Because everyone deserves a good deal. Eh?
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:
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!
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:
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.
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!
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!
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.
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.
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!
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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.
These fears can be summed up in three areas:
In a word, no. Online banking has come along way and here are three reasons why these fears are unfounded:
Here are two benefits below:
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?
You Might Also Like: https://bargainblog.ca/should-i-open-a-tfsa-today/
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?
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.”
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.
Here’s some details from Government of Canada website:
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.
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.
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!
You can have a wide range of investments inside of a TFSA such as:
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.
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.
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!
Regularly $245.00 – Now only $141.75
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…