Parents tell son he will create credit card debt with rewards cards

CREDIT CARD BUDGET SAVINGS   I talk about credit card debt on CBB once in a while and I also talk about how credit cards can easily be your friend if you use them properly. Many people use credit cards today rather than carrying cash with them. It’s simple to tap, swipe or insert and enter a pin to pay for a purchase and in most cases it gets you through the checkout faster. We carry credit cards because of ease of use and of course there are perks to using Canadian Credit Cards if you use them wisely. Credit cards have helped many people get back on their feet because they knew money was on the way. One friend of ours was in between jobs and used the credit card to get grocery rewards which helped them to buy more groceries for the family every month. One of our current rewards cards the SDM Optimum has almost 500,000 rewards points which is equal to about $1000 worth of free product. We don’t own the Optimum credit card but if you did you could get even more Optimum points faster.   Credit card debt   How to pay off credit […]

Starting Our Frugal Garden From Seed

Gardening for some is a passion and for others just another chore. For me, enjoyment of watching something grow, mature and flower is fascinating. Plants don’t all have to be about huge flowers, they can be the focus or the backdrop or just plain useful. Every year we grow our own food in the garden, though I’ll be the first to admit we couldn’t live off the land we have, it’s more of a novelty thing. There are advantages other than cost to growing your own, the flavours are far superior and the knowledge that you didn’t spray everything in sight with chemicals. I can remember when I was growing up in England that quite a lot of people had apple trees in their back gardens the obligatory rhubarb patch as well as a sprinkling of gooseberry bushes, damson trees and in rough open space you could find blackberries by the thousand. Coming home from school at a young age we would often scoff free damsons off some old ladies tree. I do believe it was called “scrumping”, though that term is more synonymous with stealing apples off a tree. I’m sure growing up in an area that was dominated by old Victorian houses helped as it provided […]

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