WestJet is offering a seat sale of 50% off until March 3 2010!
Heres the details:
Book by March 3 (11:59 p.m. MST).
For Canadian destinations travel on Mondays, Tuesdays and Wednesdays until June 30, 2010.
For U.S. and international destinations travel between May 3 and June 30, 2010.
For U.S. destinations travel on Mondays, Tuesdays and Wednesdays.
Seasonal service to Deer Lake / Corner Brook, Sydney (Nova Scotia) and Saint John starts the week of May 21, 2010.
Seasonal service to Windsor starts May 31, 2010.
Click here to book.
This article was written by Woofy in our new Personal Finance Canada Section. Woofy has a blog as well which you can check out here. Thanks Woofy for the awesome article 😀
I was reading through the ways to save money thread, and thought about how we missed out credit scores and credit reports!
Credit scores and reports are such a big part of our lives, and I strongly believe that learning about it, and knowing how to manage your credit score is going to help us save a tonne of money in our lifetime!
So, I am starting this thread to talk about credit scores.
First, what is a credit score?
A credit score is mathematically calculated by all the information found in your credit report, and translated into a 3-digit number between 300 to 900, and lenders use this number to gauge your credit history.
An average credit score is around 650, and a score of 520 is generally required to qualify for a mortgage.
Why is credit score important?
Think of the credit score as a report card on how you are doing financially in your life. J
All lenders based their decision on whether to extend credit to you on your credit score. All lenders, from your bank, to your car dealership, to your department stores credit application to your landlord, they all rely on credit scores to help them access whether you as a credit applicant will be reliable in making your payments, and if it is worthwhile for them to take on the risk of lending you money.
And most importantly, the higher your credit score, the better chance of you negotiating for the best rates you can get from a lender. I think this is where you will find that you will get the most savings over the course of your lifetime financial activities.
Consider this simple example:
For a $100,000 mortgage at 5% interest rate, paid over 25 years, you will be paying $75,377.01 in total interest to the lender over a span of 25 years.
For a $100,000 mortgage at 3.25% interest rate, paid over 25 years, you will be paying $46,194.87 in total interest to the lender over a span of 25 years.
That’s a savings of $29,182.14 over 25 years, which translates to $1,167 a year!
I’m not sure if you think that is much, but for me, I’d much prefer to have that $1,167 in my own pocket, than in the pockets of my lenders!
So, hopefully, I have managed to convince you that your credit score and report is a very important financial tool that you should learn to manage. J
I will write about ways to improve our financial report card in a future post.
If anyone else still has those $2 off Glade coupons, this might be of interest to you. Got this in my email and I decided to post it here for everyone:
For a limited time, Glade® Little Whispers™ Jar Candles are only $4 at Walmart. With each purchase of this limited edition candle 50¢ will be donated to the Children’s Miracle Network®. Enjoy the goodness of giving and the uplifting scent of Glade®.
Look for our insert in your local newspaper on March 6, 2010, and take advantage of up to $4 in coupons on great products, including Glade®, Ziploc® brand, Pledge® Aerosol and Scrubbing Bubbles® Automatic Shower Cleaner Refill.
It didn’t say which newspapers and which specific areas the coupons will be distributed in so just look out for them in your weekend paper. Save and give to the children at the same time! Happy hunting everyone!
Lids.ca is having a big clearance sale with hats starting as low as $6. I ordered from Lids in December and I got 2 Burton toques for my husband for $25 bucks shipping included!
Heres some handy Discount Codes:
- Buy one get one half off click here
- 15% off when you spend $60 or more using code “LIDSMARCH15“
- Get a free membership when you buy 2 or more regular priced items using code “LIDSMARCHFPP“
Ship to store is free, $60 or more is free standard shipping, otherwise its $9.99 but for a limited time theres also a code for $5.99 shipping when you spend at least $30 using code “LIDSMARCHCAGS.”
What I plan to do is find a few cheap clearance hats for $6 then use the cheap shipping! Spring is in the air and my kids could use some new head gear.
Ps. Isn’t that baby just the cutest!
From March 1st – April 18th 2010 every 20 iCoke pins you enter will give you the option of “cashing in” for a movie ticket. This excludes all Nestea pins and you must have 10,000 points in your account in order to redeem for the movie ticket and it’s only available while quantities last.
I’m glad they have this deal back up because it seems like they haven’t had anything good to redeem your points for lately and they never have McDonalds gift cards available for us East Coasters!
You’re allowed to enter 10 pins per week so every 2 weeks you can redeem for a movie ticket. If you don’t drink coke or you don’t drink 10 a week try raiding the recycle box at your work. I raid the one at my work and my boyfriend’s work and usually end up with at least 10 a week.
Today Irefusetopayfullprice blogged about Thesource.ca and their 60% off sale. I took a quick gander and had to point out some specific sale items as their priced too cheap to not mention!
Happy deal hunting!
Clearly Contacts is kicking off 2010 by giving away 25000 pairs of FREE glasses to Canadians. Here are the details from their site:
Throughout 2010, we’ll be making stops at cities all over Canada with our free glasses giveaway. By signing up at the link above, you will be added to your city’s VIP giveaway list. Once we make it to your city, you’ll be emailed directly with the coupon code to get your free pair of glasses. You’ll be able to use the code to choose any pair of glasses on the site for FREE. Only the first 500 customers to use the code in each city are eligible to get the free pair
Offer includes frame, standard 1.5 index lenses, A/R coating, UV coating and Scratch Resistant coating. One free pair per household. Shipping & handling applies. Customers who have already received a free pair of glasses from a previous promotion are not eligible. *If you wish to add a tint or upgrade to thinner lenses, you may do so and just pay the difference.
The first few cities have already been announced:
Feb 10 Vancouver
Feb 16 Coquitlam, Port Coquitlam and Port Moody
Feb 17 Fraser Valley
Feb 23 Burnaby and New Westminster
Feb 24 Richmond
Mar 2 Maple Ridge, Pitt Meadows and Mission
NEW CITIES ANNOUNCED!
For the Mar 8 giveaway, anyone in the following areas will be eligible: Nanaimo Campbell River, Courtenay Comox, Qualicum Beach, Parksville, Port Alberni, Ladysmith and Duncan
Mar 9 Prince George
Mar 15 Okanagan
Mar 22 Calgary
Mar 23 Regina
Mar 29 Winnipeg
Apr 6 Toronto Region
Apr 13 Ottawa
Apr 19 St John’s
Click here to register today!
*New cities added!
Stay tuned for your city!! Huge thanks to prettyunicorns for this amazing post!!
Come check out Jean Machine’s first Spring/Summer warehouse sale!
All of Jean Machine’s favorite brands will be 50-90% off!!
If you missed the last Jean Machine warehouse sale, you won’t want to miss this one. They’ve doubled the changerooms, doubled the Bench department, doubled the rest of their product, and will have double the deals!! Each day new men’s and women’s products will be arriving straight from stores.
Here are the det’s about the warehouse sale:
March 17-21, 2010 10 am – 7pm, except on March 20, it’s 10-6pm and March 21 10-5pm.
Location:
4069 Gordon Baker Road
Scarborough, Ontario
Near 401.404.
If you are near Scarborough, be sure to check it out for some Jean Machine and Bench deals!
Thanks to Darren P for submitting this deal through the “suggest a deal” form!
I am a bit late posting this, sorry guys, but you can still get it tonight! Today only, March 1st, you can get a FREE Poutine at New York Fries when you buy one. New York Fries did this same promo when Canada’s women’s olympic hockey team won, and now since the men’s team won, they are doing it again!
The coupon is posted on twitter and facebook.
TWITTER NYF coupon
FACEBOOK NYF coupon
Thanks to 23edge for sharing this deal with us!
Clearly Contacts has offered some great savings just for Smart Canuck readers. Valid from today until the end of March.
- “Smartdiscount” 10% off
- “Smartframes” 20% off eyeglasses and free shipping
- “Smartspecs” 25% off eyeglasses and free shipping for first time customers
I personally LOVE Clearly Contacts. Over the years I’ve ordered almost 10 pairs from them and am never dissapointed in their superior product. All you have to do is have a recent prescription!
Click here to check out Clearly Contacts
Ocean Spray is giving away reusable shopping bags. With so many stores now charging for bags I find that I never have enough reusable bags so I love when you can get one for free. I always have a few in the car and I find these cloth ones the easiest to store. There is no purchase necessary to order your bag.
Click here to order your shopping bag from Ocean Spray.
Thanks to gottaluvthedeals for finding this freebie for us!
Dell has a sale on electronics and accessories for travel. You can save up to 60% on a variety of cameras, gps system, mp3 accessories and much more. They have a nice laptop bag on for $19.99 which fits laptops with up to a 16″ screen that I’m thinking of getting. The sale is on until March 5. I’ve ordered from Dell before and their shipping is really fast.
Click here to go to the Travel sale at Dell.
McDonalds is doing it again! Wooing us with their FREE coffee. In my opinion this is the best tasting coffee you can buy on your way to work 🙂 Forget all those fancy places, this coffee is fantastic!
So try it out FREE March 1 – 14 all day long. Small coffee, 1 per customer.
Just a friendly reminder to all that this starts today, March 1, 2010 and runs through the month or while supplies last. Make sure to roll up the rim for a chance to win:
40 x Toyota RAV4
100 x $10,000 cash prize
1000 x Toshiba Netbooks
25000 x $100 Tim`s QuickPay card
31000000 x food prizes
Thanks to Patty Smyth for the reminder!
If you`re looking to shop for electronics, computers, GPS, or the like, check out The Source`s Online Only sale. Get your purchase shipped to the nearest store for free!
Click here to check out this sale.
Thanks to mtlmom for the post!
Page 5,980 of 6,376« First«...5,9795,9805,9815,982...»Last »
