Maplemoney.com All Coupons

Pay Off Student Loans Or Save

Offer Details: My approach to paying off student loans was to make the minimum monthly payments initially and then increase the payment each year as our finances improved. We each had two loans (Federal and Provincial), and when one of the loans got within striking distance ($2,000 or less), I took some of our savings to pay it off, and then applied the freed

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Get rid of debt once and for all

Offer Details: You should always pay off your debt with the highest interest rate first. If you have a bank loan at 10%, a credit card at 15% and a car loan at 12% – you should pay off the credit card first, then the car loan, then the bank loan. If there are no interest rates involved, such as a loan from a family member or friend, pay off the smallest

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My Best Financial Tip: Pay Off Debt

Offer Details: My Best Financial Tip: Pay Off Debt. If you want to get your financial house in order, the best thing you can do is pay off debt. Paying off debt can lead to financial freedom, and free you up to build wealth. I realized this once we paid off all our consumer debt, it really made a difference in our monthly budgeting now that there was some

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How to Make the Most of Your Disney World Vacation

Offer Details: The choice to stay on or off the resort will depend on the type of Disney experience you’re after. If the decision is purely economical, you will save money by staying off the resort, either in an affordable hotel or better yet, by renting a vacation home. But if your family is looking for a full onsite experience, a Disney Resort will give

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What options do you have for home loans

Offer Details: It’s a trade-off between more liquidity and flexibility now, or getting the loan paid off earlier (for less). Getting the best interest rate on home loans. You might also want to consider how you can get the best interest rate on your home loan. A good interest rate can make a big difference. Even a 1 percent difference in interest rate can

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Understanding CPP Payment Dates for 2021

Offer Details: By 2023, the total contribution will rise to 11.90%, before leveling off. Yearly Maximum Pensionable Earnings (YMPE) The Yearly Maximum Pensionable Earnings amount is a key figure in calculating CPP contributions. It’s the maximum amount of earnings used to calculate an employees annual CPP contributions. In other words, CPP is not deducted

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How to establish or rebuild your credit worthiness

Offer Details: First of all, if you have accounts on your credit history that are in bad standing, getting them paid off and closing the account as soon as possible is a good idea. Your credit file will purge the account 6 years after the date of the last activity. The sooner you get it dealt with, the sooner the clock can start on it disappearing from your

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Avoid Buying These 9 Items at Costco

Offer Details: You’re better going off to Walmart or Target for these items. They are almost always on sale, and from what I’ve noticed, even the regular prices are cheaper at these stores than at Costco. So watch for sales, and that’s when you’ll get some great deals. 2. Cereal

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Live to Work or Work to Live: Which Would You Choose

Offer Details: We can either choose to live for our work, where our lifestyle, location, and family must conform to the demands of our job. Or, we can choose to set a way of life, and find an occupation that supports that life. There are some of us who choose our career, or because of our career we have no other option. Others of us don’t really care what

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Should You Work For A Large Corporation Or Small Business

Offer Details: Whenever the government lays people off, they usually do so by attrition, meaning they just simply don’t replace people who quit or retire. The unions are strong, meaning there are plenty of sick and personal days. Or, you could be an entrepreneur. Those people seem to like it. …

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5 Steps to Cash in on the Scanning Code of Practice

Offer Details: 5 Steps to Cash in on the Scanning Code of Practice. 1. Slow Down. As you place items into your grocery cart, slow down long enough to check shelf prices (use a notebook if needed). You may not be used to watching product prices regularly, but it is an important money-saving habit, and might pay off at the checkout. 2.

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How to Apply for CPP: What You Need to Know

Offer Details: The Canada Pension Plan (CPP) is a guaranteed retirement pension administered by the Government of Canada. It provides Canadians with a monthly pension for life, based on how much they contributed to the plan during their working years. To apply for the CPP, you must be at least 60 years old, and have made at least one valid CPP contribution during your working years.

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One Teacher’s Best Teacher Gift Ideas

Offer Details: With a digital download, you can print it off at home or take it to your local print shop for the best quality. Pick up a unique frame and your local secondhand store, and this gift is ready for the walls of any school classroom. Personal Laminator.

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Use Accelerated Bi-Weekly Mortgage Payments to Eliminate

Offer Details: The sooner you pay off your mortgage, the more money you save. As an example, if you have a $200,000 mortgage for 25 years @ 5%, you would pay $148,963 in interest over that time period. By switching to an accelerated bi-weekly mortgage payment you would pay $124,095 in interest and will have the mortgage paid off in 22 years.

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11 Must-Try Ideas for First Day of School Pictures

Offer Details: 11 Must-Try Ideas for First Day of School Pictures. First day of school pictures mark a significant milestone. Fresh haircuts, squeaky clean running shoes and new outfits. It is a time when I wish I could press pause and savour the moment.

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Fixed Rate vs Variable Rate Mortgages: Which Should You

Offer Details: Fixed rates are usually higher than variable rates, with the higher rate trade-off being cost certainty. Fixed-rate borrowers are willing to pay a premium to lock in their rate for a specific time period. Banks price fixed rates higher than variable rates because they present more risk to the mortgage lender due to the rate commitment made to

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Top 15 Ways to Save Money on Heating Your House

Offer Details: If you’re already layered up in warm clothing and extra blankets, you should be able to turn the heat right down or even off when you go to bed and still keep warm during the night. If you have a programmable heating thermostat, remember to program it to turn off, or down at night so you don’t have to worry about remembering. 11.

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Mortgage Amortization Period vs Mortgage Term: What’s the

Offer Details: During the five-year term, your lender would penalize you if you decided to pay off the mortgage in full or beyond any prepayment privileges you are allowed. Hence the term, ‘closed’ mortgage. You can also choose an open mortgage term, which usually means that the borrower has the option to make prepayments up to 100% of the mortgage amount

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A Line of Credit, A Car Loan, and More Lies

Offer Details: Right off the bat, he told us that we could either get a line of credit or a car loan. Each has their positives and negatives. A line of credit is revolving, meaning that we pay for whatever we use, we only have to pay on the interest, and we can go back and forth between spending the money and paying it off.

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6 Tips For Using Printable Coupons in Canada

Offer Details: I also had a coupon for $3.00 off. First of all, the regular price tag on the shelf is $4.49 so I just figured they would take off the discount at the till. The thing is, they have their system set up to ring in the first bottle at $2.00 and the second bottle at $1.99 (for a total of $3.99 for two 250ml bottles).

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Keep Line of Credit or Switch to Fixed Rate Mortgage

Offer Details: foolish move. i would have held on the the line of credit at prime – you CANNOT get that rate now!! in Canada, the cheapest line of credit you can get is prime +0.75%, and banks always discourage it because, well, they don’t get as much comission off it. Ask them for the line of credit at that rate again, see what they say 😉

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Do coupons make you spend more money

Offer Details: Sears has a fantastic sale on right now–50% off the clearance price. I got Adidas and Nike shirts for $10, Carter’s jammies for $5. I am headed there again after work tomorrow without the kids!!!! I also shop at Outgrowoutplay, Hot tots, and Multiple birth association sales. These sales sell gently used children’s clothing.

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What Is Bridge Financing

Offer Details: Examples would be moving expenses or paying off other debts, i.e., loans, credit cards. As you can see, you will have $111,125 available from the sale of your home. If required, your bridge loan could be as high as $111,125. Purchase of 456 New Place Drive (Possession Date of May 15th)

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Gas Money: When Is It Appropriate

Offer Details: All in all, gas money is appropriate when you feel like it would be appreciated. Whether they are driving you a long way (like on a road trip), or if they went out of their way to help you (drove to get you, and then drove you right back to where they were), or if this is the third ride in two days that you’re getting, gas money shows that

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Do I Consider My Pension In My Asset Allocation

Offer Details: A rather large amount gets deducted from my paycheque every month and gets automatically thrown into a large pool of money (along with my employer’s – the government’s – contribution) that is handled by a third party. I have no input into how much gets taken off or …

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The Complete Guide To Senior Discounts in Canada

Offer Details: I bought a sunshelter at the Rona store Fleetwood (Surrey B.C.) for $1019 + Tax. It was on a 1 week 15% off regular price $1199. Your discount list says Rona…10% off your purchase any day. My purchase price was $1019. Rona informed me that the 10% was only on the regular price of the item. Nothing about sale items. I’m not happy.

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Does Your Credit Card Interest Rate Matter that Much

Offer Details: Pay off your credit card? Interest rate isn’t as important. On the other hand, if you pay off your credit card each month, the interest rate that you have doesn’t matter as much. If you aren’t carrying a balance, it doesn’t matter how high your interest rate …

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Should You Bother With A Safety Deposit Box

Offer Details: You can do that in house but for added protection storing data off site is a higher level. vivian. Reply. There is definitely a place for Safety Deposit Boxes — for instance, storing a collection of irreplaceable and expensive heirlooms/jewelry which you do not need access to in short-notice situations (e.g. unlike your passport).

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Understanding How Mortgage Amortization Works in Canada

Offer Details: The third and final way to pay your mortgage off faster, and reduce your amortization period, is to increase your regular payment amount. This is something that can be easily programmed by your bank, in fact, many banks allow you to make the change yourself, online. You just need to know how much you are permitted to increase the payment by.

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Coupon: Lingo, Terms, Abbreviations & Acronyms!

Offer Details: B3G1 = Buy Three, Get One Free. C/O = Cents Off Coupon. CFK = Cash For Kids (coupon that donates part of the value to charity) FREE PRODUCT COUPON/FPC = A coupon that allows you to get the product completely free. SS = Smart Source (coupon booklet) Tear-pad = A pad of coupons, usually on the shelf or display, where you tear the coupon off of

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BMO World Elite MasterCard Review: Which Card is Right for

Offer Details: Make sure you pay off your credit card balance each month. Every time you receive a bill, pay it in full. No matter how good your rewards program is, it won’t offset a big interest rate. The BMO credit cards don’t charge a rate that’s out of the ordinary by Canadian standards, but it’s still more interest than you probably want to pay.

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RRSP Withdrawal to Pay Off Debt

Offer Details: If you pay off your credit card balances, make a pledge to never carry a balance again. If you can’t pay it off in full, don’t buy it. If you pay off your mortgage, promise yourself that you will use at least a good portion of the money that went to your mortgage payment to boost your savings. If you don’t trust yourself and/or your

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How to Maximize Rewards and Save Money

Offer Details: Once you have paid off your balance, only use your credit card to purchase your current month’s budget for food, gas, miscellaneous items, and then pay it off right away or at the end of the month. Once you have that under control, maybe look into the Smart Cash MasterCard that pays you 3% cash back on your first $600 spent on groceries and gas.

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Contribute to RRSP or Pay Down Mortgage

Offer Details: On of the arguments in favor of funding the RRSP is the potentially higher return. When you pay off your mortgage, you save a bit on taxes, and you save what you would have paid in interest. An RRSP allows you to earn a return at a higher rate. When you pay off your mortgage early, your return is somewhat capped by the low interest rate. So

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Dear Parents of Adult Children

Offer Details: We were lucky to have my parents let us move in for 1.5 years after our first daughter was born. Their own mortgage is paid off (thanks to a previous house sale and inheritance) so we offered to pay for their cable, internet and phone bills (the entertainment bills) plus half the grocery bill.

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A 4-Step Plan For Getting Out of Debt , with Marcus

Offer Details: Nowadays, Marcus uses his experience to help others get out of debt. According to Marcus, debt payoff can be relatively easy, if you are able to follow a few key steps. One of those is to make a budget. Marcus likes using a 50/30/20 budget, which refers to spending 50% of income on needs, 30% on wants, and 20% on savings and paying off debt.

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Walmart Canada Coupon Policy

Offer Details: One was a $1.50 off a $12 bottle of vitamins, other was $1.00 off Sensodyne priced at $4.58. So I handed her the coupons and then she referred to a sheet of paper which she read for awhile and then said no internet coupons are accepted. So did the policy change again? As far as I am concerned Save.ca is a very reputable company, especially

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All About Employment Insurance

Offer Details: You are forced too pay into EI for years and be refused well unless you are laid off or pregnant even the ill get refused at lease you choose to pay home or car insurance. ic dealer. Reply. I ran into an issue with CRA about EI while being self employed (but having worked for over 15 years prior paying into EI). Despite phone conversations

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Individual ETFs, Asset Allocation ETFs, or Robos: Which Is

Offer Details: Kornel Szrejber is the host of the Build Wealth Canada Show, and has been featured in the media for paying off his mortgage while still in his 20s, and becoming one of Canada’s youngest retirees at the age of 32. When you buy an ETF, you can choose an individual fund, a basket of funds, called asset allocation ETFs, or you can deal with a

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How to Invest a Lump Sum of Money

Offer Details: The $4,000/year for ‘management fees’ is a rip-off considering that all they need are laddered GICs. There should be no fee for investing in GICs. They could put 1/5 in a 1-year GIC, 1/5 in a 2-year GIC, etc. etc. and get a very safe place for their money for up to 5 years.

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CPP: The 4 Most Common Questions About the Canada Pension Plan

Offer Details: If Larry passed away, Beth’s CPP would go from $740 per month back to $630 per month but then should would earn a survivors benefit off of Larry’s CPP. The key to determining if Canada Pension Plan sharing is feasible is to look at whether the higher CPP earner is in a higher marginal tax rate than the lower CPP earner.

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20 Ways to Save Money on Your Universal Orlando Resort

Offer Details: 7. Look for Off-Peak Time to Travel. With any vacation, you’ll get more bang for your buck when you travel during off-peak times. Check into weekdays, and less popular times of the year. It’s possible to check a crowd calendar to get an idea of when the crowds will be smaller. If you can hit the park early in the day, or go during the week

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Understanding how Blockchains, Cryptocurrencies, and NFTs

Offer Details: Off the top of my head, it was in 2013 or something like that. I’d hear people talking about it. They’d pop into a computer store to get some parts and these guys are buying multiple video cards and talking about mining and how they’re going to get a Bitcoin for $200.

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How Being Laid Off Could Become the Best Thing for your

Offer Details: 1 day ago · The lay-off is what gave me, basically, the boot to go and find these opportunities. They’re always there but I didn’t have a reason to go toward them until I got let go. The coolest part was not the money, it was not the fact that I was able to survive this lay-off, it was the fact that I was getting these emails (and actual hand-written

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