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Thread: WHAT is YOUR best deal this week?????

  1. #12856
    CaToonie Arjon's Avatar
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    Quote Originally Posted by barbis9 View Post
    I just use one credit card that has zero annual fees and get 2% back on three categories of my choice and .05% on everything else. You have to be careful as some offer great rebates but for a limited time. One card is all you need. I have the rebate going straight into my savings account each month.
    Everyone should do what works best for him or her. Using multiple cards does take a little more thought and the small (for me) inconvenience of having more bills to pay off each month. It's a matter of individual judgement whether these cons are outweighed by the additional savings.

    As a fairly straightforward example, I happen to have a card just like yours. If it were my only one, getting another with the same benefits would let me get 2% cashback instead of 0.5% on three different categories. Obviously I'd save more in total, with how much being dependent on my spending in the three categories I choose for the new card. And I'd have to make the subjective decision whether the estimated difference would be worth the additional thought and effort.

    It's also worth noting that no-fee cards sometimes offer sign-up bonuses. Just this past week, I saw an in-store sign-up offer for PC Mastercards that included 30k points. There were some conditions attached, but they seemed pretty easy to meet. Those who qualify for the "World" card get 20 PC+ points per dollar spent at Loblaws, RCSS, No Frills et al, and also at SDM, plus 2 cents per litre of gas at Esso. With the "World Elite" card, it's 30 per $ plus 3 cents.

    Fee cards are obviously more involved. They're not for everyone, but they can save some people more than no-fee ones. As a simplified example, if you were to pay an annual fee of $100 and get 4% back instead of 2% on purchases at major grocery and gas chains, the break-even on just those two categories would be $10,000 per year. If you spend more, you'd save more in the end by using the fee card. In practice, the B/E would probably be somewhat lower since the fee card is likely to have 1% cashback instead of 0.5% on your other purchases.

    One thing to be aware of is that some premium cards with 3% and even 4% cashback rates on selected categories waive the fee for the first year. So, if you're able to cancel when the year is up (as you pointed out, it's critical to read the terms that apply to each card), you can, in effect, have a no-fee premium card for a year. Whether the additional savings in that time are worth the additional effort is a personal decision that involves subjective factors as well as dollars and cents, but in the latter area, having a card with a higher rate than your current one is clearly beneficial for that year.

    I was a two credit card person for a long time, one MC and one Visa, both no-fee, with staggered billing dates so I could always use the one with the later payment due date. I also assumed fee cards weren't "worth it" for me because I didn't and still don't charge all that much. It turned out that by choosing a better informed approach that involves multiple cards, I save hundreds of dollars per year. Maybe some other forum members can benefit from better informing themselves too.
    macw1960, MillieH and Valerey like this.

  2. #12857
    Canadian Guru
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    IGA QC: In store specific offer to mine : case of clémentines @3,99$

  3. #12858
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    Quote Originally Posted by barbis9 View Post
    I have started doing this as well and I get about $20-$30 a month which goes straight into my savings. It really does add up.
    I use my credit card for EVERYTHING! $1.88- Yup Credit please. The PC points add up!
    macw1960, cath007, MillieH and 3 others like this.

  4. #12859
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    Saturday's Talize find-24.99. Added a 0.99 book so I could use my $5.00 off $25.00 coupon
    Attachment 336778
    Purdee, barbis9, macw1960 and 2 others like this.

  5. #12860
    Smart Canuck Purdee's Avatar
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    RCSS $0.34/each avocado - not advertised sale. They were slightly ripe which I prefer anyway but still good. I bought 20. To my surprise I also got 1200 PC plus points. Mandarine was $0.48/lb.
    i forgot to mention one lady got like 10 bags of avocados (10 in each bag); she showed me and other shoppers how to pick the good ones and told us how to freeze them too.
    Last edited by Purdee; Mon, Nov 13th, 2017 at 03:49 PM.

  6. #12861
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    Quote Originally Posted by Purdee View Post
    RCSS $0.34/each avocado - not advertised sale. They were slightly ripe which I prefer anyway but still good. I bought 20. To my surprise I also got 1200 PC plus points. Mandarine was $0.48/lb.
    i forgot to mention one lady got like 10 bags of avocados (10 in each bag); she showed me and other shoppers how to pick the good ones and told us how to freeze them too.
    Care to share her tips?
    barbis9, cath007 and Anna Michele like this.
    Mother to 5yr old boy and 2yr old Boy/Girl Twins

    Help me out with Swagbucks and we can both earn gift cards and PayPal money.


  7. #12862
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    Everyone seems to be talking about points related ccs for the last few days and then I got a interesting call from pc financial on Saturday. The offer was I can add up to 4 people to my cc and receive 10,000 points each. Each are has to be activated and used once to receive the points per card. I ordered 4 and will activate and use them once then after a bit I will cancel them

  8. #12863
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    Food Bank Drive
    Walmart
    Got 15 cans of almayers soup @ 33c each.
    PM ed Blue sky 500 g peanut butter @ 99c each , 6 of them
    PM ed Blue sky 2 Kg sugar @ 99 c each , 6 of them.

  9. #12864
    Smart Canuck Purdee's Avatar
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    i thought it was new to me only, so the lady you don't want soft spots, evenly soft is fine, then remove the little stem, if it's green then it's good, if it's brown then not good. To freeze, cut them in halves remove pit, remove skin if desired, or cube the flesh then spritz with lemon juice to keep them from browning then freeze
    Quote Originally Posted by Angela273 View Post
    Care to share her tips?
    Angela273, barbis9, GoJays and 6 others like this.

  10. #12865
    Canadian Genius redhdlois's Avatar
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    5 nights at the Aria Resort & Casino in Las Vegas + airfare for only the taxes on the airfare $149 CDN
    (3 nights were a comp through my play online with myVegas and I had a credit with Westjet to use before the end of this month....I also got an email from Westjet offering a $50 credit to be used within 48 hours, so I added two additional nights at the hotel along with the flight.)
    The planets all aligned for this trip !
    Now, the gambling and shopping are another matter........lol
    Last edited by redhdlois; Mon, Nov 13th, 2017 at 09:31 PM.
    dagney, Purdee, Angela273 and 15 others like this.

  11. #12866
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    Sobeys
    2x 1L French’s ketchup $3 - 50c coupon - 75c CO51 = $1.75 each plus taxes
    Mother to 5yr old boy and 2yr old Boy/Girl Twins

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  12. #12867
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    This morning I was at my local Walmart(Westbrok mall) and spied some good deals. Post cereals for $1.00. Cases of Campbells soup for $5.00. Old El Paso taco kits for $2.88- they include a $5 off produce coupon when you buy another kit and El Paso salsa.
    Last edited by lizzie bargain; Tue, Nov 14th, 2017 at 04:43 PM.

  13. #12868
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    Not quite the money maker - it's 5$ off with the purchase of a kit AND salsa. Both are generally around 3$, but still decent at ~1$...havent come across a 2/5$ deal on these products yet but keeping eyes peeled

    Quote Originally Posted by lizzie bargain View Post
    This morning I was at my local Walmart( Westbrok mall) and spied some good deals. Post cereals for $1.00. Cases of Campbells soup for $5.00. Old El Paso taco kits for $2.88-these are a money maker as they include a $5 off produce coupon.
    CADDLE APP REFERRAL LINK: http://dev.caddle.ca/signup/referral/565f84b25049b

  14. #12869
    Smart Canuck Purdee's Avatar
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    another RCSS deal but different location in my town, freezies $0.24/bag, they had 3-4 pallets probably hundreds of bags of two types: organic non-gmo in pack of 12 and regular artificial flavors in pack of 18s. Grabbed 4 packs of the organic ones for my toddler.
    well dot ca is selling them for $7.xx DeeBee's Organic Super Fruit Freezies

    Last edited by Purdee; Tue, Nov 14th, 2017 at 10:09 PM.

  15. #12870
    Teachers Have Class
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    I bought my annual supply of Tim Horton's Hot Chocolate canisters.

    3 x T.H. Hot Chocolate @ $4.99 = $14.97

    Scan the receipt and get a $10 Tim Horton's gift card Buy 3 Tim Hortons products, get $10 Gift Card Rebate (thanks torontogal12!)


    I did 6 separate transactions of 3 cans each for a total of 18 cans = total of $89.82

    I've already submitted the scans of my receipts (under 2 separate names) and will be receiving 6 x $10 gift cards!
    Purdee, Angela273, barbis9 and 9 others like this.

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