Shopping for your boyfriend, husband or Dad? Tip Top still has an amazing selection of men’s clothing at 50-70% off. And don’t worry, there’s more than just suits! (BUT…if you’re in the market for a men’s suit, there are some awesome ones to choose from.)
There’s also men’s sweaters, shirts, tops, pants, jeans and much more. It’s a great time to snag a deal on men’s clothing!
Ahhh…the spa! There is nothing more purely soothing and relaxing than a day at the spa. But, have you SEEN the prices a luxurious spa charges!? Right, for most of us a luxury day at the spa is not really a reasonable idea. But, for under $20 we can stock up on a few of our favourite bath and beauty products and still splurge in a lovely spa day at home. But, without completely bankrupting ourselves! Here are my favourite picks:
Lavandin Blackberry Soap – $4.50
There is nothing more de-stressing than a natural lavender soap. This lavandin blackberry soap is the perfect one to use on spa day. It smells utterly delicious, and will relax you as you soak away in a warm bath.
Relaxing Bath and Shower Gel – Olive Petitgrain – $4.50
This relaxing bath and shower gel is ideal whether you like a long, soothing soak in the tub OR a long, steamy shower! Combines Petitgrain essential oils and olive oil to make an enriching gel that bubbles and leaves a light, yet lingering herbal aroma.
Apricot Exfoliating Scrub – $5.95
Apricot powder provides a gentle, yet natural exfoliant in this Apricot scrub. Contains more than 98% natural ingredients, and no colorants added.
Set of 4 Luxury Hand Creams – $14.95
This beautiful set of 4 hand creams is perfect for spa day! Our hands always need a bit of extra attention – and with shea butter, and organic aloe vera – these rich hand creams really soothe dry skin. The four beautiful scents this set includes are: Bourbon Vanilla Hand cream, Mango Coriander hand cream, Olive Petitgrain hand cream, and Coconut Hand cream. (Feel like sharing? Pick up another set as a lovely gift for a friend!) The individual tubes are ideal to keep in a glove compartment in your car, or always in your purse.
Lavender Polishing Foot Scrub – $11
Our poor aching feet deserve a little pampering, too! After a good soak in some warm, bubbly water (a splash of bubble bath or body wash will do nicely), use this foot scrub to ease away rough skin. This foot scrub is made with beautiful ingredients: lavender oil, and apricot kernel powder to provide the scrubbing action to ease away rough skin. Finish off with some rich foot cream, and your feet will thank you!
Spa day, here we come! We hope that these Yves Rocher products will inspire you to indulge yourself in a spa day at home. Finish off the relaxing effects by putting on Spa-inspired CD or Spotify playlist to make your home truly feel more spa-like.
There are times when all of us suddenly find ourselves needing some extra cash. Maybe you work a freelance job, or maybe you lost your job entirely. (In which case – I’m very sorry to hear that. There aren’t many things as stressful as that.) Or, maybe you’re a student whose student loan is not stretching as far as it needs to. There are many, many situations in which a person just needs a little extra money! And sometimes, you need some cash right away.
Today, we’re going to talk about five easy ways to make money from home. Of course, all of these ideas are completely legitimate and don’t cost YOU a penny! Please leave your ideas for quick, easy and legit money making ideas from home in the comments section. We love to hear from you!
This post contains affiliate links – a way I get paid for providing you with content, at no cost whatsoever to you!
Dog walking – If you have friends or family who work full-time and are dog owners, well – you may have found the solution to your low-cash problem! Let your friends know that you’re available for dog walking. Or, you can even go around your neighborhood with a few flyers you print up on your computer. It might turn into a regular side gig for you.
Sell your stuff! (Locally) Selling your stuff online is super easy, and you have a bunch of options. There’s places like https://kijiji.ca or Craigslist. These allow you to list items for sale, and then you meet up with local people to exchange the goods for cash. Please always be careful when completing these transactions. Police departments often recommend meeting potential customers in a public area – or even right in the parking lot of the police station to feel extra safe.
Sell your stuff (Globally) – You can also earn money quickly by offering something you own – let’s say a guitar you never use – online on eBay. eBay now has many more selling options, allowing you to enter a ‘Buy it Now’ price, so that customers immediately buy and pay for the item. Yay, that is just the cash infusion you need! This means you can earn some money TODAY instead of waiting a week for an auction to end. Just be sure to set your price carefully. Research what other similar guitars have sold for, ensuring that you get a good amount for your old guitar. But, price it competitively enough so that customers want to buy it quickly! When customers pay via Paypal (and most do), you will get a quick payment that you can use right away. Hurray! Also research how much shipping will cost you. You don’t want excessive shipping fees to eat up all your profit!
Return something – If you need money fast, you can return something you’ve already purchased (with the receipt) to get a refund. That money then is returned back to you in the original form of payment – onto your credit card, or if you paid with debit – right back into your bank!
Do a freelance gig on Fiverr– Fiverr is a game changer for creative types. Why? It is an international marketplace to find gigs. You can provide writing services, create graphics (such as logos or even entire websites), or even do voiceovers! While the site is called Fiverr (meaning that small gigs on the site used to start at payment of $5) – the assignments you get NOW can earn you far more than that! We’re talking $30 and up. If you’re a writer, graphics designer or other type of creative genius – then you might be on to a real winner here. The more assignments you complete the more you’ll end up earning, as your reputation improves in the Fiverr community.
Don’t stress about needing money – take a deep breath, and put that energy instead into selling something you have to earn some money right now, this very moment! You can sell services like dogwalking, or you can sell old junk you have sitting around your home. (I’m looking at you toaster oven that still resides in its box.) OR, you can share your digital creative skills and earn some quick cash. It just takes a little effort, and your sadly empty wallet will soon have a little more weight to it.
Clearly.ca is one of my favourite spots to search out new glasses and contacts. Use the above code to save an easy $10 off $99 or more on contact lenses. Easy peasy, and an extra $10 bill still safely stored away in your wallet. Where it should be!
What’s on clearance right now at LinenChest – well, just about everything! And I mean there are some incredible savings to catch your attention:
50% off luxury hotel-style bedding collection
50% off Grand Hotel sheets
50-60% off down alternative luxurious duvets (perfect for this terribly cold weather right now!)
70% off a Palermo comforter set in a soothing, sleep-friendly shade of pale grey and white
Only $9.95 for a 20 oz. fluffy gusseted jumbo pillow
50% off a Cuisinart Precision stand mixer (was $399.95) Now only $199.99
Swiss Gourmet Raclette for only $79.99 (Don’t know what a raclette is? It’s a Swiss-style grill-top cooker with individual little pans that melt cheese. You have a group of pals over, grill delicious meats and veggies and then smother in special raclette cheese. How good does that sound!?) $60 off regular price.
How to have a dream vacation on the cheap? The obvious answer is that you don’t! Sure there are those all inclusive deals you see advertise all the time but to go somewhere truly exotic, historical or cultured it is going to be expensive. So, do I find a cheaper location to go to? Perhaps, but there are ways to save that can help you still have that dream vacation that you have always wanted. Here are three tips to help you below.
Travel Off Season, on Your Dream Vacation!
This one seems obvious but you would be surprised how many people do not do it. However, that has a big cost and it could be the difference between having a dream vacation or not. For example, I went to Tuscany in November which is low season for Italy. The weather was cooler and there was a bit of rain. However, the savings was huge! The loft apartment my wife and I stayed was 50 Euros a night. In high season which is the summer months, the same place was 250 Euros a night. Just think of the savings! One week(seven nights) in Tuscany costed me 350 Euros as oppose to 1750 Euros in high season. And the place I stayed at was awesome as it was overlooking an olive grove in the Tuscan countryside. Travelling off season can save you a ton of money!
Cook Your Own Meals and Save!
I know a lot of people will say, “who wants to cook their meals while they are on their dream vacation?” I get that but to eat out everyday for every meal is really expensive! For example, if my wife and I ate out every meal for a week in Europe and tried to find cheap places to eat, we will still be paying upwards of 100 Euros a night at the very least. However, if our accommodation had a kitchenette or stove, and we cooked our own meals than we will be paying around 100 Euros a week. That’s a massive savings! Also, if you want go out for a romantic meal out, you can splurge on it and still come out ahead and you will have that special memory to boot. It’s a win, win!
Look for Free or Low Cost Activities
This seems impossible and at first look you are right because all the attractions at your dream location usually have costs. However, there are free or low costs options out there which can lower you expenses significantly. For example, when my wife and I were in London a while ago, we were pleasantly surprised to find out that all the major museums in London are for free! These were not second rate museums, but some of the best the world has to offer. It was an incredible experience and it was all free.
Avoid Tourists Traps
It is easier said than done but the reality is that any store, restaurant, business, or shop near an attraction is a tourist trap and you will pay a lot more then you should. So, you need to do some research and venture away from these locations and you will save yourself money. For example, when my wife and I were in London, we were looking to buy a cheap throw away phone for our trip. We were staying in a tourist area and the store that was selling phones were charging 40 pounds. I decided to do some research and found a store two miles away. The store had the same phone for five pounds! Avoiding the tourist traps as much as you can will be a big savings.
Conclusion, Your Dream Vacation is possible!
Yes your dream vacation is possible. With a little planning and finding a few alternatives here and there, you can do it! Yes, there are a few sacrifices you might have to make to get there, being going off season, cooking your own meals, looking for free or low cost options and avoiding tourist traps. But the benefits far out weigh the costs. So start planning that dream vacation and have memories that will last a life time. Save travels my friends!
Is online banking safe to use? It is an interesting question as some love using online banking while others fear it. And it is easy to see why because we live in a time where we can literally purchase everything online. However, with that comes skyrocketing cyber crime which seems to be getting worse by the day. Hence the dilemma.
The Fears of Online Banking
These fears can be summed up in three areas:
The fear of my bank account being hacked and compromised resulting in loss of money.
Computer or system glitches preventing me from accessing my account.
Human error resulting in moving money to the wrong location or source resulting in loss of funds.
Are These Online Banking Fears Founded?
In a word, no. Online banking has come along way and here are three reasons why these fears are unfounded:
Security-Online banking systems have sophisticated security software to protect the user from hacking. For example my bank uses Trusteer Rapport which is security software developed by IBM. Also, banks have a guarantee to users to compensate them for any losses due to their account being compromised. Here’s an online guarantee from my bank, “We will fully reimburse you in the unlikely event that you suffer direct financial losses due to unauthorized activity in your accounts through Digital Banking Services provided you have met your security responsibilities.”
Systems glitches are pretty rare. I have been using online banking for a long time cannot remember the last problem there was. There could be the rare time that the system is down for maintenance but the website usually has a warning if this is the case.
Extra steps implemented to prevent human error. When you do any transaction, there is usually a step that asks you to confirm a transaction or asks if you are sure. This gives you the opportunity to double check. If you do make an error, who can call the bank’s call centre or email their help desk to get help to reverse the transaction.
Benefits of Online Banking
Here are two benefits below:
Time. This one is obvious! What is faster? Driving to your bank to pay a bill or apply for a credit card or turning on your computer going to your bank’s website and doing it all there? You save lots of time!
Convenience. Imagine, you can pay your bills, pay your taxes, invest, and apply for a loan at once. If you did it the old way, you would have to line up at a bank, see multiple people, and potentially go to other places to pay for your bills or invest. With online banking, you can do it all in the comfort of your home.
Should I use online banking? If you value time and convenience than the answer is a resounding yes! The benefits definitely outweighs the risks and if something does go wrong, you bank will compensate you for any losses. It’s a win win situation which is a rarity in our world today. So, why not give it a try?
A reverse mortgage, is it worth it? It is an interesting question. Reverse mortgages are definitely on the rise. There are now many commercials airing on TV stating the merits of getting one. But what is a reverse mortgage? Who is eligible? What are the pros and cons? Is it worth it?
What is a Reverse Mortgage?
Here’s a definition from the government of Canada website, “A reverse mortgage is a loan that allows you to get money from your home equity without having to sell your home. You may be able to borrow up to a certain percentage of the current value of your home. The maximum amount you will be able to borrow will depend on your age, your home’s appraised value and your lender.
You don’t need to make any payments on a reverse mortgage until the loan is due. This is usually when you move out of your home, sell it or the last borrower dies. You will owe more interest on a reverse mortgage the longer you go without making payments. This may result in you having less equity in your home.”
Who is Eligible?
The government of Canada website says that you have to be at least 55 years old, a homeowner, it has to be your primary residence. Also, if you have a mortgage or lien on your home, you have to pay it off when you get a reverse mortgage.
A person may turn some of the value of your home into cash, without having to sell it
You don’t have to pay tax on the money you borrow
This money does not affect the Old-Age Security (OAS) or Guaranteed Income Supplement (GIS) benefits you may be getting
You still own your home
You may have options as to when and how you receive the money
Interest rates are higher than most other types of mortgages
The equity you hold in your home may go down as the interest on your loan adds up throughout the years
Your estate will have to repay the loan and interest in full within a set period of time when you die
The time needed to settle an estate may be longer than the time allowed to repay a reverse mortgage
There may be less money in your estate to leave to your children or other beneficiaries
Costs associated with a reverse mortgage may be higher than a regular mortgage or other lending products
Some Caution about Reverse Mortgages
As mentioned above, a reverse mortgage is a loan and with a loan there are conditions that have to be meant and this is where caution is needed. For example you required to keep up the value of the home by maintaining it. However, as you get older this could be harder to do and if your place fall into disrepair you could default on your loan and potentially lose your home. A similar scenario can happen if you do not pay your property taxes and home insurance.
Is it Worth it?
It depends. If you plan to stay in your home right up until you die and you have no beneficiaries to your estate then the reverse mortgage might be to your liking. But if you have beneficiaries you want to give money to after you die, or you plan to downsize or go into assisted living, then it might not be for you. So do your do diligence and do your research. Because a reverse mortgage is not free money but a loan that has conditions like other loans. So you need to be mindful.
Should I open a TFSA? It’s an interesting question as it seems to be all the rage right now. It seems like an easy way to save money. However, before getting a TFSA, you should know a few things about it first.
What is a TFSA?
It is a tax free savings account. This means that whatever money you put in it, the interest, dividends and capital gains earned in this account is tax free for life. You can withdraw money from it at anytime and the money withdrawn is tax free!
What can I have in a TFSA?
You can have a wide range of investments inside of a TFSA such as:
securities listed on a designated stock exchange
guaranteed investment certificates
certain shares of small business corporations
Advantages of Opening a TFSA
The biggest advantage is that any interest, capital gains or dividend income earned is tax free! As a result you can grow your money faster than in a typical investment or savings account as income earned in these accounts are subject to taxation when either earned or when money is withdrawn. Another advantage is that you can withdraw from it anytime which gives flexibility. Finally, anyone can set up a TFSA as you do not need to be earning income to have one.
Disadvantages of Opening a TFSA
One of the biggest disadvantages is that if you use it as a savings account, the interest rates are not very high. For example, if I want to put money in a savings account within a tax free savings account, the interest I would receive would be about 1% per year. If a put it into a high interest savings account, I can earn some where in between 1.5 to 3% which is a bit higher and can earn a higher rate of return even after the interest is taxed. Another disadvantage is that you can only invest a certain amount every year. For example the TFSA limit for 2019 was $6000.00. However, if you have never invested in it since its beginning then you could possibly invest up to $63500.
Should I Open a TFSA?
Yes you should! The only reason you might not open one is that you would be only using it as a savings account where the interest rates would be low. However, if you do not need to use the money in the foreseeable future, you might look at putting the money into a GIC where you might get a little better interest rate and there is no risk. But if you are an investor and you do not mind the risks involved investing in securities or mutual funds, then opening a TFSA is an absolute must as you will grow you money faster. So open a TFSA and use it correctly and you will not be disappointed!
Is it only my Dad who would laugh aloud while reading this? If you have fans of the Far Side in your family, then this seems like a no-brainer gift for them! The entire collections comes in two hardbacked editions, tucked away in a really cool storage box. Now, if only I could find a Calvin & Hobbes collection, too…