Gas Rewards Programs Compared

Almost everyone needs to buy gas and I suspect most Canadians have participated in a rewards program affiliated with their favourite brand. But, are these rewards actually worthwhile? Are you getting a half decent return on your spending and, more importantly, do these rewards deserve your precious loyalty? In fact, some of these programs DO […]

Bing Rewards $5 Amazon Gift Card Sign Up Bonus

This week’s Free Money Friday is an old favorite! Bing Rewards has temporarily increased their sign up bonus to 550 credits! The timing is perfect since you can redeem your 550 bonus credits for a $5 Amazon Gift Card. It’s quick and easy and you can have five accounts per household. Since we have five [...]

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Aeroplan Promo, Estate Planning, Saving on Travel, Lessons from Elders and more!

For Aeroplan fans, TD Infinite Visa has an enticing limited time promotion (expires December 19, 2014): Current offer: Welcome Bonus of 15,000 Aeroplan Miles with your first purchase and an additional 10,000 miles when you spend $1,000 on your Card within the first 90 days (enough for a free flight in North America). Plus, no […]

How Much is Your Caffeine Costing You?

According to the FDA (PDF), “During this time, the average amount of caffeine consumed has remained constant at approximately 300 milligrams (mg) per person per day.” Thus the average person has 109,500mg of caffeine a year. How much does that cost? Glad you asked. I’ve got your answer. Before we get to that though, I’d […]

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CashCrate Cashback and Sign Up Bonus

Our holiday cash back series continues with Cash Crate. Cash Crate is a cashback site with a twist. In addition to earning cash back you can also earn money trying new products and taking research surveys! Right now, they’re offering a $1 sign up bonus. A dollar is hardly worth actually calling a sign up [...]

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2015 Roth 401k Limits Will Increase, Roth IRA Limits Will Not

The 2015 Roth IRA limits and Roth 401k contribution limits were just announced, so you can start planning your contributions. The 2015 limits will stay the same for the Roth IRA; the Roth 401k limits will increase. The 401k limits and IRA limits are determined based on inflation, but can only increase in $500 increments. [...]

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How Much is Your Coffee Costing You? (Maybe 1/3 of Million Dollars!)

The last couple of days, I’ve been covering the cost of coffee. We covered the brewing coffee at home vs. buying at a coffee shop and the cost of single-serve (K-Cups) at home. Overall, I came away with four data points on four types of coffee (each normalized to 16 ounces). Here they are: At […]

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Cost of Single-Serve Coffee (K-Cups) at Home

Yesterday, I covered the cost of brewing coffee at home vs. buying at a coffee shop. I was a little surprised to learn that the savings was around $1.17 a day… $1.75 vs. $0.58 for 16 ounces. (Note: many assumptions were made to get to that number.) While that savings can add up over time, […]

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7 Cheap Holiday Gifts for College Students on Your List

The holiday gift guide series is in full swing this week. Have you noticed the holiday decor starting to fill the stores? This week we are highlighting inexpensive gift ideas for students! College is such a fun, interesting time. It’s a transition period between living with your parents, and fully living on your own. And [...]

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How to Avoid Double Closing When Buying a House and Selling Another

If you’ve ever been involved in a real estate transaction before, you’re probably familiar with the term double closing. That’s an arrangement where you buy a new home on the very same day that you sell your old one. In a perfect world, you close on your old house in the morning, and then on the […]

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Brewing Coffee at Home vs. Buying at a Coffee Shop

When I went to the best financial conference ever a few months ago, Vanguard had a booth. They were giving away coffee and reusable carafes (not sure what they are called, but you can see them in the picture). Vanguard’s coffee marketing pitch was simple. The average coffee costs $1.48 and they can make it […]

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6 Financial Tips from Downsized You Should Try Today

I posted an article on 10 TV Shows to Watch To Save Money on specific shows that seem to offer financial advice or other money saving tips. One of the shows I wrote about was Downsized, a reality show that featured a large blended family that is struggling financially. The family was quite comfortable financially [...]

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Net Worth Update November 2014 – Sean Cooper (+5.21%)

Welcome to the Million Dollar Journey November 2014 Net Worth Update – Team MDJ edition. A select group of readers were selected to be part of Team MDJ which was conceived after the million dollar net worth milestone was achieved in June 2014. Sean Cooper was selected as a team member and will post net […]

Amazon Free $10 Promo Code

It’s back! One of the most popular Free Money Friday offers from last month is available again. But you’ll have to ask fast… the offer ends today! Amazon is giving out free $10 promo codes when you buy an Amazon Gift Card for someone. The offer is targeted, so you’ll have to see if you [...]

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Is Beachbody a Scam?

Happy Halloween everyone. I’ve got a tale of a scary MLM to share. It’s my first attempt using a new writing tool, Scrivener and a new writing shorthand called Markdown. Normally, I’d put more time into proofreading the article and formatting, but having spent dozens of hours on it as it is, I need to […]

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Coke and Free WiFi

Recently, Coke announced that they will begin offering free WiFi to some rural villages in South Africa.  The internet acess will be provided by a Coke machine.  Depending on the success of the program, they may expand the program to other locations in Africa and beyond. This struck me as an interesting idea.  Naturally, I […]

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Coke and Free WiFi

Recently, Coke announced that they will begin offering free WiFi to some rural villages in South Africa.  The internet acess will be provided by a Coke machine.  Depending on the success of the program, they may expand the program to other locations in Africa and beyond. This struck me as an interesting idea.  Naturally, I […]

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Mr. Rebates Cashback and $5 Sign Up Bonus

We’re continuing our holiday cash back series with another great program, Mr. Rebates. Cash back sites are especially lucrative around the holidays if you do any online shopping. Mr. Rebates is one of my favorite cash back sites. I love that they keep a “Lifetime Account Balance at Mr. Rebates” to see your running total. [...]

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This Month’s Most Popular Finance Tips: October

This month our favorite finance discussion topics were ways to make extra money in your spare time, even more ways to earn money, becoming a millionaire, an overview of your financial pie chart, ways to cut costs, including saving money on haircare, earning cashback with the new Target Prepaid Red Card, and things you should [...]

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12 Inexpensive Christmas Gifts Under $20

Our holiday gift guide series continues with inexpensive gift ideas. Most of these versatile gifts will work for various people on your list. Are you looking for inexpensive Christmas gifts for Secret Santa gift exchanges this year? Perhaps you have a long list of friends and family members you want to get great gifts for, [...]

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Are Stock Buy Backs Ficticious Growth?

Several months back, I wrote about how I was investing in IBM mostly because I think Watson is going to be huge. It was a pretty good investment for awhile. I was up 10% and everything was puppies and rainbows. Last week, the investment took a dive. IBM earnings were not what Wall Street expected […]

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How it’s Never Too Late to Start Saving for Retirement

People who haven’t saved money for retirement often avoid even starting out of fear that their efforts now will be too little and too late to make a difference. In truth, it’s never too late to start saving for retirement. Even if the money you save will be inadequate to provide a full retirement, it still […]

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18 Lessons and Thoughts about Buying Solar Panels

Over the last few weeks, I’ve written a lot of articles about our move to solar power. While you can read them all here, I feel like I need some kind of summary. In each step of the process, I learned something new. Very often I learned it from commenters, who really stepped to the […]

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6 Ways to Make Money Organizing Your Clutter

After working all week, sometimes the last thing I feel like doing is cleaning. I’d rather be going out to do something fun. That is until I realized that cleaning and organizing can actually earn me money and stop me from spending more. And making more money equals a chance to have more fun. Cleaning [...]

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How Much Does Electricity Usage Cost?

Winter is approaching which means the refreshing crispness in the air will lead to higher heating costs.   For the most part, modern houses built in Newfoundland use electricity for heat, whereas places like Toronto, use natural gas.  Even if you don’t use electric based heat, you likely use electricity for your washer/dryer, dishwasher, refrigerator, […]

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