Would you upgrade your credit card for free?: PF Friday Grab a brew #56

chocolate Oreo Sprinkle donuts

LET THE ANSWER MACHINE GET IT   If you want to upgrade your credit card for free most likely you will do it on your own by contacting credit card companies to see what they are offering. Other times they are contacting you whether over the phone, through email or your post box. I’ve always said there are some great credit cards with perks out there but you need to shop around to find what’s best for you. Like many Canadians we have call display and conveniently with a Rogers TV package perk it also shows up on our television when the phone rings the number that’s dialing in. I’m pretty sure many of you are going to say that you do the same as us and simply say, “let the answer machine get it” especially if you don’t know the number or if it’s that dreaded Air Duct Cleaning company and you have the number burned in your mind because they call so many times. Sure we’ve put our number on the Canada Do Not Call List and it does work for the most part until they decide to switch phone numbers and the calls start all over again. […]

The Saturday Weekend Review #42: Don’t cancel that cable subscription just yet

my personal finance journey

                                                                                                                                   The Mass Debate Surrounding The TV   The run up to and the day of the Speech from the Throne was surrounded by the controversial subject of single channel subscription rather than getting multiple channels bundled together. According to recent sources there is a growing trend towards free to air TV which is received through the more traditional aerial on the roof. A large proportion of TV in the UK is broadcast by either traditional aerial reception called terrestrial TV or satellite via the main provider that is BSkyB. Cable does exist and is available to a large portion of homes but is not that popular. There are 50+ free to watch channels in the UK with quite a number in HD through a digital set top box and if you get a Free Sat (Satellite) box there’s even more free television. TV channels already generate enough cash flow from advertisements so why pay again to watch them? Both the free to watch boxes available in the UK cost money up front plus you pay a TV licence every 12 months but it’s still far cheaper for a far superior service than what the average Canadian receives. One of […]

PF Weekly Grab a brew #41: Can you survive without a cell phone for just one night?

pumpkin spice cappuccino muffins

Disconnect For A Day And Live A Little Should you have a plan b just in case your cell phone provider goes down? Yes, we should have “disconnect for a day” as a national holiday in Canada where everyone puts technology away and just lives a little like we used to back in the 80’s and early 90’s. Only problem is you don’t get paid for it like you might a holiday from work, you just do it. Think about life back then if you were around (showing my age here) and what you did, how you lived it and how life has changed from then to now. Don’t you ever wish you could just go back to the simple life? I know you may say we have to get on with the times and I agree but I also believe that sometimes we miss the small things that are pushing the envelope today like the cell phone. We had no need for them back then like we do today, so why the big change and dependency? Last week on Grab a Brew #40 I brought up the topic about whether or not we are dependent on the internet and […]

Haggling the Best Deal with your Communications Company

Do you call your cable company annually to negotiate a better deal? If not, read this post to learn how you can save yourself and your family money each year with a simple call. Haggling with your communications company may seem like a pain in the back side but with high competition for services it’s worth the time it takes to talk to a customer retention agent. Every year I shake my head when I do the yearly round-up of our expenditures with Rogers Cable. I must admit that I have lowered these costs over the years but am looking to downsize them. Sure I have some of the best Rogers retention plans going but sometimes they make it difficult to want to continue being a long time client of theirs. The cancellation department also handles the retention phone calls for customers who have promotions coming to an end. Essentially all they are is a customer service representative with retention strategies to try and keep you as a customer. They are the people who can boost your savings depending on your needs and how well a customer you are. Rogers client retention may not seem like a big deal when you are […]

January 2012 Monthly Budget

I know for me personally I like to see numbers when learning about how others budget. Since we are not financial gurus nor do we make substantial incomes I hope to attract others just like us and experts along the way. *For a detailed explanation on each category you can read “How we designed our Budget Step 2“. Keep in mind we may tweak it to fit current circumstances. I will do a monthly overview at the end of each month. Mortgage-$1389                                  Monthly Actual-$1632.15 Utilities-$450                                       Monthly Actual-$549.72 Smokes-$121                                        Monthly Actual-$68.00 Car/House Insurance-$189.46          Monthly Actual-$189.46 Transportation-$150.00                    Monthly Actual-$176.70 Misc/Renovation-$125.00                 Monthly Actual-$193.79 Dog-$2.00                                             Monthly Actual-$2.00 Dentist-$5.00 […]