Win two boxes of each flavour of MadeGood’s Organic vegan bars

Reading Time: 2 mins Get your Veganuary going with this great Vegan prize. The Prize Parents across the UK can breathe a sigh of relief with the help of MadeGood‘s organic granola bars. MadeGood is a totally allergen free granola bar that is safe for kids to eat in schools. The bars are free from the…

Win a CircleDNA test worth £500

Reading Time: 2 mins Unlock your DNA with this super futuristic prize. The Prize CircleDNA is the world’s most comprehensive DNA kit helping you achieve optimal performance in 2020. CircleDNA is designed for those interested in learning more about their genetic make-up, to future-proof their health, and find smarter ways to live. The first and…

Win an Amazon Echo Dot

Reading Time: 2 mins Get Amazon Alexa in your house with this echo dot. The Prize With a small dedicated team based in the East of England who curate the best of the internet’s offers every day, DiscountVouchers’ customers know they can trust us to find the best bargains at their best-loved shops. DiscountVouchers want you…

Addiction, finances, and getting help

Reading Time: 14 mins Addiction is a widespread problem in the UK. From alcohol to sex, shopping to food, addictive behaviour causes destruction to relationships, careers – and finances. This is a comprehensive guide to help you recognise addictive behaviours in yourself or a loved one. We’ll show you how to address and overcome addictions,…

Why uSwitch is the best place to switch your energy

Reading Time: 3 mins uSwitch has been the most reliable place to compare energy deals and save money for years — helping over five million save on their energy bills — but there’s so much more to it than that. Here are just a few reasons why it’s still the best place to switch your…

How to ace the job application process

Reading Time: 2 mins There’s a lot of competition when it comes to landing a job, which is why it’s important to get every detail of the application process correct. What’s more, with online technology, people from all over the world can apply for the same job with the hopes of relocating. You’re up against…

How to make sense of contradictory investment advice

Q. Several investment sources are giving advice that seems contradictory. On the one hand, it is often preached that the key to smart investing is having a long-term view. That is, buy and hold good-quality stocks for long periods of time (10-plus years). It is argued this kind of passive approach, in the end, has…

When should you stop contributing to an RRSP?

Q. I live in Toronto and I’m a single person in my early 50s. I have $165,000 in investments (mutual funds in an RRSP) and $15,000 in savings. About five years ago my financial advisor at one of the Big Five banks advised me to stop contributing to my RRSP and start contributing to a…

A Guide to Guaranteed Investment Certificates (GICs)

Table of Contents What is a GIC? How does a GIC work? Terms and Maturity Withdrawal penalties Types of GICs GIC laddering Are GICs worth it? As the saying goes, it’s better to be safe than sorry. And for investors seeking safety, guaranteed investment certificates (GICs) can be a useful part of your overall financial…

How does income from a rental property create RRSP contribution room?

Q. I understand that net rental income creates RRSP contribution room—so, even as a retiree, I should be able to accumulate additional RRSP room. Does foreign net rental income add to RRSP room? When I do my Canadian taxes using tax preparation software, the reported net foreign rental income doesn’t flow to the net rental…

What to do if you haven’t filed an income tax return

Millions of Canadians file their tax returns late—and if you’re one of them, you may figure that with so many others in the same boat, surely the transgression can’t be too terrible.… Right? Well, no. Assuming you have a refund coming, it’s not a great financial plan to let Canada Revenue Agency (CRA) hold onto…

How to cut costs on international money transfers

While many Canadians know how expensive it can be to send money abroad, they’re likely unaware of how the costs are broken out. But one virtual bank is changing that. EQ Bank has formed a partnership with TransferWise, a global money transfer platform that’s committed to being cheap, fast and transparent. Through this partnership, EQ…