Well, Canada, I’m not sure about the rest of you, but the last few days have really reminded me that summer is over. We’re getting a bit of rain in Vancouver (surprising, right?) and the temperature is starting to drop a little. While I bet we have some more summer weather hiding under those clouds, it is definitely time to start looking at home heating strategies that will save you bucks over the year! Here we go with some smart spender tips that will keep your house warm and your wallet nicely padded: 1. Use it when you need it While the temps are starting to drop, for me, it’s not heater time yet. Just because it’s a lot cooler than it was two weeks ago, doesn’t mean that you need to crank the heater at night. 2. Check your windows, seal the deal Think back and I’m sure you can hear your father saying, ‘I’m not paying to heat the outdoors! Close that window!’ Sorry, Dad! Check for open doors, windows, and cracks in your sealant. A can of caulking is cheap from the hardware store – and can save you a bundle
Kids across the country are back to school – and even if you don’t have a rug rat in the education system, there are some costs that flare up each and every September: extra traffic fines. During the summer months, rules can change near schools and school zones. In the best interest of keeping the kids safe, speed limits are lowered, no parking/stopping rules are in effect and more people are out on the road (particularly at the start and end of school days!). The speed limit in school zones is 30km/hour from 8am to 5pm. This isn’t a place where ‘a little extra speed is ok’. Police are quick to ticket – so skip the expense and stay under 30! Keep yourself and the kids safe by observing posted school zone signs, watching out for busses (and their flashing lights) and excitedly crossing children. As you’re driving your kids to school and dropping them off, remember that there can be severe restrictions on U-turns and stopping in certain areas of school zones. Keep the schools (and your wallets) happy by observing the rules, leaving with enough time to get there easily and keeping your eyes peeled.
The Smart Spending Blog at Mogo is your home for the best in personal finance strategies on saving, spending, budgeting and deals. We get a lot of questions on budgets, the best ways to do them, and the easiest steps towards financial success. Here are some of the most popular budgeting posts – including some that have saved our readers hundreds, and even thousands, of dollars! Dig deeper into each article and see why Mogo is here to save you bucks, and how we can help you do it! 1. Cash in hand budgeting Learn how you can save money by only using cold, hard cash. Ditch the fancy budgeting software and tough strategies – and look at how we recommend dealing with weekly and monthly budgets where cash is king. 2. Skip budgeting software, and crowd-source it Want another great tip for mostly-cash budgeting? Add the extra step of family involvement. Share financial goals and money-limits with the entire family. It’s a great way to get everyone on the same financial page – and definitely helps with weekly budgets and spending limits. 3. Getting ahead of the game Start saving now to make expensive times of the year much, much easier.
It’s time to get serious about back to school shopping. Sending the kids out there is a big responsibility, and an essential part of 18-years (or more!) worth of Septembers. Here is something to try this year that will make next year much, much easier. We’re all about planning for the future and making sure your money works hard for you. At the same time, we want to make sure you’re doing as little as possible – it’s human nature, we want to save on work as much as we want to save on spending. Try bulking up on the essentials for back-to-school. We’re not saying build an Office Depot in your basement or garage, but find out what you always need to pick up for the year and double up on the order. Things like binders, lined paper, pencils, pens and basic art supplies aren’t going to go bad – and are going to be standard issue school supplies for the rest of time (until we’re all taught by robots, typing on tablets). Buying in bulk gives you more purchasing power and takes an incredibly small amount of time – especially when you compare picking
Here is a great piece of budgeting software that will (positively) impact your financial life. What is it? Mint.com/Canada is a safe and secure way to monitor your spending, savings, debt and properties. It’s intuitive system lets you look at your finances from every angle. Set goals, budgets and more – and even receive email telling you when you’ve met goals, or are running low on funds. Mint talks to you in simple language, that makes for an easy, honest look at your money. Best of all – this is totally free. Is it safe? Mint has been available to Canadians since early 2011 – with over 30,000 Canadians taking the financial plunge in the first month of availability. Mint has ringing endorsements from The Globe and Mail, The National Post, TheStar.com and Money.com – and now Mogo. With Verisign, McAfee SECURE and TRUSTe certification, this site adheres to the tough standards of online banks and government informational security concerns. How can I use it? We always like to tell you that the biggest part of the financial battle is knowing what you have and knowing what you owe. We really suggest getting a (totally free) account