Friday, April 7, 2023

2022: The Year of Personal Decluttering/ Do you want to go to Las Vegas with me?

2015 The Year of the Office Job and Dating (and Decluttering): I was digitizing job articles because I was busy with work and dating.

The life- changing thing was that I was busy with work and dating, and didn't have the time or effort to write my 3 emails/ blog posts a week.


2016 The Year of Decluttering: My sister gave me 200 magazines in 2012 and I read them all once.

S's things: I donated 200 magazines to Value Village. The magazines were Marie Claire, Cosmopolitan, and Teen Vogue (from 2003-2012).

I donated some books that she gave me too. I read them once. She gave me some clothes and I donated to the youth shelter.

95% of the items I donated were hers.

S gave these things to me in 2012 and I owned them for 3 and a half years. When I donated them, I feel like those were S's things.


Jessica's books: She gave me 4 books that she bought and didn't read in 2014. I read them and then donated them to Value Village.

1% of the items I donated were hers. I had these things for a year and a half. When I donated them, I feel like those were Jessica's things.

Tracy's books: I donated some books and they were mainly from Professional Writing in college. I graduated in 2008 and never really looked at them.

4% of the items I donated were mine. I had owned these books for 8 years and I wasn't emotionally attached to them.

Tracy's Professional Writing paper: There were a lot of handouts and they were either recycled or could be used as scrap paper.

My life didn't really change. There were less things that I didn't want, need, or have to keep.


2022: The Year of Personal Decluttering: I wrote in Feb. 2022 about my goals.  This blog post shows my progress.


This is from my Feb. 2022 blog post:

"Shades of vanilla" ("Fifty Shades of Grey")/ "Cinderella meets Prince Harming" ("Fifty Shades Darker")/ Freedom Convoy

Feb. 7, 2022 Scanning apps: Yesterday I posted this on my Facebook page, the Edmonton Screenwriters Facebook page, Edmonton Filmmakers Group Facebook page, and the Edmonton Film Industry Facebook page, and emailed some friends:

I'm posting this here, because the news articles are about writing and filmmaking:
I want to scan all my news articles and save them onto a USB key.
Do you have a scanner that I can come over and use?
I went to the EPL once, and it took awhile to scan a few things and email it to myself or someone else.
I guess I could take a picture of every article, but it doesn't seem as efficient.
I have like a big box of news to scan.
What is the fastest and cheapest way to scan all this?

I would really appreciate it if there is one. Thank you.

My new friend Edmon posted this:

I would check Staples or a local copy shop, and see if they have an automatic sheet-fed scanner...that way you can just feed a stack of your articles into the scanner--and the scanner will scan every article and compile it into a PDF file that can then be saved to your USB stick.

Edmonton Film Industry Facebook page: A stranger posted this:




My opinion: I think I'll use Adobe Scan.

My way is: I find a physical article I like

1. I go on the internet and type the title and writer in Google.
2. I then copy and paste the article onto my email/ blog drafts.

That takes awhile though.

Adobe Scan: I downloaded this onto my tablet.  When I take a picture of a small article, the picture wasn't good.

I tried to log into Adobe Scan with my Facebook, and then connect with my Yahoo account.

There seems to be a technical difficulty.

This is what happens: I try to do something on my own.  If it doesn't work, I ask for help.

May you please try downloading Adobe Scan and see how that works?

This a project/ hobby of mine.  There is no rush or pressure for you to help me.  


Feb. 8, 2022: I can cut and paste the article onto 8 1/2 x 11 scrap paper and then put it in the scanner.


Why are you scanning and archiving/ digitizing your physical news articles right now?

Table Topics Daily: I was asked these questions

What is something you always wanted to do, but haven't done yet?

If you only had 5 yrs to live, what would you do?


1. I would go to Las Vegas: There is a pandemic and it's hard to get back into the country, because you have to provide a negative Covid-19 test 3 days before you are to get in.  It costs time, effort, and money to do the test.


2. I would digitize all my old physical news articles onto a USB key.  I would publish all my emails/ blog posts.  This is good information and it's mainly job articles that has helped me (and readers) learn about how to get a job, etc.

I have digitized nearly all my job articles and they're saved into my email/ blog accounts.  I haven't published all of them yet.

Tracy's blog: "Shades of vanilla" ("Fifty Shades of Grey")/ "Cinderella meets Prince Harming" ("Fifty Shades Darker")/ Freedom Convoy (badcb.blogspot.com)


Oct. 30, 2022: 

1. Las Vegas- I researched some more.  There are a few emails/ blog posts that I haven't sent/ posted yet.

I asked a lot of people if they wanted to come with me.  My parents won't let me go there by myself because it's dangerous.  We can go together, and we don't have to spend the whole time together.  We can leave on different days.  Who wants go to with me?

A. My friend Cham was to go with me, but she went to Disneyland with another friend.

B. I asked Mei and she asked other friends.  They don't want to go there.

C. Anne- Mei said she wanted to go there, but she didn't.

D. Melanie- she said she isn't traveling.

E. My sister S- she doesn't want to go to the US and get Covid there.

F. I have enough money saved.  I plan to go there for 3-5 days.

G. I emailed a couple times to a woman at Travel Guru for how much a trip would cost.

Feb. 20, 2023: 

H. Anastasia- my old boss.  She has been there before, but doesn't want to go there.

I. Miranda- my old co-worker/ friend.  She went there last year with her family.

J. I put this in my Personality Meetup group as an invitation.


"Do you want to go to Las Vegas with me?

My parents won't let me travel there on my own because they're too scared and worried. I can go there with you. We don't have to spend all our time together. We can go home at different times. I just have to go there with someone."

Mar. 20, 2023: 

K. My cousin Jo- she has a two trips planned already.

L. My cousin Je- she has two trips planned already.


My opinion: I didn't really achieve the goal of going there this year. 

Mar. 19, 2023: It's probably a good thing that I didn't travel last year.  I read the business news about how it was busy in summer 2022 and the Canadian winters prevented planes from flying.

There were people stranded, lost luggage, and lots of customer service complaints.


Oct. 30, 2022: 

2. Digitize old physical news articles- I did a lot and sent/ posted the emails/ blog posts. 

A. I mainly reread and recycled a lot of old physical news articles: I pay rent to my parents and they pay for the newspaper subscriptions.  I read and cut out those articles. (2010-2015)

B. I also recycled a few magazine articles- my sister gave me her old magazines. (Early 2000s)

C. There was still some school paper that I turned into scrap paper- my parents paid for the college tuition.  I paid for the college books. (There is some from high school: 2000-2003.  There was a little from college 2004-2005).

This proves that I don't buy things to own.  Or that I don't give away things that I buy to own.

To visualize how much paper I got rid of: here is a box like this and I removed about half of that. 

Heavy Duty Storage File Boxes - 15 x 12 x 10" S-3887 - Uline

My opinion: I definitely achieved this goal, and then some.  This went from digitizing articles to mainly recycling a lot of newspaper articles, magazine articles, and turning school paper into scrap paper.

This is personal decluttering because these are my papers.


Decluttering journal: I wrote one on an email/ blog post in my email/ blog accounts.

Write down the decluttering, organizing, and cleaning you did, and you will be motivated to continue.

You may see changes in your life because of all that cleaning.


Oct. 19, 2022 "Ellen Degeneres: Channing Tatum helped me figure out ‘What That Do?’":


I found this on Facebook about where Ellen shows these items and ask, "What that do?"  The audience then gives their guesses and some are right.

I agree with Ellen at the beginning:

Ellen: Spring time means that it's spring cleaning.  It's that time of year where you get rid of all your stuff and make room for new stuff that you get rid of next spring.
The audience laughs.

Ellen Degeneres. Aug. 17, 2022:
Channing Tatum helped me figure out ‘What That Do?’


My opinion: How about you stop shopping?  Or more like stop buying things to own.


Nov. 29, 2022 Friends:

Table Topics Daily: I found this through Meetup.  This was in the first half of the year where I met them on Zoom.  We were asking each other questions and we had 2 minutes to answer.

Personality Meetup group: I went to one with my friend Cham.  I started attending more and there is a Whatsapp and Discord group chat.


Mar. 31, 2023 My hobbies:

1. Watching TV on my TV.  I hardly ever subscribe to streaming platforms or go on TV channel's websites.

2. Reading the news on the internet.

3. Writing about the above topics on my blog

This isn't really expensive hobbies.  I'm paying for the TV and internet.

Collect news articles: I mainly copy and paste news articles and save them onto my email and blog accounts.  This takes up digital space.

Feb. 1, 2023: I wanted to know this:


 · 
Follow

Is there a limit to how many emails Yahoo Mail can keep in their system?

1TB.

All accounts get 1TB worth of storage. The number of emails that is depends upon the size of each email. If you get a lot of large attachments, for example, or they’re all small emails.

If you are in a web browser, click Settings in the upper right (the cog icon), then click “… More settings” at the bottom

The lower left of the screen, you’ll see the storage limit “1TB” along with a percentage of how much you are using.

Example: Mine currently says

1TB

0.05% used


My opinion: I have over 100,000 emails in my inbox.  I have lots of folders of emails.  I see that I have 0.78% used.


Sept. 6, 2022 "

Blogger Vs. WordPress (2023 Comparison)":

This is by 

Kathy Haan,  Cassie Bottorff on Forbes:


Since 2018, Blogger provides unlimited storage. The amount of storage available with WordPress depends on the host company you use, but 50 GB is standard for most companies. For most people, this is enough. Once your site gets more traffic, you may need to increase the package you pay for, which often comes with unlimited storage and a dedicated server.



Apr. 1, 2023 Free stuff: I find pens, markers, highlighters, and batteries on the street.  I pick them up.  If they work, I keep them.  If they don't, I put them in a bag and recycle them at Staples.


Feb. 14, 2023:

Sustainably Kind Living



This week's theme is about traveling:

"Avoid travel fees"/ "How to afford a vacation when money is tight and costs are rising"

"Protecting yourself from scam artists"/ "How to protect yourself against fraudsters when travelling"

My week:


Mar. 31, 2023 "'Elaborate scam' leaves seniors with high-interest mortgages they didn't want or understand": Today I found this article by Caitlin Taylor, Stephanie Kampf, David Common, Katie Swyers on CBC:


Some seniors are at risk of losing their homes in a scheme involving door-to-door equipment rental contracts, questionable renovations and mortgages worth hundreds of thousands of dollars that many didn't know they had and can't afford, a Marketplace investigation has found.


Each situation is unique, but many seem to follow a general pattern where homeowners — usually seniors — who have previously been duped into various door-to-door HVAC equipment rental contracts are again approached at their homes by people who say they can help the homeowner consolidate their debt. 



In some cases, the homeowners are told they are eligible to receive money back if they buy more equipment or have renovations done on their homes. In reality, their home is used as collateral and they are allegedly tricked into signing mortgage papers that many say they did not understand. 


Funds from the mortgage are deposited into the homeowners' bank accounts, then the same door-to-door people allegedly return, asking the homeowner to write cheques or money wires for those funds, telling them it's to cover the cost of the home renovations. 

The mortgages are usually a one-year term with 25 per cent interest and monthly payments paid up front, which means that in many cases the homeowner does not know they have a mortgage until it comes due a year later. 

It remains unclear who is ultimately responsible for orchestrating the scheme province-wide or if there are multiple parties involved. The Ontario Provincial Police (OPP), through their Serious Fraud Office (SFO) and in collaboration with other police agencies, say they are investigating a similar-sounding scheme, but won't identify the companies or individuals under investigation.   

In January, the SFO sent a statement to Marketplace, stating that the scheme is "complex and multijurisdictional, involving multiple individual complaints across the province." 

'Elaborate scam' leaves seniors with high-interest mortgages they didn't want or understand | CBC News

My opinion: It's a good thing that CBC is reporting about this scam to forewarn people about this.


Apr. 5, 2023 "Grocery chains boost profits by charging different prices for the same stuff": Today I found this article Don Pittis on CBC:


Squeezing for profits

Called "price discrimination" or the "two-price system," it's a long-standing technique used by retailers and service providers to squeeze the most profit out of their customers by selling to different people at different prices.

"The goal is to increase sales and profits," said Jean-Paul Lam, an associate professor of economics at the University of Waterloo in Waterloo, Ont.

For most of us, if we think about how grocery stores set their prices at all, we likely imagine it as pretty simple: Retailers see how much their suppliers are charging, then they tack on some percentage markup to cover their own costs. But that's not how pricing works.

Instead, retailers use their different branded stores to charge a range of prices from slightly above the supplier's price to many dollars above that price, depending on how much they think we'll pay.

Prices vary wildly

Ted Keay of New Minas, N.S., did some comparison shopping for the same 250-gram container of parmesan cheese at four different stores. Prices varied wildly, he said, going from a high of $10.29 at Sobeys to a low of $6.97 at Giant Tiger.

Mary Briggs of Mississauga, Ont., thought she would take advantage of a 20 per cent seniors' discount at Shoppers Drug Mart, a drugstore chain owned by Loblaw Companies Ltd. But she found that even after the discount, the drugstore price of $15.99 for the Tide Pods she wanted was more expensive than the $10.99 at the Loblaw-owned Independent Grocery.

"Why two companies owned by Loblaws have such a large price difference is the question," Briggs said in her email.

Grocery chains boost profits by charging different prices for the same stuff | CBC News


My opinion: Look at the fliers you get in the mail, and you can see the prices.



Apr. 3, 2023 "Singer Sabrina Carpenter faces backlash after 'gross' April Fools' prank falls flat at concert: 'Who told her this was a good idea?'": Today I found this article by Kaitlin Stanford on Yahoo: 


Sabrina Carpenter is in some pretty hot water after pulling an April Fools’ Day prank on her fans that didn’t go over too well. In fact, people are still talking about it several days later.

During a performance in Salt Lake City over the weekend, the singer gave a seemingly improvised outro before the end of the concert. The lyrics, according to a now-viral TikTok, were: “Put your hands up if you live in Salt Lake/How do you get alcohol on Sundays?/I’m pregnant!/Happy April Fools’ Day.”


“Ooof, that’s some bad PR team she has,” one person tweeted. “Who told her this was a good idea? Incredibly insensitive to people who can’t get pregnant, have had miscarriages, or how about women currently pregnant but at high risk for losing the baby? Why are people so dumb?!”

“I thought literally everyone knew this was not an okay April fools joke?” said someone else.

At the same time, many commenters thought it wasn’t a big deal.

“y’all are so sensitive oh my god lol,” one person tweeted.

“a joke about being pregnant is not her or anyone mocking those who can’t get pregnant,” wrote someone else. “It’s a joke about your own body & everyone’s expectations & excitement. If you make it about yourself, that’s your problem. Y’all need to stop trying to make a problem where there isn’t one.”

After joking that she was pregnant, the crowd got noticeably quiet.

“THE SILENCE,” one person commented on the TikTok, which was shared by @nataliejoyhixon.

“That crowd’s silence said ‘how do we feel about this’ REAL LOUD,” added another.

Though the audience screamed and cheered as soon as Carpenter announced it was all a joke, not everyone’s been laughing.

“Gross joke,” one person wrote in the comments.

“I thought we as a society grew out of April Fool’s pregnancy announcements,” added someone else.

It’s true — for years now, people have been calling out how incredibly un-funny (and often hurtful) these kinds of jokes can be. While they may sound harmless to some, they are pretty triggering for those who suffer from infertility, as well as anyone who’s experienced pregnancy or infant loss.

Singer Sabrina Carpenter faces backlash after 'gross' April Fools' prank falls flat at concert: 'Who told her this was a good idea?' (yahoo.com)

My opinion: You guys are:

A. Offensive

B. Funny

C. Both

D. Neither

I would say it was mildly funny.  She's making a joke about herself.  This was a "gotcha" joke.

This reminds me of this joke.  This was a "gotcha" joke.  I have written about this joke on my blog: 

Sept. 20, 2017 A guy who bought a box of condoms:

Cut to 2000.  It was Fri. night.  Probably Just for Laughs.

It was in May or Jun. 2000.

When I was 14 yrs old I was checking out Comedy Network.  This 20-something yr old guy with curly blond hair and he was wearing a nice light blue button down shirt and khakis.  

He was handsome.
He was smiling.  He has his hands in his pockets.

Guy: So the other day I bought a box of condoms.  
There is a pause.  The audience is silent.
A guy in the audience yells out: Ow, yeah!
Pause.
Guy: Because my last one was expired.
The audience laughs.

I was like: "That's the cleanest sex joke I've ever heard."
I never thought I would say that.

Apr. 3, 2023 My opinion: He's making a joke about himself.


Apr. 1, 2023 Job interviews: Last week I attended 3 job interviews.  After 2 of them, I did some shopping.


Riverdale: I watched the season 7 premiere of this show.  This is the last season.  Spoiler alert: The characters are all transported to the 1950s.  They talked about Emmett Till.


Alaska Daily: I saw the season 1 finale of this show.  This is the only show where I watched the whole season (11 episodes).  This is a solid and average show.  TV Grim Reaper showed that this is one of the lowest rated shows on ABC and is probably going to get cancelled.



TV Grim Reaper (@TVGrimReaper) / Twitter


"Protecting yourself from scam artists"/ "How to protect yourself against fraudsters when travelling"


Jun. 5, 2019 "Protecting yourself from scam artists": Today I found this article by Andrea Sachs in the Star Metro:

Earlier this spring, I watched a young, solemn man dressed like a Buddhist monk approach a tourist in the National Mall in Washington. He showed him a petition to build a temple and slid a bracelet made of prayer beads onto his wrist. The visitor was pulling money out of his wallet when I intervened and told him the truth: He had fallen for a scam.

When we are on our own turf, the scam artists are as obvious as that so-called Nigerian prince offering you a cut of his inheritance. 

But on foreign territory, we are more susceptible to deceptions. Maybe we are unfamiliar with the local customs and don’t want to offend, or perhaps our jet lag has dulled our Spidey senses.

“This is a universal, global problem, especially in cities. Never accept unsolicited gifts. They’re often a scam to get you to give them money. One such hoax took place in the National Mall in Washington, where you have crowds and people let their guard down,” said Michelle Bernier-Toth, the State Department’s managing director for Overseas Citizen Services. 

“People don’t report it to the police or to us because they feel foolish and embarrassed.”

Bernier-Toth, who has lived in Africa and the Middle East, can empathize with
scam victims. She has been one herself — twice. 

In Johannesburg, she was withdrawing funds from an ATM when a man asked if she needed help. 

In a flash, he palmed her card, slipping past her friend who was posted as her lookout. 

The second time, she was in cab in Istanbul when the driver handed her out-of-circulation currency as change. “I was schnookered,” she said.

To be sure, swindles occur all over the world, to every type of traveller. To reduce your chances of falling prey to unscrupulous types, BernierToth offers this advice: 

“Be polite, but wary; 

trust, but verify, 

and just say ‘No, thank you.’ 

Also, check the State Department’s country information for alerts specific to your destination. 

For instance, for travel to India, the department warns, “Major airports, train stations, popular restaurants, and tourist sites are often used by scam artists looking to prey on visitors, often by creating a distraction.”

To help you spot the hoaxes, we assembled 10 of the most common ploys around the world and offer tips on how to protect yourself from them.


Aug. 16, 2022 "How to protect yourself against fraudsters when travelling": Today I found this article by Leah Golob on the BNN Bloomberg:


Chloe D’Agostini was at a co-working café while living abroad when someone walked in, sat down beside her, and discretely stole her wallet from her bag. 

The 30-year-old from Toronto said she didn’t notice her wallet was missing until 20 minutes later when she was packing up her bag to meet a friend for lunch. Footage from the café's security camera later confirmed the theft. 

Within a matter of 30 minutes, thousands of dollars were racked up on different credit cards.

D’Agostini then received a phone call from someone claiming to be from Apple stating they had noticed suspicious activity with her Apple ID and asked if she could download software so they could help. 

After a few minutes, D’Agostini thought the call was suspicious and hung up. Later she called Apple, who explained they don't call without a booked appointment. 

While theft and fraud happen everywhere, the challenge of experiencing it while travelling is that you might spend more time on the phone than soaking up rays at the beach, and you can't pop round to your bank branch to sort it out in person. In other instances, you might get stuck dealing with an online travel scam before you even get to take off. 

In TransUnion’s latest fraud report published in May, data shows that travel and industry saw a 59.9 per cent grow in digital fraud attempts for transactions coming from Canada and 13.3 per cent globally.

The increase in digital travel fraud can be attributed to the economy moving toward pre-pandemic levels, specifically in the travel industry.

“Canadians started to get more comfortable with the idea of travelling again and fraudsters caught on and directed their attention towards the activity spike in this sector,” said Ted Trush, director of Solutions Consulting at TransUnion Canada.

Examples of digital fraud in this sector include consumers who are travelling and have their credit cards stolen for the purpose of making fraudulent charges. 

Digital travel fraud also affects consumers directly on web or mobile, such as through encounters with fake travel agents or hotel websites. 

“Essentially fraudsters move to where the money is. As an example, mobile app traffic has been increasing steadily over the last decade so fraudsters tend to focus their attention there.

 When chip-and-pin was introduced on credit cards, fraudsters moved to online transactions because it was less protected,” said Trush. 

He advises Canadians who are travelling ensure they only provide banking information to legitimate businesses and websites.

Trush also recommends consumers read review sites for other customer comments or complaints, as well as research pricing for flights or accommodations and watch for anomalies such as extreme discounts.

“Consumers are also encouraged to be attentive when it comes to emails that seem out of place, as phishing attacks continue to be reported most often when it comes to fraudsters gaining private and personal information,” he said.

Caval Olson-Lepage, advisory team lead, wealth at Affinity Credit Union, said that whenever you receive an email or text message, you should be asking yourself: "Am I expecting this? And, is this coming from a legitimate source?"

“I’d be very wary of clicking on links in an email. I would rather search the legitimate website and search for that information and then click through it on a link,” she said.

Apple wouldn't comment on D'Agostini's specific case, but the company's website includes a warning about unexpected messages or requests for personal information: "It’s safer to presume it’s a scam and contact that company directly if you need to."

Olson-Lepage also cautions against using public Wi-Fi for financial transactions, which might happen more when someone’s travelling compared to when they’re at home or work. 

She recommends setting up a virtual private network (VPN) before travelling to hide your online activity. 

Another option is to purchase an international data plan from your provider so you can avoid using Wi-Fi.

If you think you’ve been a victim of fraud or your information has been compromised, Olson-Lepage said to contact your financial institutions immediately.

Trush added that TransUnion offers customers the ability to add a potential or confirmed fraud warning to their credit file. 

“This warns creditors to take additional steps to verify your identify before deciding to extend credit and provides the creditor with a contact phone number,” he said. 

While D’Agostini was able to have her credit cards expedited, a new RBC debit card had to be shipped through regular mail. It took three months for the card to arrive, and D’Agostini said there was no tracking. 

“Stuff like this is stressful when you’re under pressure and you need to access money,” D’Agostini said. 

She said getting the bank on the phone was also frustrating because of extensive hold times.

A spokesperson for RBC said that once a new card is requested, RBC processes the request and the card is send out via Canada Post. The processing time is typically completed by the following business day, but delivery ultimately depends on Canada Post.

D’Agostini was not held responsible for any of the fraudulent charges. 

Her advice to others is to avoid carrying multiple credit cards in your wallet at a time so all your accounts aren’t locked up if your wallet goes missing. 

How to protect yourself against fraudsters when travelling - BNN Bloomberg

"Avoid travel fees"/ "How to afford a vacation when money is tight and costs are rising"

May 21, 2019 "Avoid travel fees": Today I found this article by Lesley- Anne Scorgie in the Star Metro:
My fiancé and I are heading to Greece for our babymoon and to attend a friend’s wedding this month and we’ve been extremely careful about our costs; perhaps more so than ever before considering our financial lives have been upended — engagement, new house and baby all within the past six months. Not surprisingly, we’ve been fixated on stretching our travel budget as far as it can go.
Our flights to Athens were booked on a massive seat sale, and two round-trip tickets (not a milk run), totalled $980. We’ve taken advantage of pre-booking specials for AirBnBs and hotels. And, we purchased our Euros on a day when the exchange was favourable. The next step is to avoid any annoying, and preventable, travel fees, and you can too, by planning ahead.
Baggage fees: Try taking a vacation with one carry-on bag. You’ll need to think ahead about what you’ll actually need and wear. Pack the essentials and leave the rest at home. If you need inspiration on how to fit it all into one bag, we love the approach that Marie Kondo, Japanese organizational specialist, takes to organizing a closet. You can apply the same techniques to your packing. If you need to check a bag, try sharing it with your travel partner; so one shared checked-bag and two individual lighter-weight carry-ons.
Too much travel insurance: Sometimes you can get by without buying extra travel insurance. Check your current home, auto and work policies, as well as your credit card insurance policy, to see if you have coverage for things like medical emergencies, car rental coverage, fire, theft or trip cancellation. Don’t duplicate coverage.
Toll roads: Most of the time you can find an alternative driving route that doesn’t cost a penny. Yes, it could take a little bit longer, but if you build that extra time into your calendar, you can avoid paying unnecessary tolls.
Seat upgrades: I totally get it. Sometimes it’s really nice to be pampered on the plane or train you’re travelling on. But, if you consider its only use is to get you from point A to point B, you might think twice about spending the extra $100 on this unnecessary luxury.
Late fees: If the hotel says you need to check out by noon, be out by noon. There’s no sense in paying for an extra night, when you can check out on time.
Data overage: Don’t leave home without checking your data roaming plan with your cellular provider. 
Do you need to add another package to your plan to cover you while you travel? 
Or, could you use free Wi-Fi while you’re on the road. Whatever you do, don’t turn your phone on in a different country without being crystal clear about what you are, or are not, covered for.
Car rental overages: Depending on where you rent from there can be limitations on the number of kilometres you can drive, and how much fuel needs to be in the tank when you return it. Don’t scrimp here. Pay attention to your travel needs and use Google maps to map out the distance as best as possible. 
Then choose the most flexible rental agreement. And in most situations, you need to refuel the tank upon return of you will be forced to pay up to three times the market rate for gas when the agency refuels on your behalf.
Traffic violations: Just because you’re on vacation, don’t be lackadaisical about your parking and speed. Read and obey all road signs and speed limits and you won’t get ticketed. If you’re not sure, err on the side of caution; slow down or move to a different parking spot.
If you’re successful at saving money on these fees, pat yourself on the back and e-transfer $200 into your savings account, because that’s about the average amount that travellers spend on silly unexpected costs.


May 24, 2022 "How to afford a vacation when money is tight and costs are rising": Today I found this article by Sandra Fry in the Financial Post:

Many people are getting the urge to travel again as countries reopen and relax their COVID-19 restrictions. Even if travelling wasn’t something you did before the pandemic, two years at home is more than enough time to give anyone the travel bug.

But before you spend hours surfing travel websites and researching where you want to go, review your finances. 

It may feel less spontaneous than simply booking a last-minute special, but ensuring you can afford to fit your dreams into your budget without accumulating credit-card bills will help prevent buyer’s remorse.

Maybe you’re one of the fortunate ones who can count on receiving a sizable tax refund. If you don’t need the money to catch up on other bills … great. Put it in your travel fund and use it guilt-free. If you aren’t so lucky, then it’s a good idea to start reviewing your monthly budget to determine what you can afford to save towards a vacation. Planning your vacation spending mindfully helps avoid struggling to repay unplanned credit-card bills when you get home.

If your budget feels too tight to fit anything extra in, start tracking where your money is going. We can often control impulsive or unnecessary expenses better when we pay more attention to our daily spending. 

For example, it may not seem like much at the time, but a daily stop for coffee or lunch adds up. Do the math: spending $10 per working day on lunch out adds up to approximately $200 a month. 

Over the course of a year, that amounts to $2,400, which can go a long way toward paying for a week at an all-inclusive beach resort.

But what if you have reviewed your budget and, with the increase in living costs, you are barely making ends meet as it is? The next step would be to review what those costs are and if they can be cut back. Some two-car families have found since COVID-19, and the transition to working from home at least part of the time, that they no longer need a second vehicle and the associated expenses. It may take some schedule coordination to work with just one vehicle, so focus on why you’re jumping through those hoops. 

The savings you create by having only one car could free up enough money to balance your budget or cover that tropical getaway.

If the cost of fuel is hurting your budget, consider trading in your vehicle for something more fuel efficient or improve your driving habits to save more at the pump. If that’s not feasible, consider other ways to reduce your transportation costs. Maybe a co-worker lives nearby and is willing to carpool. Public transportation might not be as convenient, but it is much cheaper than operating a vehicle.

It also never hurts to review your cable, cellphone and internet bills to ensure you are not paying for features you don’t use. 

Streaming services can be much cheaper than cable, but subscribing to several at a time adds up. 

If you have several cellphone users in your household, explore changing to a family plan that has lower costs and allows you to share data.

Inform your kids about the cost of using data when Wi-Fi is not available to further save on that cellphone bill.

Home and private auto insurance (where permitted) can also be reduced by shopping around for the best price. Some provinces offer lower insurance costs on vehicles that are not driven daily or for drivers who have a good driving record.

If the rising cost of groceries has put a strain on your budget, some savvy shopping can help reduce costs. That doesn’t mean driving all over town to save $2 on a block of cheese; it means knowing where to do your overall shop. 

Bigger chain stores are often able to offer lower prices than smaller, local stores that can’t pass on significant volume discounts. 

Also, the more meals you can prepare from scratch without expensive pre-packaged foods, the more you will save. 

You may find that eliminating processed foods has a positive impact on your health as well as your bank account.

If you’ve done all these things and still find that a vacation is financially out of reach, don’t automatically turn to credit to make your dream come true. 

Look at staycations, 

home swaps with friends or family, 

or taking on a side job to create the necessary room in your budget.

For some great ideas on how to make extra money on the side, check out 65 Side Hustles, one of many free, educational webinars offered on the mymoneycoach.ca website.

If your goal is to save $200 per month over the course of a year towards a vacation,

break it down to earning an extra $46 per week to achieve it. 

Taking small steps can add up to help you take a big step away from your day-to-day routine.

Sandra Fry is a Winnipeg-based credit counsellor at Credit Counselling Society, a non-profit organization that has helped Canadians manage debt for more than 25 years.

How to afford a vacation when money is tight and costs are rising | Financial Post