Financial Fun Fridays!

I love saving money.

I consider shopping an Olympic sport, and snagging a good deal is like winning gold. So its only natural that after sitting down with my dad  on a Friday to make a budget, I was looking at ways to lower my expenses.

1. I pay around ten dollars a month for bank fees to CIBC. To get rid of this, I re-opened my PC Financial debit card, which has no fees.

2. I opened a PC Financial Mastercard. It has no fees, and offers an introductory rate of .97% interest rate on transfers, which will save me around $60.00 a month on interest for the 6-months that it is available.

3. I called Rogers and found a better plan, which actually gives me unlimited minutes and texting along with my who-called feature back, for five dollars less a month.

I should also mention that when you open a PC Mastercard, you get a $20 gift card, so it’s really money back in my pocket. If there was something better than winning gold, this would be it.

Is my hair worth it too?

I usually freeze my credit card.


I put it in a ziplock bag, fill it with water and put it in the freezer.  That way, I have to reallllly think about if I want something before I unfreeze it. This strategy has worked really well for me. I used to always be in credit debt, between $500-$1500, and it was always from shopping, Starbucks, vacation–basically fun stuff I couldn’t afford.

I decided I was sick of being in debt and the anxiety that went along with it, so paid it off and stuck my card in the freezer for months. Since then I have been successfully living off cash.

A few weeks ago I decided that I had reformed my ways enough to unfreeze my credit card. It sat on my dresser for a week, before moving into my wallet. I figured I could handle it.

Well, I learnt, I can’t.

The other day , I decided I wanted  a clampless curling iron. I’ve wanted one for a while, but since I already have 2 conair curling irons and NATURALLY CURLY HAIR, I’ve restrained myself. But the other day, something came over me, like a woman in the throes of PMS who walks a mile to get a chocolate bar, and I logged on to and bought a curling iron.

I do not make impulsive decisions. I think things out. I research things. I read reviews. I deliberate for months, sometimes.  And yet, for some unknown reason, I decided I wanted shiny, loose, Victoria Secret waves that would last all day and that buying a $119 curling iron (USD), was the only way to get me there. Something went through my mind, probably thanks to five decades of L’oreal marketing convincing me that, dammit, I AM worth it!  I deserve curls that take 25 min to create but look like I just had rough sex!

I chose the top rated one on the site, the Sedu curling iron, because it was “BRAND NEW! The New Sedu Revolution Clipless Curling Iron takes curling to a new level.” And I figured, I  might as well get the best. I didn’t listen to Jenn when she told me she bought her curling iron at the mall for $99. No, No. Instead I decided that I wanted ” long lasting curls and voluminous waves that are frizz-free, shiny and long lasting,” and this particular curling iron must just be that much better. I’m pretty sure hers is just as good though. Maybe it doesn’t have auto-shut off though…(ooo maybe this iron will one-day save my appt from burning down?? Then it would have been worth it)

So, convinced by all the marketing, that seemed to speak directly to my hair soul, I entered my credit card number, agreed to an extra $19 in shipping, and hit “buy”. Why oh why?

It arrived today at my work, and I had to pay an extra $10 in “broker” fee (wtf is that anyways?) and 13%HST. For a grand total of $166.

My curls better be freakin awesome– and I’m putting my credit card back in the freezer tonight.

Welcome to our PF Journey


We’re Danielle and Jenn. We’re no experts in personal finance– but you’re probably not either. So teach us and learn from us as we detail our financial adventures from saving and budgeting, to choosing between sushi and a haircut.  Since no one taught us in school (and judging by the fact that Canadians have record-high level debt, they would have done a bad job anyways) we want to learn how to make the funds we have go the farthest, while still enjoying our 20-something lives.

Danielle is a journalism grad student and likes to intern for free in her spare time. She pays her rent and feeds herself by taking every random part-time job she can find such as: teaching assistant, bartending, tutoring, stuffing envelopes and freelance writing. She regularly dips into her savings, which she earned during her year “on” between undergrad and grad.   Thankfully, she is out of debt, but desperately wants to stay that way. This is difficult since her income is close to zero and she has a penchant for expensive bronzers, lattes, cotton dresses and free-range eggs.


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