Debt consolidators you can trust + MORE Nov 2nd

The TD First Class Visa Infinite has a new sign up offer as of this month. Gone is the great 40,000 point and 1st year free sign up offer. The new offer is yet another obvious push for TD’s partnership with Expedia. As you may or may not be aware this card was devalued on the redemption side when it was announced that travel bookings made outside of Expedia for TD would cost more points as of August 16th however that was further extended to November 15th. Now with this latest sign up offer you can see that push for Expedia as not only is that your best avenue for redemption but instead of offering 40,000 points you now get 20,000 points and a $150 Expedia for TD rebate. The value of which is worth more than the old 40,000 bonus points as those were worth $200 and now the combination of points and rebate is $250 but also gone is the first year free rebate. Now with a 50% rebate you have to pay $60 in the first year meaning your total sign bonus value is brought down to $190. So this offer is not as good as the previous one…

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If you’re struggling with bill payments, don’t just go with the first debt consolidator you hear advertised on the radio. A better choice is to seek out the increasingly available services of a government-sponsored, not-for-profit agency—such as Alberta’s Money Mentors, which recently began offering free assistance to those trying to get a better handle on their finances. Nationally, there’s also Credit Counselling Canada, which has member offices or toll-free assistance available to all regions of the country, where certified professionals are on hand for one-on-one assessments and budgeting help at rates of $0 to $20 (depending on your financial circumstances).
Both of these agencies can also negotiate debt repayment plans with creditors on your behalf for up to but no more than 10% of your monthly balance. But keep in mind you’ll still have to make monthly payments, including interest and fees, until your debt is fully paid off—typically, within 60 months…

On October 30th the TD Aeroplan Visa Infinite Offer of 25,000 miles, 50% off and bonus miles for shopping at Shop.ca ended. Now we know the next offer! It has a lower sign up bonus (by 5,000 miles) but is first year free!! That’s means you can get the 20,000 miles at no cost at all to you other than making your first purchase and keeping the card for at least 90 days.Offer DetailsEarn up to 20,000 Bonus Aeroplan Miles and a 100% rebate off your first year annual fee when you apply for and receive the TD Aeroplan Visa Infinite Card. Earn 15,000 miles when you complete your first purchase and an additional 5,000 miles when you keep your Account active and in good standing for 90 days. Full details Apply by Jan 4, 16TD Aeroplan Visa Infinite Card• Receive a Welcome Bonus of 15,000 Aeroplan Miles with  your first Purchase•Get an additional 5,000 Aeroplan Bonus Miles when you keep your Account active and in good standing for 90 days!2                                                           • 100% Fee Rebate3 (Primary Cardholder only) for the first year – that’s $120 in savings• Offer Valid until Jan…

Card-linked offers are automatic discounts applied when you use a certain credit card at a participating merchant

Many of us, in these tough times, are looking for ways to save money. You might be surprised, however, to discover that you don’t have to make huge changes to get ahead financially. Many of the things that you have ingrained as part of your lifestyle are costing you. Not only that, but some of your lifestyle choices might be holding you back in terms of living the life you want.
If you want to improve your quality of life and save money at the same time, here are 3 ways to change your lifestyle:

1. Less Entertainment, More Education
While we all like to be entertained, it doesn’t make sense to focus so much on entertainment. From watching TV for three hours a day to exclusively reading novels, the quest for entertainment can be costly… and it doesn’t help you improve your life.
Instead, look into increasing the amount of education you have in your life. Cancel the cable subscription and watch less TV. Instead of watching for three hours a day, pick a show or two you want to follow, and then watch an hour a day using a cheap streaming service like Netflix…