By Sheryl Smolkin

Spring is definitely in the air and every day the piles of snow and patches of ice in my neighbourhood get smaller. This week we report on a potpourri of interesting blogs and articles from some of our favourite bloggers.

We usually catch Robb Engen on Boomer and Echo, but he also regularly writes for his blog  RewardsCanada. This week he posted an interesting article about why it is so hard to cancel a credit card. Credit card companies advertise great bonuses on points when you sign up with them but they are counting on inertia to retain you as a client once the deal is in the bag. If you are smart enough to want out, they make you jump through hoops before you can cancel.

On StupidCents, Tom Drake’s mission is to help you “turn wasted sense into common cents.” Recently guest blogger Michelle offered some ideas on how to save money on your wedding. She suggests you can barter many services in exchange for free wedding products. It can also help to chose something other than a diamond and buy a pre-owned wedding dress. In a previous blog she suggested that you get married off season and not on a weekend.

If you think you have to keep your income low in your 64^th year because the OAS clawback is based on your income in the previous year, take a look at Understanding the OAS Clawback by Doug Runchey on RetireHappy. He says there is a provision in the Income Tax Act that allows the clawback to be based on your income for the current calendar year, if your income in the current calendar year will be substantially lower than it was in the previous calendar year.

In Thanks for the $2000 CRA on the Canadian Personal Finance blog, Alan Whitton aka the Big Cajun Man concludes that he and his wife are not eligible for income-splitting because his wife earns too much, but in any event he says this would not be enough to buy his vote because “As usual, the program is half-baked (much like the TFSA and other ideas), and I am not a one issue voter.

And finally, on get smarter about money, Globe and Mail columnist Rob Carrick writes about the gift of a debt-free education he and his wife are giving their two sons. There is no family fortune so they will not be living on Easy Street, but they will be able to graduate debt free from a four-year undergraduate program of their choice. He says if you can’t help your kids graduate debt-free, the next best thing is to help limit their debt. In today’s challenging world for young adults, that’s a great early inheritance.

Do you follow blogs with terrific ideas for saving money that haven’t been mentioned in our weekly “Best from the blogosphere?” Share the information with us on http://wp.me/P1YR2T-JR and your name will be entered in a quarterly draw for a gift card.

By Sheryl Smolkin

Whether you plan to spend Christmas holidays in the snow or on the beach, looking for the best deals can lighten the load on your budget, and observing some basic safety rules can minimize the risk of theft of both your property and your identity.

RewardsCardsCanada and RewardsCanada are two sites to bookmark if you want to stay abreast of the latest travel card deals.

For competitive prices on hotel rooms, take a look at Trivago and Priceline. Trivago’s hotel search allows you to compare hotel prices in just a few clicks from more than 200 booking sites for over 700,000 hotels throughout the world. On Priceline you can search for express deals or for deeper discounts by naming your own price and bidding on hotel rooms.

If you are planning a road trip, the pamphlet “How to Go on Ice and Snow” from Car Care Tips | CAA Saskatchewan presents well-illustrated, easy-to-read information that will aid you in becoming a safer and more efficient driver despite winter’s adverse weather conditions.

Independenttraveller.com offers 10 trips for holiday travel including flying in and out of smaller airports if possible to minimize wait time and have a more hassle-free arrival and departure. 

And last but not least, the Canada Safety Council offers The 12 Travel Tips of Christmas. Two of my favourites are:

• Check to make sure your passports, visas and vaccinations are all up-to-date.  Leave copies of your passports, driver’s licence, credit cards and other important documents with family members in case of theft).
• Inform your bank and credit card companies where you are going and for how long. This way your account won’t be flagged for suspicious activity when you make purchases in a foreign destination.

Do you follow blogs with terrific ideas for saving money that haven’t been mentioned in our weekly “Best from the blogosphere?” Share the information with us on http://wp.me/P1YR2T-JR and your name will be entered in a quarterly draw for a gift card.

By Sheryl Smolkin

A couple of travel-related stories caught my eye this week.

• RewardsCanada offers 5 Tips to Avoid or Mitigate Fuel Surcharges on Award Tickets. Did you know that Air Canada partners like United, Air China, Brussels Airlines, EgyptAir, Ethiopian, EVA Air, Scandinavian, Singapore, Swiss and Turkish Airways have much lower fuel surcharges?
• 3 Ways to Get Cheap Accommodation When Travelling is featured on When Life Gives You Lemons Add Vodka. Couchsurfiing, housesitting, AirBnB and tents are all possible (if not always practical) options.

If you have a spring or summer wedding on the horizon, find out Why a marriage contract may be right for you. It may not sound romantic, but drawing up a pre-nuptial agreement with your future spouse could save you a lot of grief later on, particularly if both of you are bringing significant assets into a second marriage.

In Retirement do’s and don’ts on the Canadian Personal Finance Blog, Big Cajun Man says make sure you have enough money to retire on, because if you don’t, you aren’t retired, you are destitute. To avoid that undesirable outcome, he recommends taking care of your health, not supporting your adult children and clearing your debts before you retire.

And finally, Krystal Lee has introduced us to her brand of frugality on Give me back my five bucks. But when it comes to fitness, she finally shelled out $100 for the Fitbit Flex and posted a review of the fitness tracking device. She likes the iPhone app, the sleep tracker and the silent alarm. She also says it is easy to use and set up. But she finds the step count to be inaccurate at times and says the calorie counter is a bit annoying.

Do you follow blogs with terrific ideas for saving money that haven’t been mentioned in our weekly “Best from the blogosphere. Share the information with us on http://wp.me/P1YR2T-JR and your name will be entered in a quarterly draw for a gift card.