By now you should have completed your taxes and are most likely eagerly awaiting your return. While some will get just a couple hundred dollars back, some of you could be in for a fairly sizable cheque. It’s easy to get excited about unexpected money, and hard not to want to spend it all at once. Before it arrives, though, take some time to think about how you can best use that money. Here are 8 suggestions for ways you can spend your tax refund wisely.
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When I’m at the checkout, I often open my wallet and pause for a moment, pondering how to pay. Cash? Nope, I’m saving it unless I’m buying a pack of gum. So it’s often the debate between debit and credit card. The final tally, in many ways, is the same. I buy something, I have to pay for it, either now (debit) or later (credit). But the decision is much more complex if you look at the bigger picture.
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You might remember a press release issued a few weeks back by RateSupermarket.ca about how Canadians are worried about personal debt levels. We thought we’d go one step further in analyzing the poll results and have pulled together an inforgraphic showing just how bad our credit card debt denial has become and exactly which provinces are ignoring the truth.
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As much as we all like seeing the balance in our savings accounts grow, aside from having enough cash on hand to pay your bills and daily expenses, it almost always makes more sense to pay off your debts first. Here’s why – and a couple exceptions to that rule.
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Long before every retailer, it seems, began offering points for purchases, there was AirMiles. This versatile rewards program was launched in 1992 and lets you rack up points when you buy stuff at a wide array of places — both in person and online — and redeem them for kitchen gadgets, event tickets and vacations. The system has worked for years for many people, but now the program has some new offerings. Here’s what’s up.
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