Frugal February Challenge

The first couple of months at the start of a new year can be challenging budget-wise; most of us are still recovering from Christmas expenses so we spend most of January playing catch up and falling behind on other bills.

We want to help you break the debt cycle. Welcome to Frugal February.

As the name suggests, we’ve got some suggestions and tips to help you save money this February so you can pay down your debt and hopefully put some money aside too.

The rules are simple and even sticking to just half of them will have a positive impact on your finances:

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How to Space out Your Christmas Shopping (Yes, We Know it’s Halloween)

christmas shopping

The leaves outside are changing colours, jack o’lanterns sit on every porch, and kids dressed up in wacky costumes are parading through the streets. Yes, it’s finally October 31st. Which in our opinion, is the perfect time to start talking about Christmas shopping.

Yes, you read that right. While it might seem counterintuitive to start talking about a completely different holiday on Halloween, we think our reasoning is pretty solid: just living day to day on a budget is hard enough and it only becomes more stressful and difficult to manage when you throw in shopping for Christmas (or Hanukkah, of course) presents.

That’s why it’s important to plan ahead and start looking for gifts earlier as opposed to later. Here are some of our tips to help you conquer your Christmas shopping this year without digging yourself deeper into a debt hole.

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When Should You Call Your Bank?


No matter what bank you’re with, most credit and debit cards have a couple of things in common – they all have a unique card number, a 3 digit card security code on the back, a blank space for the cardholder’s signature, and two phone numbers – a customer service number you can call locally and another international number to call your bank when you’re out of the country.

So when should you call your bank? Do you really need to wait until you’re dealing with an emergency or are there other occasions that warrant you giving them a call?

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