Jul 9 | Canada Deals
Get the Fisher-Price Power Wheels Shimmer & Shine Lil’ Quad from Amazon.ca for only $68! (reg. $129). Here are some details:
- All revved up for magical adventures, with sweet Shimmer and Shine colors and graphics And Toddler-friendly features
- Built-in footrests provide a safe, comfortable ride
- Push-button operation for easy stop and go
- 2 mph (3.2 km/h) max. forward only and Drives on hard surfaces and grass
- Includes 6-volt battery and charger
Shop online at Amazon.ca here.
Jul 9 | Canada Deals
They see me rollin’… 😀
Have an upcoming vacation but the kids need some luggage? The Skip Hop Zoo Little Kid & Toddler Rolling Lady Bug Luggage is only $29.99 from Amazon.ca for Prime Members! (reg. $48.99). Here are some details:
- Front zip pocket keeps favorite things in easy reach
- Removable, adjustable “parent” strap
- Back loop keeps shoulder strap tucked away
- Retractable 13-inch handle for easy carry-on; Elastic mesh bottle pocketSturdy poly-canvas fabric
- Size (L x W x H)): Total product- 12.5 x 7 x 18-Inch; Bag: 12 x 5.5 x 16-Inch
Shop online at Amazon.ca here.
The Darby Dog luggage is also on sale for $29.99 fro Prime Members.
Jul 9 | Freebies
If you are looking for a fun activity to do with the family, The Home Depot has got a great workshop for kids that will teach them about building. Kids can learn how to build their very own fishing game out of wood!
When: Saturday, July 14, 2018 at 10am – 12pm
Find all the details here.
Jul 9 | Canada Deals
Spend a lot of time outside in the Summer? Bring your own shade to the beach or sporting events! Get the SKLZ Sport Brella Extra Large Umbrella from Amazon.ca for only $68.11. (reg. $105). Here are some details:
- Quick shade protection from sun, wind and rain
- Easiest setup sun shelter available thanks to folding umbrella action, Rugged umbrella structure with side flaps for full cover protection
- Top wind vents and side zippered windows for efficient airflow. Telescoping pole with plastic tip held in place by lever
- Maximum sun protection UPF 50+ and water repellent, Protects over 99.5-Percent of UVA and UVB rays
- Internal pockets for stakes, valuables and gear, Includes convenient carry bag plus tethers and ground stakes for extra stability.
Shop online at Amazon.ca here.
Jul 7 | Canada Deals
So you all are probably smarter than me, but I just learned the greatest beach hack that involves baby powder. Baby powder, when sprinkled over feet/legs, is incredibly effective at removing sand! Keep your vehicle sand free this summer by investing in a big bottle of baby powder.
Thankfully, I have a deal on baby powder for you so it’s not actually a huge investment. ;). Get a big bottle of Johnson’s Cornstarch Baby Powder with Aloe Vera and Vitamin E for only $3.97. (reg. $6.49.) Here are some details:
- Helps keep skin feeling comfortable
- For babies’ delicate skin
- Pure cornstarch with aloe and vitamin E
Shop online at Amazon.ca here.
Jul 6 | Canada Deals
Walmart Canada’s Summer Saving Event is on now! Among the deals, you find the PAW Patrol on A Roll Marshall Toy Vehicle with Action Figure on sale for just $10! (reg. $19.94.) Here are some details:
- This pup and vehicle combination is loaded with transforming action!
- With his extending fire ladder and real working wheels, Marshall can race to the rescue.
- Get fired up with Marshall as you listen to real sound effects and phrases straight from the PAW Patrol TV show!
- Learn all about adventure, bravery and teamwork as you rush to the ruff-ruff rescue.
- Together, your child’s imagination will be lit up fun and incredible adventures! Because no job is too big and no pup is too small with On-A-Roll Marshall and his Firetruck!
Shop online at Walmart Canada here.
See all of the Summer Savings Event deals here.
Jul 6 | Canada Deals
Need summer socks? Look no further than this 6 pack of Fruit of the Loom Women’s No Show Socks that is only $9.99 from Amazon.ca. Here are some details:
- 98% Polyester/2% Spandex
- Pull On closure
- Machine Wash
- Engineered arch support.
- Flat knit construction reduces bulk and ensures a snug, lightweight fit.
- Made from ultra soft yarns.
- 6 pairs per package
Shop online at Amazon.ca here.
Or, check out this 6 pack of New Balance Lifestyle No Show Socks that is only $13.78.
Jul 6 | Coupons, Printable Coupons
The Simply Frugal SmartSource printable coupon page has been updated with new coupons!
- Save $3.00 when you buy any two Tide, Gain, Downy, Bounce or Ivory Snow Products
- Save $2.00 when you buy any one Tide Pods, Gain flings!, Gain Botanique or Tide purclean Product
- Save $1.00 when you buy any one Tide, Gain, Downy, Bounce or Ivory Snow Product
To get these coupons, search for the brand “Fabric Care”.
Print your coupons from SmartSource here.
Limit 2 prints per coupon.
Jul 6 | Money Saving Tips, Budgeting, Frugal Living
This post is a sponsored post by Sun Life Financial written By Brenda Spiering. See my disclosure policy here.
Saving for retirement is likely one of your top financial priorities. But did you know that how you save can be nearly as important as how much you save? Choosing the right retirement savings account can have a huge impact both on how much money you save and how much tax you pay. So, how do you choose the best type of account?
How to choose the right retirement savings account
When to choose an RRSP
When it comes to saving for retirement, RRSPs (Registered Retirement Savings Plans) are pretty hard to beat. Contributions are tax-deductible, investments grow on a tax-free basis within the plan, and RRSP funds aren’t subject to tax till they’re withdrawn from the plan.
If you expect your current income is going to be greater than your income in retirement, an RRSP is a great option. It will provide you with a tax deduction that can help reduce your current income taxes. Plus, if you’re in a lower tax bracket when you draw the money out, it can help reduce the overall amount of income tax you pay.
When to choose a TFSA
TFSAs (Tax-Free Savings Accounts) are a great retirement savings account option if you’ve maxed out your RRSP. While you won’t get to claim your contributions as a tax deduction, the investment growth is tax-sheltered and there’s no tax payable on withdrawals.
The fact that withdrawals from a TFSA are not subject to income tax also provides an advantage if you expect your income in retirement to be greater than your current income, since TFSA withdrawals do not reduce income-tested benefits like old age security benefits. Also, unlike RRSPs that you can no longer contribute to after Dec. 31 of the year in which you turn age 71 (or, in the case of a spousal RRSP, the year in which your spouse turns age 71), you can continue to contribute to a TFSA as long as you wish.
How much can you contribute?
Both RRSPs and TFSAs have contribution limits. In the case of RRSPs, you can contribute up to 18% of your previous year’s earned income up to the maximum limit set each year by the Canada Revenue Agency (CRA) ($26,230 for 2018), plus any unused contribution room carried forward from prior years.
Since 2016, the annual maximum contribution limit for TFSAs has been $5,500, however, you can also contribute for any past years in which you didn’t contribute, back to 2009 when TFSAs were first introduced. If you’ve never contributed before, you’re currently eligible to contribute a maximum of $57,500.
A great way to determine how much you need to save for retirement is to use a Retirement Savings Calculator. It can help you set an annual savings goal based on your current age, expected retirement age and desired income in retirement. Plus, it can show you the impact of contributing to different types of retirement savings accounts.
To learn more about smart ways to save for retirement, sign up for the Sun Life Saving for Retirement email series.
