Promotion versus production

The problem of inadequate ranking systems which are easy to game seems to be a “social problem” which pertains to more than just alexa rankings. Basically, if you sell a product, you have to find some balance between promoting it or selling more and increasing quality (see this post for a book review which discusses these problems). In academia this involves striking a balance between doing research and going to conferences. For the student it involves striking a balance between studying

Alternatives to a consumer economy and the point of humanity

Occasionally people protest that if everybody retired early, the consumer economy would collapse(*). Similarly, I imagine the PR people working for Nike receiving correspondence that if everybody went into the shoe industry, the world would quickly find itself covered in shoes. Obviously, you see the “problem!” However, for the sake of the argument lets assume that everybody really did decide to stop consuming. What would happen to the economy? It is important to realize that a consumer e

Cauliflower omelet – another sub-dollar meal.

One cooked cauliflower for the elven kings under the sky, an equal volume of boiled potatoes for the dwarf lords, nine dashes of pepper for mortal men, doomed to die. One pan for the dark lord, also a lid, and enough eggs to rule them all and in darkness bind them together in the pan of Mordor – Served with fresh tomatoes and slices of cucumber Originally posted 2008-04-16 07:10:09.

Kantian morals and early retirement

I have demonstrated, in theory and in practice, that it is possible to become financially independent in about half a decade if one so chooses. All it requires is a 75% savings rate and a median income job. Now, for some reasons, which I can not really figure out, this idea is occasionally challenged by people who argue their case using what appears to be Kant’s categorical imperative. The categorical imperative is essentially a test of what would happen if everybody did it. For example:

MBTI and societal behavioral patterns

I think the reason that many people have the need to spend so much money and save more than 1 million for retirement is that is that they feel that security is achieved through ownership of multi-bed/bathroom houses (castles) that are built around car garages that house full size cars or big SUVs sometimes in the form of military vehicles. This trend towards bigger and more reinforced structures has been especially strong since 9/11 and of course easy financing helped the trend along. Convers

Changing habits or changing the habits

When trying to save money or become more green the following actions are often suggested. Eat less meat. Turn down the thermostat. Turn off the light when you leave the room. Drive less. Recycle. All of these are minor corrections of bad choices yet it takes a lot of effort to successfully change a behavior. So says the guy who spent weeks getting his wife to turn of the lights when she left the room when he first met her. The reason it is hard is because habits are deeply ingrained behavio

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),

Impossible is easy

Jake7: Is it possible to run a mile in under 4 minutes? TruckerJohn: Haha, you are dreaming. You need at least 15 minutes to run a mile. Runnergirl: That’s not true. A 6 minute mile is a decent number for someone who runs on a regular basis. Tacho500: Yes it is possible. This man did it and many others. TruckerJohn: @Runnergirl – That hardly sounds comfortable. How do you have time to hydrate when you only have 6 minutes? Runnergirl: You don’t need to hydrate for that short a period

The game show problem

Here’s a notorious example of dealing with the unseen that other people see. “You are at a game show. There are three doors. One door hides a car and two doors each hide a goat(*). Presumably you want the car. The game show host as you to pick one door without opening. After opening the door, the game show host selects a door and opens it showing a goat. He now asks you if you want to stick with your choice of door or whether you want to change it. Should you change it?” This problem ca

Dealing with well-intended advice

From a consumer and even from a gross domestic product perspective owning a lot of products or things may indicate success. However, from a financially free/independent or an ecological/sustainable perspective, owning a lot of products indicates only one thing: failure. Conversely, friends and family will most likely look at a skill-based lifestyle with some suspicion. They will wonder why you don’t have a full set of tools, a blender, a juicer, a food processor, a (larger) car, nicer furn

How to Protect Your Money from Common Cyber Scams

What’s the difference between a frog and a modern human?

A frog is unable to regulate its internal temperature. It is what we call cold-blooded. If it gets too cold, it must seek refuge in the mud at the bottom. It is also unable to regulate its evaporation, hence it can never go far from a pond lest it dry out. Lizards are slightly more advanced. While they are cold-blooded as well meaning that their activity is regulated by whether it is cold or warm, they can regulate or prevent evaporation on their own and thus lizards can live in very dry area

Interview with Modern Gal

Today we have an interview with Modern Gal, who quit her corporate career at age 35 and decided to join a non-profit and make a difference in the world. It seems that we have a lot in common. Q: What is your early retirement story? MG: About 7 years ago, at the age of 35, I decided to take a sabbatical from my work in a fast-pace corporate environment. Initially, I traveled a lot and visited friends that were at that time scattered across the globe, then, I decided to park myself in one

What retirement means as an extravert

Outgoing people have a psychological need to interact with other people most of the time. This can pose a big problem for extraverted early retirees as most people at the same age or even 10 or 20 years older will away at their jobs for over 10 hours a day (work+lunch+commute) for 5 or 6 days of the week, effectively most of their waking time. This leaves very little time or very few opportunities to soak up the required amount of interaction for those who no longer work for a living. This is

The blender, the spice grinder

As it turns out, our $25 blender can grind spices to a flour like powder on the ice crushing setting. I did not know that! Knowing that could have saved a lot of hours with the mortar and pestle, and it could also have saved the 15 bucks spent to get it a few years ago. Now I’m wondering, what else don’t I know. Which other cooking utensils can do double duty? Almost all cutting jobs can be done with a serrated utility knife. This can cut directly into a plate eliminating the cutting boa

How to fix a broken thermostat

I am increasingly appreciating the concept of appropriate technology. The story begins with us being unable to switch the rear furnace (our RV has two 12V/LPG driven furnaces. The front furnace heats front half + bathroom and the rear furnace heats the bedroom. From my perspective, the furnace is a black box. Once it is triggered by the thermostat, a 12V fan switches on. After the furnace verifies that the fan is running it automatically ignites the gas. Your LPG heater in your stick house pr

Upcycling: Turning waste into goods

Among other things, I spent today making two self-watering plant pots. In doing so I simultaneously solved two other problems, namely The problem of empty 2L soda bottles that need to be stored and eventually taken to the recycling center. The problem of having too many t-shirts thanks to participating in events, promotional t-shirts from ordering stuff, etc. which in turn have to be taken to a donation container (very hard to find in California). These two problems can be solved by

How to save money on milk

With the price of milk going up up and away just like anything else that nominated in declining dollars, you might be thinking about what to do about it. Short of buying a cow, here’s my answer: Stop drinking milk! Let’s face it sucking on the teat of a cow is simply unnatural unless you are a calf. Since you are reading this, I’m willing to bet that you walk upright on two legs at the very least. Thus you are not a calf. Doing some due diligence will reveal many counter arguments to dr

Guest post: ERE explained! – Part 1

Making changes

That word “retired”

The word “retired” as it is commonly used and defined in the dictionary belongs to the industrial world, say the years 1920 to 2020, where it is understood in the sense of disposing of a worn out piece of machinery or employee. We can call this the social security era. This is one understanding of the word retirement. When the world was poorer with less access to information of different solutions and all followed the same solution, as seen on TV, beginning some 30 years ago, there was a

Rudimentary earthquake preparation

This is what you should keep next to your bed (if you live in earthquake territory—the suggestions are good for fire as well though) Crowbar or wrecking bar Bath robe or similar “suit” that can be put on in two seconds. Sturdy work gloves Boots that can be put on in two seconds. As a bonus you can also keep a small bag with real clothes. Make modifications accordingly. If you live on the second floor, keep a rope ladder. Additional supplies should be kept somewhere else, where the ro

Keeping warm during winter

I was originally going to use “Winter heating” for the title of this post, but then I realized that, perhaps like many other things, this misses the main point. At its essence, the problem is cold. The solution is to stay warm. How do we accomplish this. There are two variables. The first one is how cold you feel. Naturally people with higher, what I would call metabolism although it is not technically correct tend to stay warmer. First, they have more muscles, second they move more. One re

The inexpensive home gym – part 2

First a note on safety! When ordinary people starts telling me that what I’m doing looks “unsafe”, I just know that I am doing the right thing 😎 . Forsooth, something is only unsafe if you don’t know what you are doing. Actually, from a risk management perspective, I think it is less safe to never be challenged in an exercise that could potentially cause harm if one is not 100% focused. Too much safety can be dangerous. If safe and “protected” exercises are always chosen, what

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

Navigating Buying a Home Among Rising Interest Rates

By Bryan Mapenzi The last several months have been a financial whirlwind for many. Inflation has been ravaging discretionary funds and demeanors left and right. This “invisible tax” has caused everything we purchase to be more expensive and in order to tame it, the Federal Reserve has raised interest rates at an alarming rate, increasing dramatically since the beginning of the year. For context, every 0.25 percentage-point hike of interest rates equates to paying $25 more per year on 10,00

5 Ways to Fight Back Against Summer Inflation

This summer, we were all so excited to FINALLY be outside, and seemingly turning the corner with COVID-19. However, other barriers have been placed before us, such as the increase of summer inflation. If you didn’t know what it was prior to the beginning of the year, I’m sure it has become a part of your vocabulary over the last six months. Currently, it is running hotter than Usain Bolt in 2009. For context, inflation typically should be around 2%, give or take a half percentage point. C

Side Hustles to Help You Get Your Money Right

The Only Year-End Financial Checklist You’ll Need 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 year-end

Making Sense of the Markets this week: June 26

Photo by Krzysztof Hepner on Unsplash It was the week of April 3, 2022, when I signed off from writing the “Making sense of the markets” column. It is wonderful to be back filling in for Kyle Prevost (he’s on vacation), who took over the column. Kyle’s insights and writing give the column a nice jolt. I am so glad to see it in good hands.  Check out that April 3 column. I covered some of the major investment themes and ideas I put on the table. Many investment opportunities we

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How to trade crypto in bull and bear markets

Photo by Rodnae Productions from Pexels Bull and bear markets are a natural part of any financial market, including cryptocurrencies. While investors love seeing prices rise, those who spend a few years in the market will no doubt also experience declines. The severity and duration of price drops vary widely, which can be incredibly stressful for investors—if they don’t have a plan in place. As with bull and bear markets in stock investing, it’s essential to think about how you’

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Side Hustles to Help You Get Your Money Right

Side hustles have become a way of life and way to generate additional revenue. 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. When you find one that works for

JoAnn Fabrics: Free Bus Puzzle Kit on July 2, 2022

Home » Freebies » JoAnn Fabrics: Free Bus Puzzle Kit on July 2, 2022 Published: by Gretchen on June 25, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Looking for something fun to do this upcoming weekend? Check out this free event at Joann Fabrics! Joann Fabrics is offering a free take-home Bus Puzzle Kit on July 2nd! No registration required. It’s first come, first serve while supplies last so get there early! Reader Inte

New Balance Women’s Fresh Foam Shoes only $39.99 shipped (Reg. $80!)

Home » Deals » New Balance Women’s Fresh Foam Shoes only $39.99 shipped (Reg. $80!) Published: by Gretchen on June 27, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Need new running shoes? Here’s a great deal on these New Balance Women’s Fresh Foam Shoes! Joe’s New Balance has these New Balance Women’s Fresh Foam X-70 Shoes for just $39.99 shipped today (regularly $79.99)! With its timeless design and classic silho

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FIESTA 3-Piece Dinnerware Sets only $21.24 after Exclusive Discount!

Home » Deals » FIESTA 3-Piece Dinnerware Sets only $21.24 after Exclusive Discount! Published: by Gretchen on June 22, 2022  |  This post may contain affiliate links. Read my disclosure policy here. These FIESTA 3-Piece Dinnerware Sets are so pretty! As part of Zulily’s Wow Week of Deals , Zulily has these FIESTA 3-Piece Dinnerware Sets on sale Buy One, Get One Free! Plu s, when you shop through our link, you will save an extra 15% off at checkout. These

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

Firehouse Subs: Free Chips & a Drink with Purchase for Teachers!

Home » Deals » Firehouse Subs: Free Chips a Drink with Purchase for Teachers! Published: by Gretchen on June 22, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Calling all teachers! You can get free chips and drink at Firehouse Subs! Through June 26th, Firehouse Subs is offering teachers free chips and a medium drink when you purchase a medium or large sub! Just order in-store and show your school ID to get this deal. Than

Inflatable Kiddie Pool Sprinkler Splash Pad only $11.22!

Home » Deals » Inflatable Kiddie Pool Sprinkler Splash Pad only $11.22! Published: by Gretchen on June 22, 2022  |  This post may contain affiliate links. Read my disclosure policy here. This is a great deal on this Jasonwell Inflatable Kiddie Pool Sprinkler: Splash Pad! Amazon has this Jasonwell Inflatable Kiddie Pool Sprinkler: Splash Pad for just $11.22 when you clip the 15% off e-coupon and use the promo code 25HY1NGB at checkout! This is perfect to kee

Student Money Guide

Photo by Keira Burton from Pexels There’s more to college and university than just classes. Navigating the costs that come with a post-secondary program is just as much a learning experience as Psych 101—for both students, and the adults in their lives. The best time to start—both saving for school, and learning how to handle money—is when kids are still young. That’s why our Student Money Guide begins with the basics: How to help kids understand the value of money; set them up wi

*HOT* Women’s Active Skorts for just $14.44 after exclusive discount!

Home » Deals » *HOT* Women’s Active Skorts for just $14.44 after exclusive discount! Published: by Meagan on June 20, 2022  |  This post may contain affiliate links. Read my disclosure policy here. This is a GREAT deal on women’s active skorts! As part of Zulily’s Wow Week of Deals , Women’s Active Skorts are on sale for $16.99 today! On top of that, you’ll get an exclusive 15% additional discount at checkout as our reader — making them just $14.

Lil Rider Ride-On Wiggle Cars for just $29.99 + shipping!

Home » Deals » Lil Rider Ride-On Wiggle Cars for just $29.99 + shipping! Published: by Meagan on June 20, 2022  |  This post may contain affiliate links. Read my disclosure policy here. These Lil Rider Ride-On Wiggle Cars are so popular! As part of Zulily’s Wow Week of Deals , you can get the popular Lil Rider Ride-On Wiggle Cars for just $29.99 ! Choose from 7 colors before they sell out! Shipping starts at $6.99. But if you place one order today, the res

Capital gains, taxes and more: The implications of inheriting real estate

Photo by Greta Hoffman from Pexels I’ve been reading a lot of articles on how taxation works for inherited property. My mom has been asking me to look into this. I am so confused. From what I’ve read, the government treats it as if the deceased sold the property the day before they died. I understand there is probate tax to pay, but what else? Let’s assume they paid $200,000 for the home and it is now worth about $800,000 for this example. What would be due? Is there an estate

Amazon Prime Day 2022 is almost here! (Plus how to get $25+ in Amazon credit to spend!)

Home » Deals » Hot Deals » Amazon Prime Day 2022 is almost here! (Plus how to get $25+ in Amazon credit to spend!) Published: by Meagan on June 18, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Amazon Prime Day 2022 has been announced, and it will officially be happening on July 12th and 13th! Amazon Prime Day 2022 Amazon Prime Day has officially been announced and confirmed for 2022! This year it will once again be TW

Your Ontario staycation just got cheaper

Photo courtesy of Destination Ontario Who’s ready for a road trip? If you live in Ontario, now’s a great time to explore what’s in your own (very big) backyard—with a bit of a discount. To promote local travel and help the tourism and hospitality sectors recover from the shock of COVID-19, the provincial government has introduced the 2022 Ontario staycation tax credit. For this year only, Ontario residents can claim 20% of eligible accommodation expenses for a tax credit. After

Free TNT Fireworks Club Kit!

Published: by Gretchen on June 16, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Love Fireworks? You can get a free TNT Fireworks Club Kit right now! Sign up for the TNT Fireworks Club to receive a free TNT Fireworks Club Kit ! This kit includes a poster, sticker, magnets, tattoos, and more! Thanks, Freebie Shark! Reader Interactions Money Saving Mom® Comment Policy We love comments from readers, so chime in with your thoughts below!

Free Crest Toothpaste at CVS!

Home » Deals » Free Crest Toothpaste at CVS! Published: by Gretchen on June 16, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Headed to CVS? Pick up free Crest Toothpaste! You can get free Crest Toothpaste at CVS this week! Here’s how: Buy 4 Crest Toothpaste – $3.49 each Use $7/3 Crest Toothpastes CVS Digital Coupon (x6/18) = -$7 Use $1/1 Crest Toothpaste 2.7oz or more CVS Digital Coupon (x7/2) = -$1 Pay $5.96, Get Ba

Watch: Should you invest in ethereum?

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

Duvet Covers Just $21.24 & Under After Exclusive Discount!

Home » Deals » Duvet Covers Just $21.24 Under After Exclusive Discount! Published: by Meagan on June 16, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Looking to switch up your duvet? Get a new Duvet Cover for a great price! Zulily currently has these Duvet Covers on sale for $24.99 and under ! Plus, when you shop through our link, you will save an extra 15% exclusive discount off at checkout! There are many different beauti

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

Hamilton Beach HomeBaker 2-Pound Bread Machine with Gluten Free Setting only $49 shipped (Reg. $125!)

Home » Deals » Online Deals » Hamilton Beach HomeBaker 2-Pound Bread Machine with Gluten Free Setting only $49 shipped (Reg. $125!) Published: by Gretchen on June 15, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Looking for a bread machine? This is a great deal on this Hamilton Beach HomeBaker 2-Pound Automatic Breadmaker with Gluten Free Setting. This HOT deal is still available! Walmart has this Hamilton Beach

How much are withholding taxes on RRSPs and RRIFs?

Photo by Mikhail Nilov from Pexels I need to withdraw $6,600 from my RRIF over the next six months. This amount is in addition to my annual minimum. If I do the withdrawals in six monthly amounts of $1,100 (total of $6,600), will the tax withholding rate be 10% on each $1,100, or will it be a higher rate on the total $6,600 over the six-month period? –Anne Before we look at the withholding taxes on withdrawals from registered retirement income funds (RRIFs), let’s first review t

Free Colgate Toothpaste at Walgreens!

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Free TCBY frozen yogurt for dads on Father’s Day!

Home » Deals » Free TCBY frozen yogurt for dads on Father’s Day! Published: by Gretchen on June 11, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Dads can get free TCBY frozen yogurt on Father’s Day again this year! (Looking for more ice cream deals? Get a FREE scoop of ice cream at Baskin Robbins when you download their app!) Free TCBY on Father’s Day If you’re a dad, be sure to stop by TCBY on Father’s Day, June 1

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Windex Multi-Surface Cleaner and Disinfectant just $2.04 shipped, plus more!

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Hot Deals on Outdoor Water Toys, Floats, and more!

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How to stake Cardano (ADA) in Canada

Photo by Elpisterra from Shutterstock Like other cryptocurrencies, ADA, the native coin of the Cardano blockchain, has been in a bear market since October 2021—meaning a recent pattern of price declines. Despite this downturn in crypto prices, Cardano seems to be a strong player among the public blockchains that offer smart contract functionality. (Smart contracts are automated digital agreements, written in code, for transactions between different parties.) Because of a dedicated com

Curiod Lift-Top Coffee Table only $58 shipped (Reg. $170!)

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Should you borrow to invest with the Smith Manoeuvre?

Photo by Andrea Piacquadio from Pexels Do you know of any Smith Manoeuvre calculators? The more variables I add, like inflation, ROI, different interest rates for principal, HELOC vs. variable-rate mortgage, the more my head spins. –Warren I am not familiar with any Smith Manoeuvre calculators, Warren, but I can try to simplify the math a bit. First, what is the Smith Manoeuvre? It was developed by Fraser Smith in the 1980s as a method to make mortgage interest tax-deductible whil

Easy & Affordable Thanksgiving Side Dishes

Easy and affordable Thanksgiving side dishes…for chefs like me that don’t like to cook! This post is sponsored by Amazon, however all thoughts and opinions are my own. I have a confession to make.  I do not enjoy cooking. While I don’t exactly hate it, there are other things I’d prefer to do with my time.  Cooking has become even more complex these days with the dietary changes I have made over the past few years which centers around minimally processed grain, gluten and dairy

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How to stake Polkadot (DOT) in Canada

Photo by Salarko from Shutterstock Since its launch in May 2020, Polkadot (DOT) has consistently been among the 15 largest cryptocurrencies. And although it’s down about 65% since the beginning of 2022, it still has a market capitalization of about USD$9 billion, as of early June 2022. One DOT token, or coin, costs about USD$9.15. Beyond holding DOT, though, investors have been excited about this token because of the opportunity to stake it and earn an annual percentage yield (APY) of

2022 Goals: May Update

Published: by Crystal Paine on June 7, 2022  |  This post may contain affiliate links. Read my disclosure policy here. I spent some time the past few days reviewing my goals for 2022 and was so thrilled with the progress I made in May! Here’s an update on each goal: Myself 1. Go through 5 She Reads Truth studies for the year. (I’ve been loving going through these studies again this past year, but I realized that it’s better for me to go through much more slowly th

Watch: 10 cryptocurrencies you need to know about

Thinking about investing in crypto? Watch our quick overview of 10 digital coins everyone’s talking about. Bitcoin was the first-ever cryptocurrency, but now investors can choose from thousands of digital coins. Which ones are worth paying attention to? Lisa Hannam, MoneySense’s executive editor, shares the 10 buzziest cryptocurrencies you can buy in Canada. Watch: How to buy bitcoin in Canada Follow us on YouTube to catch all of the videos in this series. Read

Free Homeschool Curriculum & Resources | Huge List of 48 Freebies!

This is a weekly list of  Free Homeschool Curriculum and Resources  compiled by  FreeHomeschoolDeals.com . Even if you aren’t a homeschooler — but you’re a parent, teacher, babysitter, or nanny — you’ll probably find at least a few useful freebies in this list. Find more free homeschool curriculum here. Free General Homeschooling Curriculum: Free Lesson: Teach Your Children Critical Thinking Skills – Will your students recognize truth? Teach your children to think

Making sense of the markets this week: June 5

Photo by Antoni Shkraba from Pexels Kyle Prevost, editor of Million Dollar Journey and founder of the Canadian Financial Summit, shares financial headlines and offers context for Canadian investors. It’s not the size of the bank… It’s the size of the returns Canada’s big banks usually get the lion’s share of attention from investors, and for good reason, but the earnings news this week gives us a chance to look at two of Canada’s smaller banks. While they are definitely

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Making sense of the markets this week: May 29

Photo by Jose Antonio Gallego Vázquez from Pexels Million Dollar Journey editor and Canadian Financial Summit founder Kyle Prevost shares financial headlines and offers context for Canadian investors. Banking on boring profits Consistent, proven business models that take advantage of oligopolistic pricing power are often boring. They don’t often involve CEOs standing on stage making fantastic declarations about world-changing technology. They don’t often inspire forum posts about

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Photo by Andrea Piacquadio from Pexels I want to help my 20-year-old daughter start investing in ETFs. For context, she’s in university and has $8,000 in her portfolio. How can I help her learn about the markets and get started? —Marv Teaching kids how to invest I think it is great you want to teach your daughter about investing, Marv. One word of caution, though, is that not everyone wants to be taught. I have seen cases where parents want to give money to their kids to inve

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The Canadian investing book about ETFs that will have you saying eh-T-Fs 

Photo by Polina Tankilevitch from Pexels. The MoneySense ranking of the “Best ETFs in Canada for 2022” has just been published, and for the first time in about a decade, I was not the lead writer. While I remain involved at MoneySense, I decided it was time to pass the writing reins to long-time contributor and journalist Bryan Borzykowski. Our panel of eight ETF experts remained intact.  Canadian writers on ETFs One reason I chose Bryan is that he’s also nearing the final stag

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Desert-island ETF picks for 2022

The “Best desert-island ETF” category, which was introduced in 2019, is always a fun one, as it allows our panellists to let loose a bit and choose ETFs that don’t fit in anywhere else. It’s here you’ll find more thematic funds and other types of products. These aren’t core holdings—look to our other categories for those kinds of stalwart securities—but they could complement the other funds in your portfolio, as long as they jibe with your investment objectives, risk toler

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Watch: 10 cryptocurrencies you need to know about

Bitcoin was the first-ever cryptocurrency, but now investors can choose from thousands of digital coins. Which ones are worth paying attention to? Lisa Hannam, MoneySense’s executive editor, shares the 10 buzziest cryptocurrencies you can buy in Canada. Watch: How to buy bitcoin in Canada Follow us on YouTube to catch all of the videos in this series. Read more on crypto: What affects the price of bitcoin? How long should you hold a cryptocurrency investment? What’s the best

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Home » Deals » Target: Up to 50% off Toys Outdoor Play! Published: by Gretchen on May 27, 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.

Best international ETFs for 2022

There is once again a wide variety of international ETFs on our best-of list, with some options covering a broad swath of global markets and others focusing on just emerging markets: both including and excluding China. A fund like XAW, which holds six iShares funds and covers the entire world except for Canada, is a great all-in-one style fund you can use to cover all your bases. When it comes to emerging markets, you’ll need to ask yourself a question: Will China outpace other markets

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Home » Deals » HUGE Magazine Subscription Memorial Day Weekend Sale! Published: by Meagan on May 28, 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.

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Best all-in-one ETFs for 2022

Asset-allocation exchange-traded funds (ETFs), also called all-in-one ETFs, have become increasingly popular among Canadian investors, so it’s no wonder that 15 of the panel’s overall “Best ETFs for Canadians” selections are in this category. All but a few of the choices received unanimous support from our panellists, and there were no new additions this year. “Asset-allocation ETFs absolutely changed the game when they came on the scene a few years ago, and now nearly every ETF

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Best Canadian ETFs for 2022

Those looking for a feisty debate among our panellists will not find it in the Canadian equity category. As has been the case for a while, all the Canadian funds on last year’s list have returned in the 2022 edition. There wasn’t much discussion about adding new funds to the list, but it’s worth pointing out that panellists Ben Felix, Cameron Passmore and Robb Engen voted not to include HXT and ZLB (full ETF names can be found in the chart below) because, as Engen says, “It’s a

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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

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Photo by Skorzewiak from Shutterstock As cryptocurrencies move deeper into the mainstream, investors are looking for new ways to participate beyond trading virtual coins. Fast-emerging areas of the cryptoverse—including decentralized finance (DeFi), non-fungible tokens (NFTs) and the metaverse—are unlocking fresh growth opportunities. One way to gain exposure to these trends is through the Polygon blockchain. Here’s how it works and where to buy MATIC, its native cryptocurrency. W

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Making sense of the markets this week: May 22

Photo by Tierra Mallorca on Unsplash Million Dollar Journey editor and Canadian Financial Summit founder Kyle Prevost shares financial headlines and offers context for Canadian investors. All that glitters is not Crypto “It’s going to replace the world’s currency for day-to-day transactions.” they said. “The fees are lower, and it’s way better than banks,” they said. “It’s digital gold,” they said. “Worst-case scenario, it’s a great addition to a portfolio beca

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

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

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How to buy Polygon (MATIC) in Canada

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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

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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

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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

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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

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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

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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

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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

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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�

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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

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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

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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

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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

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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

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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

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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!

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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

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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

Verizon Up Rewards Members: Possible Free $3 or $5 Amazon or Starbucks Gift Card

Home » Freebies » Verizon Up Rewards Members: Possible Free $3 or $5 Amazon or Starbucks Gift Card Published: by Meagan on April 1, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Calling Verizon Up Rewards Members!! Check your account for a possible free Gift Card! If you are a Verizon Up Rewards Member, you can get a possible free $3-$5 Amazon or Starbucks Gift Card right now! Simply log into the Verizon app on your phone a

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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Home » Deals » Hot Deals » KiwiCo Box just $11.98 shipped today only!! {Great Easter Gift Idea!} Published: by Crystal Paine on April 1, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Don’t miss out on this rare KiwiCo promo code to get 50% 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 Kid

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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Home » Deals » *HOT* Milliard Memory Foam Mattress as low as $139 shipped! Published: by Meagan on March 28, 2022  |  This post may contain affiliate links. Read my disclosure policy here. If you need a new mattress, don’t miss this HOT deal you can score right now on these highly-rated Milliard Memory Foam Mattresses! {Sponsored by Milliard.} Milliard is offering our readers an extra 30% off their memory foam mattresses of all sizes when you use code 30

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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Home » Deals » Cute Glamorosa Cash Envelope Sets for $11.99 + shipping! Published: by Meagan on March 28, 2022  |  This post may contain affiliate links. Read my disclosure policy here. If you use the cash envelope budgeting method, this is a great deal! Zulily is running a sale on Glamorosa Planners and Accessories right now, and this includes their super cute Cash Envelope Sets for just $11.99 ! If you use the cash envelope budgeting method, these are supe

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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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),

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Home » Deals » Don’t forget! Possible FREE Owala Water Bottle today! Published: by Meagan on March 16, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Mark your calendars to get a possible FREE Owala Water Bottle! UPDATE: The time has now been announced! It will go live at 12:16 p.m. ET!! On March 16th, Owala will be giving away 10,000 FREE water bottles on their website ! Here’s how to get this freebie: Go HERE to

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

NYX Professional Soft Matte Lip Cream for just $1.62 shipped!

Home » Deals » NYX Professional Soft Matte Lip Cream for just $1.62 shipped! Published: by Meagan on March 14, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Don’t miss this hot deal on NYX Lip Cream! Another great beauty stock-up deal! Amazon has this NYX Professional Soft Matte Lip Cream in Athens color for just $1.62 shipped when you check out through Subscribe Save! This is a GREAT deal on this NYX product! These are r

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

Muk Luks Women’s Beach Bingo Sandals for just $9.99 shipped! (Reg. $55)

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

Sushi Go! Card Game for just $5.03!

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

Lenovo Chromebook for just $97 shipped! (Reg. $219)

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

Free Milton’s Craft Bakers Cauliflower Crust Pizza at Walmart after rebate!

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

Pop-Tarts 5-Flavor Variety Pack, 60-Count for just $13.99 shipped!!

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

DIY Kombucha Bundle for just $93.60 shipped! (Reg. $363)

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*HOT* Instant Pot 6 Quart 7-in-1 Multi-Use Programmable Pressure Cooker only $52.99 shipped!

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

Pringles Potato Chips Original Grab n Go Cans, 12-Count for just $6.89 shipped!

Home » Deals » Pringles Potato Chips Original Grab n Go Cans, 12-Count for just $6.89 shipped! Published: by Meagan on March 3, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Wow! This is a great deal on Pringles! Amazon has this 12-count of Pringles Potato Chips Original Individual Grab N Go Cans for just $6.89 shipped when you clip the 25% off e-coupon and check out through Subscribe Save! This is a great price on these at

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 �

Smucker’s Red Raspberry Preserves just $2.58 per 18-ounce jar, shipped!

Home » Deals » Smucker’s Red Raspberry Preserves just $2.58 per 18-ounce jar, shipped! Published: by Meagan on March 5, 2022  |  This post may contain affiliate links. Read my disclosure policy here. This is a great stock-up deal on jam preserves! Amazon has this 4-Pack of Smucker’s Red Raspberry Preserves 18-Ounce Jars for just $10.30 shipped when you clip the 25% off e-coupon and check out through Subscribe Save. At just $2.58 per jar, that’s a great

Digital Accessories Travel Organizer for just $9.99 shipped!

Home » Deals » Digital Accessories Travel Organizer for just $9.99 shipped! Published: by Meagan on March 4, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Need an easy way to organize your digital accessories when you travel? Don’t miss this deal! Jane has this Digital Accessories Travel Organizer for just $9.99 shipped right now! Choose from four colors. This gets great reviews and looks super helpful for staying organize

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

Airborne Tablets, 116-Count for just $12.36 shipped!

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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HUGE Cobble Hill Jigsaw Puzzle Sale = Hundreds of Puzzles Under $15!

Home » Deals » HUGE Cobble Hill Jigsaw Puzzle Sale = Hundreds of Puzzles Under $15! Published: by Meagan on February 16, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Looking for some unplugged fun? Don’t miss this HUGE Jigsaw Puzzle Sale going on right now! Zulily is having a huge sale on puzzles right now! There are hundreds of fun designs to choose from and most of them are priced under $15! I grabbed a couple of these

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

*HOT* FREE $15 purchase at Sephora after cash back!!

Home » Coupons » Rebates » *HOT* FREE $15 purchase at Sephora after cash back!! Published: by Meagan on February 21, 2022  |  This post may contain affiliate links. Read my disclosure policy here. WooHoo! If you love shopping at Sephora, you don’t want to miss this HOT deal! TopCashBack is offering $15 cash back on ANY $15 purchase at Sephora, making it FREE! Here’s how to get your FREE $15 Sephora purchase: 1. Head here for the special Seph

North Face Outerwear Sale: Up To 73% Off + Free Shipping!

Home » Deals » North Face Outerwear Sale: Up To 73% Off + Free Shipping! Published: by Meagan on February 18, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Don’t miss this huge North Face Outerwear Sale! If you love North Face brand, don’t miss this HUGE North Face Outerwear Sale going on right now! You can get up to 74% off jackets, pants, shirts, pullovers, and so much more for the whole family. Plus, use code MSM211-73

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

RARE Discount on My Magic Carpet Rugs! {It’s Back!}

Home » Deals » RARE Discount on My Magic Carpet Rugs! {It’s Back!} Published: by Meagan on February 14, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Don’t miss this rare sale on My Magic Carpet Rugs! This hugely popular deal has returned!! HURRY over to Zulily to shop their sale on My Magic Carpet Rugs ! Plus, you’ll get an exclusive 10% additional discount as our reader when you shop through our link. (Extra disc

How much should I have in my RRSP?

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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Published: by Meg on February 17, 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!) Rare Audible Discount: 3 Free Months! WOW! If you’ve never tried Audible before, you can currently get your first three months completely for FREE

Shiba inu vs. dogecoin: Are memecoins a good investment?

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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Home » Deals » *HOT* Gatorade Thirst Quencher Powder Packets, 80-Pack for just $14.90 shipped! Published: by Meg on February 9, 2022  |  This post may contain affiliate links. Read my disclosure policy here. This is an amazing deal on Gatorade Thirst Quencher Powder! Amazon has this 80-Pack of Gatorade Thirst Quencher Powder Packets for just $14.90 shipped when you check out through Subscribe Save. This is a HOT price, so jump on it right away before it sells o

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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Home » Deals » Grammar Hilarity Tees for $18.99 shipped! Published: by Meg on February 12, 2022  |  This post may contain affiliate links. Read my disclosure policy here. These Grammar Tees are SO funny! Jane has these Grammar Hilarity Tees for $18.99 shipped right now! Choose from five funny designs, multiple colors, and sizes XS-2X. These would make great gifts! Psst! We love Jane! Looking for other great Jane deals? Check out our custom Jane page for more

Free Sample of Vitafol Ultra Prenatal Vitamins

Home » Freebies » Free Sample of Vitafol Ultra Prenatal Vitamins Published: by Meg on February 9, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Are you pregnant? You can get a free sample of Vitafol Ultra Prenatal Vitamins! If you haven’t done so before, you can currently sign up for a free sample of Vitafol Ultra Prenatal Vitamins . Pick from two different varieties. Your free sample should arrive within 6 weeks. Psst! Lo

How to buy NFTs in Canada

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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Home » Deals » Better Homes Gardens Traditional 4-Piece Table Floor Bronze Lamp Set for just $49.97 shipped! Published: by Meg on February 9, 2022  |  This post may contain affiliate links. Read my disclosure policy here. What a great deal on a Lamp Set!! Walmart has this Better Homes Gardens Traditional 4-Piece Table Floor Bronze Lamp Set on sale for $49.97 shipped right now! This set gets amazing 5-star reviews and includes one floor lamp and three table lam

TFSA contribution room calculator

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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Home » Deals » Pop-It Board Game for just $16.99 shipped! Published: by Meg on February 9, 2022  |  This post may contain affiliate links. Read my disclosure policy here. This Pop-It Board Game looks SO cool! This hugely popular deal has finally returned! You can get this fun Pop-It Board Game for just $16.99 shipped today! This would be such a fun gift idea (maybe even for an Easter basket!). Last time this deal was available, it sold out SUPER fast, so hur

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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Home » Deals » Even MORE Great Stock Up Deals on Snacks! Published: by Gretchen on February 4, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Amazon has some great deals on snacks right now! Get these Kellogg’s Scooby-Doo! Graham Cracker Snacks, Cinnamon, Made with Whole Grain 1 oz Bag (40 Bags) for just $11.62 shipped when you clip the 25% off e-coupon and checkout through Subscribe Save! Get this CLIF BARS – En

What is DeFi? And how can Canadians invest in it?

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

Brigette’s $95 Grocery Shopping Trip and Weekly Menu Plan for 6

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

Dickey’s Barbecue Pit: FREE Dickey’s Sandwich Each Day the U.S. Takes Gold!

Home » Deals » Dickey’s Barbecue Pit: FREE Dickey’s Sandwich Each Day the U.S. Takes Gold! Published: by Gretchen on February 4, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Here’s a fun freebie from Dickey’s Barbecue Pit! Starting February 5th, Dickey’s Barbecue Pit is offering loyalty members a FREE Sandwich every day the U.S. takes Gold in the Tokyo Olympics! If the U.S. take Gold, members will receive a coupon

Under Armour Beanies & Gloves only $8 shipped!

Home » Deals » Under Armour Beanies Gloves only $8 shipped! Published: by Gretchen on February 2, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Wow! Don’t miss this HOT deal on Under Armour Beanies Gloves! Through February 3rd, you can score Under Armour Beanies Gloves for just $10 when you use the promo code COLDFOR10 at checkout! Plus, sign up as a new Under Armour Member and you will also score an exclusive promo code fo

*HOT* Gevalia K-Cup Variety Pack (72 count) only $15.74 shipped!

Home » Deals » *HOT* Gevalia K-Cup Variety Pack (72 count) only $15.74 shipped! Published: by Gretchen on February 1, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Stock up on Gevalia K-Cups with this hot deal! Amazon has this Gevalia K-Cup Variety Pack for just $15.74 shipped when you clip the 50% off e-coupon and checkout through Subscribe Save! That’s just $0.22 per k-cup shipped which is a great deal for this brand. Not

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

Verizon Up Rewards Members: Possible Free $3 or $5 Amazon or Starbucks Gift Card

Home » Freebies » Verizon Up Rewards Members: Possible Free $3 or $5 Amazon or Starbucks Gift Card Published: by Meg on February 1, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Calling Verizon Up Rewards Members!! Check your account for a possible free Gift Card! If you are a Verizon Up Rewards Member, you can get a possible free $3-$5 Amazon or Starbucks Gift Card right now! Simply log into the Verizon app on your phone and

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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Home » Deals » Hot Deals » New Balance Women’s NITRELv4 Trail Shoes only $39.99 shipped (Reg. $70!) Published: by Gretchen on January 28, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Need new shoes? Get these New Balance Women’s NITRELv4 Trail Shoes for a great deal! Joe’s New Balance has these Women’s NITRELv4 Trail Shoes for just $39.99 shipped when you use the promo code BRANDCYCLE at checkout! These are re

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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Home » Deals » Custom Spotify Playlist Leather Keychains only $19.99 shipped! Published: by Gretchen on January 27, 2022  |  This post may contain affiliate links. Read my disclosure policy here. These Custom Spotify Playlist Leather Keychains are SO cool! Jane has these Custom Spotify Playlist Leather Keychains for just $19.99 shipped right now! These keychains are the perfect way to show your loved ones how much you care. Each one is made from top-quality le

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

*HOT* The Children’s Place: Girl’s Dresses as low as $3.99 shipped!

Home » Deals » Hot Deals » *HOT* The Children’s Place: Girl’s Dresses as low as $3.99 shipped! Published: by Gretchen on January 27, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Grab a new dress for your little girl for a GREAT deal at The Children’s Place! Right now, The Children’s Place is offering up to 80% off clearance ! Plus, shipping is free! There are lots of great deals you can get including Girl’s

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

Free Sample of Revive Coffee!

Published: by Gretchen on January 28, 2022  |  This post may contain affiliate links. Read my disclosure policy here. You can try a free sample of Revive Coffee! Sign up for a free sample of Revive Coffee ! Just add to cart and your total will be free. 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 this blog upbeat and encouraging, so please keep

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

Comotomo Baby Bottle Newborn Set only $19.60 (Reg. $70!)

Home » Deals » Comotomo Baby Bottle Newborn Set only $19.60 (Reg. $70!) Published: by Gretchen on January 26, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Run! Score these highly rated Comotomo Baby Bottles for a hot deal! Amazon has this Comotomo Baby Bottle Newborn Set, Green 5oz for just $19.60 right now! This is SUCH a great deal on these highly rated bottles. Gretchen from the MSM Team here! I cannot recommend these bot

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

Stock Up Deals on Snacks and Breakfast Items!

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

Under Armour Boy’s Armour Fleece Pants only $17.99 shipped! (Reg. $40)

Home » Uncategorized » Under Armour Boy’s Armour Fleece Pants only $17.99 shipped! (Reg. $40) Published: by Meg on January 25, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Whoa! Don’t miss this great deal on these Under Armour Boy’s Armour Fleece Pants! Proozy has these Under Armour Boy’s Armour Fleece Pants for just $17.99 shipped when you use promo code MSM125AM-1799-FS at checkout! These are regularly $40

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

Special Edition Tile Pro Trackers as low as $21.99 shipped, plus more!

Home » Deals » Special Edition Tile Pro Trackers as low as $21.99 shipped, plus more! Published: by Gretchen on January 20, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Wow! This is a great deal on Tile Pro Trackers! Right now, you can get 40% off Special Edition Tile Trackers ! There are lots of fun options and styles included in this sale, plus shipping is free! As a deal idea, you can get the Special Edition Tile Pro trac

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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Home » Deals » Samsung Galaxy Buds Live True Wireless Earbuds only $89.99 shipped! Published: by Gretchen on January 20, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Score these Samsung Galaxy Buds Live True Wireless Earbuds for the lowest price ever on record today! Today only, Amazon has these Samsung Galaxy Buds Live True Wireless Earbuds for just $89.99 shipped ! This is the lowest price ever on record. Choose from four c

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

Toddler & Kid’s Snowsuit Sets as low as $24.99 + Exclusive Extra 10% off!

Home » Deals » Toddler Kid’s Snowsuit Sets as low as $24.99 + Exclusive Extra 10% off! Published: by Gretchen on January 21, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Wow! This is such a GREAT deal on these Toddler Kid’s Snowsuit Sets! Right now, Zulily has these Toddler Kid’s Snowsuit Sets for as low as $24.99 ! Plus, when you spend $45 or more on Zulily today, you will save an extra 10% off at checkout! There are l

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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Home » Deals » Free Red Baron Pizza with Ibotta cash back! Published: by Gretchen on January 20, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Grab a FREE Red Baron Pizza with this Ibotta rebate! You can get a FREE Red Baron Pizza at various stores with this Ibotta cash back offer: Buy Red Baron Pizza – $3.98 Submit for $4.49/1 Red Baron Pizza Ibotta Cashback (Limit 1) Free plus overage after rebate Valid through Fe

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 January 21, 2022  |  This post may contain affiliate links. Read my disclosure policy here. Don’t miss this great deal on the popular Barbie Dreamcamper! Amazon has this Barbie Estate 3-in-1 Dreamcamper Vehicle with Accessories for just $59.99 shipped ! That’s the same price as Black Friday! This is a big price cut and such a great deal! It pr

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

*HOT* LEGO Classic 1,500-Piece Bricks and Animals Set only $29 (Reg. $58!)

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

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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

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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

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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