Community Conversations: Money Matters

Written by Carla, Halifax Public Libraries' Community Specialist

One cold February night, a group of Dartmouth residents came together to have a community conversation on the topic of “Tips for Saving Money” at the Alderney Gate Public Library. Hosted by Halifax Public Libraries in partnership with the Dartmouth Community Health Team, the conversation was entirely open-ended and community members talked about a range of topics, from groceries, budgeting tips, trip planning, rebates, taxes, and more.   

The following recommendations came directly from participants. Many households are experiencing the crunch of inflation—our hope is that their money-saving tips will help others, encourage new conversations, and more info-sharing.   

This week: we're highlighting community tips and tricks to make your money stretch.

General Tips

• Ask the store whether there are any discounts (military, seniors, etc.).
• Parker Street Food and Furniture Bank has a free furniture bank for people in need. 
• If you work as part of a union, there are typically some benefits such as discounts at pharmacies, car rentals, etc.
• Shop around for internet/phone/cable options. Prices can often be negotiated with their sales teams, especially if you let them know a competitor offers a lower price.  A very affordable option is Purple Cow Internet. 
• Some stores offer freebies on your birthday including Dairy Queen, Mastermind Toys, Giant Tiger, and Booster Juice, but you may have to show your ID and sign up for birthday rewards on their websites. 
• Follow the “SAVINGS WITH GAIL” Facebook page for frugal tips.
• Select gas bars offer discounts on gas for paying in cash.
• Dalhousie University hosts a massive “end of school year” community sale with donations from students (mini-fridges, clothing, etc.). 
• Buddy up for streaming services such as Disney +, Crave, etc.   

Credit Tips

• If you tend to lose track of credit card spending, track it in a logbook, or forgo credit cards and use cash instead. 
• If you do use credit cards, be sure to use ones that give you points (toward things that you use).  For instance, some credit cards give PC Optimum points, some give gas money, etc.   
• Negotiate your monthly credit card fees with a personal banking manager. 
• The website CardSwap, opens a new window lets users sell off unwanted gift cards at a discounted price. 

Tax Tips

• When you file your taxes, make sure you include all medical receipts. Medical receipts can be for a wide variety of things from pacemakers to eyewear, wigs, and more. For more information or to confirm that an expense is eligible check out the CRA website., opens a new window
• New parents, apply for the Canada child benefit as soon as your child is born. 
• Halifax Public Libraries offers annual free income tax filing, opens a new window services for low-income community members. Ask your local Library for more information.

Government Programs

• The Canadian Dental Care Program, opens a new window provides free dental care plans for people who don’t have dental insurance, and families who make less than $90,000.   

Looking for more tips and tricks to help you save? We're also highlighting community tips and tricks for frugal eating. Read it on the blog, opens a new window.