Whether you’re a student, young professional, or savvy parent, we can always be smarter about how we spend and save money in Canada. With rising inflation and higher living costs, it’s more important than ever to make intentional financial decisions. This guide is intended to list the little money-saving hacks I take advantage of for covering banking, groceries, bills, and more — and includes some referral codes to help you get started also!
1. Slash your utility and subscription bills
1.1 Use Chexy to pay rent, condo fees and fixed monthly bills with your credit cards
Take advantage of your credit card rewards on rent, condo fees and more.
Chexy charges a small processing fee, but it can be worth it if you’re meeting minimum spend requirements and maximizing your credit card’s rewards.
Chexy Referral Bonus: Earn $15 after you complete your first payment using this link: https://app.chexy.co?ref=hPA4YQrkbqU0BxNnV4Zot4Pg1zu2
1.2 Public Mobile offers affordable Canadian mobile plans that also reward you
Runs on the TELUS network and plans starting around $20/month.
Public Mobile Referral Bonus: Use code 53KNR4 to earn a one-time $10 bill credit when you successfully join. Link for convenience: https://publicmobile.ca/en/bc/plans?referral=53KNR4
2. Smarter ways to spend money
2.1 Use Wise to save on international money transfers or when spending in foreign currencies
Wise offers a multi-currency account where you can hold, send, receive, and convert money in 40+ currencies—including CAD, USD, and JPY—with transparent, low fees. Perfect for travellers, expats and freelancers.
Wise Referral Perk: Get a fee‑free transfer up to CAD$800 when you join using this link: https://wise.com/invite/drhc/jeffreybrianl
3. Cost saving transportation
3.1 Modo car share when you need a vehicle without owning one
Modo is a member-owned car-sharing co-op operating in BC.
How It Works
You book a vehicle online or via the app, pick it up from its designated parking spot, and return it there once you’re done. Payment is based on the time and distance you use.
Modo Referral Bonus: Use code REF159NJKPN to receive $40 in driving credits when you successfully signup. Link for convenience: https://bookit.modo.coop/orientation/sign_up?ref=REF159NJKPN
3.2 Evo car share for flexible one way trips
Evo is BC Automobile Association’s one-way car-sharing service in Greater Vancouver offering Toyota Prius hybrids and Kia Niro EVs equipped with ski and bike racks. Trips are charged per minute, hour, or day, fuel, insurance, parking, and unlimited kilometers are all included in the price—no surprise charges.
Evo Referral Bonus: Use code XHZNFX5X to join Evo for free and get $25.00 of free drive time.
Saving money is all about being proactive — whether it’s choosing the right credit card, snagging deals, or automating your investments. I hope the referral bonuses above can help you in your savings journey and put more money back in your pocket.
Have a tip of your own? Leave a comment below or share this post with your friends and family.