The Dough Report

When It's Time to Change Your Car Insurance Coverage

change your car insurance coverageWhile all motorists are required by law to have car insurance, I find that most people can’t be bothered to shop around to make sure they’re getting the right coverage at the best price. If you’re anything like me, you probably haven’t even bothered to change insurance companies since you first started driving.

5 Ways to Save Money in a Relationship

save money datingAn older friend once joked around about how if you want your pockets to jingle, you should stay single. However, once you fall in love it’s difficult to say no to that relationship. While being in a relationship can be costly, the trick is to not go broke just because you’re with someone now.

How to Use Credit Cards to Get the Most out of Grocery Shopping

Save on GroceriesWith the exception of housing, my biggest expense is food. I bet it’s yours too.

What You Need to Know About Getting a Mortgage in Manitoba

mortgage in manitobaWith relatively few rental vacancies in Manitoba (2.4% according to the 2011 National Household Survey) and record low interest rates, it’s no surprise that more and more folks are choosing to purchase their own home by getting a mortgage in Manitoba. Roughly 70% of Manitoban households own the roof over their head with the remaining 30% choosing to rent.

Best Winter Tires for Driving in Canada

best winter tires canadaIf you drive in Canada, chances are you probably have a strong opinion on winter tires, whether you want to or not. Do you really need them? And if so, which ones best fit your lifestyle?

Is Valentine’s Day Worth the Cost?

Valentines day costEach February 14th, millions of men across North America shell out billions of collective dollars to buy everything from flowers to romantic getaways for their girlfriends, wives, and crushes.

How to Get Back on Track with Your New Year Goals

stay on track with new years goals“Tomorrow is the first blank page of a 365-page book. Write a good one.” -- Brad Paisley

6 Ways to Save Money on Food Without Coupons

save money on foodFood is one thing we all have in common. Everyone needs nourishment to live. By that standard, we should spend money to keep our bellies full and forget about the costs. However, savvy shoppers know that good food doesn't always have to come with a high price tag.

How to Shop for a Car Loan

Shop for a Car LoanWhen it comes to buying a car, most of us need a little help. A car loan can help you get the capital you require to make your car purchase.

What You Need to Know About Getting a Mortgage in Ontario

Are you planning on applying for a mortgage in the near future? If you live in Ontario, then you need to read this article before you start home shopping.

How to Build Credit Instead of Drowning in Debt

Build creditEspecially after the holidays, many Canadians find themselves struggling with credit card debt. Add in things like car payments, mortgages, and student loans, and it’s easy to see how the weight of debt can get unmanageable.

4 Things to Teach Your Kids About Money

Teach Kids About MoneyAt what age should you start teaching your kids about money?

#BellLetsTalk: Finances and Mental Health

Bell Lets Talk Mental health and moneyThere has long been a stigma related to mental health issues. However, attitudes in Canada have been changing for the better over the last five years.

How to Ask for a Lower Credit Card Rate

Negotiate Credit card ratesEverything. Is. Negotiable.

How to Lower Your Ontario Car Insurance Premiums

lower ontario car insuranceAre you fed up with spending so much money on car insurance?

4 Signs of a Financial Scam

Avoid Financial scamsIt happens to even the best of us.

What You Need to Know About Getting a Mortgage in Alberta

Alberta MortgagesFor many people, buying a home is a cherished financial and lifestyle goal. Most of us, though, need help buying a home. The Alberta Real Estate Association reports that the average provincial price for homes sold in November 2015 was $385,430. Most of us don't have that kind of cash laying around, so a mortgage is necessary.

Lessons Learned from the Canadian Personal Finance Conference

“I didn’t realize that this was an event for bloggers.”

5 Money Tips for Moving to a New Province

Moving provinces tipsIf you've ever moved - even if it was just a few blocks away - you know that moving can be very expensive and a lot of work. There are deliveries that need to be planned, movers that need to be scheduled, and boxes that need to be packed.

Five Habits That Will Raise Your Life Insurance Rates

bad habits for life insuranceHere’s the scenario: you’re about to apply for life insurance. You’re ready to fill out that form. You’re a bit nervous about what’s going to happen because you’re not sure how the life insurance provider will feel about your health habits.

3 Tips for Choosing the Best Auto Insurance Coverage

How to choose your auto insurance coverageYou’re about to get a car. You’re fed up with borrowing your dad’s car and you don’t want to wait for the bus anymore. You’re making money and it's time for you to start driving on your own.

How to Make the Most of Credit Card Travel Rewards

travel rewards credit cardsWhen I first started collecting credit card rewards, cash back – not travel rewards – was king. I didn’t even want to think about getting on an airplane with a baby or a couple of toddlers. Credit card travel rewards could wait.

4 Tips For Deciding How Much House to Buy

how much space do you need in your new house?Deciding how much house to buy can be tricky. On the one hand, you want as much house as possible. However, you also still want to be able to comfortable afford your other expenses.

Auto Insurance News: The Top 10 Hits of 2015

2015 Auto Insurance News roundupIf there’s one topic that gets our readers raring, it’s almost any update in the auto or car insurance industry.

How to Prepare for Tax Time

Prepare for tax timeIf you’re like most people, the idea of doing taxes sends shivers down your spine. In fact, just looking at your tax slips, with all the boxes and numbers can make you swear to hire a tax guy next year to do everything for you.

How to Decide How Much Life Insurance You Need

How much life insurance do I needHow much life insurance do you really need?

What You Need to Know About Elder Care

financial care for elderlyJanuary is Alzheimer’s Awareness Month here in Canada, an event sponsored by the Alzheimer Society of Canada. The purpose of the month is to raise awareness for all forms of dementia, which is a serious problem.

How to Shop for Cheap Car Insurance in Ontario

Find CHeap Auto Insurance in OntarioThere are a few different ways to shop around for cheap car insurance in Ontario. Some of them are helpful and some of them are a total waste of time.

3 Tips for Breaking Down Your Financial Goals

Tips fo achieving big financial goalsIt's never a bad thing to have ambitious financial goals. Ideas of paying off thousands of dollars of credit card debt, or saving up six months' worth of expenses are good things.

3 Best Credit Card Tips for the New Year

New year credit card tipsThe champagne is finished, the friends have left, and all you’re left with is a bit of a hangover -- and not just from the alcohol. This is when all the holiday credit card bills come in and reality hits home: I spent how much on gifts this year?

College students: How to travel if you’re broke

Travel for cheap as a student“Man cannot discover new oceans unless he has the courage to lose sight of the shore.” – Andre Gide

How to Start 2016 the Right Way

Rich and FitHere comes another year. Chances are, you’re one of the thousands of people hoping to make New Year resolutions that will enrich your life. But what can you really do to start 2016 the right way?

How to Combine Finances With Your Significant Other

Combine finances as a coupleOnce the excitement of a new romance has worn off it’s time to face the paperwork that is merging bank accounts. While it doesn’t make sense for every couple to combine finances, it can be a good choice in some cases.

Year in Review: Community Efforts in 2015

Lowest Rates in the Community 2015Here at, we think community efforts are important. We love participating in our community, as well as encouraging readers and consumers to share with us. Our initiatives to give back, as well as the giveaways we host, allow us to connect with you and with others in the community.

Start the New Year Right with the Best Money Advice from Our Blog

Lowest Rates 2015 RoundupThe last week of December is traditionally a time to take a look back at the year that was. In that spirit, we’ve rounded up the blog posts that resonated with our readers the most.

How to Save Money, Have Fun and Enjoy a Safe New Year Celebration

TIps for New Year's EveNew Year’s Eve is tomorrow, and many of us have plans to ring in another year with family and friends. Unfortunately, New Year’s Eve can be expensive, depending on what you end up doing.

How to Perform an Insurance Check up for the New Year

Yearly Insurance ReviewThe end of the year means it's time to re-evaluate everything in our lives from relationships and health to finances and careers.

8 steps for setting financial goals in the New Year

Financial New Year ResolutionsDuring the holiday season, many of us spend time reflecting on ways to boost our finances in the New Year. January usually begins with good intentions, making New Year’s resolutions that we stick with for a few weeks or months before ending up right back where we started.

5 Tips To Help You Enjoy Christmas This Year

Christmas hackingYes, it’s that time of the year again. The malls are going to be swamped and you’re going to be hearing Christmas tunes everywhere. In between stressing about shopping for gifts and trying to figure out how to get out of that party that you really don’t want to attend, chances are that the holidays will pass you by pretty quickly.

My Favourite Holiday Tradition: Elf on the Shelf

Tom Drake's Holiday TraditionThe holiday season seems more magical when you have kids. As a result, it makes sense to create an environment of fun all season long. If you can get the kids involved for the entire month of December, it makes the entire holiday season that much more fun. That's why one of my favourite holiday traditions is Elf on the Shelf.

3 Tips for Shopping Around for Cheap Car Insurance

Shopping Around for Car InsuranceShopping for car insurance is one of those tedious things, like visiting the dentist, that people ought to do every year but often put off. Also like visiting the dentist, shopping for car insurance means paying a hefty bill at the end of the process. Unless you’re a smart shopper, you can end up paying more than you need to.

Be Careful: These 5 things will Increase Home Insurance Premiums

Things that increase home insuranceThese days, it seems like the average Canadian homeowner is easily paying more than $100 per month in home insurance. It can be a big part of someone’s budget, especially for first time home buyers.

My Favourite Holiday Tradition: Pine-scented Memories

Holiday TraditionsThe best things in life are free. The same principle holds true when it comes to Christmas trees.

College Student Car Insurance: What You Need to Know

Student Car Insurance“Why’s my insurance quote so ridiculous?”

How to Save Money on Last Minute Holiday Gifts

Last Minute Holiday ShoppingAre you one of those people who’s been so busy that you just realized that Christmas is only a few days away? Are you frozen with fear at the thought of visiting the mall this weekend, knowing full well that hundreds of other people are in the same situation as you? Are you scouring the internet for last minute gift ideas that won’t break the bank?

How to Make Extra Money While in College

Make Money at CollegeCollege students are known for being broke and living off scraps. We all remember college as the time in our lives where we were dirt poor. The reality is that you don’t have to be flat broke in college. You can make some extra cash so that you can afford a few extra concerts and even a trip.

Are you ready to #EscapeWinter?

Escape WinterAs the weather gets colder and the days become drearier, many of us want to head to warmer climes.

5 Reasons your Credit Matters

5 Reasons Your Credit MattersCredit scores definitely aren’t a sexy part of personal finance. It’s easy to get excited about paying off debt or hitting new net worth milestones. The only time someone cares about their credit score is when they’re applying for a mortgage.

Understanding the New Down Payment Rules

Since the financial crisis of 2008, Canadian policymakers have been concerned about the accelerating pace of the housing market. Unlike the US housing market, the Canadian housing market has been rather robust.

Our favourite holiday tradition: Adopt a family at Christmas

Adopt a Family this ChristmasIt’s easy to lose sight of the true meaning of Christmas when you’re combing through Black Friday deals trying to find the perfect gift at the best possible price. Indeed, Canadians plan to spend almost $900 this year on Christmas gifts, decorations, and holiday food.

How to Get the Best Low Interest Credit Card Rates

Low Rate Credit CardsAre you looking for a better credit card rate? Are you fed up with dealing with your high interest rate?

How You Can Afford to Chase Your Dreams

Save Up for Your DreamsDo you want to chase a wild dream? Is there an outlandish idea out there that you would love to chase?

When You Should Get a Car Loan Instead of Paying Cash

Why car loans are better than cashIt seems like every personal finance guru agrees. If you’re looking to buy a new car, you should start saving diligently before you need it, to ensure you have the cash on hand to purchase it when the time comes.

But maybe the gurus are wrong. Here’s the logic in taking the car loan instead of paying cash.

What You Need to Know About Your First Mortgage

Understanding Your First MortgageMortgage contracts rank right up there with the cell phone provider’s terms and conditions on most people’s reading list.

Unfortunately, as the document that controls the purchase and security of the largest asset you will likely ever own – your house – an understanding of your mortgage contract is essential to feeling confident in your overall financial well-being.

4 Winter Car Maintenance Tips

Winter Car MaintenanceIf you live in Canada, you know how awful the winter season can be for your car. You also know how important it is to drive in the winter because you don’t want to be stuck walking to the bus stop when the snow is up to your ankles and you have to be at work by 8 a.m. I spent far too many winter seasons commuting to school in the snow – and I hated every minute of it.

Buying a home for investment vs. buying a residence

Buying a home for investmentReal estate has been a very popular investment in Canada over the last decade. The values of our houses seem to keep going up and up, which sure does make it easy to make money.

How to Make the Most of Winter Travel

winter travelI don’t know about you, but I love going away in the winter. As soon as I see snow on the ground, I start planning a quick escape so that I can go hang out in the sun somewhere and work on my tan.

Get into the Holiday Spirit with Lowest Rates

My holiday spiritThe holidays are the perfect time of year to enjoy family and friends – and get into the spirit of giving. We want to know how you celebrate the holidays, whether you observe Hanukkah, Christmas, Kwanzaa, the winter solstice, or really, really get into New Year’s Eve.

3 Rewards Credit Card Tips to Make the Most of Holiday Shopping

Christmas creditThe holiday shopping season is officially under way, now that Black Friday is over. Hanukkah is right around the corner and Christmas is fast approaching. As you get into your holiday shopping, you know you're going to pull out the credit cards.

3 Investing Tips for Beginners

Investing for beginners

Once your finances are in order - meaning you've paid off your consumer debts and started spending less than you earn – you might be wondering what to do with your extra money each month.

5 Ways to Get Your Home Ready for Winter

If you haven’t already seen the first snowfall of the year, chances are that you will see it soon. You want to get your home ready for winter before things get too cold. Preparing your home is good practice. Not only is it good for your home, but it can also save you money.

Learning About Money With #LoonieLiteracy

If you follow our blog, you probably already know that November is Financial Literacy Month. A time to get savvy about your spending and get smart about your future. Seeing that we’re in the business of saving Canadians time and money, it’s kind of our favourite month of the year.

5 Tips to Save Money During the Holidays

Black Friday shopping“It’s the most wonderful time of the year” -- especially if you’re a retailer or credit card company!

How to Plan Your Black Friday Shopping for Maximum Benefit

Black Friday shoppingBlack Friday marks one of the biggest days for deal finders and savvy shoppers alike - some even say it's bigger than Boxing Day. Traditionally Black Friday has always been celebrated by our American friends after their Thanksgiving, but in recent years the shopping frenzy has crossed north into Canada.

3 Credit Pitfalls That Students Need to Avoid Like a Hangover

“Can you book the trip for me on your credit card? I have some issues with my credit card from my college days.”

Why I Bought 3 Houses in Less Than 8 Years

Buying houses in stagesBefore I even started working, my dad lectured me about putting my money into property. Fast forward to today: I’d love to buy, but I don’t have a plan for funding my dream house.

Tasty and Cheap Thanksgiving Meals

Even though we celebrated Thanksgiving weeks ago, our neighbours to the south are just getting ready for their celebration. When you’re on a shoestring budget, hosting a big Thanksgiving dinner can seem like an impossible task. Turkeys are expensive, vegetables are out of season, and desserts can be time-consuming to make. But don’t fret my pet, where there’s a will, there’s a way.

Financial Literacy: What You Should Know About the TFSA

The TFSAOne of my favorite financial vehicles is the Tax-Free Savings Account (TFSA). Here in Canada, the government has made it clear that they want to make saving a priority, and the TFSA is one of the best ways to do this.

What You Need to Know About Car Insurance When You Travel to the States

With the weather getting colder, many Canadians are planning trips south of the border. I’m American (don’t hold it against me), and during the fall months I see a lot of Alberta and Saskatchewan plates headed south through my home state of Idaho.

4 Reasons Your Car Insurance Rate is on the Rise

Reasons Your Car Insurance Rate Goes Up“How could my car insurance rate have gone up so much?”

What Men Should Know About Movember

What is Movember?"I need to live life. And I'd hate dying; it would ruin my image." -- Jack LaLanne

How to Get the Best Value from Travel Rewards Credit Cards

“Should I get a travel rewards credit card?”

FLM 2015: #LoonieLiteracy Twitter Chat and Giveaway!

Join us November 25, 2015 for the #LoonieLiteracy Financial Literacy Month tweet chat and giveaway.

What You Need to Know About Leasing a Car

Many of us – especially young people – have been in this situation before: you need a vehicle but can’t afford the down payment on a new car. On top of that, you don’t know any trusted mechanics to help make sure you don’t end up with a lemon of a used car.

4 Ways to Observe Remembrance Day

Remembrance Day is a good time to reflect on the sacrifices of our armed forces, and even civilians, in times of war. The day November 11 was chosen because it marks the end of hostilities for World War I, which was one of the most brutal conflicts of the modern era. It is said that the end of the war was on the 11th hour of the 11th day of the 11th month.

4 Reasons Insurance is Good Financial Defense

November is Financial Literacy Month in Canada and today we're talking all about the benefits of buying insurance. Being financially literate is so important because only when you find all the information and know all of your options can you truly make informed financial decisions.

How to Get a Personal Loan

Get a Personal LoanWhile it doesn’t take a genius to figure out that it is better to have money in your pocket than to owe money to a financial institution (all other factors being equal), there are situations where it makes sense to get a personal loan. Sometimes a loan is needed to smooth over a potential financial rough patch or to take advantage of a great opportunity.

Ontario Drivers: The Winter Tire Discount Isn't a Scam

The Winter Tire Discount Isn't a ScamWinter tires aren’t a sexy topic, but thanks to Ontario’s recent insurance discount, we’re all talking about tires anyway. Yes, I’m looking at you, Facebook users. So we might as well have a serious tire talk.

4 Lies Car Salesmen Tell

4 lies car salesmen tellIn the last 20+ years, the Internet has revolutionized the way we invest, buy travel, read, and a million other things. Man, what a time to be alive.

Financial Literacy: How to Prioritize Your Spending

One of the most important things you can do for your finances is learning how to prioritize your spending. Understanding what matters -- and what doesn't -- can make a big difference in your long-term financial situation.

5 Things You Need to Know Before You Pick Your next Rewards Credit Card

Points! Air Miles! Gift Cards! Cash Back! There are more (and better) rewards credit cards out there than ever before. And while all that selection is a great thing for consumers, finding the right card it isn’t always easy.

What You Need to Know About Travel Insurance

What you need to know about travel insuranceDo you ever get travel insurance? Do you protect your trips just in case?

The Best Jobs for College Students

“Are you sure you should be working all of these hours?”

How did 9/11 affect U.S. insurance?

How did 9/11 affect U.S. insurance?9/11 is one of those moments that everyone who witnessed it will have etched in their memories forever.

A 20-Something's Guide to Buying a Home

Advice for Millenials“I borrowed money to make the down payment on that home so I’m kind of strapped right now.”

How to Decide If a Long-Term Car Loan Is Right for You

Buying a car has never been easier than it is now. Cars are better-built, offer more options and are equipped with enough cutting-edge technology to tempt even the most miserly buyer.

6 Tips to Prevent Credit Card Fraud When Travelling

6 tips to prevent credit card fraud when travellingVacations are meant to be fun and the last thing people want to think are all the ways things can go wrong.

Scary insurance: what you need to know about your home on Halloween

For many of us, Halloween is a time to allow the inner child to let loose. Even though I don’t go trick-or-treating, I do enjoy dressing up as I hand out candy to the neighborhood children.

5 Hard Truths About Selling Your House Privately

What do you do when opportunity knocks? Invite it into your home and then sell. That’s what our co-founder did. Cliff Ritter sold his house privately after an agent knocked on his door and made an offer.

Vanessa’s Wedding Diaries #6: Planning 3 Different Wedding Receptions

In the last wedding diaries post, I mentioned that we’re having three wedding receptions. The reason for this is that, well, the whole reception planning ran away from me a bit.

Lowest Rates Donates Food and Time to the Red Door Family Shelter

Lowest Rates Donates Food and Time to the Red Door Family ShelterAt the end of last week, on Friday, October 16, members of our office staff took about $750 worth of food to the Red Door Family Shelter. We were excited to participate in Food Bank Days at Red Door, and your help on social media helped us exceed our goal of donating $500 worth of groceries.

4 Mistakes People Make When Buying Car Insurance

4 Mistakes People Make When Buying Car InsuranceAuto insurance is just one of those things that you need to have when you buy a car. Convenience might lead you to call up your bank and make a quick and easy coverage decision, but you might want to give that choice more than a minute’s consideration.

What You Need to Know About Your First Job After College

You just got your first job after college. You’re finally making money. You’re not rich and you’re certainly not buying a mansion anytime soon. On the bright side, you’re able to finally put some money aside. You’re finally in the positive.

Join our #MyHalloweenHouse contest and win a Free Tablet!

‘Tis the season for ghosts, ghouls, and ghastly decorated houses! Show off your Halloween spirit for your chance to win an iPad Mini.

4 Frugal Halloween Costumes

4 Cheap DIY Halloween CostumesMy favourite time of year is Halloween. I love the candlelit pumpkins, the scary costumes, and the candy-seeking kids coming to my door. Finding a frugal way to do Halloween is pretty easy unless you love it and want to go all out.

Lowest Rates Excited to Volunteer at Red Door Family Shelter for Food Bank Days

SUpport the Red Door Family ShelterAt Lowest Rates, we believe that we are a part of the offline community – not just a member of the online world. Even though we are a website that provides helpful information and money-saving products to people all over Canada, we do have an office in Toronto, and our core staff resides in the community.

Canadian Travel Hacking Made Simple

Canadian Travel Hacking Made SimpleIf you’ve been paying attention to some of our American neighbors, they’re doing something pretty interesting: by taking advantage of credit card sign-up bonuses, they’re racking up tens of thousands of travel miles, which can then be redeemed for perks like free hotel stays, cheap flights around the world, and other great deals.

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