. where your kids can pick up a FREE Hot Wheels or Barbie Coloring

Side Hustles to Help You Get Your Money Right

By Candice Davie If your financial goals include paying off debt, building wealth, or developing your own full-time business you’ll need two things: a budget and more revenue streams. More income equals more goals reached and the more goals you can check off your list the closer you will get to creating the life you have envisioned for yourself and your family. Side hustles can be life changing. Choosing A Side Hustle that Works For You Before going headfirst into picking the right mone

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Published: by Meagan on February 25, 2022  |  This post may contain affiliate links. Read my disclosure policy here. This is a great deal on Airborne Tablets! Amazon has these Airborne Tablets, 116-Count for just $12.36 shipped when you clip the 20% off e-coupon and check out through Subscribe Save. This is the lowest price on record and an amazing deal! Note: Once your order ships, you can go into your Amazon account and cancel your subscription if you don’t want recurr

Making sense of the markets this week: February 20

Photo by Asad Photo Maldives from Pexels Each week, Cut the Crap Investing founder Dale Roberts shares financial headlines and offers context for Canadian investors. Earnings season picks up the pace: Shopify crashes I’m looking into more earnings, starting with Shopify. Shopify Canadian tech darling Shopify (SHOP) stole the headlines north of the border. Shopify crashed 16% after earnings were released.  Source: Seeking Alpha Amazon (AMZN) leads with 41.0% market share of U.S. e

Zoogs Kid’s Rain Boots & Water Shoes for just $5.99 + shipping!

Home » Deals » Zoogs Kid’s Rain Boots Water Shoes for just $5.99 + shipping! Published: by Meagan on February 25, 2022  |  This post may contain affiliate links. Read my disclosure policy here. These rain boots water shoes for kids are so cute! Right now, Zulily has these Zoogs Kid’s Rain Boots Water Shoes on sale as low as $5.99 ! Plus, you’ll get an extra 10% exclusive discount at checkout when you buy any 3 items sitewide today! There are so many cut

Free Lucky Charms Kid’s Book!

Published: by Meagan on February 25, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Don’t miss this fun freebie from Lucky Charms! Sign up for a FREE Lucky Charms The Magic Inside Kid’s Book right now! Only available to the first 10,000 sign-ups. Allow 6-8 weeks for delivery. Thanks, Freebie Shark! Reader Interactions Money Saving Mom® Comment Policy We love comments from readers, so chime in with your thoughts below! We do our be

Rare Savings on Cold & Flu Essentials: Lysol Wipes, Mucinex, Airborne, and more!

Home » Deals » Rare Savings on Cold Flu Essentials: Lysol Wipes, Mucinex, Airborne, and more! Published: by Meagan on February 23, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Today only, Amazon is running a sale on select household essentials ! It includes some rare savings on cold flu staples for the medicine cabinet. Here are some of the best deals… Get these Lysol Disinfectant Handi-Wipes, 4-Pack for just $12.10 shipp

Making sense of the markets this week: February 27

Photo by Max Kukurudziak on Unsplash Each week, Cut the Crap Investing founder Dale Roberts shares financial headlines and offers context for Canadian investors. Is your portfolio ready for war?  In the early morning of February 24, Russia launched a full-scale invasion of Ukraine. And, sadly, the invasion of Ukraine dominated the headlines this week.  President of Russia Vladimir Putin was quoted in this Reuters.com article:  “I have decided to conduct a special military operatio

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Video: How to find the best online account

MoneySense is a digital magazine and financial media website, featuring content produced by journalists and qualified financial professionals. MoneySense is owned by Ratehub Inc., but remains editorially independent. While our goal is to provide accurate and up-to-date financial content, we encourage readers to practice critical thinking and cross-reference information with their own sources—especially before making any financial decisions. While our editorial team does its best to ensure acc

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Capital gains tax in Canada, explained

Photo by Curtis Adams from Pexels Selling your high-performing stocks or your cottage with a view can reap significant profits, and those moments are worth celebrating. But while you’re enjoying the spoils of your investments, keep in mind that you’ll eventually have to pay tax on them. In Canada, most gains on capital assets are taxed. Let’s look at strategies to avoid paying more taxes than you need to come tax time.  What are capital gains? A capital gain occurs when you sel

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Photo by RODNAE Productions from Pexels For many Canadians, investing in their registered retirement savings plan (RRSP) is the primary way they save for retirement. RRSPs are an invaluable tool, allowing you to stow away funds for golden years while reducing your taxable income today. However, there is no one-size-fits-all way to use them, so it can be hard to know whether or not you’re on the right track. We enlisted the help of Ayana Forward, a Certified Financial Planner with R

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Photo by Anna Shvets from Pexels In the dog-eat-dog world of cryptocurrencies, two digital coins are adding a note of levity: dogecoin and shiba inu. As evident in their amusing names, they refuse to take themselves too seriously. These cryptos are “memecoins,” a category of lightweight crypto assets inspired by internet memes, jokes and trends. According to a CoinMarketCap estimate, there are 295 memecoins circulating in the ever-expanding cryptoverse. Leading the pack are dogeco

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How does a spousal RRSP withdrawal work?

Photo by Nataliya Vaitkevich from Pexels I bought a spousal RRSP in December 2019 and I plan to withdraw from it this week. Is it considered to be my income or my spousal income? I called CRA four times, but no one could answer this question for me. —Tom Spousal RRSP withdrawal rules: Timing matters  Tom, the rules around the timing of spousal registered retirement savings plans (RRSPs) can be confusing. If you don’t time the withdrawal correctly it may be taxed in your name r

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Photo by Michael Burrows from Pexels Non-fungible tokens, better known as NFTs, are taking the world by storm. Whether you’re scrolling social platforms, reading financial news or just waiting to skip that annoying ad on YouTube, there’s no escaping non-fungible tokens. NFTs are unique, non-replicable digital tokens that represent ownership of a digital or real-world asset. “Non-fungible” means the tokens are not interchangeable, unlike fungible assets like loonies or bitcoins.

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TFSA contribution room calculator Find out your current tax-free savings account (TFSA) contribution limit by using this calculator. Note that in the second box below, you should not “double count” contributions that you have withdrawn and then legitimately re-contributed in the following calendar year or beyond, as this could lead to a false over-contribution warning. Available TFSA contribution room: This Year: Next Year: * Note that the calculator assumes next year's contr

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The Only Year-End Financial Checklist You’ll Need to Come Out On Top in 2022

By Bryan Mapenzi As we close out another year in a pandemic, we may wonder how we should approach 2022. We may be considering a large purchase next year, such as a house. Or maybe we’re really excited about the opportunity to travel internationally without the imminent danger of contracting COVID-19, with all of its mutations and variants (fingers crossed). Whatever your goals may be, starting 2022 off on the RIGHT foot can dictate how the rest of your fiscal year shapes up. This checklist

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Photo by Marta Branco from Pexels If 2020 was a transformative year for cryptocurrencies, 2021 saw the digital currency landscape evolve and expand with disruptive innovations. One of the hottest and most impactful areas of the blockchain economy is decentralized finance, or DeFi. DeFi is fast emerging as a borderless, friction-free, cheaper and faster alternative to the current financial system. At its core, DeFi is a network of applications that are designed to replicate traditional f

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Trading tools that can raise your crypto game

Photo by Worldspectrum from Pexels The cryptosphere abounds in stories of windfall-like gains and spectacular losses. One differentiating factor separating the winners from the losers is the use of powerful crypto tools and strategies. As with investing in traditional assets like stocks and bonds, investing in crypto and managing your portfolio goes far beyond picking the right assets. Similar to a stock trading platform, a cryptocurrency trading platform such as CoinSmart comes with a

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Making sense of the markets this week: January 30

Photo by SCREEN POST from Pexels Each week, Cut the Crap Investing founder Dale Roberts shares financial headlines and offers context for Canadian investors.  U.S. earnings season, with tech biggies to the rescue Earnings have been very strong thanks to continued economic recovery as we move through, and out, of the pandemic. And earnings season is in full stride in the U.S. The tech giants are releasing their reports, including Microsoft (MSFT) and Apple (AAPL). And we’re getting a

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Published: by Brigette Shevy on February 5, 2022  |  This post may contain affiliate links. Read my disclosure policy here. My older sister, Brigette, shares her shopping trips and menu plans every week! You can go HERE to see all of her weekly menu plans and you can go HERE to read all about her family! I went back to Lidl again this week. I’ve decided I definitely prefer Aldi overall, but they continue to have major stocking issues in our area. I might have to resign myse

The process of unlocking a LIRA account in Canada

Photo by cottonbro from Pexels. Thank you for “How to get money out of locked-in retirement accounts” .  I have a federally regulated LIRA. I’m 55. I’m looking to unlock 50% of the balance. I came across your article while seeking some LIRA/LIF/RRSP information.  I’m getting conflicting information regarding the process. One site indicates it is possible to transfer the one-time 50% directly from a LIRA to an RRSP. If possible, this would be preferable. This was also

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Is ethereum a good investment in 2022? A guide for Canadian investors

Photo by Jievani from Pexels The momentum created by bitcoin, the cryptocurrency market leader, has put other major digital assets, such as ethereum (or ether), on a significant upward trajectory. In fact, ethereum is outperforming bitcoin by a big margin, stealing some of its limelight. In 2021, ethereum gained more than 400% in value, handily outperforming bitcoin’s modest 62% rise (as of Dec. 31). While it continues to attract investors deterred by bitcoin’s price tag, ethereum

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Top 100 dividend stocks of 2022

How to use this table As well as the Dividend All-Stars have performed over the years, the ranking should be viewed as the starting point for your research, not the end. This report aims to identify companies that offer the best investment potential now, based on yield, stability and value, but it’s a purely fundamental analysis. Use this list to narrow the prospective investments worthy of additional research before deciding whether they deserve to be included in your

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A reality check on financial FOMO

Photo by Mikhail Nilov from Pexels Do you ever feel like you’re missing out on easy money? With so many amateur investors offering financial advice, sharing tips on stocks and cryptocurrencies, and pumping up non-fungible tokens (NFTs), it’s easy to think you’re the only one not cashing in. Yes, some people have made money by following these and other investing trends, but building wealth isn’t about joining the latest meme stock craze. It’s about developing healthy financi

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Canada’s Best Dividend Stocks 2022

Looking at the returns some investors seem to be enjoying lately, you can be forgiven if you’ve been questioning the value of your dividend portfolio. Cryptocurrencies have been wild. Tech stocks have been on fire. And companies like GameStop and AMC, the darlings of Reddit trade, have been stratospheric—touching highs of 1,000% at times.  Canada’s best dividend stocks 2022 It may feel like everyone is holding a winning lottery ticket except you, but take a c

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Do you pay capital gains tax when separating or divorcing?

Photo by Ketut Subiyanto from Pexels I just read your article on paying capital gains on a property inherited from a spouse when there was no official separation agreement in place. Interesting, and I have a related question. If spouses separate with an official separation agreement but keep the matrimonial home and mortgage in both names, as one spouse living in the house and assuming all payments, does the spouse that leaves have to pay capital gains at that time or later when the home i

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Making sense of the markets this week: January 30

Photo by SCREEN POST from Pexels Each week, Cut the Crap Investing founder Dale Roberts shares financial headlines and offers context for Canadian investors.  U.S. earnings season, with tech biggies to the rescue Earnings have been very strong thanks to continued economic recovery as we move through, and out, of the pandemic. And earnings season is in full stride in the U.S. The tech giants are releasing their reports, including Microsoft (MSFT) and Apple (AAPL). And we’re getting a

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Canada’s best dividends 2022: How we chose the winners

Choosing Canada’s Best Dividend Stocks for 2022 Grades The Dividend All-Stars grades all of the dividend-paying stocks on the SP/TSX Composite. By limiting our focus to this select group, we recognize that we may not capture some great Canadian companies, but we want to ensure we’re targeting the large liquid stocks. A company has to possess three important characteristics to make the cut: It has to offer an attractive yield, appear well positioned to sustain a steady

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Home » Deals » Stock Up Deals on Snacks and Breakfast Items! Published: by Gretchen on January 26, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Right now, Amazon has some really great stock up deal on snacks and breakfast items! Here are some deals you can get… Get these Justin’s Classic Peanut Butter Squeeze Packs, 10 count for just $6.06 shipped when you clip the $0.50 off e-coupon and checkout through Subscribe Save!

Harvesting returns from your “explore” investments

Photo by Andrea Piacquadio from Pexels Some investors prefer to park most of their investments in a broadly diversified portfolio of ETFs and then use a small portion of their account to speculate on riskier investments. This “core and explore” approach can be a sensible way to curb your investing FOMO (fear of missing out) without risking your retirement savings on speculative bets. One way to manage a core-and-explore approach and keep reasonable checks on your behaviour is to lim

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Converting mutual funds: The benefits, the risks and the costs

Photo by Ketut Subiyanto from Pexels My wife and I have been educating ourselves on the merits of ETF vs traditional mutual funds after deciding to make a switch from our personal financial advisor. We were late starters in saving and we have another 15- to 20-year investment horizon ahead of us before retirement stares at us. Our current RRSPs are in mutual funds (one of the three largest mutual funds companies), all DSC back-end loads with high MERs (2.5% in most cases). Hence, w

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The best financial apps for Canadians

Photo by Anete Lusina from Pexels Financial apps have the ability to make managing your finances easier. By simplifying all your money-related tasks—from creating and using a monthly budget and investing, to running a small business and saving for a large-scale project or purchase—they can be the key to achieving your long-term financial goals. What is a financial app? A financial app is a downloadable program that lets you manage your finances from your smartphone. There are a wide

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Do you pay capital gains tax when separating or divorcing?

Photo by Ketut Subiyanto from Pexels I just read your article on paying capital gains on a property inherited from a spouse when there was no official separation agreement in place. Interesting, and I have a related question. If spouses separate with an official separation agreement but keep the matrimonial home and mortgage in both names, as one spouse living in the house and assuming all payments, does the spouse that leaves have to pay capital gains at that time or later when the home i

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How do the RRSP contribution carry forward rules work?

Photo by SHVETS production from Pexels If I have $25,000 contribution room left in my RRSP, can I take that all at once plus my regular RRSP contribution of $27,230 for the tax year 2020? Effectively making a contribution of $57,230 to my RRSP? — Lorraine The rules around RRSP contribution room  As soon as a taxpayer starts to earn income—like employment income, self-employment income, royalties, research grants or net rental income—they accumulate room for their registered

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3 Reasons to Buy A Home This Year

January 21 is “Own Your Home Day” and was established to encourage homeownership. Today, in early observance of Own Your Home Day this post discusses three major benefits of homeownership. On the fence about whether or not to purchase a home? You’re not alone! Purchasing a home is not an easy or lighthearted decision. First and foremost, you need to determine if you are financially ready for this purchase. After reviewing your finances, you can delve into the benefits of owning a home

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Home » Deals » *HOT* LEGO Classic 1,500-Piece Bricks and Animals Set only $29 (Reg. $58!) Published: by Gretchen on January 19, 2022  |  This post may contain affiliate links. Read my disclosure policy here. This LEGO Classic 1,500-Piece Bricks and Animals Set is a great starter kit. Looking for a great LEGO gift idea? Walmart has this LEGO Classic 1,500-Piece Bricks and Animals Set for just $29 with free in-store pickup right now! This is the same price as

I’m a victim of CERB fraud—two years later, I’m still dealing with the tax implications

Photo by Karolina Grabowska from Pexels I’d never been so excited to find mail carelessly stuffed in a mailbox. It represented new beginnings for my wife and me—the first piece of mail sent to our new home, our first house, in Hamilton, Ont. We hadn’t even moved in yet.   My excitement faded when I pulled the envelope from a wad of crumpled flyers and opened it. Inside was a T4A from the Canada Revenue Agency (CRA) indicating I’d received $8,000 in Canada Emergency Response Be

Walgreens: 11×14 Photo Posters only $1.99 + Free in-store pickup!

Home » Deals » Online Deals » Walgreens: 11×14 Photo Posters only $1.99 + Free in-store pickup! Published: by Gretchen on January 17, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Have a photo you want to print and hang? You can get an 11×14 Photo Poster for only $1.99 at Walgreens! Walgreens is offering a 11×14 photo poster for just $1.99 (regularly $10.99) with free in-store pickup when you use the promo code 

When a bank’s not a bank: How fintech—and neobanks in particular—are transforming banking in Canada

Photo by Ono Kosuki from Pexels Neobanks and challenger banks are fintech (financial technology) firms that offer banking services, usually online only. These digital upstarts offer alternatives to the mainstream banking products and services we’re accustomed to. The Canadian banking system is known worldwide for its strength and stability, but even so, it’s being increasingly transformed by neobanks. So, how exactly are these new, “non-bank” players disrupting the banking syste

Krispy Kreme: Free Glazed Dozen Doughnuts with Any Dozen Purchase!

Published: by Gretchen on January 18, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Looking for the latest Krispy Kreme coupons, rewards, and specials? Don’t miss this new deal!! {Psst! Be sure to check out all the other recent restaurant deals we’ve posted!} Through January 23rd, Krispy Kreme is offering Rewards Members a FREE Glazed Dozen Doughnuts with any dozen purchase ! Just use the promo code BOGOTREAT at checkout or scan your b

Spin Master Jumanji Deluxe Game only $24.39!

Home » Deals » Spin Master Jumanji Deluxe Game only $24.39! Published: by Gretchen on January 14, 2022  |  This post may contain affiliate links. Read my disclosure policy here. This Spin Master Jumanji Deluxe Game looks like such a fun game! Amazon has this Spin Master Jumanji Deluxe Game for just $24.39 right now! This game has hundreds of five-star reviews and looks like lots of fun. Sign up for a free trial of Amazon Prime to get free two-day shipping (a

Carter’s: Winter Warehouse Clearance Sale = Just $2.99 and up!

Home » Deals » Carter’s: Winter Warehouse Clearance Sale = Just $2.99 and up! Published: by Gretchen on January 12, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Looking for deals on baby, toddler and kid’s clothes? Don’t miss this sale at Carter’s! Carter’s is having a Winter Warehouse Clearance Event and you can get some amazing deals! This is a great time to grab some new clothes for the kids. Get Tees f

How to create a DIY investing strategy

Photo by Artem Podrez from Pexels Unlike at-home haircuts and hoarding toilet paper, do-it-yourself investing is a trend from the pandemic that’s here to stay. In 2020 alone, more than two million Canadians opened new self-directed investment accounts to buy and sell stocks and other securities—that’s more than twice the people who did the year before. Regulators worry that without professional advice, investors with limited knowledge and information may lose money. You don’t n

Free Sample of That’s It Mini Fruit Bar (Requires Alexa or Google Voice Assistant)

Home » Freebies » Free Sample of That’s It Mini Fruit Bar (Requires Alexa or Google Voice Assistant) Published: by Gretchen on January 11, 2022  |  This post may contain affiliate links. Read my disclosure policy here. If you have Alexa or Google Voice Assistant, you can get a free sample of That’s It Mini Fruit Bar! Right now, you can get a free sample of That’s It Mini Fruit Bar when you tell your Alexa or Google Voice Assistant “Ask Send Me a Sample

Ninja Nutri Pro Blender only $24.93 (Reg. $74!)

Home » Deals » Ninja Nutri Pro Blender only $24.93 (Reg. $74!) Published: by Gretchen on January 11, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Here’s a great deal on this Ninja Nutri Pro Blender! Macy’s has this Ninja Nutri Pro Blender for just $24.93 today! This is regularly $73.99. Create personalized drinks in only a few pulses, then twist one of the spout lids onto the plastic container and you’re ready to take

Warmies Heatable Slippers only $24.99 shipped!

Home » Deals » Warmies Heatable Slippers only $24.99 shipped! Published: by Meg on January 11, 2022  |  This post may contain affiliate links. Read my disclosure policy here. These Warmies Heatable Slippers would make great gift ideas! This popular deal is back! Jane has these Warmies Heatable Slippers for just $24.99 shipped ! Choose from three colors. These would make such great gifts. Psst! We love Jane! Looking for other great Jane deals? Check out ou

The best RRSP investments 2022

Photo by iStock A registered retirement savings plan ( RRSP ) is an investment that is registered with the Canadian federal government. RRSPs are often described as being “tax-advantaged.” That means you don’t pay income tax on the amount you are contributing to an RRSP, in the year you earn that contribution. However, you will have to pay income tax when you withdraw money during your retirement. The advantage is built on the assumption that your income is higher now than it will b

Up to 60% off BearPaw Boots for Women and Kids + Exclusive Extra 10% off!

Home » Deals » Up to 60% off BearPaw Boots for Women and Kids + Exclusive Extra 10% off! Published: by Gretchen on January 10, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Love BearPaw boots? Check out this big sale on Zulily! Zulily is having a big sale on BearPaw Boots for Women Kids and you can score up to 60% off ! Plus, when you shop through our link, you will save an extra 10% off at checkout! There are so many cute sty

Making sense of the markets: 2021

Photo by Ibrahim Boran from Unsplash Cut the Crap Investing founder Dale Roberts shares financial headlines and offers context for Canadian investors. One of the best things about writing this weekly markets column is that I’m creating a timestamped catalogue of meaningful events. It’s a diary of the markets. And this week, as the year 2021 came to a close, I’m looking at the major stories of the year from my columns—and they are likely to still make an imprint on 2022.  This w

Up to 40% off Planners on Amazon!

Home » Deals » Up to 40% off Planners on Amazon! Published: by Gretchen on January 7, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Reader Interactions Money Saving Mom® Comment Policy We love comments from readers, so chime in with your thoughts below! We do our best to keep this blog upbeat and encouraging, so please keep your comments cordial and kind. Read more information on our comment policy.

A guide to the best robo-advisors in Canada for 2022

“You had me at low fees!” That was our reaction to the arrival of robo-advisors in Canada, beginning in 2014. Faced with few alternatives to mutual funds and self-directed brokerage accounts, young and middle-income investors embraced the option of having their savings passively managed in a bundle of exchange-traded funds (ETFs) matched to their goals and risk tolerance for about a penny on the dollar per year: A perfect set-it-and-forget it solution for people with better things

Michaels Mega-Clearance Event: Get up to 80% off!

Home » Deals » Michaels Mega-Clearance Event: Get up to 80% off! Published: by Gretchen on January 5, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Wow! Calling all crafters! You can get up to 80% off Michaels clearance items right now! Right now, Michaels is having a Mega-Clearance Event and you can get up to 80% off ! This is a great time to grab some crating supplies for cheap. There are tons of items included in this sale

The best TFSAs in Canada for 2022

Photo by Ketut Subiyanto from Pexels As the name suggests, tax-free savings accounts (TFSAs) offer a tax break on contribution income—meaning that, unlike with a regular savings account or non-registered investment account, what you earn inside your TFSA isn’t taxed, even when you make a withdrawal. TFSAs are flexible, too, allowing you to hold cash , g uaranteed investment certificates ( GICs ) , stocks, bonds, exchange-traded funds (ETFs) or mutual funds, so you can tailor you

Free Toy Simplifying Workshop!

Published: by Meg on January 5, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Sick of having too many toys? Don’t miss this free workshop! Are you overwhelmed by the amount of toys you have in your home (especially after the holidays)? Then be sure to sign up for this FREE Toy Simplifying Online Workshop ! In this workshop, you’ll learn how to: declutter toys WITH your kids organize toys so they actually get played with more than 0.5 sec

Making sense of the markets this week: January 9

Photo by Firmbee from Pixabay Cut the Crap Investing founder Dale Roberts shares financial headlines and offers context for Canadian investors.  It was hard to mess things up in 2021 Happy New Year! And welcome to the first “Making sense of the markets” post for 2022.  Before we go any further, you must catch up (or look back, rather) as I made sense of 2021 in an epic post. As I wrote last week, it is an incredible opportunity I have to write a weekly commentary on the stock

HOT Deals on Hydro Flask Bottles and more!

Home » Deals » HOT Deals on Hydro Flask Bottles and more! Published: by Gretchen on January 5, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Love Hydro Flask? Check out these hot deals on bottles and more right now! Right now, Dick’s Sporting Goods is having a Flash Sale on Hydro Flask Bottles and more ! Here are some deals you can get… Get these Hydro Flask Standard Mouth 21 oz. Bottles with Flex Cap for just $20.97 (re

Compare the best GIC rates in Canada 2022

How to use this tool: Simply scan the table below to view GIC interest rates offered by financial institutions across Canada. Click on one of the tabs at the top of the table to focus on your choice of non-registered, registered, TFSA-eligible or U.S. GICs. Or, follow the prompts in the six fields at the top of the finder tool to input the amount you wish to invest in a GIC and your preferred investment term, along with other details, and the calculator will automatically display what your total

Free Colgate Bright Smiles Bright Futures Kit for Teachers

Home » Freebies » Free Colgate Bright Smiles Bright Futures Kit for Teachers Published: by Gretchen on January 4, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Calling all kindergarten and first grade teachers! If you are a kindergarten or first grade teacher, you can sign up for a free Colgate Bright Smiles Bright Futures Kit here ! This kit includes free toothbrushes and toothpaste for each student, posters, storybooks, and

*SUPER HOT* Get a 96-count box of Ticonderoga Pencils for just $4.49 shipped!!

Home » Deals » Online Deals » *SUPER HOT* Get a 96-count box of Ticonderoga Pencils for just $4.49 shipped!! Published: by Meg on December 30, 2021  |  This post may contain affiliate links. Read my disclosure policy here. This super popular deal is back! Grab ’em while you can! This hot deal just got even better! Amazon just dropped the price of these Ticonderoga Pencils, 96-count to just $4.49 shipped when you checkout through Subscribe Save! A

Get a KiwiCo Box for $9.18 shipped!!

Published: by Crystal Paine on December 30, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Don’t miss out on this rare KiwiCo promo code to get 60% off your first box! {Looking for honest KiwiCo reviews before you decide to buy? Read my completely honest review here! You can also check out my list of Top 10 Subscription Boxes for Kids!} As a special New Year deal, you can get 60% off a KiwiCo box when you use promo code NEWYEARS at chec

Streaming deals in Canada: We break down the value of each streaming service (plus a few free ones)

Photo by Polina Tankilevitch from Pexels ’Tis the season to binge-watch holiday classics. Whether you’ve never used a streaming service before—or you just can’t find Home Alone 2 on the platform you’re already subscribed to—we’ve rounded up the 10 best streaming services and their prices, so you can choose wisely. Canadian streaming services deals Before you sign up for any streaming service, find out first if it offers a free trial. This will not only save you a few buc

Possible Free Box of Wellness Samples from Checkout 51

Published: by Gretchen on December 30, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Hurry and see if you got this free sample from Checkout 51! Right now, you can possibly score a free Box of Wellness Samples from Checkout 51 ! This box includes several samples including Theraflu, Advil, Kleenex, and Clorox samples. Here’s how to see if you got this offer: Go to your Checkout 51 App on your phone Search “Sample” (NOT “Samples”)

Huggies Simply Clean Fragrance-Free Baby Wipes (704 count) only $11.99 shipped!

Home » Deals » Online Deals » Huggies Simply Clean Fragrance-Free Baby Wipes (704 count) only $11.99 shipped! Published: by Gretchen on December 28, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Here’s a great stock up price on Huggies Baby Wipes! Amazon has these Huggies Simply Clean Fragrance-Free Baby Wipes (704 count) for only $11.99 shipped when you clip the $2.97 off e-coupon and checkout through Subscribe Save!

Nivea Men’s Sensitive Body Wash (3 pack) only $6.27 shipped, plus more!

Home » Deals » Nivea Men’s Sensitive Body Wash (3 pack) only $6.27 shipped, plus more! Published: by Gretchen on December 28, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Here’s a great stock up deal on Nivea Men’s Body Wash! Amazon has this Nivea Men’s Sensitive Body Wash (3 pack) for just $6.27 shipped when you clip the $2.25 off e-coupon and checkout through Subscribe Save! That’s just $2.09 per bottle shipped.

Finance Tips for New Parents

Congratulations! You are walking into one of the most joyous and emotion-filled chapters of your life. There’s so much to think about when you are a new parent. This little person is totally dependent on you and it can be overwhelmingly difficult to know all the right things to do to make sure their lives are even better than the one you had. One of the things you’ll want to do is prepare them for life ahead in every aspect. One of the greatest gifts a parent can give their children is fi

*HOT* It’s back!! Women’s Fleece Jackets for just $13.49! (Reg. $75+!)

Home » Deals » *HOT* It’s back!! Women’s Fleece Jackets for just $13.49! (Reg. $75+!) Published: by Meg on December 30, 2021  |  This post may contain affiliate links. Read my disclosure policy here. These Women’s Fall Fleece Jackets are so cute! This popular deal is back! Zulily has these Women’s Fleece Jackets for just $14.99 today! Plus, when you shop through our link, you will save an extra 10% off making them only $13.49! There are lots of co

How to leave money to your grandkids

Photo by Ekaterina Shakharova on Unsplash In my experience, most people leave their entire estate to their children. But you can name other people to receive a dollar amount, a specific asset, or a percentage of your estate, including extended family, friends and charities. If you name your grandchildren as beneficiaries, there are several considerations.  How old they are can make a difference If your grandchildren are over the age of majority and are responsible enough to receive a

A Peek Into Our Christmas Week (+ my goals for this week)

Published: by Crystal Paine on December 27, 2021  |  This post may contain affiliate links. Read my disclosure policy here. We had a Christmas Cookie Baking Night as a family — everyone chose which cookie they wanted to bake and then we all baked the cookie we chose. Guess what I made? Yes — the World’s Easiest Christmas Candy. (This stuff is so addictive and delicious!) My friend, Kate, handed down this walker to Baby D and he LOVES it! He especia

New year, new money habits: 5 personal finance books for a fresh start

Photo by Karolina Grabowska from Pexels The best personal finance books are engaging, entertaining and even enlightening, changing the way we think about and manage our money. Here are some of our top picks. Money Like You Mean It by Erica Alini Dundurn Press; softcover $21.99, e-book $8.69 It’s evident the idea for Money Like You Mean It, a comprehensive guide for millennials and Gen Z to mastering personal finance in the current economy, was hatched well before the pandemic.�

Nexxus Shampoo and Conditioner Set only $18.49 shipped!

Home » Uncategorized » Nexxus Shampoo and Conditioner Set only $18.49 shipped! Published: by Gretchen on December 23, 2021  |  This post may contain affiliate links. Read my disclosure policy here. This is such a HOT deal on this Nexxus Shampoo and Conditioner Set! Amazon has this Nexxus Shampoo and Conditioner Set for just $18.49 shipped when you save an extra $10 off at checkout and checkout through Subscribe Save! That’s just $9.25 per bottle shipped whi

How to leave money to your grandkids

Photo by Ekaterina Shakharova on Unsplash In my experience, most people leave their entire estate to their children. But you can name other people to receive a dollar amount, a specific asset, or a percentage of your estate, including extended family, friends and charities. If you name your grandchildren as beneficiaries, there are several considerations.  How old they are can make a difference If your grandchildren are over the age of majority and are responsible enough to receive a

HUGE Sale on 2022 Planners, Calendars, Budget Binders and more!

Home » Deals » HUGE Sale on 2022 Planners, Calendars, Budget Binders and more! Published: by Gretchen on December 21, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Get organized for the new year with this sale on 2022 Planners, Calendars, Budget Binders and more! Right now, Zulily is having a huge sale on 2022 Planners, Calendars, Budget Binders and more ! This is a great time to grab a few items to help keep life organized in

How to buy USDC in Canada

Photo by Andrea Piacquadio from Pexels Should you invest in stablecoins? Unlike the more dominant cryptocurrencies like bitcoin and ethereum, stablecoins are digital assets whose value is tethered to another asset, such as a fiat currency, a commodity or other cryptocurrencies. Since these coins are tied to an asset, usually a fiat currency like the U.S. dollar, they’re believed to be more “stable” than their substantially more volatile crypto peers. It’s this perceived sense of

LEGO Super Mario Adventures with Luigi Starter Course only $47.99 shipped + $20 Best Buy Gift Card!

Home » Deals » LEGO Super Mario Adventures with Luigi Starter Course only $47.99 shipped + $20 Best Buy Gift Card! Published: by Gretchen on December 23, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Wow! If you know someone who loves LEGO Super Mario, be sure to check out this great deal. Best Buy has this LEGO Super Mario Adventures with Luigi Starter Course for just $47.99 shipped right now! Plus, you’ll receive a $20 Be

Free Sample of CeraVe Moisturizing Cream!

Home » Freebies » Free Sample of CeraVe Moisturizing Cream! Published: by Gretchen on December 23, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Get a free sample of CeraVe Moisturizing Cream. Sign up for a free sample of CeraVe Moisturizing Cream ! Thanks, Free Stuff Finder! Reader Interactions Money Saving Mom® Comment Policy We love comments from readers, so chime in with your thoughts below! We do our best to keep

Advil Pain Reliever and Fever Reducer, 100 Tablets only $4.25 shipped!

Home » Deals » Advil Pain Reliever and Fever Reducer, 100 Tablets only $4.25 shipped! Published: by Gretchen on December 22, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Stock up on Advil Pain Reliever and Fever Reducer with this deal! Amazon has this Advil Pain Reliever and Fever Reducer, 100 tablets for just $4.25 shipped when you clip the 35% off e-coupon and checkout through Subscribe Save! This is really great stock up

CPP vs RRSP: Can you transfer your CPP to an RRSP?

Photo by Karolina Grabowska from Pexels I’m 40 years old. Can I transfer my accumulated CPP to an RRSP? —Franco I am going to cut to the chase here, Franco. You cannot transfer your Canada Pension Plan (CPP)  to a registered retirement savings plan (RRSP). Some pensions can be transferred to an RRSP, and there are ways to avoid CPP contributions as well as reasons to treat your CPP like an RRSP. So, your question does bring up some interesting discussion points. When is CPP p

Sony Wireless In-Ear Bluetooth Earbud Headphones only $58 shipped (Reg. $100!)

Home » Deals » Sony Wireless In-Ear Bluetooth Earbud Headphones only $58 shipped (Reg. $100!) Published: by Gretchen on December 21, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Score these Sony WF-C500 Truly Wireless In-Ear Bluetooth Earbud Headphones for the lowest price ever on record! Today only, Amazon has these Sony WF-C500 Truly Wireless In-Ear Bluetooth Earbud Headphones for just $58 shipped ! These are regularly $99.

What we learned about investing during a pandemic

Photo by AlphaTradeZone from Pexels It seems we saw everything in 2021: Supply chain issues and labour shortages, the collapse of cryptocurrencies and the rise of meme stocks, almost-daily big-pharma stock swings. All of this while the world tries to figure out how to live with COVID-19. Still, even through all the havoc and ups and downs, 2021 was a great year to be investing, with the markets up in double digits.  So, what happened last year? Taking an investor’s lens to 2021, I sh

*HOT* Old Navy: Men’s and Women’s Jeans only $10, Kid’s Jeans only $8 {Extended through today!}

Home » Deals » *HOT* Old Navy: Men’s and Women’s Jeans only $10, Kid’s Jeans only $8 {Extended through today!} Published: by Gretchen on December 21, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Need a new pair of jeans? You can get them for a great deal at Old Navy today! This hot deal has been extended through today! Old Navy is offering Men’s and Women’s Jeans for just $10 ! There are several styles and col

Using ETFs to get the most out of your TFSA contribution room

Photo by George Pak from Pexels Financial experts have long stressed that cash is a poor savings vehicle and that money should be put to work by investing. This especially makes sense when you consider the bite of inflation and the current environment of low interest rates. In addition, holding cash means missing out on the magic of compounding—and the turbo-boost of growing an investment inside a tax-free savings account (TFSA). Despite its name, a TFSA is not just savings account, a

Embarking on a Fitness Journey – From Home

This post is sponsored by Affirm If you follow me on my personal Instagram, you might have noticed that I’ve undertaken a fitness journey. During the pandemic I adopted an aggressive diet that included zero processed foods, minimal fats, and zero sugar. As a result I lost 15 lbs that I did not want to lose.  I’ve recently embarked on my weight gain journey to add back the muscle and weight I lost in a healthy way. A large component of that journey is weight training with my trainer and

Free Build & Grow Pick Up & Go Event at Lowe’s on January 9-10, 2022 (Register Now!)

Home » Freebies » Free Build Grow Pick Up Go Event at Lowe’s on January 9-10, 2022 (Register Now!) Published: by Gretchen on December 18, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Looking for a fun free event to do with the kids? Check out this free Build Grow Event at Lowe’s. Lowe’s is hosting a Build Grow Event on January 9-10, 2022 where kids can pick up a FREE Time Capsule Kit ! Typically these craft e

Making sense of the markets this week: December 19

Milliard Deluxe Chocolate Gift Basket on Gold Mirror Tray — Just $19.99!

Home » Deals » Milliard Deluxe Chocolate Gift Basket on Gold Mirror Tray — Just $19.99! Published: by Meg on December 16, 2021  |  This post may contain affiliate links. Read my disclosure policy here. This Chocolate Gift Basket is a great last-minute gift idea! {Sponsored by Milliard} Today only, Amazon has this Milliard Chocolate Gift Basket on Gold Mirror Tray for just $19.99 when you use coupon code GIFT2021 at checkout! This gets amazing 5-star reviews

Streaming in Canada: We break down the value of each streaming service (plus a few free ones)

Photo by Polina Tankilevitch from Pexels ’Tis the season to binge-watch holiday classics. Whether you’ve never used a streaming service before—or you just can’t find Home Alone 2 on the platform you’re already subscribed to—we’ve rounded up the 10 best streaming services and their prices, so you can choose wisely. Canadian streaming services deals Before you sign up for any streaming service, find out first if it offers a free trial. This will not only save you a few buc

HUGE Puzzle Sale on Zulily {Arrives by Christmas!}

Home » Deals » HUGE Puzzle Sale on Zulily {Arrives by Christmas!} Published: by Gretchen on December 17, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Looking for some unplugged fun? Pick up one of these puzzles from Zulily and get the whole family building together! Zulily is having a huge sale on puzzles! Plus, if you spend $45+ on Zulily today, you will get an extra 10% off your entire order. There are tons of fun options t

Huge Sale on Arts & Crafts Kits {Guaranteed by Christmas!}

Home » Deals » Huge Sale on Arts Crafts Kits {Guaranteed by Christmas!} Published: by Gretchen on December 16, 2021  |  This post may contain affiliate links. Read my disclosure policy here. These Arts Crafts Kits would make such fun gift ideas! Zulily is having a huge sale on Arts Crafts Kits for kids right now and everything is priced under $20! These are all guaranteed to arrive by Christmas and would make great gifts. There are tons of kits in this sale.

Making sense of the markets this week: December 19

Photo by Engin Akyurt from Pexels Each week, Cut the Crap Investing founder Dale Roberts shares financial headlines and offers context for Canadian investors.  Jerome Powell, the stage is yours This week, all eyes and ears were on the U.S. Federal Reserve and the Fed chairman, Jerome Powell. The Federal Reserve, the U.S. central bank, conducted a two-day meeting on Wednesday and Thursday. On Thursday, it was announced the pace of the tapering of bond buying will double and that rate hi

Up to 40% off Scout Bags {Great Last Minute Gift Idea!}

Home » Deals » Up to 40% off Scout Bags {Great Last Minute Gift Idea!} Published: by Meg on December 16, 2021  |  This post may contain affiliate links. Read my disclosure policy here. If you’ve been wanting a durable bag for the beach or vacation, check out these deals on Scout Bags today! Zulily is offering some great deals on Scout Bags today and you can get up to 40% off! Plus, these are guaranteed to arrive by Christmas! This is a really great price on S

What are the tax benefits of donating to charity

Photo by RODNAE Productions from Pexels Philanthropy can be rewarding in non-financial ways, but charitable donations also give rise to tax savings.  Can you claim charity donations on a tax return? Yes, here’s how it works: When a taxpayer reports a charitable donation on their tax return, they get to claim a tax credit. A tax credit differs from a tax deduction. A deduction, like a contribution to a registered retirement savings plan (RRSP), reduces taxable income on which tax is

*HOT* 3 FREE Months of SiriusXM In-Car Satellite Radio! (No Credit Card Required!!)

Home » Freebies » *HOT* 3 FREE Months of SiriusXM In-Car Satellite Radio! (No Credit Card Required!!) Published: by Meg on December 14, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Whoa! Don’t miss this HOT deal to get 3 FREE months of SiriusXM Radio! See Offer Details. You can currently get 3 FREE months of SiriusXM In-Car Satellite Radio — no credit card required!! Just go HERE and fill out your info to check your e

Should you pay off your mortgage early?

Photo by Terje Sollie from Pexels. Let’s face it, we all dream of a debt-free life, and paying off your mortgage can be a big part of that. Even if it’s a distant goal, it’s fun to imagine the financial freedom that comes with settling one of life’s biggest loans—your mortgage. You’re 2 minutes away from getting the best mortgage rates in Canada Answer a few quick questions to get a personalized rate quote You will be leaving MoneySense. Just close the tab to return.

Fidget Popper Spiral Notebooks only $19.99 shipped!

Home » Deals » Fidget Popper Spiral Notebooks only $19.99 shipped! Published: by Gretchen on December 13, 2021  |  This post may contain affiliate links. Read my disclosure policy here. These Fidget Popper Spiral Notebooks are so fun! Jane has these Fidget Popper Spiral Notebooks for just $19.99 shipped right now! Choose from four colors. Psst! Looking for more gift ideas guaranteed by Christmas with free shipping? Check out this page for a huge selection of

Why your home insurance rates are rising

Photo by Anastasiya Gepp from Pexels At first glance, James Arnold looks like an insurance company’s dream client. The Richmond, B.C., resident has owned his current home for more than two decades, has been with the same insurance company for almost 20 years, and in all those years had never made a claim. At least, not until recently when a tree fell on his property, clipping his detached garage and ripping the power lines right off his home. “It was a small claim,” he says, “at a c

Basic Fun Lite-Brite Ultimate Classic Retro Toy only $12.54!

Home » Deals » Basic Fun Lite-Brite Ultimate Classic Retro Toy only $12.54! Published: by Gretchen on December 13, 2021  |  This post may contain affiliate links. Read my disclosure policy here. This is a great deal for this popular Basic Fun Lite-Brite Ultimate Classic Retro Toy! Amazon has this Basic Fun Lite-Brite Ultimate Classic Retro Toy for only $12.54 right now! This toy helps increase creativity and develop fine motor skills hand-eye coordination!

Personal Income Tax Guide: The deadline for filing your 2021 return, tax brackets and more

Photo by Ekaterina Bolovtsova from Pexels The year 2021 has been a year about money, from the latest crypto to inflation to housing prices to taxes. While money trends can go up and down—or up and up for certain matters—taxes can be more predictable, if you’re prepared. This year’s MoneySense income tax guide includes the things you need to know: the deadline for filing your 2021 return, which tax brackets you fall into, COVID-related tax breaks, often-missed tax deductions and more

The Sak & Sakroots Crossbody Bags and Wallets only $21.99 + shipping!

Home » Deals » The Sak Sakroots Crossbody Bags and Wallets only $21.99 + shipping! Published: by Gretchen on December 9, 2021  |  This post may contain affiliate links. Read my disclosure policy here. These are amazing deals on The Sak Sakroots products! Zulily has The Sak Sakroots Crossbody Bags and Wallets for just $21.99 right now! There are several designs to choose from. Shipping starts at $5.99. But if you place one order today, the rest of your orders w

What can you claim on your income taxes: 7 deductions not to miss

Photo by Nataliya Vaitkevich from Pexels There are some tax deductions and credits you know you should claim on your income tax return every year. It’s unlikely you’ll ever forget to deduct your RRSP contributions, for example, and claiming a tax credit for your charitable donations is a no-brainer. But other claims can be easy to overlook if they’re new—or just new to you because you haven’t had the opportunity to use them before. With that in mind, here are some of the deduc

Jif Creamy Peanut Butter, 16 Ounces (Pack of 3) only $5.37 shipped!

Home » Deals » Jif Creamy Peanut Butter, 16 Ounces (Pack of 3) only $5.37 shipped! Published: by Gretchen on December 10, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Stock up on peanut butter with this deal! Amazon has this Jif Creamy Peanut Butter, 16 Ounces (Pack of 3) for just $5.37 shipped when you clip the $1.44 off e-coupon and checkout through Subscribe Save! That’s just $1.79 per container shipped — which is a G

Best cryptocurrencies to invest in for 2022

Photo by Anna Nekrashevich from Pexels What are the best cryptocurrencies to invest in right now and in 2022? We spoke to some crypto experts to find out which digital tokens will likely perform well and why. You’ll see familiar names and a few promising altcoins that might be new to you. Whether you’re an experienced cryptocurrency investor or just crypto-curious, you’ll find ideas for your portfolio. (All values and prices are current as of Nov. 25, 2021.) First, a recap of 2021

Mega Bloks First Builders Big Building Blocks (80 Pieces) only $12.88 (Reg. $25)!

Home » Deals » Mega Bloks First Builders Big Building Blocks (80 Pieces) only $12.88 (Reg. $25)! Published: by Gretchen on December 9, 2021  |  This post may contain affiliate links. Read my disclosure policy here. These Mega Bloks First Builders Big Building Blocks are great for little hands! Walmart has this Mega Bloks First Builders Big Building Blocks for just $12.88 right now (regularly $24.99)! Choose free in-store pickup to avoid shipping costs. Reade

6 Ways to Show Your Support during Black Business Month

by Candice Davie August is National Black Business Month! According to the U.S. Census Bureau, there are over 2 million black-owned businesses in the U.S, and that number continues to grow. While this is great progress, the fact remains that minority-owned businesses on average still have smaller cash reserves to survive tough times.   Despite a collective buying power of $1.3 Trillion dollars, a fraction of that is spent on Black-owned businesses. Money has the power to be a great equal

Muk Luks Socks Sets only $9.99 + shipping!

Home » Deals » Muk Luks Socks Sets only $9.99 + shipping! Published: by Gretchen on December 8, 2021  |  This post may contain affiliate links. Read my disclosure policy here. These Muk Luks Socks Sets are so cute! Zulily has these Muk Luks Socks Sets for just $9.99 right now! There are lots of cute designs to choose from. Shipping starts at $5.99. But if you place one order today, the rest of your orders will ship for FREE through 11:59 p.m. PT tonight! Rea

The tax implications of gifting adult children money and more

Photo by Andrea Piacquadio from Pexels I am a widower, turning 71 before the end of the year. I have annual gross income of about $50,000, cash savings of about $500,000 left from the sale of my principal residence and an RRSP of about $1.5 million returning about 8%. I haven’t put anything into my RRSP for about 15 years. I also have a fully paid vacation property valued at $300,000. I am concerned that I will have to collapse some of my very productive investments to cover the govern

Ultimate List of Cheap Stocking Stuffers Under $10 (Ideas for Men, Women, Teens, & Kids!)

Home » LITE Feed (non-deal) Posts » Ultimate List of Cheap Stocking Stuffers Under $10 (Ideas for Men, Women, Teens, Kids!) Published: by Meg on December 6, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Looking for cheap stocking stuffers this year? This is the ultimate list of stocking stuffers for him, her, teens, kids — all under $10!! (And don’t miss this list of Dollar Tree Stocking Stuffers, if you’re in need of more frugal

Making sense of the markets this week: December 5

Photo by Ono Kosuki from Pexels Each week, Cut the Crap Investing founder Dale Roberts shares financial headlines and offers context for Canadian investors.  It’s the econOMI, stupid!  The new COVID variant, now given the handle of Omicron, hit the newswires just as I had submitted last week’s (most excellent) post. The news spread quickly around the globe, and it caught the attention of the markets.  Last week, I wrote about the risk of investing in energy stocks, including the

How to buy dogecoin (DOGE) in Canada

Photo by Rūdolfs Klintsons from Pexels A flurry of celebrity shoutouts, dramatic headlines and social media chatter this year has created a buzz around cryptocurrencies. The steep and spectacular rise of crypto heavyweights bitcoin and ethereum lifted the value of many smaller coins, whose price movements are often tidally locked to larger peers. One such small cryptocurrency is dogecoin, or DOGE, a digital coin known until recently only to a small community of devout crypto enthusiast

It’s back!! HUGE Magazine Subscription Black Friday Sale!

Home » Deals » It’s back!! HUGE Magazine Subscription Black Friday Sale! Published: by Meg on December 4, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Don’t miss this HUGE Black Friday Sale on magazine subscriptions!! Due to the popularity of this Black Friday Sale, they’ve brought back this HOT deal for the weekend! Discount Mags is running a HUGE Black Friday sale on magazine subscriptions ! Choose from hundreds

Krispy Kreme: Get a dozen Chocolate Glazed Doughnuts for just $5 with purchase!

Home » Deals » Restaurant Deals » Krispy Kreme: Get a dozen Chocolate Glazed Doughnuts for just $5 with purchase! Published: by Gretchen on December 3, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Looking for the latest Krispy Kreme coupons, rewards, and specials? Don’t miss this new deal!! {Psst! Be sure to check out all the other recent restaurant deals we’ve posted!} Today only, December 3rd, Krispy Kreme will

Making sense of the markets this week: November 28

Photo by Sam Forson from Pexels Each week, Cut the Crap Investing founder Dale Roberts shares financial headlines and offers context for Canadian investors.  The greenification commodities supercycle  While there may be a broader commodities supercycle underway, what appears to be more of a sure thing is the green commodities supercycle. To reach our global net-zero CO2 targets by 2050, and the interim targets for 2030, nations around the world will have to produce a spectacular numbe

Possible Free Simple Facial Scrub Sample!

Home » Freebies » Possible Free Simple Facial Scrub Sample! Published: by Gretchen on December 2, 2021  |  This post may contain affiliate links. Read my disclosure policy here. See if you qualify to get a free Simple Facial Scrub Sample! Fill out the short form to see if you qualify to score a FREE Simple Facial Scrub Sample ! Thanks, Free Stuff Finder! Reader Interactions Money Saving Mom® Comment Policy We love comments from readers, so chime in with

50% off Under Armour ColdGear Apparel + Free Shipping!

Home » Deals » 50% off Under Armour ColdGear Apparel + Free Shipping! Published: by Gretchen on December 3, 2021  |  This post may contain affiliate links. Read my disclosure policy here. If you love Under Armour, check out this sale on ColdGear Apparel! Right now, Under Armour is offering 50% off select ColdGear Apparel when you use the promo code COLDGEAR50 at checkout! Plus, shipping is free when you create or sign into your account. Here are some deals yo

How to buy polkadot (DOT) in Canada

Photo by Aukid Phumsirichat from Pexels Despite being a relatively new entrant to the burgeoning cryptosphere, polkadot is fast gaining traction and investor attention. Bitcoin and ethereum are still the crown jewels of the US$3 trillion cryptocurrency market, but polkadot (ticker symbol DOT) is swiftly powering its way up the ranks. DOT first launched publicly just over a year ago, yet this relatively unknown coin has found a place amongst the top 10 crypto heavyweights—a testament t

Ozark Trail 20L Thomas Hollow Backpack only $9.97!

Home » Deals » Ozark Trail 20L Thomas Hollow Backpack only $9.97! Published: by Gretchen on December 1, 2021  |  This post may contain affiliate links. Read my disclosure policy here. This is a great deal on this Ozark Trail 20L Thomas Hollow Backpack! Walmart has this Ozark Trail 20L Thomas Hollow Backpack with Insulated Cooler Pocket for just $9.97 rig ht now (regularly $19.97)! Bursting with comfort and organizational options this 20 Liter daypack has a spa

Christmas Pot Holders for $9.99 shipped!

Home » Deals » Christmas Pot Holders for $9.99 shipped! Published: by Meg on December 1, 2021  |  This post may contain affiliate links. Read my disclosure policy here. These Christmas Pot Holders would make great frugal gifts! Jane has these Christmas Pot Holders on sale for $9.99 shipped today! Choose from 15 fun designs and three colors! These are great budget-friendly gifts for teachers, neighbors, and more! Psst! We love Jane! Looking for other great Jan

KidKraft Super Model Wooden Dollhouse only $55 shipped (Reg. $140!), plus more!

Home » Deals » KidKraft Super Model Wooden Dollhouse only $55 shipped (Reg. $140!), plus more! Published: by Gretchen on November 30, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Reader Interactions Money Saving Mom® Comment Policy We love comments from readers, so chime in with your thoughts below! We do our best to keep this blog upbeat and encouraging, so please keep your comments cordial and kind. Read more information on our co

Has the pandemic ended the dream of retiring abroad?

Photo by Anukrati Omar on Unsplash Before COVID-19 hit, a common dream was retiring abroad. For many Canadians, the enticement has been “geo-arbitrage,” which simply means moving to a place where the cost of living is lower than at your current home. Given that Canadian housing is so expensive, most places you might choose to retire abroad could work out cheaper, which in turn might make early retirement possible. But how has the pandemic and the lockdowns impacted this dream? Pre-

Carter’s: $6 Holiday PJ Pants and $7 Fleece Footies + Free Shipping!

Home » Deals » Carter’s: $6 Holiday PJ Pants and $7 Fleece Footies + Free Shipping! Published: by Gretchen on November 29, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Wow! Carter’s has a couple of great deals today! Carter’s has Holiday PJ Pants for just $6 today! Plus, shipping is free on all orders. There are several fun designs to choose from. You can also get Fleece Footies for just $7 shipped ! These are

How GICs can help you save for your short-term goals

Photo by Oleg Magni from Pexels Let’s talk about short-term savings. By short-term, we’re talking about putting away money for a few months, or even a few years, for a big goal, like a vacation, a wedding or a down payment on a home. Where should you put your savings so they’ll be secure and work for you? When saving, you have several options, but if you want your money to work for you, hedge against market volatility and earn some interest, the often-overlooked GIC could be a sma

Skywalker Trampolines 55-Inch Bounce-N-Learn Trampoline only $49.88 shipped (Reg. $85!)

Home » Deals » Skywalker Trampolines 55-Inch Bounce-N-Learn Trampoline only $49.88 shipped (Reg. $85!) Published: by Gretchen on November 26, 2021  |  This post may contain affiliate links. Read my disclosure policy here. This Skywalker Trampolines 55-Inch Bounce-N-Learn Trampoline looks like so much fun! Walmart has this Skywalker Trampolines 55-Inch Bounce-N-Learn Trampoline for just $49.88 shipped right now! This trampoline features a sturdy frame and inte

Women’s Gaiam Leggings for $16.99! (Reg. $54!)

Home » Deals » Women’s Gaiam Leggings for $16.99! (Reg. $54!) Published: by Meg on November 26, 2021  |  This post may contain affiliate links. Read my disclosure policy here. This is a great price on Gaiam Leggings! Kohl’s is offering a fantastic deal on Gaiam Leggings for Black Friday: Gaiam Leggings — $19.99 (Reg. $54) Use code ENJOY15 to get an extra 15% off Pay $16.99 after code Shipping is free on orders over $75 or choose free in-store pick

How much are trading fees?

Photo by Mimi Thian on Unsplash Individual stock trading has exploded during the pandemic with the rise of meme stocks, investing FOMO and free trading platforms. New investors poured money into stocks looking to make a quick buck, and in most cases the markets obliged. Indeed, Canadian and U.S. stock returns have soared since the brief market meltdown in March 2020. If you started investing recently, you could be forgiven for thinking that trading is easy. But investors can learn and i

*HOT* Unique Gift Ideas for Coffee Lovers! (Exclusive 15% Discount!!)

Home » Deals » *HOT* Unique Gift Ideas for Coffee Lovers! (Exclusive 15% Discount!!) Published: by Meg on November 26, 2021  |  This post may contain affiliate links. Read my disclosure policy here. If you know someone who loves coffee, be sure to check out these great deals! Bean Box is currently offering our readers an exclusive deal to get 15% off any $30+ order with code MSM15 at checkout! And the cool thing is that even though they’re a subscription s

How does credit card debt affect a mortgage application?

Photo by Mikhail Nilov from Pexels If you’re shopping around for a mortgage, you probably already know that lenders ask for a ton of financial information before determining how much you can borrow. That list includes your household income, down payment amount and how much you owe—including credit card debt, car payments and unsecured personal. Get the mortgage rate that works for you. Find the best rate for you in under 2 minutes at ratehub.ca. Let's get started. You will be

Walgreens Holiday Cards Discount | Get 60% Off!

Home » Deals » Walgreens Holiday Cards Discount | Get 60% Off! Published: by Meg on November 24, 2021  |  This post may contain affiliate links. Read my disclosure policy here. If you’re looking for deals on Christmas cards, don’t miss this GREAT deal to get 60% off Walgreens Holiday Cards right now! Walgreens Holiday Cards Discount Walgreens is offering 60% off their holiday photo cards  right now! Just use coupon code  HOLIDAYSIXTY at checkout to get

Making sense of the markets this week: November 21

Photo by Pavel Danilyuk from Pexels Each week, Cut the Crap Investing founder Dale Roberts shares financial headlines and offers context for Canadian investors.  What’s in store for retailers this holiday shopping season?  It appears the holiday shopping season might come early in 2021. Consumers—a.k.a. gift givers—have been warned that thanks to supply chain issues, store shelves could become bare sooner rather than later. Or at least you might have to wait weeks and months for

Reading Comfy Sweatshirts for $25.99 shipped!

Home » Deals » Reading Comfy Sweatshirts for $25.99 shipped! Published: by Meg on November 23, 2021  |  This post may contain affiliate links. Read my disclosure policy here. If you know someone who loves to read, these are so cute! Yay! This super popular deal has been restocked!! Jane has these Reading Comfy Sweatshirts for $25.99 shipped right now! Choose from nine fun designs and six colors. This is such a great gift idea for someone who loves to read! Th

Do RRIF beneficiaries pay tax?

Photo by Polina Tankilevitch from Pexels As the beneficiary of a RRIF, can I transfer the funds to my RRSP or RRIF to avoid taxes?  I am 71 and have to transfer my funds to a RRIF by December 31. Gay Sorry for your loss, Gay. I am happy to try to provide some input here. When a taxpayer dies, they are deemed to have disposed of their assets on their date of death. This includes a registered retirement income fund (RRIF). The fair market value of their RRIF is generally reported o

Barbie Color Reveal Advent Calendar for $19.99 + shipping!

Home » Deals » Barbie Color Reveal Advent Calendar for $19.99 + shipping! Published: by Meg on November 23, 2021  |  This post may contain affiliate links. Read my disclosure policy here. This Barbie Advent Calendar is perfect for little ones who love Barbie! Zulily has this Barbie Color Reveal Advent Calendar for just $19.99 today! This is priced at $29.99 everywhere else online right now and it’s a super popular holiday gift this year. This advent calend

How to buy Stellar / XLM in Canada

Photo by RODNAE Productions from Pexels Since the cryptocurrency market crash in May, smaller altcoins have been steadily stealing the march on leading digital coins. Altcoins’ relatively faster rise in value, compared to crypto heavyweights like bitcoin and ether, has sparked dramatic investor interest in some lesser-known tokens over the past year. One of the beneficiaries of this trend has been Stellar lumens. With a price point below US$1 and annual gains equalling that of Ripple

Old Navy: Adult Plush Winter Tees only $6, Girl’s Tees only $5 Today!

Home » Deals » Old Navy: Adult Plush Winter Tees only $6, Girl’s Tees only $5 Today! Published: by Gretchen on November 23, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Need to grab a few tees for winter? Here’s a great deal at Old Navy today! Today only, Old Navy has Men’s and Women’s Plush Winter Tees for just $6 ! There are several styles and colors to choose from. You can also get Girl’s Cozy-Knit Shirt

When taxes are due—and other things to know about your 2021 income taxes

Photo by Polina Kovaleva from Pexels It’s our second pandemic tax year and, once again, not all of us are sure what to expect when we file our taxes.  Last year, as COVID-19 lockdowns forced many Canadians to work from home, taxpayers naturally wondered what employment-related expenses they might be allowed to write off. There were questions about claiming masks, office furniture, the $400 home office credit, and internet/phone usage. Then there were concerns about how government ben

Nike Women’s Air Zoom Pegasus 38 Running Shoes only $47.97 shipped (Reg. $120!)

Home » Deals » Nike Women’s Air Zoom Pegasus 38 Running Shoes only $47.97 shipped (Reg. $120!) Published: by Gretchen on November 18, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Need new running shoes? Score these Nike Women’s Air Zoom Pegasus 38 Running Shoes for a great deal! Academy Sports has these Nike Women’s Air Zoom Pegasus 38 Running Shoes for just $47.97 shipped right now (regularly $119)! This is a fantasti

2021 tax season primer: Our roundup of the best tax tips for Canadians

Photo by Kelly Sikkema on Unsplash Doing your taxes can be a bit like building IKEA furniture. There are lots of different pieces, the instructions aren’t always clear, and it’s often feels like it could be easier just to call in the hired pros. That’s why we rounded up our favourite expert tax advice. Whether you’re going full DIY on your income tax return or engaging a professional, these tips should help you make sense of the rules so you can keep your tax bill (and frustration)

Halo Sleep Black Friday Sale: 30% Off BassiNest Glide Sleeper and Wearable SleepSack Baby Blankets

Home » Deals » Halo Sleep Black Friday Sale: 30% Off BassiNest Glide Sleeper and Wearable SleepSack Baby Blankets Published: by Meg on November 18, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Don’t miss this rare discount on Halo Sleep products for Black Friday! {Sponsored by Halo Sleep. Read our disclosure policy here.} Halo Sleep Black Friday Sale Halo Sleep is running an early Black Friday Sale on their BassiNest Glid

Making sense of the markets this week: November 14

Photo by Karolina Grabowska from Pexels Each week, Cut the Crap Investing founder Dale Roberts shares financial headlines and offers context for Canadian investors. Cyclical stocks may be ready for liftoff  Cyclical stocks are priced similarly to the 1960s, early 1980s, early 1990s and early 2000s, according to Jim Paulsen, strategist at Leuthold Group. Those were periods that signalled the beginning of major bull market runs. He adds a bit of hyperbole perhaps suggesting that cyclica

Creating Back to School Meals with Amazon

This post is sponsored by Amazon, however all thoughts and opinions are my own. Although my toddler isn’t in a traditional school yet, he does plenty of learning at home and has a full agenda that keeps us ALL active. I’m a firm believer in eating for the lifestyle that you have and the energy that you need. This summer we’ve really focused on enjoying the weather and the moments created outdoors. As a result, we have deviated from our minimally processed, low sugar diet. Now that fall

Mixbook: 55% off All Christmas Cards + Free Printed Envelopes!

Home » Deals » Mixbook: 55% off All Christmas Cards + Free Printed Envelopes! Published: by Gretchen on November 19, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Planning to send out Christmas cards? Here’s a great deal from Mixbook today! Today only, Mixbook is offering 55% off all Holiday Cards + Free Printed Envelopes when you use the promo code FOUR at checkout! This is a great deal and just in time to order those Chri

Dream On Me Nest Portable Play Yard only $38.90 shipped (Reg. $70!)

Home » Deals » Dream On Me Nest Portable Play Yard only $38.90 shipped (Reg. $70!) Published: by Gretchen on November 18, 2021  |  This post may contain affiliate links. Read my disclosure policy here. This Dream On Me Nest Portable Play Yard is a fantastic deal! Amazon has this Dream On Me Nest Portable Play Yard in Grey for just $38.90 shipped right now! This is regularly $69.99 and has amazing reviews. Perfect for traveling or the grandparents house. Sign

Making sense of the markets this week: November 14

Photo by Karolina Grabowska from Pexels Each week, Cut the Crap Investing founder Dale Roberts shares financial headlines and offers context for Canadian investors. Cyclical stocks may be ready for liftoff  Cyclical stocks are priced similarly to the 1960s, early 1980s, early 1990s and early 2000s, according to Jim Paulsen, strategist at Leuthold Group. Those were periods that signalled the beginning of major bull market runs. He adds a bit of hyperbole perhaps suggesting that cyclica

Honey Nut Cheerios only $1.79 shipped!

Home » Deals » Honey Nut Cheerios only $1.79 shipped! Published: by Gretchen on November 17, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Grab a great deal on Honey Nut Cheerios without leaving your house! Amazon has this Honey Nut Cheerios Cereal for just $1.79 shipped when you checkout through Subscribe Save! That’s a great price. Note: Once your order ships, you can go into your Amazon account and cancel your subscripti

The trouble with overestimating your investing risk tolerance

Photo by Nathan Dumlao on Unsplash If you’ve been investing for a while, you’ve heard that expecting higher long-term returns usually means accepting the risk of larger short-term losses. Too many inexperienced investors forget this trade-off and choose portfolios that are far too risky. When those short-term losses eventually happen, they sell in a panic and may never fully recover from the experience. New investors—especially if they’re young—may be especially prone to this

Possible Free $10 Credit with $50 Amazon Gift Card Purchase!

Home » Deals » Possible Free $10 Credit with $50 Amazon Gift Card Purchase! Published: by Gretchen on November 15, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Check out this hot deal on Amazon gift cards right now! Select Amazon accounts can currently get a FREE $10 Amazon credit when you buy $50 in Amazon gift cards ! Go HERE to see if you’re eligible! Simply purchase $50 or more in select Amazon Gift Cards to your cart

Should you take RRSP withdrawals to pay down debt?

Photo by Mikhail Nilov from Pexels My husband is not working, and I have $50,000 in my RRSP. Can I withdraw that and put it against my mortgage so I can have less monthly mortgage to pay? – SK Does it make sense to withdraw from an RRSP to pay a mortgage? Sorry to hear about your husband’s job, SK. The unemployment rate is still higher than pre-pandemic at 6.7% in October 2021, but much lower than the 13.7% peak in May 2020. If he was receiving the Canada Recovery Benefit, th

Watch: Investing in cryptocurrency (and crypto EFTs)

MoneySense is a digital magazine and financial media website, featuring content produced by journalists and qualified financial professionals. MoneySense is owned by Ratehub Inc., but remains editorially independent. While our goal is to provide accurate and up-to-date financial content, we encourage readers to practice critical thinking and cross-reference information with their own sources—especially before making any financial decisions. While our editorial team does its best to ensure acc

Inbox Dollars: Get paid to read emails, take surveys, search the web, and more!

Home » Money » Making Money » Inbox Dollars: Get paid to read emails, take surveys, search the web, and more! Published: by Crystal Paine on November 13, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Looking for ways to make some extra money from home? Try Inbox Dollars! Sign up for Inbox Dollars and you’ll get paid to read emails, search the web, take surveys, and more. I loved earning free gift cards from this compa

Up to 40% off Games for the Family!

Home » Deals » Up to 40% off Games for the Family! Published: by Gretchen on November 12, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Add some fun games to your collection with this big sale! Right now, Zulily is offering up to 40% off games for the family ! Plus, when you buy any three items on Zulily today, you will save an extra 15% off at checkout. There are lots of fun and unique games in this sale. Shipping starts at

Are energy stocks a good buy right now?

Photo by Loïc Manegarium from Pexels One of the big surprises to many investors in 2021 has been the resurgence of the energy sector—not alternative energies, like solar or wind, but good old-fashioned oil (black gold), natural gas and even coal. What’s happening with energy stocks MoneySense columnist Dale Roberts was early in identifying this trend last year, when he mentioned this Canadian energy ETF back in October 2020: iShares SP/TSX Capped Energy Index ETF: XEG/TSX. While

Women’s 2-Piece Fleece Pajama Set only $9.99 (Reg. $44!)

Home » Deals » Women’s 2-Piece Fleece Pajama Set only $9.99 (Reg. $44!) Published: by Gretchen on November 12, 2021  |  This post may contain affiliate links. Read my disclosure policy here. This Women’s 2-Piece Fleece Pajama Set would make a great gift idea! JCPenney has these Women’s 2-Piece Fleece Pajama Sets for just $9.99 right now! These are regularly $44 and this is a great deal. Choose from eight color options in sizes XS to XXL. What a great gi

Making sense of the markets this week, November 14

Photo by Karolina Grabowska from Pexels Each week, Cut the Crap Investing founder Dale Roberts shares financial headlines and offers context for Canadian investors. Cyclical stocks may be ready for liftoff  Cyclical stocks are priced similarly to the 1960s, early 1980s, early 1990s and early 2000s, according to Jim Paulsen, strategist at Leuthold Group. Those were periods that signalled the beginning of major bull market runs. He adds a bit of hyperbole perhaps suggesting that cyclica

Barbie Estate 3-in-1 Dreamcamper Vehicle with Accessories for just $60 shipped!

Home » Deals » Barbie Estate 3-in-1 Dreamcamper Vehicle with Accessories for just $60 shipped! Published: by Meg on November 11, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Don’t miss this great deal on the popular Barbie Dreamcamper! As an early Black Friday deal, Walmart has this Barbie Estate 3-in-1 Dreamcamper Vehicle with Accessories for just $60 shipped ! This is a big price cut and such a great deal! It probably won�

The MoneySense ETF Finder Tool

Photo by cottonbro from Pexels Welcome to the MoneySense ETF Finder tool. Below you will see tables for different ETF categories, offering ETF options from some of the best ETF providers in Canada. We’ve included each ETF’s index, ticker symbol, fees, yield and performance history.  What are ETFs? Exchange-traded funds (ETFs) are investments that allow investors to build a well-balanced and globally diversified portfolio for a fraction of the cost of mutual funds. The most common a

Last Week’s $67 Aldi & Kroger Shopping Trips

Published: by Crystal Paine on November 8, 2021  |  This post may contain affiliate links. Read my disclosure policy here. I went to Aldi and Kroger again last week. Here’s what I bought… I was excited about the deal on eggs, avocados, and flour this week! I had a little helper while I was trying to lay the groceries out. She’s smart: she went for the peanut butter chocolate wafers! We already had 5 bags of flour in the freezer from a recent sale, so I only

Making sense of the market this week, November 7

Photo by Kindel Media from Pexels Each week, Cut the Crap Investing founder Dale Roberts shares financial headlines and offers context for Canadian investors.  October delivered the goods October delivered 7% gains for the U.S. market (SP 500). That topped the 5% offered in May 2021. Canadian markets, as measured by the SP Capped Composite, returned 5% for last month. These are crazy times for most markets, as 7% would be classified as a solid year for stock markets. We received that 7

11 Books for Financial Freedom and Building Wealth

by Candice Davie If you’re like most people, you may not have learned that much about effective ways to manage your money from family or in school, and have spent a lot of time trying to figure it all out on your own. Reading personal finance books is a great way to get valuable knowledge and tips that can help you take your finances to the next level.  A good personal finance book is one that drops credible and simple gems on the psychology behind managing money, budgeting, savings, invest

Free Tresemme Hair Care Products at Walgreens!

Home » Deals » Free Tresemme Hair Care Products at Walgreens! Published: by Gretchen on November 8, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Don’t miss this hot freebie on Tresemme Hair Products! You can score FREE Tresemme Hair Care Products at Walgreens this week! Here’s how: Buy 2 Tresemme Hair Care – 2 for $10 Use $5/2 Tresemme Hair Care Digital Coupon Get Back $5 Register Rewards for spending $10 Free afte

Making sense of the markets this week, October 31, 2021

Photo by Gustavo Fring from Pexels Each week, Cut the Crap Investing founder Dale Roberts shares financial headlines and offers context for Canadian investors.  Scotiabank says 8 rate hikes are on the way  Scotiabank’s Derek Holt shared that we could see eight rate hikes in Canada over the next two years. That is aggressive. Rate hikes would likely deflate the real estate market and perhaps stock market and, by design, put a brake on personal spending and on economic activity.  Inc

SCOUT Uptown Girl Totes only $16.99 + shipping (Reg. $43!)

Home » Deals » SCOUT Uptown Girl Totes only $16.99 + shipping (Reg. $43!) Published: by Gretchen on November 8, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Wow! This is a hot deal on this SCOUT Uptown Girl Tote! Today only, Zulily has these SCOUT Uptown Girl Totes for just $19.99 ! Plus, when you shop through our link, you will save an extra 15% off at checkout making them only $16.99! There are lots of colors to choose from.

How to overcome investing FOMO

Photo by Rod Long on Unsplash A while back, I was having dinner at one of those teppanyaki restaurants where you share your table with strangers as a Japanese chef cooks your food theatrically on a griddle. The folks next to me struck up a conversation and asked what I did for a living. When I said I was an investment advisor, they proceeded to regale me with stories about their recent adventures with bitcoin, gold and some stocks I’d never heard of. Then they asked me what I’d been bu

Push Pop Anti-Stress Handbags for $14.99 + shipping!

Home » Deals » Push Pop Anti-Stress Handbags for $14.99 + shipping! Published: by Meg on November 4, 2021  |  This post may contain affiliate links. Read my disclosure policy here. These handbags are so cute! You can get these Push Pop Anti-Stress Handbags for $14.99 today! There are several cute styles to choose from and these would be such fun gift ideas!! Shipping starts at $5.99. But if you place one order today, the rest of your orders will ship for FREE

Making sense of the markets this week, October 31, 2021

Photo by Gustavo Fring from Pexels Each week, Cut the Crap Investing founder Dale Roberts shares financial headlines and offers context for Canadian investors.  Scotiabank says 8 rate hikes are on the way  Scotiabank’s Derek Holt shared that we could see eight rate hikes in Canada over the next two years. That is aggressive. Rate hikes would likely deflate the real estate market and perhaps stock market and, by design, put a brake on personal spending and on economic activity.  Inc

Keurig K-Compact Single-Serve K-Cup Pod Coffee Maker only $35 shipped (Reg. $67!)

Home » Deals » Keurig K-Compact Single-Serve K-Cup Pod Coffee Maker only $35 shipped (Reg. $67!) Published: by Gretchen on November 4, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Looking for a new coffee maker? This is a hot deal on this Keurig K-Compact Single-Serve K-Cup Pod Coffee Maker! Walmart has the Keurig K-Compact Single-Serve K-Cup Pod Coffee Maker in Black for just $35 shipped as part of their Early Black Friday

Altcoins vs. bitcoin: What to consider while building your crypto portfolio

Photo by Worldspectrum from Pexels Cryptocurrencies have skyrocketed in popularity over the last couple of years. While bitcoin remains the “king of the hill” of virtual coins, some other altcoins (smaller cryptos) are gaining traction and market value, driven by broader acceptance among retail and institutional investors. As the concept of digital currencies works itself deeper into the mainstream, the conversation has evolved to an “altcoins versus bitcoin” debate and what to

Canada Weather Gear Women’s Long Puffer with Sherpa in Hood only $64.99 shipped (Reg. $210!)

Home » Deals » Canada Weather Gear Women’s Long Puffer with Sherpa in Hood only $64.99 shipped (Reg. $210!) Published: by Gretchen on November 3, 2021  |  This post may contain affiliate links. Read my disclosure policy here. This is a fantastic price on this Canada Weather Gear Women’s Long Puffer! Proozy has this Canada Weather Gear Women’s Long Puffer with Sherpa in Hood for just $64.99 shipped when you use the promo code MSM112AM-6499+FS-FS at check

Making sense of the markets this week, October 24, 2021

Photo by Thought Catalog from Pexels Each week, Cut the Crap Investing founder Dale Roberts shares financial headlines and offers context for Canadian investors.  The U.S. earnings beat just keeps coming  For week one of the earnings season, 41 SP 500 companies reported their third-quarter results, and 80% beat earnings expectations, according to FactSet . While reports have been strong, investors are looking for commentary from corporate America about supply chain issues and inflati

Reasons to consider early RRSP and RRIF withdrawals

Photo by Mikhail Nilov from Pexels Workers contribute to their registered retirement savings plans (RRSPs) during their working years, with the hope of paying a lower tax rate on withdrawals than the tax rate they save when contributing. Even if the tax rates are similar, there can be a benefit to the tax deferral and compounding of investment income over the years. Contributors who pay more tax on withdrawals than they save on their contributions may not come out ahead, so low-income worke

Farberware Professional 23-piece Gray Mix and Measure Baking Set only $10 (Reg. $25!)

Home » Deals » Farberware Professional 23-piece Gray Mix and Measure Baking Set only $10 (Reg. $25!) Published: by Gretchen on November 4, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Need new baking bowls? This is a really great deal! Walmart has this Farberware Professional 23-piece Gray Mix and Measure Baking Set for just $10 as part of their Early Black Friday Deals! This set includes 3 mixing bowls, 4 prep bowls with 4

I love this lightweight jacket for just $17 shipped! (Reg. $90)

Home » Deals » I love this lightweight jacket for just $17 shipped! (Reg. $90) Published: by Crystal Paine on November 1, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Wow! Don’t miss this deal on a Madden Girl Women’s Jacket!! If you missed this deal last time, it’s back at an even lower price! Proozy currently has this Madden Girl Women’s Jacket for just $17 shipped when you use code MSM111AM-17-FS at chec

Making sense of the markets this week, October 31, 2021

Photo by Gustavo Fring from Pexels Each week, Cut the Crap Investing founder Dale Roberts shares financial headlines and offers context for Canadian investors.  Scotiabank says 8 rate hikes are on the way  Scotiabank’s Derek Holt shared that we could see eight rate hikes in Canada over the next two years. That is aggressive. Rate hikes would likely deflate the real estate market and perhaps stock market and, by design, put a brake on personal spending and on economic activity.  Inc

Last Week’s $67 Kroger Shopping Trip

Published: by Crystal Paine on November 1, 2021  |  This post may contain affiliate links. Read my disclosure policy here. I was excited about the seltzer water and cheese deals at Kroger this week! There weren’t that many produce markdowns, but I picked up all three of these bags and was especially excited about a few marked down avocados! There was a lot of marked down meat, but it was mostly more expensive than I’ll pay — even for marked down meat. Though I

What’s the Rule of 30? And what does it have to do with income and retirement?

Photo by Johannes W on Unsplash If you’ve never heard of the Rule of 30, welcome to the club. You may be hearing about it more though. This month, retirement expert and semi-retired actuary Fred Vettese is publishing a new book: The Rule of 30: A Better Way to Save for Retirement (ECW Press, 2021).  I thought initially this new rule sounded familiar: Back in 1998, another actuary, Malcolm Hamilton wrote the foreword for my co-authored book, The Wealthy Boomer, which talked about the

Fun Unicorn Pop-It Purses for $18.99 shipped!

Home » Deals » Fun Unicorn Pop-It Purses for $18.99 shipped! Published: by Meg on November 1, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Oh my goodness, these are SO cute! You can get these fun Unicorn Pop-It Purses for $18.99 shipped right now! Choose from four colors. These are sure to be a HIT with young girls or pre-teens! I just grabbed three for my nieces and they’re going to FLIP! Psst! We love Jane! Looking for o

Altcoins vs. bitcoin: What to consider while building your crypto portfolio

Photo by Worldspectrum from Pexels Cryptocurrencies have skyrocketed in popularity over the last couple of years. While bitcoin remains the “king of the hill” of virtual coins, some other altcoins (smaller cryptos) are gaining traction and market value, driven by broader acceptance among retail and institutional investors. As the concept of digital currencies works itself deeper into the mainstream, the conversation has evolved to an “altcoins versus bitcoin” debate and what to