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December 12 is Free Shipping Day in Canada

December 5, 2012 by renee 1 Comment
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If you’re going to do some online shopping, try to do it on December 12. That’s Free Shipping Day in Canada. More than 150 retailers will offer free shipping.  [Read more...]

Filed Under: blog, Budgeting Tagged With: Ebates.ca, free shipping day December 12, RetailMeNot, shopping

Money and Taxes

April 4, 2012 by renee Leave a Comment
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Part of the HST I will have to pay soon.

I like saving money. I like spending it too. Two days ago my accountant called to discuss my taxes. [Read more...]

Filed Under: blog, Budgeting, Finance, House and Home, personal Tagged With: 397 ways to save money, CPP, HST, OAS, saving money, taxes, women and money

Not What I Bought but What I Sold

January 25, 2012 by renee Leave a Comment
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Sprawled Pink Tartan dress

One of my rules this year is to cut back on buying dresses. That doesn’t mean I can’t make some money off of them once I’m not longer wearing them. Take this dress in the photo: It’s a gorgeous colour and a great cut. I love it but no longer wear it, mostly because I have to Spanx myself up and I hate wearing Spanx. Still, it’s in great condition so I’m consigning it so it can be sold on.

No, the money will not go to buy another dress, thank you very much.

 

Filed Under: blog, Budgeting, House and Home Tagged With: Canadian design, canadian designer, consigning, consignment, dress, Pink Tartan

New Contract and Some Advanced Planning

January 23, 2012 by renee 2 Comments
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Menu planning on my fridge

This week I start a four-month editing contract. Nothing out of the ordinary but this time my client wants me in the office. That means I’ve got to do some planning so I don’t fall off the wagon and end up buying lunch every day.

That gets expensive. I’m going to average $10 for lunch with a drink. Factor in coffee, say, $2 (rounded up) for a large Tim Hortons coffee or $4 for a tall coffee at Starbucks, maybe $1.50 for the mid-afternoon vending machine snack and the day’s spending is anywhere from $13.50 to $15.50.

Multiplied by five and that’s $67.50 to $77.50 a week. If I multiply that by 16 weeks, that’s $1,080 to $1,240 spent (maximum).

I could buy with that money:

A plane ticket to somewhere

Hardwood for one of the rooms in my home

Stocks, bonds, RRSPs etc.

Clothes, shoes, accessories

Two iPads or a nice camera with money left over

A lot of groceries

I’m writing this down so I can see the numbers, not just have them float around in my mind where I can ignore or justify them. Seeing that four-figure number makes it plain that I’m going to have to do some grocery shopping and some meal planning. I know myself. If I don’t plan this out now and come up with enough creative meals, I will get bored and lazy and end up buying my lunch and multiple coffees.

I’d prefer to have the money to spend on a plane ticket.

 

Filed Under: blog, Budgeting, House and Home Tagged With: food, how to prepare for a new job, menu planning, shopping

Negotiating with Rogers for a Lower Telephone Bill

January 17, 2012 by renee 2 Comments
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Crucial business tool (though I want an iPhone too)

I’m with Rogers and yes, yes, we all know the Big Three are varying shades of evil depending on what day ends in “y.” Unfortunately there isn’t a lot of competition in Canada when it comes to phones and we pay one of the highest rates in the world. That means there isn’t a lot of leeway on phone plans but sometimes you can cut your bill.

Once a year I look at my phone usage. I should do it more often but at least I look at it. I have a Blackberry so this involves looking at my data usage and my text usage. Here’s what I found out:

I used an average of 35 per cent of my data. That’s 35 per cent of 500 MB.

I also used maybe 10 per cent of my text allowance. I have 2,500 allowed texts per month.

I barely use my long distance and don’t use up my daytime minutes.

Yet I was paying for all of that with a monthly average of $100. Ouch. So I call Rogers and explain my findings to the customer service rep and ask if she can do something about this in a way that will benefit me, aka, make me happy. She gives me nothing. I ask to be put to customer retention and she immediately tells me that she can’t do that as that is only for people who are looking to cancel their contracts.

“I’m perfectly happy to consider that,” I tell her happily and politely. I get put on hold and am connected to the customer retention rep. Once again I explain my situation – don’t use all my data, don’t use all my text, don’t use this, don’t use that, don’t want to pay for it, etc. etc. Can you do something about it, please? – and then I point out that a competitor has this deal that gives me what I want for about $40 less.

We talk and by the end of it I ended up reducing my monthly phone and internet costs from an average of $147 to $102.

So how was it done?

Usage

I looked at what I was paying versus what I was using. Then I noted how I use my phone: mostly for email, texting, Twitter and Blackberry Messenger.

Research

Once I knew how I was using my phone I looked at the available plans, found a few that I liked and had them open on my laptop when I made the call.

Cancellation

I was willing to cancel my contract, pay the fines and switch. It would have been an initial outlay but it was one I was willing to make.

Retention

I’ve never found customer service useful when trying to change my plan. Knowing I was willing to cancel, I immediately asked to be put through to retention after customer service couldn’t help.

Politeness

Seriously. I was nice and polite to the customer retention rep even though my first instinct is to be hostile. It was a great experience for both of us and I even left a message with his manager commending his service at the end of the call. On a side note, I don’t think that affected my new plan since I mentioned it to the customer retention rep. after I got the new plan.

So with that I’ll be saving an average of $490 a year. Not too bad.

One of these days I’ll tell you how I got out of paying $400  in fees to Bell thanks to an apartment building.

Filed Under: blog, Budgeting, House and Home Tagged With: phone bill, Rogers, rogers phone, rogers phone plans, saving money with Rogers

Why I’m Saving And Whiny About It

January 13, 2012 by renee 1 Comment
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Camilla Skovgaard boots (photo courtesy of eBay)

See those? I want them. I want them badly but I haven’t bought them. I’m trying to be good but it’s really, really hard. I’m trying to keep my goals in mind to keep me from buying shoes I don’t really need and dresses I also don’t need. [Read more...]

Filed Under: blog, Budgeting, personal Tagged With: 397 ways to save money, budgeting, camilla skovgaard, London, saving money

Cheap Night Out. Ok, Cheapish

January 12, 2012 by renee Leave a Comment
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Renee Sylvestre-Williams (left), Kimberly Lyn (centre) and Pamela Quiroga (right). I forgot who took this photo. Please let me know if you do

I was going to call this blog “Cheap Date” but no. Anyway, so going out. As part of my saving money scheme, I’m looking at how I go out.

Not cutting back on going out. I’m not giving it up entirely as I don’t think that’s a good idea. You end up staying home and that can have a negative effect on you. You can get depressed and I don’t know about you but there’s only so many times I can rearrange the furniture before I start texting/bbming people and going, “I need to get out of my house! Argh!”

So yes, I believe you need to get out and socialize sometimes.

You can have friends over but not all the time. I don’t know about you but sometimes I just don’t want people in my home. That leaves going out. Prior to now I’d go out, spend money then wonder where it all went. Now I’m looking at ways to still go out, still have a good time but not empty my wallet or overheat the debit card.

I started thinking about this earlier this week. I met up with Kate and we ended up having drinks and sharing an appetizer. The bill came up to $31 between the two of us. Cheapish night out but I could have gone without the beer.

A friend of mine, Gail McInnes, owner of Magnet Creative Management, goes out as part of her business so she’s an expert. Sometimes the bar is an open bar, sometimes it’s not. What she likes to do when she doesn’t want to spend a lot of money is get a beer and nurse it for most of the night.

That makes sense. You can do the same with a glass of wine but keep in mind that a glass of wine is often the cost of the entire bottle. Then again, I should just not have a drink when I go out but I don’t think that’s realistic (see above). What I’m going to do is this:

If I’m going to eat, then no alcohol. If it’s drinks, then one. If it’s horrible wine and really expensive (it has happened) then water. That $10 for a glass of blah wine buys a bottle of decent red at the LCBO.

 

Filed Under: blog, Budgeting, Finance Tagged With: 397 ways to save money, drinking, gail mcinnes, going out

Photo: Tea and Garlic

January 8, 2012 by renee Leave a Comment
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Tea (except for the dip)

I reorganized my cupboards. The results show that I have a lot of tea. The left is all tea, except for that dip. Of course I’m drinking tea while I write this. [Read more...]

Filed Under: blog, Budgeting, House and Home, personal Tagged With: 397 ways to save money, cooking, garlic, tea

Saving Money #2: Make Do and Mend

January 7, 2012 by renee 4 Comments
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Holey sweater

A little austerity chic is happening in my wardrobe right now. I have a weakness for dresses and did buy quite a few last year (didn’t blow my budget and paid cash, fyi) but this year I decided to cut back on my clothing budget and wear what I have in my closet. That includes remixing outfits and repairing anything damaged.

I am drawing the line at drawing on stockings though. [Read more...]

Filed Under: blog, Budgeting, Fashion, House and Home Tagged With: 397 ways to save money, darning, finance, household budgeting, money, repairing clothing, saving money, sewing

Saving Money #1: Cooking

January 4, 2012 by renee 4 Comments
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One of the new pots courtesy of my parents

I can cook. I’m not a gourmet chef but I can cook even though I haven’t mastered bread yet. Thanks to my mother, grandmother and two years of cooking class in high school with Miss Sooden, I can pretty much do anything, even make a white sauce. [Read more...]

Filed Under: blog, Budgeting Tagged With: 397 ways to save money, cooking, money, recipes, saving, saving money
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