In this time of increasing costs, falling markets and ever growing global financial instability, people are looking inward to reduce their household costs to make their hard earned dollar work the hardest for them. Here are six clear and easy steps/changes to make to help you save hundreds if not $1000's a year.
I'll outline six things to change below in your daily spending that will help you with your daily expenses. Do one or more of these and it will save you dollars daily and get you back on track. Follow the links to read more info about each of these.
There are referral codes for some of the items below, feel free to use them if you want, completely up to you. All of these products are things that my family and I use, I wouldn't vouch for them nor write a blog post about them if I didn't trust them to provide me top quality service and for us to put our money in.
Banking
WealthSimple is a full frills, zero fee, full service bank who actually pays you. Yes, your read that right, most if not all banks pay you zero interest on your money, WealthSimple pays you a minimum of 1.25% on your daily money. Additionally to this, there is no ATM fees, any and all ATM fees are reimbursed into your account if you get charged any. WealthSimple does checking and savings accounts, CRA tax submission, VISA cards, portfolio management, stock trading and much more all for FREE while paying you. Check out my full review or click the link below to go straight to Wealthsimple.
Mobile Plans
While Fizz Mobile may not be available everywhere across Canada, if you fall into one of their service areas, you must check them out. We currently have four lines with them, costing us less than $100 a month for all of them. My plan consists of:
- 25GB of data that rolls over monthly if I don't use it all.
- Use anywhere in North America with no roaming fees
- Unlimited minuets and unlimited text messages
- Voicemail
All of this for $24/month, a price that cant be beaten. Often they will lower their prices too and give you the newer, lower price. Check out my full review or click the link below to go straight to Fizz Mobile.
Internet
The standout advantage is clear with eBox, you get premium, high-speed internet without the typical “promo pricing” traps or long-term contracts. Plans are competitively priced, often $15–$30 cheaper than comparable offerings, and include unlimited data and modern equipment, making it a strong fit for streaming, remote work, and smart homes. Also if you are like me and have a more advanced home network, you can use your own termination equipment too.
I'm currently paying $55/month for 1000 Mbps (1 GB), unlimited uploads and downloads on fibre infrastructure. Check out my full review or click the link below to go straight to eBox.
Insurance - Home and Car
SquareOne Insurance offers a flexible, affordable approach to home and car insurance with fully customizable coverage. Its quick online setup and transparent pricing make it easy to tailor a policy to your needs without overpaying. While it delivers strong value. Overall, it’s a smart, modern option for those comfortable managing insurance online. We've used SquareOne for about 10 years now and have had zero issues, we've even had claims in that time on the house and car.
You can make some money just by getting a quote, receive a $10 Amazon gift card when you take the simple step of getting a quote. Check out my full review or click the link below to go straight to SquareOne Insurance.
Budgeting
Budgeting makes you aware of where your money is leaking. From small drips to major leaks, it all adds up and can make a real mess and loss of your hard earned cash.
Goodbudget transforms budgeting from a chore into a proactive, structured system by using the digital envelope method allocating money to categories before spending. The app’s intuitive setup, customizable envelopes, and detailed tracking make it easy to stay in control of finances and plan for both everyday and long-term expenses.
While it requires consistent manual input, this hands-on approach builds stronger awareness and discipline around spending. Overall, it’s a powerful, practical tool that not only improves financial organization but also reduces stress and builds long-term confidence with money. Available on the web and app versions for your devices, there is no reason why you cant stay on top of it.
They have a free version that limits you to a set number of envelopes or you can opt for the paid version with unlimited envelopes. Check out my full review or click the link below to go straight to Goodbudget.
Fix your own crap
Fixing your own stuff whether it’s a washer, a leaky faucet, or a loose hinge, is one of the most underrated ways to save money. Small DIY repairs can cost just a few dollars in parts, compared to hundreds in labour if you call a professional. Even better, tackling issues early prevents them from turning into expensive problems like a simple drip becoming major water damage, much like your money leaks.
Beyond the savings, there’s real value in learning how things work. Each fix builds confidence, reduces waste, and keeps perfectly good items out of the landfill. You don’t need to be an expert just willing to try, learn, and troubleshoot. Over time, those small wins add up to hundreds or even thousands saved every year, all while giving you more control over your home and budget.
Check out my step-by-step fixing of our washer recently that saved me ~$500.
Closing
Fixing your financial leaks isn’t about cutting everything you enjoy it’s about becoming intentional with where your money goes. The small, everyday expenses that seem harmless are often the ones quietly holding you back, adding up to hundreds or even thousands over time. Once you take the time to identify and plug these leaks, you create immediate breathing room in your budget and set yourself up for stronger savings, investing, and long-term financial growth. Start small, stay consistent, and remember: it’s not about perfection, it’s about progress and keeping more of what you earn.
