Start Automatic Savings Program With ING Direct & Get $25

Decide how much you want to put aside on a regular basis (weekly, bi-weekly or monthly) and the ING Direct Automatic Savings Program [ASP] will move your money from your other bank into your ING DIRECT Account automatically. Saving money never been easier, and even small amounts add up fast (just think about your penny bucket).

Set up an ASP before August 16, 2010 in your ING Direct account and they will deposit a $25 Bonus! There are always restrictions, you have to put away minimum $100 per month for 6 months.

Visit ingdirect.ca and click on ASP symbol on the control panel.

'A penny saved is a dollar earned.' ~ by B. Franklin

Wellness Printable Coupons from Zellers

ZELLERS IS HELPING YOU SAVE MONEY ON YOUR WELLNESS NEEDS.

Download and print coupons for savings on wellness products from Zellers. Each coupon is in PDF format. All you have to do is download them to your computer, print them and use them. You have choice to download separately each coupon, or all 12 of them at once.

Here is list of all the coupons.

Save $1 off Envirocare Premium Paper Products
Save $2 off Immunity FX
Save $1 off Jamieson Sunshine Vitamins
Free OneTouch Blood Glucose Meter
Save $1 off Quest Lifestages Multis
Save $2 off Reactine Non-Drowsy Allergy
Save $1.25 off Voltaren Emulgel
Save $1 off Webber Naturals PGX Daily
Save $2 at Zeller's Family Restaurant

HBC 5,000 Reward Points January - June 2010
HBC 5,000 Reward Points July - December 2010
HBC 10,000 Reward Points January - March 2010

Total Savings $10.25 Cad, and 20,000 HBC Reward Points.

Reduce The Amount Of Income Tax With Registered Retirement Savings Plan RRSP

What is an RRSP? RRSP is a registered Retirement Savings Plan. It is an investment account registered with Government of Canada and designed for savings toward individual's retirement years. RRSP has special tax benefits. By contributing to RRSP individuals can reduce the amount of income tax to be paid every year. That is if you contribute enough you can bring your income to the lower income tax bracket. Note that there is maximum you can contribute every year. This information can be collected from the individuals Income Tax Notice of Assessment issued every fiscal year.

The money you put away has tax-deferred growth potential. That is individual can invest that money every year, grow and will not have to pay tax on the profits in the account. It is tax sheltered but until individual decides to withdraw this money, usually when retired. Note that contribution can only be made by the individual who is earning income taxable in Canada. This includes individual's salary, self-employed income, rental income. Check with your RRSP provider or Canada Revenue Agency CRA for other options. To invest in RRSP you can do that through most of banks in Canada, trust companies and financial institutions.

Invest in Registered Education Savings Plan (RESP) & Your Child Could Receive Up To $500 In Grant

Canada Education Savings Grant (CESG) - a grant from the Government of Canada which encourages Canadian families to start saving for children's education after high school.

Registered Education Savings Plan (RESP) - a registered account where you can start savings for your child's future education. This account can be opened at almost any financial institution. For the certain amount invested every year, government can pay up to $500 Cad in grant into this registered account. The Canada Education Savings Grant applies to all children up to age 17, that are Canadian citizens and have RESP account. Note, special rules apply for children between ages 15 and 17.

How To Get the Canada Education Savings Grant?
1) Get a Social Insurance Number (SIN). Note, there is no age restrictions who can have the SIN number, even baby can get one.
2) Open a RESP account with a financial institution such as bank or credit union. Some certified financial planners or group plan dealers can do that for you too.

Facts About RESP
1) RESP is a special savings account registered with the Government of Canada.
2) RESP money can be invested. Consult your financial institution to obtain the best interest rate. You will not be charged on the interest the account makes, and child can usually withdraw this money tax-free.
3) Every penny counts. For any amount you invest in child's RESP, the child will receive grant.
4) Not only parents, but friends and family can contribute to your child's RESP.
5) The sooner you start, the more you will save for your child's future education.

How Much Grant Your Child Will Receive?
On the first $500 parent saves in child's RESP, you can receive:
- up to $200 for the family with net income* of $37,885 or less
- up to $150 for the family with net income* between $37,885 and $75,769
- up to $100 for the family with net income* of $75,769 or more
*Income amounts are for 2008. Family income's are updated every year, check with Government of Canada.

Note, the maximum grant a child can receive is between $500 and $600 per year, and the life time total of $7,200.

For more information you can call 1 800 O-Canada (1-800-622-6232)

FREE Clover Leaf Tuna - Complete Survey

Clover Leaf offers free Clover Leaf Tuna coupon if you complete quick survey on their web site. If you are member all you have to do is sign in and on the right bottom menu click on the survey. Complete and they will send you a free product coupon for one of their tuna products. If you are not a member, you will need to complete a membership form, its also free. Click here.

Approximate Cost of Clover Leaf product - $ 1.00 - 2.00 CAD
Savings - $ 1.00 - 2.00 CAD

EXPIRY DATE: Unknown

Remove Your Refrigerator For FREE - Great Refrigerator Roundup Program

PowerStream and Ontario Power Authority will take away your old refrigerator for FREE. Not just take away from your property, but take it out from your basement.

Many of us have second fridge in the basement wasting up to $150 CAD per year in electricity. If you find that you are not fully using it, you can dispose it with help from every kilo watt counts. You can make the pick up appointment online at www.everykilowattcounts.com/roundup. Some conditions may apply. Your fridge will be disposed in an environmentally responsible matter.

The round up program also offers to take away from you the old window shaker air conditioner or dehumidifier.

Great opportunity to save money on the electricity bill and get rid of the headache.

EXPIRY DATE: Unknown

Deals: Tim Hortons Donut Deal - Only 49 Cents

For a limited time only Tim Hortons is running a Donut Deal! Great deal to start the new year, but also to break diet new years resolutions. However, there is nothing wrong to treat yourself with a donut and especially when it is a good price.

For a limited time, when you buy a fresh cup of coffee or any beverage, you can get any one of our freshly baked donuts for just 49¢ CAD. This offer is 59¢ in Squamish BC, Canmore, Fort McMurray AB, Yukon and Northwest Territories. At participating stores for a limited time. Not valid with any other offer or on bulk beverage purchases. Promotion not applicable to combos.

EXPIRY DATE: Limited Time Offer

Electricity Saving Tip - Cook With Lids

By using newest designs of the pots and pans, and lids you can actually save some some money on the electricity bill.

• When using lids, you reduce amount of steam, so you don't have to run fan.
• When using lids, you can cook on the lower heat, because all the heat is trapped in the pot.
• When using lids, you can also cook faster, that is reducing time of cooking.
• When using lids made of glass, you can reduce number of times you have to look at your cooking food.
  

Recommendations, beside using lids. Try to use energy efficient pots and pans, that have good heat conducting bottoms. And in addition to the above last point, lids made of glass are good so you can see better what is going on, instead of lifting to see. Lots of steam and heat can escape that way.