Smart Finance and Money Saving Tips
Canadians are generous with more than 88 percent saying they already donate money to charity and 78 percent saying they would likely donate some if they received an unexpected windfall, according to a recent survey by Leger Marketing for H&R Block Canada.
In addition, the majority of Canadians (63% percent) also think they should be able to claim non-money donations on their tax returns. This would include donations of personal property and volunteer hours.
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We’ve all heard about the importance of having an emergency fund and many Canadians have them nowadays, however, it appears that many Canadians aren’t using them for their intended purpose. Rather than setting aside the funds for true emergencies, many folks are using these funds for day-to-day expenses and completely defeating the purpose altogether.
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Just as there are many types of money management apps for other technological gadgets, the iPad also offers a wide variety of apps that can help you stay on top of your finances.
I recently received an email from one of my readers who shared with me a link to a great article that lists ten iPad apps to help you manage your money. Apps listed include Mint.com, Pageonce, Ace Budget, and many others. Some of these apps will aid you in creating and sticking to a budget. Others help you to locate the closest ATM machine if you need some cash. Another handy one helps you keep track of your bills so that you never pay late fees again.
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While traveling through the United States, my husband and I made a mistake. For the first little while, we would opt for the cheapest gas price when we filled up regardless of the octane level. Unlike in Canada, where the lowest octane level available is 87, in the States, you can buy 85 octane level gasoline.
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Apparently even when your appliances are turned off, many of them are continuously drawing power and costing you money. Home electronics, in particular, are supposed to be big energy wasters. By getting into the habit of unplugging electronics and other appliances when you are not using them, you can benefit by saving big on your electricity bill.
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Bundle Your Services – If you are being offered a great deal for phone, Internet, and cable TV, go for it. Rather than paying for each service individually, it is often much cheaper to go for a bundle.
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Recently my husband and I decided to take a trip to Destin, Florida in order to enjoy one last glimpse of summer sun before the winter drudge kicked in. Driving from St. Louis, Missouri to Destin, Florida takes about fourteen hours and costs around $200 in gas money. A flight to Destin would cost over $300 for each person and include several layovers. Taking the car seemed like a much more affordable option than flying, but I was worried about driving non-stop through several states.
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