Budget Sense

Tangerine now its own credit card which it brilliantly like to describe as a card that lets you ‘Spave’ (Spending + Saving) . I have been using the Tangerine cash-back Master Card for a few months now and I really like what I see. Based on my usage of the last few months, I will […]

What are the best places or spots to find money in the form of loose change in public? speaking from personal experience, the list of three places below is guaranteed to help you find money the next time you happen to be in one of them. Remember, take it only if the money can’t be […]

The banking industry is changing. It is currently undergoing one of its biggest shifts. The future is all about technology. Your bank’s mobile app is slowly but gradually replacing your visit to your local branch. And as more people become comfortable with banking on their computers and smartphones, there will be less and less need […]

There seems to be so many different creative approaches that people follow in order to pay off their credit card balance. We decided to come up with our own in order to eliminate $6,500 in credit card balance. To begin with, it is not that we weren’t already making payments to reduce and even eliminate our balance. […]

Do you know what TFSA stands for? ‘Tax Free Saving Account’ you say? you got it! But do you know what that means exactly? well most people think they know, when in fact they don’t. Why? the simple inclusion of the letter ‘S’ or the word ‘Savings’ throws people off. People assume and treat TFSAs […]

Charitable donations are just that: it is a way for people to donate from their money to help those in need. That is how it should be treated and not a way to get a tax advantage. However, and having said that, the government does make it possible to get a tax credit in exchange […]

Is it time they renamed ‘New Year’s Resolution’ to ‘January’s Resolution’? Let me explain… Increasingly, less and less people are making any new year’s resolutions. The reason is simple: before January is even over, they will have declared it a failure and just move on without their resolution for the rest of the year. Whether […]

If you have a credit card, chances are you get some form of loyalty rewards for using it. Some get points, others get travel rewardss or airmiles while the latest craze is ‘cash-back’ credit card. Each has a preference and every card has certain advantages, but personally, I use the “Signature RBC Rewards Visa” . […]

The web is full of tips on how to save money on gas and have better fuel efficiency. Some are creative and can save you money while others are useless or we already know about. Here are some of my personal favourites which I apply myself. -Gravity is your friend: why even press on the […]

Nepotism can be bad, as it overlooks talent in favor of hiring and giving preference to those who are related to the people with power. But it can also be good for the environment, especially when family members work for the same company and share the same ride to work.  Nepotism can mean smart commuting. […]