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Tips & Hacks

20 Golden Rules of Credit Cards

credit card tips

If you only read one article to get tips on how to get the most from your credit cards, read this one: 1. Pay down your credit card bill every month Pay down your credit card bill monthly. Don’t just pay the minimum, or you will quickly find yourself with a snowballing mountain of debt that will be hard to ... Read More »

How to Borrow A Lump Sum of Cash at 0%

money transfer credit card

It’s not often banks lend money for free. But there is a strategy that lets you borrow money without paying one red cent in interest – and it’s available to all Canadians. In fact, we’ve seen people borrow up to $90,000 interest free with this technique. So who offers these ridiculously cheap, if not irresponsible loans? Canadian banks charge 7.5% ... Read More »

Secrets To Cheap Gas Prices At Canadian Pumps Revealed!

cheap gas prices

We have a few tricks up our sleeve to help Canadians save a bundle at the pump. Don’t look to Shell, Petro or Esso credit cards to relieve pressure from ever increasing gas prices. You can save far more by combining certain general rewards and cash back credit cards with a gas station’s points program. We’ve crunched the numbers and we’ll ... Read More »

Top 10 Personal Finance Books Of All Time

Top Personal Finance Books

Summer’s coming and what better way for us to populate our reading list than to sprinkle it with some timeless personal finance classics. While each of these books has their own approach to wealth maximization, they will all leave you with strategies to keep more money in your wallet and avoid the pitfalls of wealth destruction. 10. Rich Dad Poor ... Read More »

Hidden Credit Card Perks That Can Save You $100’s

Hidden Credit Card benefits

  Most of us are aware of the risks of using credit cards beyond our means. It’s critical to avoid accumulating debt beyond your ability to repay. However, used responsibly, there are several advantages to using credit cards, over debit or cash, many people simply aren’t aware of when making their purchases. 1. Price Protection (Refund a Price Drop):  Ever ... Read More »

I’m New To Canada – Tips To Build Your Credit History Fast

Establish Credit History and Credit Score in Canada for new immigrants

If you’re one of the 250,000 people who immigrated to Canada this year, welcome! Aside from acclimating yourself to a new country, home, and job, you’ll also quickly realize the benefits of building a credit history with a strong credit score. Whether you’re looking to lease a car, buy a home, get a cell phone, or get a credit card, ... Read More »

5 Tips To Get The Most Out of Your Credit Cards

Canadian credit cards

1. Get the Float There are two ways to play the float game. You can transfer cash from your credit card account to your checking account, called a money transfer. You can then invest that money, and place it in a high yield savings account. If you’d earn a rate of return of 6% (equity investment), and transferred $7,500 from ... Read More »

One Liner Credit Card Tips and Tricks….

credit card tips and tricks

1. Combine bonuses to get a windfall of points TD, CIBC and Amex all issue Aeroplan rewards cards with huge bonuses. Get a card from each and you’re flying just about anywhere. 2.Use your credit card for everything – as a payment card If you pay down your balance every month, use your rewards credit card for everything from schools, ... Read More »

5 Terrifying Credit Card Mistakes That Can Leave You Broke

Canadian credit card mistakes

Credit cards can be your best friend, or your worst enemy. As satisfying as it is to get 5% off at the gas pump, it’s just as painful to pay $45 because you went over your credit limit. Here are 5 credit card mistakes the banks are counting on you making to prime their coffers. Avoid them and you’re ahead ... Read More »