Getting Road Trip Ready with Amazon Fresh

This post is sponsored by Amazon, however all thoughts and opinions are my own. My fondest childhood memories involved road tripping with my parents from Oklahoma City to Queens, New York every summer to spend my school break with my grandparents. It was a long, sometimes scenic, twenty-three hour drive that my parents made at least four times over the course of five years. My parents were no strangers to road trips and we had the routine down solid. The days leading up to our trips, my moth

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Yours for the asking: More from MoneySense’s investing experts

Photo by Karolina Grabowska from Pexels If you’ve ever read a MoneySense investing article and wished you could look behind the scenes with the writer, or get a deeper dive from one of the experts interviewed—here’s your chance. Register for the Canadian Financial Summit, Sept. 22 to 25, and you’ll get access to the investing and money-management knowledge of more than 35 Canadian personal financial experts, including MoneySense’s own Jonathan Chevreau, Dale Roberts, and Edito

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Home » Freebies » Free HGTV Magazine 2-Year Subscription Published: by Meg on September 10, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Sign up for a free HGTV magazine subscription! You can currently sign up for a free 2-year subscription to HGTV magazine ! This is a super RARE freebie and it definitely won’t last long! Thanks, Freebie Shark! Reader Interactions Money Saving Mom® Comment Policy We lo

Incorporated business owners: Should you pay yourself a salary?

Photo by fauxels from Pexels When it comes to their own compensation, a business owner with a corporation has three primary choices: To pay themselves a salary; to pay themselves dividends; or to leave business income in the corporation. Let’s take a high-level look at what’s involved in each case. When a business owner pays a salary, the corporation receives a tax deduction that reduces its taxable income. If it pays out all of its business income as salary, there is no profit left

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Home » Deals » Firehouse Subs: Free Gyro Sub with Purchase! Published: by Gretchen on September 11, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Save money on eating out with this deal at Firehouse Subs! Firehouse Subs is offering a Free Gyro Sub with any in-app purchase when you use the promo code TRICK2G at checkout! Thanks, Passionate Penny Pincher! Reader Interactions Money Saving Mom® Comment Policy We love commen

A modest prediction for the next 20 years

If you're new here, this blog will give you the tools to become financially independent in 5 years. The wiki page gives a good summary of the principles of the strategy. The key to success is to run your personal finances much like a business, thinking about assets and inventory and focusing on efficiency and value for money. Not just any business but a business that's flexible, agile, and adaptable. Conversely most consumers run their personal finances like an inflexible money-losing anti-bus

Transferring employer pensions to LIRAs, LIFs and RRSPs

Photo by Pavel Danilyuk from Pexels Q. I have a new LIRA valued at $102,500 from leaving an old employer. Can I transfer this money to a LIF, then to an RRSP? –Andrew A. With the Great Resignation looming, many workers who decide to move on from the jobs they’re in today will be transferring pensions from their former employers into locked-in retirement accounts (LIRAs), or into locked-in Registered Retirement Savings Plans (RRSPs).  There are rules to keep in mind around these

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MoneySense Live: Using ETFs to cultivate financial independence

Photo by Mikhail Nilov from Pexels Jonathan Chevreau, a longtime personal finance journalist, former Editor-in-Chief of MoneySense and the creator of our perennially popular Best ETFs in Canada package has said there’s only one free lunch for investors—and that’s the kind of broad diversification you can get from a low-cost, broadly diversified portfolio “core” based on exchange-traded funds (ETFs). But which funds should you pick, given that there are nearly 1,000 listed on C

How rich do you really need to be?

If you're new here, this blog will give you the tools to become financially independent in 5 years. The wiki page gives a good summary of the principles of the strategy. The key to success is to run your personal finances much like a business, thinking about assets and inventory and focusing on efficiency and value for money. Not just any business but a business that's flexible, agile, and adaptable. Conversely most consumers run their personal finances like an inflexible money-losing anti-bus

Tips To Improve Your Personal Financial Life

Imagine yourself in a world where you're not only surviving, but thriving. Imagine being able to pay for school or feed your family with plenty of left over money after all the bills are paid each month. When we meet people who have amazing financial lives, they usually share their tips on how they got there and then when someone else tells us what has helped them out financially it can't hurt our own situation any more than it already is!   The time to work on your finances is now. Your

“Which reverse mortgage is right for me?”

Photo by Vlada Karpovich from Pexels When Vancouver condo owners Maggie and Rob found out they were on the hook for $400,000 in improvement costs to their building and unit as required by an assessment from their Strata Council, they weren’t sure what to do. (We’ve changed their names and some details to protect their privacy.) The couple, who are in their early 80s and mortgage-free, have lived in the large upscale Kitsilano condo for the past 20 years and were not anticipating a f

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Home » Deals » Beauty Brands: $10.98 Annual Lash Bash Sale! Published: by Gretchen on September 17, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Stock up on all your favorite mascaras during this sale! For a limited time, Beauty Brands is having their Annual Lash Bash Sale where you can score mascaras for just $10.98 ! There are lots of brands including Tarte, Smashbox, Lorac and more. Plus, when you buy any three mascaras yo

Federal Election 2021: Would the parties’ housing proposals help you afford a first home?

Photo by Andres Ayrton from Pexels As home prices continue to rise into the stratosphere, ownership is becoming out of reach for an increasing number of Canadians. So, it’s not surprising that the upcoming 44th federal election has all three major political parties promoting their “solutions” to help first-time buyers get a foothold in the real estate market.  Get the mortgage rate that works for you. Find the best rate for you in under 2 minutes at ratehub.ca. Let's get start

Making sense of the markets this week: September 20, 2021

Pexels Each week, Cut the Crap Investing founder Dale Roberts shares financial headlines and offers context for Canadian investors.  New inflation data: transitory signs?  The week ending Sept. 17 delivered a very generous data dump in Canada, the U.S. and Europe, with updates on inflation data, economic activity numbers, housing figures and more. Portfolio managers, professional economists—and armchair economists such as yours truly—are digging through trying to make sense of it

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Should you help your adult children to buy real estate?

Photo by Maryia Plashchynskaya from Pexels Arguably, it’s much harder for millennials to get their first step on the real estate ladder, compared to when my cohort bought our first homes. Housing prices were remarkably low in the 1980s compared to today; however, financing is a different story. Interest rates were as high as 20% for us, and at record lows today. Get the mortgage rate that works for you. Find the best rate for you in under 2 minutes at ratehub.ca. Let's get started.

Financial gifts: What you need to know before giving money or investments

Photo by Marcus Aurelius from Pexels We humans are wired for generosity: we feel joy and satisfaction when we give to others. What may not be as natural is to consider the potential impacts—positive and negative—before giving a financial gift to family members or making donations to charities. Here’s an overview.  Giving to family members When you give cash to a family member, there are generally no immediate tax issues to consider—unless you are a U.S. citizen. U.S. citizens m

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The Future of Fintech

partner content from Featured Article Spiros Margaris on the world of fintech We chatted with Spiros Margaris, a venture capitalist, futurist, keynote speaker, board member, and senior advisor and investor to several companies, about the future of financial technology. partner content from Spiros Margaris on the world of fintech THE FUTURE OF FINTECH At last, an easy instant way to get into the bitcoin market Bitcoin is an alternative way to protect

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Making sense of the markets this week: September 27, 2021

Photo by Liza Summer from Pexels Each week, Cut the Crap Investing founder Dale Roberts shares financial headlines and offers context for Canadian investors.  What was behind this week’s “mini-crash” The big story of the week fizzled out. Investors had been taking a breather over the last month or so, with markets down slightly over the period. U.S. stocks dipped  just over 2% for the month, heading into this week. Then came a “mini-crash” on Monday, Sept. 20, with stocks

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Student Money Guide

Photo by Keira Burton from Pexels There’s more to college and university than 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 with th

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New for 2021: The Ultimate Couch Potato Portfolio Guide

There’s a catch-22 facing many would-be investors that’s keeping them out of the market. On the one hand, they feel they lack the financial knowledge to handle their own investments confidently. On the other hand, they don’t want to rely on the advice provided by financial advisors, who often have a vested interest in selling products that pay them the largest management or trading fees. Indeed, according to a MoneySense online poll , 46% of respondents said the biggest barrier to

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New for 2021: The Ultimate Couch Potato Portfolio Guide

There’s a catch-22 facing many would-be investors that’s keeping them out of the market. On the one hand, they feel they lack the financial knowledge to handle their own investments confidently. On the other hand, they don’t want to rely on the advice provided by financial advisors, who often have a vested interest in selling products that pay them the largest management or trading fees. Indeed, according to a MoneySense online poll , 46% of respondents said the biggest barrier to

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MoneySense Guides

as seen in Featured Article Canada's best dividend stocks We’ve graded the largest, most liquid Canadian dividend stocks based on Yield, Stability and Value. To earn top marks, each company must demonstrate its ability to provide a steady flow of income to investors, at a reasonable price. as seen in Canada's best dividend stocks MONEYSENSE GUIDES Best ETFs in Canada Our star panellists reveal their top 52 picks. Best ETFs in Canada M

Student Money Guide

Photo by Keira Burton from Pexels There’s more to college and university than 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 with th

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6 Ways to Show Your Support during Black Business Month

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

Money Matters: What book changed the way you think about money?

MoneySense is a digital magazine and financial media website. Journalists and qualified financial professionals produce the content. MoneySense’s goal is to provide the most relevant and up-to-date information as possible but, with all things you read on the internet, it is recommended you read critically and cross-reference with your own sources, especially before making any financial decisions. MoneySense continues to update and make changes to correct any factual errors. MoneySense is not

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Earning income with specialty ETFs

MoneySense is a digital magazine and financial media website. Journalists and qualified financial professionals produce the content. MoneySense’s goal is to provide the most relevant and up-to-date information as possible but, with all things you read on the internet, it is recommended you read critically and cross-reference with your own sources, especially before making any financial decisions. MoneySense continues to update and make changes to correct any factual errors. MoneySense is not

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Earning income with specialty ETFs

MoneySense is a digital magazine and financial media website. Journalists and qualified financial professionals produce the content. MoneySense’s goal is to provide the most relevant and up-to-date information as possible but, with all things you read on the internet, it is recommended you read critically and cross-reference with your own sources, especially before making any financial decisions. MoneySense continues to update and make changes to correct any factual errors. MoneySense is not

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Making sense of the markets this week: October 4, 2021

Photo by Jan-Rune Smenes Reite from Pexels Each week, Cut the Crap Investing founder Dale Roberts shares financial headlines and offers context for Canadian investors.  Will the energy crunch turn into an energy crisis?   The energy story is dominating headlines these days, described as a crunch or even an energy crisis that is ongoing in Europe and China.  While there are some local events adding additional stress, it is the ongoing mismatch between supply and demand that creates t

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Home » Freebies » Free Samples of Rituals Namaste Glow Anti-Aging Day Cream Serum Published: by Gretchen on October 6, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Try Rituals Namaste Glow Anti-Aging Day Cream and Serum for free! Sign up for a free sample of Rituals Namaste Glow Anti-Aging Day Cream Serum ! Thanks, Freebie Shark! Reader Interactions Money Saving Mom® Comment Policy We love comments from readers, so chim

Making sense of the markets this week: October 4, 2021

Photo by Jan-Rune Smenes Reite from Pexels Each week, Cut the Crap Investing founder Dale Roberts shares financial headlines and offers context for Canadian investors.  Will the energy crunch turn into an energy crisis?   The energy story is dominating headlines these days, described as a crunch or even an energy crisis that is ongoing in Europe and China.  While there are some local events adding additional stress, it is the ongoing mismatch between supply and demand that creates t

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Portfolio Builder: Lesson 4

MoneySense is a digital magazine and financial media website. Journalists and qualified financial professionals produce the content. MoneySense’s goal is to provide the most relevant and up-to-date information as possible but, with all things you read on the internet, it is recommended you read critically and cross-reference with your own sources, especially before making any financial decisions. MoneySense continues to update and make changes to correct any factual errors. MoneySense is not

How to figure out your investment fees

Photo by Andrea Piacquadio from Pexels Q. I was wondering why there is no accounting in my statements for the money taken out for my financial advisor or any expenses. I asked my advisor about this two years ago and she just stonewalled me. Is there no legal requirement to report this information to the client in Ontario? –John A. Client Relationship Model 2 (CRM2) came into effect in 2017, with the goal of increasing fee disclosure and transparency for Canadian investors. Unfortu

Earning income with ETFs

Conventional wisdom would have you believe that an investment portfolio is 60% equities and 40% bonds—at least as a starting point. Well, that thinking is changing. For starters: Bonds used to be considered solid and safe. And while professional portfolio managers still see them as a way to offset downturns in the equity markets, bond returns haven’t been great, to put it mildly, since early 2020, and even plummeted into negative territory early in 2021. Another reality is that investors

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Money Matters: What book changed the way you think about money?

MoneySense is a digital magazine and financial media website. Journalists and qualified financial professionals produce the content. MoneySense’s goal is to provide the most relevant and up-to-date information as possible but, with all things you read on the internet, it is recommended you read critically and cross-reference with your own sources, especially before making any financial decisions. MoneySense continues to update and make changes to correct any factual errors. MoneySense is not

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3 Ways Your Childhood Could Be Impacting Your Finances Now

By Candice Davie Do you love splurging every chance you get? Or are you a penny pincher? Maybe you are a little bit of both. Chances are that your relationship with money stems from childhood experiences and influences. Your thoughts surrounding your finances have a huge impact on all your financial decisions so it’s worth getting to the root of how those thoughts came about especially if they have led to money habits that you’re not so proud of.  Here are three financial childhood expe

Do you ever have a legal obligation to pay RESP money back to your parents?

Photo by Liza Summer from Pexels Q. I’m planning to take a break from university until I can move into my own place and support myself through school. I’ve already taken three years of classes, which I paid for through a mixture of loans, grants, and my Registered Education Savings Plan—which my parents set up and contributed to while I was growing up. I know it’s legal for them to dictate what I take from the RESP, but is there any situation in which I would be legally required to

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Money Matters: What advice would you give someone who wants to start building wealth?

MoneySense is a digital magazine and financial media website. Journalists and qualified financial professionals produce the content. MoneySense’s goal is to provide the most relevant and up-to-date information as possible but, with all things you read on the internet, it is recommended you read critically and cross-reference with your own sources, especially before making any financial decisions. MoneySense continues to update and make changes to correct any factual errors. MoneySense is not

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How much to take out of your RRSP in your 60s

Photo by Marcus Aurelius from Pexels Many retirees have the bulk of their retirement savings in registered retirement savings plans (RRSPs) or similar tax-deferred registered accounts. RRSPs need to be used to buy an annuity or more commonly converted to a registered retirement income fund (RRIF) by Dec. 31 of the year someone turns 71. Required RRIF withdrawals begin the next year, with each withdrawal based on a percentage of the account value.  Locked-in RRSPs, defined contributions

How to manage and save money without a budget

Photo by Keira Burton from Pexels “Stick to a budget” is one of the most common pieces of advice you’ll hear if you’re trying to save money. But not everyone wants to make decisions according to a spreadsheet—and there are many ways to manage your money that don’t involve a budget. Often, a simple, critical look at your regular expenses can reveal unnecessary spends or untapped rewards that can translate to serious savings. In this article, we’ve gathered some simple strategie

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Do you ever have a legal obligation to pay RESP money back to your parents?

Photo by Liza Summer from Pexels Q. I’m planning to take a break from university until I can move into my own place and support myself through school. I’ve already taken three years of classes, which I paid for through a mixture of loans, grants, and my Registered Education Savings Plan—which my parents set up and contributed to while I was growing up. I know it’s legal for them to dictate what I take from the RESP, but is there any situation in which I would be legally required to

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Home » Deals » Beats Solo3 Wireless On-Ear Headphones only $114 shipped (Reg. $200!) Published: by Meg on October 16, 2021  |  This post may contain affiliate links. Read my disclosure policy here. This is a great deal on these Beats Headphones! Proozy has these Beats Solo3 Wireless On-Ear Headphones for just $114 shipped when you use the promo code MSM1014PM-114-FS  at checkout! These are regularly $200 so this is a great deal. Valid through Oc

Is it time to search for bond alternatives for your balanced portfolio?

Photo by Andrea Piacquadio from Pexels I was recently warned by someone in the financial sector that it’s not a great time to invest in bond ETFs. My current asset allocation is 60% equities and 40% bonds, so I’m wondering what alternatives would you suggest for that 40% portion of my balanced portfolio? At first I considered real estate income trust (REIT) ETFs, but read they should be considered equity investments. Then I thought about mortgage-backed security (MBS) ETFs. but ther

*HOT* 8×10 Area Rugs just $99.99 and under + Exclusive Extra 15% off!

Home » Deals » *HOT* 8×10 Area Rugs just $99.99 and under + Exclusive Extra 15% off! Published: by Gretchen on October 18, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Wow! This is a really great deal on Area Rugs! Zulily is having a huge sale on 8×10 Area Rugs and they are all priced at $99.99 and under! Plus, when you shop through our link, you will save an extra 15% off! There are tons of rugs included in this sale. Thi

Wendy’s: Free Drink with Purchase!

Home » Deals » Wendy’s: Free Drink with Purchase! Published: by Gretchen on October 21, 2021  |  This post may contain affiliate links. Read my disclosure policy here. You can get a free drink with any purchase at Wendy’s! For a limited time, Wendy’s is offering a free Freestyle Drink with a fry purchase when you order through the app! This is valid for a limited time only. Reader Interactions Money Saving Mom® Comment Policy We love comments from r

Four Days in Tulum, Fab Finance Style

This post is sponsored by Affirm As much as I enjoy seeing the world for less, there are a few places on my list that aren’t exactly budget friendly. One such destination is Tulum, Mexico. Tulum is nestled on the Yucatan Peninsula with dense sprawling jungle to the west and the Carribean Ocean to the east. I’ve been attempting to travel to Tulum since a family emergency required me to cancel my plans to this dreamy destination last minute in 2018. Three years later, fully vaccinate

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

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

H&M Girl’s Patterned Jersey Dresses only $3.74!

Home » Deals » HM Girl’s Patterned Jersey Dresses only $3.74! Published: by Gretchen on October 22, 2021  |  This post may contain affiliate links. Read my disclosure policy here. These HM Patterned Jersey Dresses are so cute! Until 5pm today, HM is offering an extra 25% off the entire site today! No promo code needed. As a deal idea, you can get these Girl’s Patterned Jersey Dresses for just $3.74 right now! There are lots of cute colors to choose from

Huge Sale on Indoor Houseplants!

Home » Deals » Huge Sale on Indoor Houseplants! Published: by Meg on October 22, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Calling all plant lovers! This sale includes so many gorgeous plants! Zulily is back with their hugely popular sale on indoor houseplants right now! There are so many beautiful varieties to choose from in this sale including succulents, air plants, pothos, bamboo, ferns, snake plants, and so much more

Making sense of the markets this week, October 17

Photo by Tima Miroshnichenko from Pexels Each week, Cut the Crap Investing founder Dale Roberts shares financial headlines and offers context for Canadian investors.  Winter is coming for U.S. stocks Back in early September, I asked if the stock markets could run on fumes. It’s not that economic recovery had reversed itself, but that most of the news on the economic front showed that things were softening.  Here’s a chart for iShares U.S. equities ETF, ticker IVV, courtesy of Seek

Brigette’s $93 Grocery Shopping Trip and Weekly Menu Plan for 6

Published: by Brigette Shevy on October 23, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Aldi 1 pkg Tortillas – $0.95 1 bag Corn Chips – $0.89 1 bag Veggie Straws – $1.92 1 bag Plain Rice Cakes – $1.75 1 loaf Sandwich Bread – $0.50 1 pkg Hot Dog Buns – $0.58 2 dozen Eggs – $1.98 1 16-oz pkg Deli Meat – $2.49 (somehow not in the picture) 1 pkg Boneless Chicken Breasts ($1.79/lb) – $11.70 1 pkg Turkey Franks – $2.19 1 8-oz

Have you signed up for your FREE Harry’s Shaving Bundle yet?!

Home » Deals » Hot Deals » Have you signed up for your FREE Harry’s Shaving Bundle yet?! Published: by Crystal Paine on October 23, 2021  |  This post may contain affiliate links. Read my disclosure policy here. If you haven’t tried Harry’s yet, you can currently get a FREE shaving bundle! All you’ll pay is shipping! Harry’s is offering a  free three-piece Shaving Bundle  right now. You just pay $3 for shipping. This is valued at $13! In this�