Sweet Saskatchewan, over 4,000 Canadians now read this newsletter! This moose's side hustle is growing faster than Disney+ prices (which are about to jump ANOTHER $40, by the way).
Thanks for your trust and keep sharing this newsletter with your friends (and hiding it from your enemies).
My goal is to make each issue better than the previous one, and one of the ways to do that (other than spending more time on each issue) is to build a community around it.
I'm spending a lot of time on Reddit these days, trying to answer personal finance questions, but I am also trying to get the r/MooseMoney sub off the ground.
While there are already wonderful Canadian communities on Reddit like r/PersonalFinanceCanada and r/CanadaFinance to ask personal finance questions, and r/churningcanada to figure out how to abuse credit card welcome bonuses, most subs will ban you if you attempt to post a referral link...
So I decided to let anyone post referral links on r/MooseMoney; just make sure you pick the "Referral Links" flair when posting a referral link.
While you might not have known you can make some extra cash this way, your bank, phone company or favourite app probably has a referral program you just never noticed. Just sign up to your different accounts, and look out for keywords like "Invite your friends" or "Refer your friends", and post whatever link you find on r/MooseMoney.
Just make sure to be transparent about how much you stand to earn from other people's sign-ups and, most importantly, what they can get in return for using your link to sign up!
This Free Canadian App Could Cut Your Grocery Bill By $50-100 Per Week
A University of Waterloo student has created Skrimp.AI, a free app that uses artificial intelligence to help Canadian families slash their grocery bills by $50-100 per week. The app finds the best deals at local stores, generates personalized shopping lists based on your family size and dietary needs, and suggests recipes using ingredients you'll actually use again. The app is currently available in Kitchener, Waterloo, and Cambridge, with plans to expand across Canada.
Source: CTV News
Global Retailer Panda Mart, Known as the Brick-and-Mortar Temu, Opens 120,000 Square Foot Store in Toronto
Panda Mart, a global discount retailer often described as the "brick-and-mortar Temu," is opening its first North American location at 768 Warden Ave. in Toronto's Scarborough area, taking over a former Rona space. The 120,000-square-foot store will carry over 30,000 items including home goods, furniture, electronics, beauty products, and everyday essentials. Established in South Africa in 2010, the chain now operates 40 stores across 12 countries and is offering a 20% discount on everything during its grand opening weekend from September 26-28, 2025.
Source: BlogTo
For a limited-time, get a $60 bonus* when you sign up for any Neo card.
From fast approval to everyday rewards, the Neo Mastercard pays you back. Literally. Plus, get instant access to your virtual card as soon as you're approved so you can start spending and earning right away.
* Limited-time offer. Only valid for new Neo customers who open their first eligible Neo credit product and make a purchase within 90 days. Limit of one offer per customer. Offer is subject to the Neo Rewards Policy and may be amended or cancelled at any time without notice.
Disney+ Hits Canadian Subscribers With $40 Price Hike Starting October 28
Disney+ is hitting Canadian subscribers with its fourth consecutive annual price increase, jumping from $119.99 to $159.99 for premium subscriptions starting October 28th. With Disney+ now costing significantly more than when it launched in 2019, subscribers who haven't been actively watching the service should seriously consider canceling their subscription before it auto-renew.
Source: CBC
Recently published on MooseMoney.com
I thought this would be easy, or at the very least fun. I was wrong. The challenge? I had to spend a full 40-hour work week trying to make as much money as possible using my phone.
Spotify Free Plan Now Lets Users Pick and Play Any Song They Want
Spotify is upgrading its free tier to let users search for and play any specific song they want, instead of being stuck with shuffle-only playback. Free users will get a daily allowance of on-demand listening time before reverting to more limited controls. This upgrade makes Spotify's free version much more usable, so if you are a Premium subscriber, you should consider downgrading to save $12.69 per month. If the free version doesn't meet your needs, you can always resubscribe to Premium later. There's no penalty for switching back and forth!
Source: TechCrunch
BARRY CHOI: The Bizarre Love Story Between Canadian Tire and Tim Hortons Loyalty Programs
Earlier this month, Canadian Tire and Tim Hortons announced that their respective loyalty programs, Triangle Rewards and Tim Rewards, would be partnering. While no formal date was announced, starting next year, customers who link their accounts will be able to earn CT Money and Tim Rewards on the same transaction. Additionally, there will be exclusive offers for linked accounts.
While it might seem odd that two major Canadian brands are teaming up, it has become quite common in the loyalty space. PC Optimum is linked to DoorDash, Aeroplan collaborates with Uber, and Air Miles has a partnership with Shell, among others.
Although retailers may have pursued exclusives in the past, they’ve likely realized that consumers are rarely loyal to just one brand. Plus, a restaurant is very different from a hardware or home store, so it appeals to an entirely different audience. Building a partnership benefits both parties.
Ultimately, what both companies are after is your data. Loyalty programs can track exactly what you’re buying, how much you’re spending, and how often you’re making those purchases. By sharing that info with their partners, everyone can attempt to target you with more offers, hoping to encourage you to spend more.
But does it actually work? Well, it depends on the consumer. Some offers are simply too good to pass up. For example, a few months ago, Triangle Rewards offered me $10 in CT Money if I filled up at least 25 litres of gas at Petro-Canada or Gast+. You can be sure I took advantage of that deal instead of going to Esso, my usual gas station. But that wasn’t enough to get me to make a permanent switch.
What we’re likely to see in the future are some CT Money offers related to Tim Hortons purchases. Both retailers hope these offers will be convincing enough to change your shopping habits.
This guest post was authored by Barry Choi, an award-winning personal finance expert who specializes in credit cards and loyalty points.
🚨🏷️ Moose on the Loose in Dealville
Chapman's Super Premium Plus Ice Cream 500ml
$2
EVERYBODY enjoys ice cream, but who wouldn't love premium ice cream at bargain basement prices? Until October 1st, you can actually get a pint of Chapman's premium ice cream for $4 at Loblaws, Provigo, or Real Atlantic Superstore, and get 2000 PC Optimum points, which are worth about $2. So that means the sweet, sweet ice cream ends up costing you only a toonie!
Gildan Heavy Cotton T-Shirt
$4.99
You don't need to break the bank to look sharp. And there is nothing like sporting a brand-new cotton T to look fresh. And you won't find a better deal than this one for a 100% cotton t-shirt available in any size, from small to XXXL. So I suggest you drop whatever you are doing right now and trot to the closest Michael's to replenish your stock of Ts.
Netflix, Disney+, Amazon Prime, Telus Films & Series + 50 Free Channels
$10/month for 3 months
Public Mobile customers, Koodo's trying to sweet-talk you with their Stream+ bundle. For ten bucks a month (before jumping to $23 after three months), you get Netflix with ads, Disney+ with ads, Amazon Prime WITHOUT ads, plus TELUS content and 50 free channels nobody asked for. If you just paid off that overpriced phone contract, switching to Public Mobile with your own device might save you money for longer than 3 months. You can even transfer your existing streaming accounts without losing your place in whatever guilty pleasure series you're binging. And if you are as sneaky as the GREAT Mooney Moose, make sure to binge everything you like in the next 3 months and set a reminder so you don't forget to cancel your Stream+ subscription before the price hike.
Toronto-Lisbon Round Trip in January
$387
You might think that, as a Moose, I love winter, and you would be completely wrong. I left the forest for a reason, peeps! I hate being cold! And while my Toronto apartment is warm, I get depressed in January, as I don't get fresh air... So when I found this deal for Lisbon in January, I was pretty stoked. I immediately pictured myself surfing next January. That said, the sea temperature in January is about 16°C, so while it's much warmer than here, you will probably need a wetsuit to survive your surfing addiction.
Refer Your Friends To MooseMoney & Get Free Stuff!!!
