Friday, November 27, 2015

I was so close to shopping online today ("black friday")

Yep, I almost did it. I almost pulled the trigger on a couple of sites today. I had stuff in the carts, but I closed the tabs before I pulled out the credit card.

The first cart contained a couple of "ugly christmas sweaters" for Bean and I, and they weren't even that ugly. The one for me was pretty cute, and since it was pink and black, I could wear it year round. I knew Bean would get a kick out of the one I picked out for him.

The second cart was for skincare, my most favourite thing to splurge on. I'm almost out of my $55 serum, and I saw an email for some sample primers at a great price. I needed to add only $2 more to get bonus points, so I picked out a new face wash.

I scrutinized my purchases a few times, and read a couple of reviews of the primers. I needed to make sure the cosmetics company was cruelty-free.

And then I clicked "x," twice.

And went to heat up my ramen noodles for lunch.

I also figured out how to file a dispute with amazon, since something Bean asked me to order for him at the beginning of October never showed up. He gave me cash for it and everything, and every day is disappointed that our mailbox is full of junk newspapers every day, but no movie tie-in toys for him.

I chose to get a gift card credit on my account, which means that not only did I not buy anything online on "black friday," I actually made a little bit of money.

But this means that I have to spend it at amazon, whom I have been trying to avoid.

This evening I will go to the grocery store and use up my points to purchase toys and cans for a drive I am attending tomorrow. I am determined to get through today without spending a cent.

Monday, November 16, 2015

Yes, I am a PF Geek

One morning last week, I woke up with a little giddy feeling, sort of like it might be my birthday*, or christmas morning, but it wasn't. It was Friday the 13th I think, but that had nothing to do with the feeling.

I was excited because the night before I received an email from Tangerine** telling me that I'm pre-approved for their new cash-back credit card.

As soon as I saw the email on my phone, I went over to the laptop and logged in to accept my acceptance. I was pre-approved for $14 000 but I was able to change it to $7500. I chose this amount because when the new card arrives I will cancel two other credit cards worth $10 000 combined.

We are sometimes told to keep our oldest credit card opened for good credit history, but now that I have a mortgage and car loan in place, I'm not too worried about what my credit rating looks like. I hopefully will not be opening too many more credit products after this.

I'm excited for this card to show up. Not only will it allow me to close out two other cards taking up space in my wallet and life, but it also gives 2% cash back on three spending categories of my choosing. I chose groceries, fuel, and restaurants.

I calculated that I will earn $8 to $10 a month with this card. Remember the days of earning $8 a month in interest in our savings accounts? Actually I don't, because I never had any savings, beyond my (now spent) RRSP. So this is exciting for me. Yes, I am a PF Geek.

*My birthday was actually the week before. Woot!1!

**As always, this is not a sponsored post. I don't care who you bank with, as long as you are not paying any bank fees. That's just dumb. Send me a message if you want my Orange Key to open your own awesome account with them.