Editor's note: We have a very special gift for you today. Please welcome Anne from UniqueGifter.com as she helps us find 13 affordable last minute Mother's Day gifts.

If you’re buying a house in a popular Canadian city such as Toronto or Vancouver, you’re most likely going to have to deal with the dreaded multiple offer situation. If this happens to you the smart thing to do is politely bow out, otherwise it could end up costing you big time.

Mother’s day is coming and it’s time to buy a card, make brunch reservations and make sure the grandparents are invited to the celebrations. But it’s much more than a day to exchange gifts and make conversation with the family, it’s a time to reflect on what mother’s day actually means. When I think about what my mom has done for me, I think about how she’s helped me become the person I am today. Here are some ways that my mom helped me learn more about money:

“We can’t afford those new shoes right now.”

I really wanted new Nike shoes as a kid. I thought that if I begged enough, my mom would buy them for me. I didn’t realize that the reason I couldn’t have the shows was because my parents couldn’t buy us food if they bought all three boys a $100 pair of shoes each. Looking back, I feel bad for being such a punk as a kid.

Editor's Note: Good morning. We have a special guest for you today. Michelle from Budget Bloggess is here sharing her favourite frugal Mother's Day gift ideas. So often we think finding the perfect gift is about how much money we spend - and that's just not true. When it comes to Mother's Day gift ideas it really is the thought that counts. Please welcome Michelle to the blog and be sure to share your favourite gift ideas on our Facebook page.

You better not be cheap with your mom. This is the one person that you can’t hold out with. You can save money by missing your friend’s birthday party or by staying in one night.

It’s that time of year again, time to spoil mom with some of these DIY gift ideas on her special day:

Happy Friday! Today we have a very special treat for you - we have a HUGE awesome giveaway! Yes that's right, today starts two weeks of Mother's Day craziness here at Lowest Rates and we're kicking it off with over $750 in prizes with our #takeabreak giveaway. Let me say that one more time, there are over $750 in prizes to be won!

Caveat emptor, buyer beware, due diligence -- whatever the term, we all get the basic idea: the onus rests on us, as customers, to understand the product or service we’re purchasing. Canadians usually take this concept to heart when buying big-ticket items like cars, televisions, appliances -- even houses -- but sometimes they don’t do the work they need to when it’s time to get a mortgage. They see a great rate and simply say ‘that’s the one for me’ without paying enough attention to the all-important fine print.

What's in your wallet? What kind of credit card are you using?

Your credit card is one of the most important financial tools in your wallet.