TD Insurance Decreasing Deductible – What are the Details? (Canada insurance plans)

Picture of TD insurance logo to highlight TD insurance decreasing deductible.

Your coverage comes with extras such as the TD insurance decreasing deductible. This is what I received in my email a couple of days ago. I thought it was interesting as I had never heard of your deductible decreasing for your auto insurance unless you paid more in monthly premiums. Normally I would consider this spam and delete the email. But I was curious and thought I would do a little digging. What exactly is a decreasing deductible, and is it legitimate?

TD Insurance Decreasing Deductible – What is it?

Basically a decreasing car insurance deductible is a reward for good driving. Each year you you do not have to file a claim for an accident your premium decreases by 10%. Their website uses an example of if you have a $500.00 deductible and you are claim free you first year, your deductible reduces to $450.00. If you have another claim free year, your deductible drops to $400.00. Another year claim free, it reduces to $350.00. This is pretty cool, because the 10% is based on the original amount of deductible and not off current amount, meaning you save even more!

How Does it Work?

First you do not have to pay any extra to get the benefit. Also, it is automatic so if you have a claim free driving record when you have to renew your policy, the deductible will drop. Here are some other details from their website below:

-Applies to Collision or All Perils coverage with deductibles of $500 or lower.

-Earn a 10% decrease on your original deductible for each claim-free year until your deductible reaches $0.

-After you make a claim during a policy term, your deductible will return to its original amount at your next renewal. For the purpose of this feature, these events won’t be considered a claim: glass breakage of $200 or less, not at-fault collision, or hit and run.

-Even if you change vehicles, your lowered deductible will apply if replaced within 30 days.

Conclusion

The TD insurance decreasing deductible is a nice little benefit to have. Normally, it seems that you are always paying more for auto insurance so it is nice to potentially pay a little less. The amount of savings is not huge but if you have a deductible of $500.00 and you do not file a claim for 10 years and then have an accident that you have to make a claim. You could save $500.00! That is something for sure. Obviously it is better not to have an accident but it is good to know that there is some potential savings if you do have one. Not bad at all.

10 Natural (and Cheap!) Ways to Treat and Prevent Heartburn and Acid Reflux

It happens to all of us occasionally – heartburn strikes! There is that terrible, burning sensation in your chest, and you may feel that acid burn right up in your throat. Not a lovely feeling. And if it happens at night, heartburn can even cause you insomnia. But, instead of always reaching for a prescription medication, are there natural heartburn remedies you can try instead? Yes! We’ve researched 10 tried and true ways to treat heartburn at home with common items you likely have around anyway.

These are helpful tips to try, but please always talk to a doctor about any new health issue you have. Heartburn could be a sign of something more serious.

1. Battle heartburn with baking soda

Baking soda is one amazing ingredient to have around the home! (We’ve also written about 10 Ways to Use Baking Soda to Clean your Home, so check that out for other ideas.)Once you’ve tackled your heartburn, you can go and clean the toilet with the same ingredient! Huh!) What we most often think of as a rising agent in baking, can also help treat heartburn naturally. Simply add about one teaspoon of baking soda to a small glass of water and stir well to dissolve. Then, drink up! Baking soda is naturally alkaline, so it can help to reduce acid. (But, if you’re watching sodium content then please be careful before trying this tip. Just one teaspoon of baking soda contains a whopping 1250 mg of sodium!! If you have high blood pressure, you also shouldn’t try this tip because of the very high sodium content in baking soda. But don’t worry, our other tips should be helpful for you!)

2. Drink a glass of milk

Again, milk is an alkaline – not acidic – substance, that can naturally help to combat either heartburn or acid reflux. Some people find a lot of relief by drinking a small glass of cold milk when their heartburn is acting up.

3. Prevent heartburn by reducing how much coffee you drink

Ahhh, sweet coffee! I love it too, but too much coffee – which is, again, very acidic – can create more problems for those of us with regular heartburn and/or acid reflux issues. Limit your coffee and overall caffeine intake to help prevent more problems with heartburn. And if you do have a cup of coffee, it helps to add milk to it rather than pure coffee alone. (Or milky coffees like lattes or cappuccinos will cause fewer problems than very strong coffee like an espresso.)

4. Limit how many citrus fruits (oranges, lemons) you eat

Delicious as they may be – and healthy too! – citrus fruits such as oranges, lemons, limes, and mandarin oranges – are all packed full of acid. (This is why they’re damaging to teeth enamel too. Side tip: drink a glass of water after eating citrus fruits to limit the damage on your teeth.) Limit how many citrus fruits you eat, or how much citrus fruit juice you drink. Some people find that if they have a small glass of orange juice with food, they’re okay. (The food may help absorb the acid of the fruit juice.) But, some people are very sensitive to citrus fruits, and need to make them only an occasional treat.

5. Drink a little aloe juice

Now, aloe juice may not be an ingredient we all have in our pantries regularly. But, you may have an aloe plant somewhere in your home! Drinking a little natural aloe plant juice is a wonderful way to soothe away some of the discomfort of heartburn. You can also purchase actual aloe juice at health food stores. If you’re prone to heartburn, this might be a good item to keep on hand to treat it naturally when it strikes next. The juice is easy to drink, whereas the aloe gel that comes straight from the plant may not be quite as palatable.

6. Eat a banana

Bananas are naturally very alkaline, and they seem to soothe a lot of stomach problems and ailments! Eating a banana can help ease away the pain and discomfort of heartburn or acid reflux. And hey, they happen to be pretty yummy, too. Delicious snack plus heartburn treatment all in one little yellow package.

7. Eat a few plain crackers (soda crackers)

I remember my Mom suggesting this when I was a child, and it works! Eat a few soda crackers or other very plain crackers. It seems to help absorb some of the excess acid in your stomach and makes you feel a bit better.

8. Don’t eat so late at night

I know, I know! This sounds so judgey. But, if you cut back on late night snacking, you may find that you have fewer problems with heartburn in the middle of the night.

9. Raise your head up on a pillow (when trying to sleep)

Raising your head up a bit higher on an extra pillow will help prevent the additional acid from sneaking up your esophagus and causing you discomfort. This simple tip really works! But hopefully it won’t give you a neck ache the next morning!

10. Try a little Apple Cider Vinegar in water

This seems totally counterproductive, right? Why would you want to consume additional acid when you’re already suffering with too much acid in your stomach? And yet, many people find that their problems with heartburn are caused by too little acid being produced in their stomachs. For some people, a spoonful of natural apple cider vinegar (the good kind, with a ‘mother’ in the bottle) in a small glass of lukewarm or cool water can be very helpful. It can help balance out the healthy acid in your stomach.

We hope these tips have helped soothe your heartburn, and that you’ll be able to get on with your day, or even have a wonderful nighttime sleep. If you have other natural heartburn tips that are tried and true, please let us know about them!

Well.ca sales and specials this week: SunBum lip balm for $0.25 (No joke!) and Only $1.50 for kids’ sunscreen

While I was trying (without much success!) this week to find some foaming soap refills for our soap dispensers, I came upon some great options at Well.ca! This was my first every order with Well.ca and I have to say I’ve been really happy so far. The price on the foaming soap refills were better than anywhere else (Amazon was WAY more expensive, which surprised me!) and the processing was very fast. I’ll post a link to the soap, if they still have any available.

But, while I was there on their site anyway, my bargain hunting tendencies got the best of me and I started to look for the best sales and deals they have going on right now. Here are all the best deals this week:

Watkins Foaming Soap Refills Canada

  • Like I said, this stuff was hard to find! Both the Lemon and Green Tea variety were still available the last time I checked. Each packet of 828 ml size allows you to fill their foaming soap pump about three times. I stocked up, because over this crazy COVID and flu season, I wanted to make sure to not run out of soap! The large packages of refill soap are $6.99 each – the best price I could find, period. If you guys find a better price, please let me know – whether it’s online or offline!

Boiron Products – 25% off at Well.ca until October 25, 2020

  • Boiron products are a wide range of homeopathic and natural treatments and therapies for cold and flu season. All of these products are on for 25% off until October 25. They have family bundles of cold and flu natural medicines – this one is on sale for $39.13 right now and includes Oscillococcinum and Boiron Stodal for Adults syrup. (That is their type of homeopathic cough and cold syrup; excellent if you want to try something more naturally derived than the cough syrup you generally can get at the drug store.)

CLEARANCE ITEMS at Well.ca this Week

Now for the ultimate money savers! These items are up to 60% off in Well.ca’s clearance section. We’ll start with the cheapest items first, because you know we like cheap around here. 😉

  • Only $0.25 for SunBum lip balm – I picked up four of the coconut lip balms, because hey – 4 for a buck is an eyepopping kind of deal! Oops, the coconut is sold out but there is still a banana variety that gets a very good rating and a pomegranate flavour too. Has an SPF of 30, which is handy to keep your lips protected in the sometimes harsh sun of winter. (Which has well and truly arrived here in Calgary. Ugh.)
  • Only $1.50 for Badger Natural Kids sunscreen – regularly $29.00 – Wowser! i need to post these bargains quickly so you guys actually get a chance to snag these before they’re all gone. SPF 40 by the way – and I’m pretty sure the sunscreen police won’t charge you IF you as an adult wear this kids’ sunscreen. (Wish I had seen this one before I placed my order! hahaha)
  • Only $4.00 for Little Ones toy cleaner – all natural toy cleaner to scrub clean those toys that kids get yucky. Which, of course, is all the toys they touch! The brand on this is Attitude Nature Plus.

I hope you guys can snag whatever items it is you need this week from Well.ca. I seriously want to post this in the hopes that you can get some of these incredible deals before they’re gone. And as a helpful reminder: Shipping is FREE on Well.ca when you spend $35 or more.

Happy shopping, everyone! And hope there’s less snow where you are.

This post contains affiliate links. This means we may earn a small commission on sales made through these links at no extra cost to you. Thanks.

PC Optimum points and bonus offers this week at Superstore AND Shoppers Drug Mart – Points Haul

pc optimun card to highlight this week deals

Hello bargaineers and money savers here in Canada! We are back to share with you all of the best ways to stock up on PC Optimum points at both Superstore and Shoppers Drug Mart this week. The more points you have, the more valuable stuff you can get for free!

Remember that 10,000 points = $10 of free stuff – whether that be groceries, clothing, etc. Points add up quickly, and a lot of people collect their points carefully to use when money is a bit tight. Or, some people wisely collect their points in order to save up towards a special large item – maybe a TV or microwave! Whatever your reason for collecting PC Optimum points, we want to help you do it more efficiently.

So, enough chit chat. Let’s get right to the points!

Special Offers and Sales at Shoppers this Week

First off, Shoppers has a special Bonus PC Optimum Points Day coming up on Saturday, October 17, 2020. Get 20 times the points when you spend $50 or more on almost anything in store. PLUS, if you use your PC Financial Mastercard, you’ll get a bonus 5000 points back! (That’s like getting an extra $5 in freebies. Nice!)

Scan Your App Contest at Shoppers – Win 1 million points!

And remember that the Scan Your App contest is still going on at Shoppers – right until the end of the month, October 31, 2020. You could win 1 million PC Optimum points! That’s like getting $1000 of freebies. Wow!! Like I said in our last PC Optimum points haul post, that would be a lot of fun – winning $1000 worth of points, and then going shopping. Woohoo! To enter you simply need to scan either your Shoppers Drug Mart or PC Optimum app on your smartphone. You do this when you go in-store to shop OR online, too.

Shoppers Drug Mart Seniors’ Day is Thursday, October 22, 2020. Plan ahead to visit that day to save 20% with a PC Optimum points card on almost anything in store (that is regular priced.)

On Sunday, October 18, 2020 spend $75 or more on almost anything in-store at Shoppers and get a $20 Shoppers Drug Mart Savings card!

Flyer deals are in effect from October 17 to October 23, 2020, unless otherwise noted.

Baby Stuff on Sale at Shoppers – Bonus points

  • Johnson’s baby toiletry items (such as Johnson’s baby powder, body wash, baby lotion or baby shampoo) – $5.99 each – Buy 2 get 2000 points

Grocery Items on Sale at Shoppers – Bonus points

  • PC Granola bars – Buy 2 get 1000 points

Health and Beauty Sales at Shoppers – Bonus points

  • Get 10,000 bonus points when you spend $40 or more on the following participating brands of products: Tylenol, BandAid, Benadryl, Aveeno, Neutrogena, or Listerine.
  • Alcon Opti-Free Puremoist for contact lenses OR Clear Care contact solution – Up to 20% off on each AND Buy 2 get 5000 points
  • Benylin sore throat lozenges OR cough syrup OR Tylenol Cold products (pills and caplets) – $9.99 each AND Spend $20 and get 4000 points
  • Benylin All in One cough syrup OR Tylenol Complete liquid syrup OR caplets – Spend $20 get 4000 bonus points
  • Buckleys mixture (cough syrup) OR Buckley’s Complete cough syrup OR Breathe Right nasal strips (26’s to 30’s) or Otrivin nasal spray – save up to 15% off – Buy 2 get 4000 points
  • Dove antiperspirant/deodorant OR Nivea bar soap or body wash – Buy 2 get 3000 points
  • Halls Kids cough drops (cough lozenges) – special cough candies for kids – Get 1000 points
  • Homeocan Kids’ cough syrup, 100 ml bottles – Save up to 10% on each AND Get 750 bonus points on each bottle
  • Joe Fresh umbrellas (some really cute styles available!) – Get 5x the points
  • Life Brand calcium or mineral supplements (such as potassium or magnesium) – buy 2 get 5000 points
  • Life Brand vitamins – Selected types and sizes – Buy 2 get 5000 points
  • Life Brand vitamins – B Complex, multivitamins or special eye vitamins (They call that line their I-Care vitamins) – selected types and sizes – Buy 2 get 4000 points
  • Live Clean body wash OR deodorant (I think the deodorant is new right? Has anyone tried it yet?) Buy 2 get 3000 points
  • Loreal Excellence or Age Perfect hair colour kits – Buy 2 get 3000 points
  • Neutrogena acne or cleansing products (like their Blackhead Eliminating daily scrub OR Rapid Clear with salicylic acid) – Buy 2 get 3000 points
  • Olay eye treatments or Regenerist facial moisturizers – Buy 2 get 8000 points
  • Oral B 3D Pro Flex manual toothbrush OR Burt’s Bees toothpaste OR Crest Gum & Sensitivity toothpaste (90 ml size) – $4.99 each and Buy 2 get 1000 bonus points
  • Physician’s Formula cosmetics – including new Organic Wear silk foundation Elixir shades – Spend $30 get 5000 points
  • Quo Beauty bath accessories (such as bath scrubbing mitts or bath scrubbies or poufs) – Spend $25 get 5000 points
  • Quo Beauty bath foam or bath bombs (bath fizzies) – Buy $25 get 5000 points back
  • Quo Beauty false eyelashes, fake eyelash kits Or false eyelash adhesive – Buy 2 get 1500 points
  • Quo Beauty makeup products (cosmetics) OR Nude by Nature makeup and cosmetics – Spend $25 get 5000 points
  • Quo Beauty sunglasses – Spend $25 get 5000 points
  • Restoralax laxative powder (765 grams – 45 dose size) – $32.99 each AND Buy 2 get 10,000 points
  • Rub A535 – Topical pain relief products (for sore muscles) – Save up to 15% off AND buy 2 get 3000 points
  • Sally Hansen Miracle gel nail polish (nail enamel) – Buy 2 get 4000 points
  • Secret Collection accessories – Buy 2 get 2000 points
  • Secret Collection knee highs OR Joe Fresh OR Secret Collection socks – Buy 2 get 2000 points
  • Secret Collection pantyhose – Buy 2 get 2000 points
  • Secret Collection tights – Buy 2 get 2000 points
  • Softsoap liquid hand soap refill (1.47 liter size) OR Lady Speed Stick antiperspirant or deodorant – Buy 2 get 3000 points
  • St. Ives lotions (hand and body lotion) – Buy 2 get 3000 points
  • Tampax tampons (20’s) OR Always liners (26’s to 60’s) or pads (12’s to 24’s) – Buy 3 get 6000 points
  • U by Kotex – liners or pads – $3.79 each AND Get 1000 points
  • U by Kotex – tampons, liners or pads (larger size packages) – $8.99 each AND get 1000 bonus points
  • Vasanti Brighten up! hand cream – Get 10x the points
  • Waterpik Water flossersGet 4000 points

Luxury Beauty Sales and Fragrances at Shoppers – Bonus Points

  • Burberry Brit fragrances Get 15,000 points
  • Dermablend special brand event this week at Shoppers! Cruelty free beauty products. Buy 2 of their products and get 12,000 points back. (Just some of their product line are: Dermablend loose setting powder, Dermablend cover care, and Dermablend smooth liquid creme. Dermablend also carries a super coverage concealer called Quick Fix, in a wide range of colours. If you’re in the market for the best covering foundations and concealers, then Dermablend is probably the brand you’re searching for.)
  • Jowae skin care products – Get 10x the points (10 times the points)
  • Lotus Aroma body or skin care products – like their Velvet body lotion OR Day and Night firming cream – Get 15 times the points on purchase
  • Lotus Aroma roll on essential oils – Selected types – Buy 2 get 2000 points
  • NCEF Filorga – skin treatment; Concentration equal to a multi-rejuvenating injection. Treats wrinkles, helps firm skin and adds radiance to skin. Skin care products – get 15,000 points on each product purchased.
  • No 7 skin care serums – Such as their Firming Boosting serum – Buy 2 get 10,000 points
  • Proactiv – The ever popular Proactiv is available at Shoppers! They have a special offer this week of 10x (10 times) the points on any purchase. You don’t have to purchase Proactiv online or over the phone – you can just pop by Shoppers to pick up what you need to clear up your skin.

Special note for Vera Wang fragrance lovers – her new Embrace Eau de Toilette (EDT) is available at Shoppers now!

How do you earn points at Shoppers Drug Mart?

There are basically 3 different ways to earn PC Optimum points at Shoppers:

  1. Earn 15 points for every $1 you spend on nearly anything at Shoppers! These are your regular or base points.
  2. 20x (or 20 times) Events at Shoppers – Bonus points events like these are where you can really start to rack up big points that add up to big savings! That’s what these blog posts are all about. Wait for special 20x the points events to get twenty times the points on anything you buy that day! For example – a $50 on a regular day would earn you 750 PC Optimum points. But on a special 20x the points event day, you would earn 15,000 points instead! See why bonus events and bonus points on products really add up?
  3. Get the PC Optimum app to take advantage of personalized offers. You’ll get special offers loaded to your app on items that YOU buy and use the most. These offers can include 1000s of extra points you wouldn’t normally have received.
  4. And…visit our special blog posts about PC Optimum points to see which products this week have bonus point offers attached to them! Obviously. 😉

There are some excellent deals at Wellwise this week! Wellwise is a company that sells home health care products. This week there is a PC Optimum bonus points offer of 25,000 bonus points when you spend $100 or more on almost any merchandise at https://www.wellwise.ca.

  • Cubii Jr. underdesk elliptical machine – This awesome little machine allows you to work out right at your desk! With many of us now working from home, this is a way to get a workout in, while working at the same time. Nice way to multi-task, bargaineer! on sale this week for $299.99 PLUS get 20x the points on your purchase. (That’s like saving an extra $89.)
  • Golden Technologies – PR-510 Maxi comfort cloud auto drive power lift recliner. (Power lift chair for in the home.) $1874.99 this week. 20x the points – that’s like an extra $562.00 back in points. (Golden Technologies power chairs and accessories are also available on Amazon, if you’d like to compare current prices and features of different chairs.)
  • Lumin CPAP UV sanitizing system – a way to get your CPAP machine thoroughly cleaned and sanitized. Get 50,000 points
  • Revitive Medic ultrasound therapy pain relief device – $169.99 each on sale plus get a bonus 20x the points. That’s like saving an extra $50!

PC Optimum points at Superstore – Sales and Deals at Superstore this week

Well, hello Superstore! What goodies and offers do you have in store for us this week? Let’s find out…

Superstore Loss Leaders this Week – the Best Sales

This is a new category for us to add, but I want you to know the very best deals to be had, whether there are bonus points attached to these offers or not! These specials will be focused on food and other necessities. These are ways to stock up your pantry at the lowest possible prices.

  • Baguettes – freshly baked at the Superstore bakery each day – always only $0.94 each, a great deal!
  • Betty Crocker super moist cake mix, tubs of frosting or snack size mixes – $1.25 each with a limit of 6; over limit price $1.78
  • Brunswick sardines or fillets – $1.28 each with a limit of 4; over limit price $1.58
  • PC large tins of ground coffee $8.88 each, with a limit of 4
  • No Name Apple or orange juice – 1 liter boxes – $0.88 each with a limit of 4 (Over limit price of $1.00 each)
  • No Name bagels $1.98 each (bag of 6 bagels)
  • No Name canola oil – large 3 liter size – $4.18 each with a limit of 4; over limit price $5.48 each
  • No Name granola bars – $1.25 each with a limit of 6; over limit is $1.48 each
  • No Name cans of light tuna – $1.00 each – Always good sandwich filler!
  • No Name peanut butter – 2 kg jar – $6.48 each with a limit of 4; over limit price $7.28
  • Old El Paso salsa – large 650 ml size – $2.97 each with a limit of 4; overlimit price $3.48
  • PRODUCE SALES: Orchard Run royal gala apples only $0.97/lb
  • PRODUCE SALES: Acorn, butternut squash, kabocha, buttercup or spaghetti squash only $0.98/lb
  • PRODUCE SALES: Dole Chop Chop salad kits $3.97 each with a limit of 4; overlimit price $4.98 each
  • PRODUCE SALES: Raspberries, 12 oz clamshell – $4.44 each
  • Toilet Paper sale: Charmin ultra soft bathroom tissue – 20 triple rolls (like 60 regular sized rolls of toilet paper) – $13.98 for the first 2. Over limit price is $21.98 each.
  • Unico canned tomatoes, beans, lentils or chickpeas – Such essentials for the pantry! – $1.27 each with a limit of 4; overlimit price $1.68

PC Optimum points on FOOD and DAIRY at Superstore

  • AHA sparkling water (box of 12 cans) OR Coca Cola soft drinks (8×300 ml) – all varieties – 3000 points
  • Astro original yogurt packs of 24 mini yogurts – $7.48 and 1000 points
  • Excel or Wrigley’s gum multipacks – packs of 4 – $2.98 each with a limit of 6 (Over limit pay $3.98 each) 300 points
  • General Mills Cheerios, Yoplait tubes, Minigo yogurt, or Nature Valley granola bars – Get 3000 points back for every $10 you spend
  • Haldiram’s frozen products – Spend $15 and get 3000 points
  • Kellogg’s family sized boxes of cereal – 1000 points
  • Mars or Skittles/Starburts big boxes of candy – 120 or 150 individually wrapped packages of candy in each box – $13.98 each with a limit of 6 (Over limit price of $19.98 each.) 2000 points per box
  • Mars chocolate bars multipacks – packages of 4 regular sized chocolate bars – $2.98 each and 300 bonus points
  • Mars or M&M’s pouches – such as bags of M&Ms or Maltesers. $3.48 each and 500 bonus points
  • No Name coffee pods – package of 30 pods – $10.98 each with a limit of 4; over limit price $13.98 – 1000 points
  • No Name medium roast ground coffee – 925 gram size tins – $6.98 – 1000 points
  • Oikos Greek yogurt tubs, or Danone Activia multipacks yogurt, or Light and Free yogurt – $4.48 each and get 500 bonus points
  • Quaker chewy granola bars – Club size pack – $10.98 each – 1500 points
  • Robin Hood all purpose flour – 10 kg bags – $10.98 with a limit of 4; over limit price $12.98 – 2000 points
  • Rubicon juice – 1 liter boxes – $1.88 with a limit of 4; over limit price $2.78 each – 200 points
  • SunRype Fruit to Go or Fruit Source (large jumbo sized boxes) $17.48 each with a limit of 4; over limit price $19.98 – 3500 points
  • Suraj dried peas, beans or lentils – 1.8 kg bag – $3.47 and get 500 points (This is a great bargain!)

Also look for a special coupon in-store at Superstore this week: Buy 1 Schneiders smoked sausages or wieners (375 grams to 900 grams size) and Get 1 Free: Schneiders snack kit or Protein kit

PC Optimum Points and Deals on HEALTH and BEAUTY products

  • Axe body wash, antiperspirant or body spray – 500 points
  • Burt’s Bees products – Get 5000 points for every $25 spent on any Burt’s Bees products! (I loooove Burt’s Bees! So this is an awesome offer.)
  • Colgate oral care products: such as Colgate toothpaste, mouthwash or toothbrushes. Get 4000 points on every $10 spent.
  • Colgate super premium toothpaste, toothbrushes or mouthwash – $3.98 each – 800 points each
  • Nicorette gum, lozenges or quick mist inhalers – $29.98 each with a limit of 4; over limit price is $34.98 each. 2000 points
  • St. Ives or Vaseline products – body lotions, etc – Get 4000 points back for every $10 you spend on these brands of products

PC Optimum Points and Deals on HOUSEHOLD AND CLEANING

  • Glad garbage bags – selected varieties 20-52 in a box – $4.98 each and 500 points
  • Persil liquid detergent (4.43 liter bottles) OR Persil discs (62 in a pack) OR Sunlight advanced liquid detergent – $17.98 each – 2000 points
  • Purex liquid laundry detergent OR Snuggle liquid fabric softener OR Supercare $4.98 each limit of 2; overlimit price $5.98 each – 1000 points
  • Vileda cleaning supplies – assorted types and varieties – $8.98 each and 1000 points

We did it guys! We found all of the best deals, bargains and bonus offers to be had at Shoppers, Wellwise.ca and Real Canadian superstore this week. I truly hope these posts help you plan your shopping adventures, and saves you some money at the same time!

This post contains affiliate links. This means we may earn a small commission on sales made via these links at no extra cost to you. Thanks.

Amazon Coupons this week – Save on blue light glasses, Homasy humidifiers, Folgers Kcups, Nutella and more!

We all know that Amazon Prime days are starting soon! So, if you’re a Prime member, you’ll want to check out all of those incredible deals. But, there are also lots of other Amazon deals going on, including Amazon coupons. Amazon coupons are basically a digital form of coupon – a way to save money on a product, by simply clicking the coupon before you check out of Amazon.

Here are our favourite Amazon coupons this week – on electronics, on home and garden products AND on always necessary food and groceries. Yay for food coupons in Canada!

Amazon coupons for Electronics

Amazon Coupon for Home and Garden items

Amazon Coupons on groceries and food

Amazon even has coupons running right now for groceries and food items. And I’m talking popular, stock-up items like peanut butter coupons, Nutella coupons, Carnation Instant breakfast coupons and more! Some of these are excellent items to keep well stocked in your pantry, particularly as COVID cases are on the rise, and some grocery items may become more difficult to get again. Stock up with coupons, folks!

Hopefully some of these coupons will help you save a few dollars when you do your Amazon shopping this week.

This post contains affiliate links. This means we may earn a small commission on any sales made through those links, without any extra cost to you.

New Canada Emergency Rent Subsidy – What is it? (CERS details)

A for rent sign to denote the new Canada Emergency Rent Subsidy program for businesses and organizations.

A few days ago the federal government announced the new Canada Emergency Rent Subsidy to help businesses cover their rent due to the continued financial crisis caused by the COVID-19 pandemic. This was good news to the many businesses struggling to stay afloat. What is this new program?

New Canada Emergency Rent Subsidy (CERS) Replaces CERCA Program

The New Canada Emergency Program (CERS) will replace the old Canada Emergency Commercial Rent Assistance Program (CECRA) which ended on September 26, 2020. The biggest change between the two programs was that under the old CECRA program the commercial landlords had to apply for the program for businesses that needed rent relief. And they were under no obligation to apply, often leaving tenants in a very difficult situation.

However, under the New Canada Emergency Rent Subsidy Program, the government will now directly help the businesses and organizations who need relief. This means that businesses can apply to the program themselves and no longer need their landlords to apply. So what are the details of the program?

Details of Canada Emergency Rent Subsidy Program (CERS)

The program so far is thin on details and even on the government’s website it says that more information will be coming soon. But from the government’s news release on October 9, 2020 and other reports, here’s what has been shared so far.  The new rent subsidy will support businesses, charities and non-profits that have suffered revenue drops by subsidizing a percentage of their expenses on a sliding scale, up to a maximum of 65 per cent of eligible expenses. This will last until December 19, 2020.

In addition to the rent subsidy, there will be a top-up of 25 percent available for organizations that have been temporarily shut down by a mandatory public health order.

When Will it Start? Conclusion – CERS for Business owners

There was no indication of when businesses and organizations can apply for this new program. However, when it does finally start, applicants can apply for their subsidy to start retroactively as of September 27, 2020. Once the government announces when people can apply, we will provide an update.

The new wage subsidy program is a potential relief for businesses and organizations that are struggling to survive during these unprecedented times. Hopefully, more details will become available shortly as the situation is dire for many businesses. And with COVID-19 cases on the rise again, the financial future seems more uncertain than ever. Stay safe.

When Will New COVID-19 Recovery Benefits Start? (CRB, CRSB, CRCB)

Photo to highlight when will new covid-19 benefits start.

When will new COVID-19 recovery benefits start? The government announced this week that Canadians can start applying for two of the new recovery benefits as of October 5, 2020. The two new recovery benefits are the Canada Recovery Sickness Benefit (CRSB) and the Canada Recovery Caregiving Benefit (CRCB). The third new recovery benefit, the Canada Recovery benefit will start as of October 12, 2020. These three benefits and the new EI benefits replace the Canada Emergency Response Benefits that Canadians were receiving due to the COVID-19 pandemic.

When Will New COVID-19 Recovery Benefits Start? A Quick Summary of New Benefits

Here’s a quick summary of the three new benefits from the government of Canada’s website below:

Canada Recovery Sickness Benefit (CRSB)

The Canada Recovery Sickness Benefit (CRSB) will provide $500 per week (taxable, tax deducted at source) for up to a maximum of two weeks, for workers who are unable to work for at least 50% of the week because they contracted COVID-19, self-isolated for reasons related to COVID-19, or have underlying conditions, are undergoing treatments or have contracted other sicknesses that, in the opinion of a medical practitioner, nurse practitioner, person in authority, government or public health authority, would make them more susceptible to COVID-19. This benefit will be paid in one-week periods.

Canada Recovery Caregiving Benefit (CRCB)

The Canada Recovery Caregiving Benefit (CRCB) will provide $500 per week (taxable, tax deducted at source) for up to 26 weeks per household for workers unable to work for at least 50% of the week because they must care for a child under the age of 12 or family member because schools, day-cares or care facilities are closed due to COVID-19, or because the child or family member is sick and/or required to quarantine or is at high risk of serious health implications because of COVID-19. This benefit will be paid in one-week periods.

Canada Recovery Benefit (CRB)

The Canada Recovery Benefit will provide eligible workers with $500 per week (taxable, tax deducted at source) for up to 26 weeks for those who have stopped working and who are not eligible for EI, or had their employment/self-employment income reduced by at least 50% due to COVID-19. This benefit will be paid in two-week periods.

Conclusion

When will the new COVID-19 recovery benefits start? Both the Canada Recovery Sickness Benefit (CRSB) and the Canada Recovery Caregiving Benefit (CRCB) start as of October 5, 2020. The Canada Recovery Benefit (CRB) will start as of October 12, 2020. Hopefully these new benefits will provide further help to Canadians who are struggling due to the pandemic. Only time will tell. Stay safe everyone.

Amazon Deals: Only $5.99 for a Wilton nonstick cookie cooling rack – Bakeware sales, baking essentials

I love Wilton products. They make excellent bakeware and all sorts of supplies for cooking. $5.99 for a nonstick cooling rack is a truly good deal. (If you watch the prices at Amazon, you’ll see that this cooling rack/tray can go as high as $15.00!)

If you’re in the market for new cooling racks, then this is the time to stock up on a couple. These are excellent for cooling off baked goods as soon as they get out of the oven. Items like cupcakes, cookies, and cakes all need to cool off out of the pan once they’ve been baked. The nonstick finish means items won’t stick to the rack.


Wilton Cookie Rack – currently only $5.99!

Gift Alert: Items like these cookie cooling racks always make excellent gifts for a friend who loves to bake! When you’re baking big batches of cookies or muffins, it seems like you never have enough cooling racks to go around. 🙂 Ahhh…now I’m thinking of cookies and muffins.

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5 Tips to keep Cut Flowers Fresh Longer – Frugal tips and hints

A beautiful bouquet of flowers is a real treat! It brightens your home, and adds a lovely splash of the outdoors into your indoor space. You don’t need a special occasion to splurge on flowers, since they are a real pick-me-up any time of year. And those beautiful blooms are especially appreciated once the garden is finished for the year – which here in Canada comes quite quickly! So, how do you make beautiful fresh cut flowers last even longer? You know that here at BargainBlog we’re about making every Canadian nickel stretch further…so here are our best tips for flowers! And look at the end of the article for our favourite tip on finding cut flowers for 50% off!

1. Spray them lightly with water

Mist them – That’s right! Simply use a spray bottle set on a fine mist setting, and spray the flowers with water morning and night. We were recently watching an old episode of Escape to the Country (Find it for free on YouTube – it is one of our favourite shows!) and a flower arranging expert said that this was his best tip! Just be sure to use a bottle that hasn’t had any chemicals in it before, or if it did, be sure to wash it out very thoroughly with hot water and dish soap. Fill with cool tap water (filtered water would be even better) and spray those blossoms and blooms every morning and night. The floral expert said it could help make your floral bouquets last up to five days longer! Wow!

2. Cut flower stems properly

I think most people who love flowers will have learned this a long time ago. But, if you’re new to buying flower bouquets, you might not know. Trimming the stems of flowers and other greenery that comes with the flowers will help it to stay fresh and beautiful a lot longer! Use a sharp pair of kitchen shears or scissors. Cut off an inch or two from the bottom of the stem, and cut at a 45 degree angle. Rather than cutting straight across (a 90 degree angle), the 45 degree angle allows exposes more surface area of the bottom of the stem. Exposed to what? The water of course! And if your flowers are able to drink in more water, they’ll simply last longer.

3. Use the flower food enclosed in the bouquet

If you bought your bunch of flowers from a florist, then it’ll often have a little packet of flower food enclosed within the folds of wrapping paper. Use it! People sometimes ask: ‘Does that flower food really work?’ Yes, it does! Simply sprinkle the packet of flower food into the water in the vase before adding your flowers.

Do you wonder what’s actually IN that flower food? Interestingly, the packets usually contain a combination of sugar, an acidic component, and bleach in a powdered form – all ingredients that will help your flowers look their best.

4. Add Fresh Water – AKA Change the water

People often forget that – just like our pets – flowers really enjoy a slurp of fresh water, rather than a stale, days-old drink! With that in mind, you can change the water your flowers are sitting in. (Also be sure to pluck off any greenery, such as leaves, that are below the water level. It can cause mold to grow!) Cool tap water or filtered water is ideal. You can change the water daily, if possible, or at least every couple of days.

5. Refrigerate your flowers

Florists use this tip constantly – that’s why their beautiful creations and luxurious bouquets are stored behind glass in a refrigerator. You can do the same at home! Granted, you’ll need a rather large fridge to pull this off. (We do not have this! haha Our fridge would be swamped if we put a bouquet of flowers in it.) If you have a monster sized fridge, then simply pop your bouquet of cut flowers in the fridge at night. It’ll keep the flowers fresh and lovely a lot longer. Then when you wake up in the morning, display them as you had them before. Voila!

We hope these fun tips have helped inspire you to keep those lovely blossoms fresh and beautiful for longer. When you spend the money on a nice bouquet of flowers, then you really do want them to last! If you have other tips on extending the life of cut flowers, please let us know.

Find Cut Flowers and Bouquets at 50% off

P.S. Bargain Finders Tip: I’ve often found stunning flowers at the supermarket marked down at 50% or more! So, if you want to treat yourself to some flowers around your home, check the floral department at your favourite grocery store. You could even ask when the flowers are reduced, and time your grocery shopping trips to match the markdowns. Yes! Floral beauty at a much cheaper cost.