By: Nelson Smith on January 13, 2015
Get Paid to Go to the Store: Here's How

One thing every Canadian can do to improve their finances in 2015 is get serious about credit card rewards points.
 
There are simply too many of us who are using a credit card with a pitiful rewards program. Getting 0.5% cash back might seem like a good idea when the alternative is nothing, but you’re leaving some serious rewards on the table. Let’s take a look at a couple of rewards credit cards and just how much free money you can earn from them.
By: Nelson Smith on January 9, 2015
Fixed or Variable: Which Mortgage Should You Choose in 2015?

When I was a mortgage broker, customers tended to care about one thing mainly: interest rates.
 
Even though variable rates have traditionally been cheaper than fixed rates, approximately 80% of Canadians opt for a fixed rate mortgage. We happen to like the security of not having to worry about interest rates for as long as the mortgage’s term, usually five years.

By: Lucy Zemljic on January 8, 2015
Conquer Your Debt the Balance Transfer Way

Are your finances in tatters from all that holiday spending? You’re not alone. While January is the month for resolutions and fresh starts, it’s also the time of year when Canadians are faced with the harsh reality of too much debt. 

By: Lucy Zemljic on January 7, 2015
Ways to Save Wednesdays: Cool Deals You Can Only Get In January

It’s 2015! We hope you had a wonderful holiday and a fantastic start to the new year.
 
It’s no secret that here at LowestRates.ca, we’re all about saving you money. That’s why we’re excited to present a new weekly blog series focused on helping you save even more all year round. It’s called Ways to Save Wednesdays, and it’s exactly what it sounds like!

By: Nelson Smith on January 6, 2015
Take These Five Steps to Secure Your Finances in 2015

The tree is taken down, the stockings are put back into storage, and all the leftover turkey is either already eaten or thrown into the garbage in frustration. Yes, 2014 is finally behind us.

Now it’s time to focus on 2015. New Years’ resolutions can range from the mundane to the life-changing, but they usually include something aimed at sprucing up your finances. With that in mind, here are 5 easy steps you can take to start 2015 off on the right financial foot.

 

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By: Sara Radovanovich on January 5, 2015
LowestRates.ca Proud to Donate to Yonge Street Mission

The holiday season encourages us to be generous and thoughtful. It reminds us that we should be thankful for all that we have and celebrate our love for one another with joy and merriment. It is also a time to think of those who do not have the same luxuries and comforts we often take for granted. At LowestRates.ca, we reflected on this and challenged ourselves to make the lives of those less fortunate than us a little better over the holiday season.

By: Lucy Zemljic on December 31, 2014
The Dough Report Year in Review: Favourite Blog Posts of 2014

2015 is almost here! And as December comes to a close, it’s a great time to reflect on the past year. 2014 has seen its fair share of economic ups and downs, and through it all LowestRates.ca has been keeping readers up to speed on hot-button personal finance issues.
 
So, in the spirit of reflection, we’d like to take a look back at some of our favourite (and most useful) blog posts of 2014.

 

By: Nelson Smith on December 30, 2014
4 Easy Ways to Shed Your Holiday Debt

For most Canadians, the holidays were expensive. In 2013, the average Canadian spent approximately $1,800 on the festive season. This included $689 on travel, $674 on gifts, and the rest on incidentals like food, booze, and earplugs after your nephew gets a new toy that makes a bunch of noise. 

Chances are the holidays also left you with a whack of debt. Here are some easy strategies to slay those credit card bills and start 2015 right.

By: Thomas Sigsworth on December 30, 2014
Infographic: 14 Key Moments from 2014

One thing's for sure – 2014 has been a very interesting year. Mortgage rates defied prediction by sinking even lower, while home prices continued to climb higher – sometimes much higher – in several key Canadian cities.

Want to see how the year in personal finance played out? Check out our infographic below:

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