Why I Love the Shoppers Optimum Program

It feels like every single store in the universe has some sort of rewards program they offer, and if you’re anything like me, your wallet is loaded down with all kinds of cards. At least now lots of places have apps, so it’s your phone that gets loaded instead of your wallet (much easier to carry). Of all these programs, though, one of the longest running and most rewarding is the Shoppers Drug Mart Optimum program. I’ve been collecting Optimum points for years and years and have received hundreds (probably even thousands) of dollars of free stuff […]

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10 Tips for a Money Savvy Christmas

How to do Christmas on a Budget

Christmas is fast approaching, and I don’t know about you guys, but I’m thinking ahead and getting started on my planning. We are hosting this year which means there are more things to prep for so I’m hoping to get most of my shopping done early so I can worry about other things at the last minute. How about all of you? Do you know what you’re doing for Christmas and has anyone started their shopping? As much fun as Christmas is, it can also be a real drain on your savings so today I’ve got a […]

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So, Those New Mortgage Rules?

Canadian Mortgage Rules

There’s been a whole lot of chatter going on about the new mortgage rules instituted here in Canada, and I’ve finally had a chance to put pen to paper (fingers to keyboard more accurate I guess) and share my thoughts with you guys. The Stress Test Ok, let’s start with the most controversial change. The stress test comes into play for anyone who is getting an insured mortgage. What exactly is an insured mortgage you ask? It is when you are putting down less than 20% down and have to get the extra CMHC insurance. If you […]

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Home Buying Series – Closing Costs

How much will the closing costs be on your first home?

Here we go, the last post in my Home Buying Series! If you have missed any of the previous posts, you can find links to all of them at the bottom of this page. Today we’re talking about closing costs…the worst! Those pesky administration fees that will cost you a pretty penny. So how much money are we actually talking? On average, closing costs will end up being between 2% and 4% of the purchase price of your new home. If you buy a $400,000 house, you could end up with closing costs as much as $16,000. […]

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The Dreaded Raise Question

7 Steps to Successfully Ask for a Raise

โ€œWomen asking for raises should not only know their value, but they should ask with the confidence that theyโ€™re helping the company to be successful.โ€ย  Senator Kirsten Gillibrand It’s just a few more weeks until I hit my one year mark (how did that happen so fast!) with my no longer new job which means it’s almost annual review time. That dreaded moment in employment where you sit face to face with your boss and look back on all the moments you’ve excelled and also (hopefully very few) moments you’ve sucked. Annual review time also tends to […]

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Home Buying Series: House Hunting

We’ve spent the last few weeks talking about the process of buying your first home and today we finally get to the fun part. If you want to check out the previous four posts in the series all the links are at the bottom of this page. You’ve made the decision to buy a house and have your down payment saved up and have pre-approval for a mortgage so now it’s time to find the house of your dreams…or maybe the more realistic house for the current moment. Remember, very few people buy their dream home right […]

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Home Buying Series: Mortgage Pre-Approval

Make sure you get pre-approved for a mortgage before house hunting.

If you’ve been keeping up with my Home Buying Series over the past few Mondays, you’ll already know if you’re ready to buy, how to save a healthy down payment and how to take advantage of the homebuyer’s plan (HBP). Once you have your down payment saved up and you know where exactly the money is coming from you are just about ready for the fun part (bring on the house hunting), but there’s one last step you want to take to ensure everything goes smoothing….getting pre-approved for a mortgage. Why exactly do you need to get […]

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