Free Red Baron Pizza with Ibotta cash back!

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

Spin Master Jumanji Deluxe Game only $24.39!

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

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

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

How to create a DIY investing strategy

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

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

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

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

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

Warmies Heatable Slippers only $24.99 shipped!

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

The best RRSP investments 2022

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

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

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

Making sense of the markets: 2021

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

Up to 40% off Planners on Amazon!

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

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

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

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

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

The best TFSAs in Canada for 2022

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

Free Toy Simplifying Workshop!

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

Making sense of the markets this week: January 9

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

HOT Deals on Hydro Flask Bottles and more!

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

Compare the best GIC rates in Canada 2022

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

Free Colgate Bright Smiles Bright Futures Kit for Teachers

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

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

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

Get a KiwiCo Box for $9.18 shipped!!

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

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

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

Possible Free Box of Wellness Samples from Checkout 51

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

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

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

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

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

Finance Tips for New Parents

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

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

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

How to leave money to your grandkids

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

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

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

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

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

Nexxus Shampoo and Conditioner Set only $18.49 shipped!

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

How to leave money to your grandkids

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

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

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

How to buy USDC in Canada

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

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

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

Free Sample of CeraVe Moisturizing Cream!

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

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

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

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

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

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

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

What we learned about investing during a pandemic

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

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

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

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

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

Embarking on a Fitness Journey – From Home

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

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

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

Making sense of the markets this week: December 19

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

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

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

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

HUGE Puzzle Sale on Zulily {Arrives by Christmas!}

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

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

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

Making sense of the markets this week: December 19

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

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

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

What are the tax benefits of donating to charity

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

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

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

Should you pay off your mortgage early?

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

Fidget Popper Spiral Notebooks only $19.99 shipped!

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

Why your home insurance rates are rising

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

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

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

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

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

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

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

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

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

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

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

Best cryptocurrencies to invest in for 2022

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

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

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

6 Ways to Show Your Support during Black Business Month

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

Muk Luks Socks Sets only $9.99 + shipping!

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

The tax implications of gifting adult children money and more

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

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

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

Making sense of the markets this week: December 5

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

How to buy dogecoin (DOGE) in Canada

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

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

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

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

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

Making sense of the markets this week: November 28

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

Possible Free Simple Facial Scrub Sample!

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

50% off Under Armour ColdGear Apparel + Free Shipping!

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

How to buy polkadot (DOT) in Canada

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

Ozark Trail 20L Thomas Hollow Backpack only $9.97!

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

Christmas Pot Holders for $9.99 shipped!

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

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

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

Has the pandemic ended the dream of retiring abroad?

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

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

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

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

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

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

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

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

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

How much are trading fees?

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

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

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

How does credit card debt affect a mortgage application?

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

Walgreens Holiday Cards Discount | Get 60% Off!

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

Making sense of the markets this week: November 21

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

Reading Comfy Sweatshirts for $25.99 shipped!

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

Do RRIF beneficiaries pay tax?

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

Barbie Color Reveal Advent Calendar for $19.99 + shipping!

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

How to buy Stellar / XLM in Canada

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

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

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

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

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

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

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

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

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

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

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

Making sense of the markets this week: November 14

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

Creating Back to School Meals with Amazon

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

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

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

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

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

Making sense of the markets this week: November 14

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

Honey Nut Cheerios only $1.79 shipped!

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

The trouble with overestimating your investing risk tolerance

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

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

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

Should you take RRSP withdrawals to pay down debt?

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

Watch: Investing in cryptocurrency (and crypto EFTs)

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

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

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

Up to 40% off Games for the Family!

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

Are energy stocks a good buy right now?

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

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

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

Making sense of the markets this week, November 14

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

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

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

The MoneySense ETF Finder Tool

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

Last Week’s $67 Aldi & Kroger Shopping Trips

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

Making sense of the market this week, November 7

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

11 Books for Financial Freedom and Building Wealth

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

Free Tresemme Hair Care Products at Walgreens!

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

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

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

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

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

How to overcome investing FOMO

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

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

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

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

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

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

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

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

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

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

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

Reasons to consider early RRSP and RRIF withdrawals

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

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

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

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

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

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

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

Last Week’s $67 Kroger Shopping Trip

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

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

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

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

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

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

Want to save money and eat healthier?

Published: by Crystal Paine on October 30, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Reader Interactions Money Saving Mom® Comment Policy We love comments from readers, so chime in with your thoughts below! We do our best to keep this blog upbeat and encouraging, so please keep your comments cordial and kind. Read more information on our comment policy.

Velvet Holiday Throws only $14.99 + shipping!

Home » Deals » Velvet Holiday Throws only $14.99 + shipping! Published: by Gretchen on October 26, 2021  |  This post may contain affiliate links. Read my disclosure policy here. These Velvet Holiday Throws are so festive and cute! Zulily has these Velvet Holiday Throws for just $14.99 today! Choose from 11 different colors. Shipping starts at $5.99. But if you place one order today, the rest of your orders will ship for FREE through 11:59 p.m. PT tonight!

How to buy cardano in Canada

Photo by Jonas Leupe on Unsplash The 2021 cryptocurrency market crash (from which, as of October, it has yet to fully recover), has prompted many crypto investors to focus on smaller, less expensive digital coins as alternatives to high-priced bitcoin and ethereum. While the trend has created a wider demand for so-called “altcoins” as a way to get crypto exposure while avoiding violent price fluctuations, it has generated a particularly strong tailwind for one of them: cardano. Once

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�

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

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

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

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

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

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

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

*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

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

Beats Solo3 Wireless On-Ear Headphones only $114 shipped (Reg. $200!)

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

Earn money for taking surveys with Opinion Outpost!

Home » Money » Earn money for taking surveys with Opinion Outpost! Published: by Meg on October 16, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Looking for ways to make a little bit of extra cash from home? Sign up for Opinion Outpost to get paid for your opinion! Sign up with Opinion Outpost  to earn money for taking surveys! Opinion Outpost pays in point rewards for every completed survey. You can cash these in for insta

Toddler & Kid’s Snow Bibs from Carter’s & OshKosh only $16.19 after Exclusive Discount!

Home » Deals » Toddler Kid’s Snow Bibs from Carter’s OshKosh only $16.19 after Exclusive Discount! Published: by Gretchen on October 14, 2021  |  This post may contain affiliate links. Read my disclosure policy here. If you’re planning to buy snow bibs, don’t miss this hot deal! Today only, Zulily has Snow Bibs From Carter’s OshKosh for just $17.99 ! Plus, when you shop through our link, you will save an extra 10% off at checkout making them just $16

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 » Basic Fun Tonka Mega Machines Storm Chasers LS only $6.99, plus more! Published: by Gretchen on October 15, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Reader Interactions Money Saving Mom® Comment Policy We love comments from readers, so chime in with your thoughts below! We do our best to keep this blog upbeat and encouraging, so please keep your comments cordial and kind. Read more information on our comment polic

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

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

Levi’s: Extra 40% off Sale Items + Free Shipping = Jeans as low as $17.38 shipped!

Home » Uncategorized » Levi’s: Extra 40% off Sale Items + Free Shipping = Jeans as low as $17.38 shipped! Published: by Gretchen on October 12, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Wow! If you love Levi’s brand, don’t miss this hot sale! For a limited time, Levi’s is offering an extra 40% off all sale items ! No promo code needed – the price will drop at checkout. Plus, shipping is free for Red Tab Members 

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Home » Deals » LEGO Ideas Central Perk Building Kit only $47.99 shipped! Published: by Gretchen on October 13, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Get this LEGO Ideas Central Perk Building Kit for the lowest price on record! Amazon has this LEGO Ideas 21319 Central Perk Building Kit for just $47.99 shipped right now! This is the lowest price on record! Sign up for a free trial of Amazon Prime to get guaranteed FREE

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

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

Home » Deals » RARE Discount on My Magic Carpet Rugs! {It’s Back!} Published: by Meg on October 8, 2021  |  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 ! This is a rare discount!! These rugs are machine washable and durable — perfect for families with kids or pets! You

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

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

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Home » Deals » Swing Cars From Joybay only $31.49 after Exclusive Discount! Published: by Gretchen on October 7, 2021  |  This post may contain affiliate links. Read my disclosure policy here. These Swing Cars From Joybay are so much fun! Zulily has these Swing Cars From Joybay for just $34.99 today! Plus, when you shop through our link, you will save an extra 10% off making them just $31.49! There are lots of colors to choose from. These would make such fun

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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Home » Deals » Amazon Deals » Reese’s and Kit Kat Assorted Milk Chocolate Snack Size Candy only $13.77 shipped! Published: by Gretchen on October 6, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Here’s a great stock up deal on candy! Amazon has this Reese’s and Kit Kat Assorted Milk Chocolate Snack Size Candy for only $13.77 shipped when you checkout through Subscribe Save! Note: Once your order ships, you can go

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

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

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

5×7 Area Rugs only $49.99 + shipping!

Home » Deals » 5×7 Area Rugs only $49.99 + shipping! Published: by Gretchen on October 7, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Need a new area rug? Here are some great deals! Zulily is having a sale on 5×7 Area Rugs and you can get them for just $49.99! There are lots of styles to choose from but hurry – they are selling out quickly! Shipping starts at $5.99. But if you place one order today, the rest of your ord

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Home » Deals » Great Deals on PLAYMOBIL Advent Calendars + Exclusive Extra 15% off! Published: by Gretchen on October 5, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Looking for an Advent Calendar? These PLAYMOBIL Advent Calendars are so cute! Zulily has PLAYMOBIL Advent Calendars on sale today! Plus, when you shop through our link, you will save an extra 15% off. Shipping starts at $5.99. But if you place one order today, t

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

Dollar Tree: Rare 10% Off Coupon for October 10th!

Home » Deals » Dollar Tree: Rare 10% Off Coupon for October 10th! Published: by Gretchen on October 2, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Love Dollar Tree? You’ll want to be sure to get one of these 10% off coupons! On Sunday, October 10th only, Dollar Tree is offering 10% off your entire purchase of $10 or more! To get this discount, you’ll need to stop by your local Dollar Tree and ask for the coupon at the check

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

Cooks 12-Cup Programmable Coffee Maker or 4-Slice Stainless Steel Toaster only $17.99!

Home » Deals » Cooks 12-Cup Programmable Coffee Maker or 4-Slice Stainless Steel Toaster only $17.99! Published: by Gretchen on October 4, 2021  |  This post may contain affiliate links. Read my disclosure policy here. JCPenney has some great deals on Cooks kitchen appliances right now! JCPenney has this Cooks 12-Cup Programmable Coffee Maker for just $17.99 when you use the promo code FAMILY36 at checkout! This is regularly $60 and has great reviews.

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

The Children’s Place: Backpacks as low as $11.98 shipped!

Home » Deals » The Children’s Place: Backpacks as low as $11.98 shipped! Published: by Gretchen on September 30, 2021  |  This post may contain affiliate links. Read my disclosure policy here. These backpacks from The Children’s Place are so cute! Right now, The Children’s Place is offering up to 60% off backpacks ! No promo code needed. There are lots of cute options to choose from and several of these are priced at just $11.98. Plus, shipping is free.

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

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

Printed Apple Watch Bands (4 Pack) only $19.99 shipped!

Home » Deals » Printed Apple Watch Bands (4 Pack) only $19.99 shipped! Published: by Gretchen on September 30, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Switch up the look for your Apple Watch with these Printed Apple Watch Bands! Jane has these Printed Apple Watch Bands | 4 Pack for just $19.99 shipped ! Choose from over 60 different styles. Psst! We love Jane! Looking for other great Jane deals? Check out our custom Jan

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

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

H&M: Free Shipping On Any Order Today = Great Deals on Kid’s Clothes!

Home » Deals » HM: Free Shipping On Any Order Today = Great Deals on Kid’s Clothes! Published: by Gretchen on September 28, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Whoa!! You can get FREE shipping on HM today! HM is offering free shipping on any order today! Plus, sign up for their Rewards program to score 10% off your order (it’s free to join). This is a great time to grab some kid’s clothes. Here are some deals

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

LEGO Flower Bouquet Building Kit only $40 shipped!

Home » Deals » LEGO Flower Bouquet Building Kit only $40 shipped! Published: by Gretchen on September 24, 2021  |  This post may contain affiliate links. Read my disclosure policy here. This LEGO Flower Bouquet Building Kit is the lowest price on record! Amazon has this LEGO Flower Bouquet Building Kit for just $40 shipped right now! This is the lowest price on record. Sign up for a free trial of Amazon Prime to get free two-day shipping (and possibly one-da

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

FREE Disposable Face Masks at Staples after rebate!!

Home » Coupons » Rebates » FREE Disposable Face Masks at Staples after rebate!! Published: by Gretchen on September 24, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Wow! This is a fantastic deal on Disposable Face Masks! TopCashBack is offering an $15 rebate on Disposable Face Masks from Staples, making them FREE! Here’s how to get your FREE Disposable Face Masks: 1. Head here for the special Disposable Face 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

Fuzzy Slippers for Women only $7.99!

Home » Deals » Fuzzy Slippers for Women only $7.99! Published: by Gretchen on September 22, 2021  |  This post may contain affiliate links. Read my disclosure policy here. These Fuzzy Slippers for Women look so cozy! Amazon has these Fuzzy Slippers for Women for just $7.99 when you clip the 20% off e-coupon and use the promo code S3MQYXIP at checkout! There are three colors to choose from. Sign up for a free trial of Amazon Prime to get free two-day shipping

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

Up to 55% off Børn Handbags!

Home » Deals » Up to 55% off Børn Handbags! Published: by Gretchen on September 24, 2021  |  This post may contain affiliate links. Read my disclosure policy here. These Børn Handbags are a great deal! Zulily is offering up to 55% off Børn Handbags right now! There are lots of cute styles to choose from. Plus, today only, our readers can score FREE shipping when you purchase any three items on Zulily. And if you place one order today, the rest of your orde

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

Buy 2, Get 1 Free Toys & Games on Amazon!

Home » Deals » Buy 2, Get 1 Free Toys Games on Amazon! Published: by Gretchen on September 22, 2021  |  This post may contain affiliate links. Read my disclosure policy here. Wow! If you are looking for deals on toys, don’t miss this HOT deal on Amazon where you can score Buy 2, Get 1 Free toys and games! For a limited time, Amazon is running a big Buy 2, Get 1 Free Sale on a huge selection of toys and games ! No promo code needed. Just add three toys and/or

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

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.

Kid’s Sweet Sheets just $13.99!

Home » Deals » Kid’s Sweet Sheets just $13.99! Published: by Gretchen on September 21, 2021  |  This post may contain affiliate links. Read my disclosure policy here. These Kid’s Sweet Sheets are so cute! Zulily has these Kid’s Sweet Sheets for just $13.99 right now! There are so many cute designs to choose from. Shipping starts at $5.99. But if you place one order today, the rest of your orders will ship for FREE through 11:59 p.m. PT tonight! Reader In

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

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

Beauty Brands: $10.98 Annual Lash Bash Sale!

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

“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

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

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

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

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

Home » Deals » Amazon Deals » *HOT* Get 3 FREE Months of Audible Amazon Music Unlimited! Published: by Meg on September 13, 2021  |  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 that gives you 3 FREE months of Audible and Amazon Music Unlimited! (Psst! Don’t forget about the FREE 2-month Kindle Unlimited Trial you can grab, too!) Rare Audible Dis

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

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

Firehouse Subs: Free Gyro Sub with Purchase!

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

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

Free HGTV Magazine 2-Year Subscription

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

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

Three to introduce £2/day European roaming charges from May 2022

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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