How I Minimize Expenses
I’ve been focusing on minimizing expenses from all sources and found a few effective ways. I’m sharing in hopes that it helps someone out there.
No paid streaming services. I use CBC Gem which has tons of good content and no ads. The local library also gives access to other streaming services for free. Gem and your library should be plenty.
I got rid of Roger’s internet and signed up for Oxio. The initial switch took my internet cost from $140 to $90. I then used the oxio referral code to get months of free internet. I signed up everyone that I know and even strangers that I met. You get one free month per person.
Food delivery only when deals compound. I use skipthedishes with a CIBC card to eliminate delivery fee. Then stick to buy one get one deals and stack other coupons on top . Right now there is a coupon for 50% off. Pizza is often the best option because I can get a ton of it for $20. I have a week’s worth of really good pizza that I paid $23 for in my fridge/freezer right now.
Ethnic grocery stores save a lot of money especially on produce and meat. My favourite is Basha Foods in Calgary but you’ll have options in any major city. This has cut my grocery bill to $40 a week.
Using an AI chat to find free events and entertainment. There are a lot of free events that are really fun and you get to meet new people without spending money.
If you don’t drive a lot, use a pay per mile insurance. I pay $1400 a year to insure a vehicle in Alberta (the most expensive province).
Using Fee Assistance programs. Calgary has a program where you get extremely discounted passes to rec centers, discounted concert and theatre tickets, subsidized transit, and more. Once you are accepted into this, you can get extremely discounted vet care as well. Other cities have programs as well so check yours.
I hope this helps!