Spending Smarts A Montreal Stuent's Survival Guide
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     Are you a student? Do you want to learn how to spend less and get more?


      You've come to the right place. :)


     Holding down a minimum wage job just to pay the rent, scraping pennies together to buy a greasy lunch, paying bills in the order of who will come after you with the biggest sledgehammer... School is hard, in more ways than the obvious ones. Sometimes people out in the "real world" forget that.

     This site was designed to help you make your money go further. We have tips on how to buy your books for less, where to do your banking for FREE, and where you can eat near campus. Find out about free services and discounts available to you. For a starving student, these can be the most valuable lessons.

Student Beware!
      Showing you how to make your money go further is not an invitation to spend more of it. A key part of spending smarter is using good judgment. It's hard to teach you that, but we'll do what we can.

Some more tips to start

  • Don't buy on impulse. If you won't need to buy it a week from now, you probably never needed to buy it.

  • Don't think that because you have a dollar, you should spend a dollar. If you treat the dollar right, other dollars may join it.

  • If you're buying something online, google the name of the store and "coupon" before placing the order. That extra 30 seconds can save you a lot of money.

  • Don't spend money that you don't have. That way lies badness and indigestion. Unless you win the lottery, at some point down the line you will regret it. And the lottery isn't something to bet on. (Except, of course, for that being the definition of what is is... but you've never really won the lottery, have you?)

Now, shall we begin?
     Have a look around, ask us questions and offer suggestions. You're the reason this site exists!

Banking: What's that? You want me to give you all my money?
Savings: Starting from zero...
Credit: Paying credit when it's due...
Books: there's more than one place to buy them...
Tools: Come on, give me the right answer!
Food: A student cannot live on ramen alone...
Entertainment: Are we having fun yet?

Friends and Family sale--30% off at Naturalizer

Shoes, boots, and more: As a part of their Friends & Family sale, get 30% off + free shipping at Naturalizer using coupon code BFF2016

Note that most of their boots are on sale, which can be stacked with this coupon.

Visit Naturalizer
EXTENDED Expires: April 11, 2016
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Get $25 or $50 for opening a Tangerine savings account. Earn up to $150 for doing more.

Get $25 when you open an Tangerine (formerly INGdirect) savings account with a $100 deposit. Earn $50 if you deposit $250, Then earn REAL interest on money in the account, calculated daily and paid monthly. Open a free chequing account with a $250 deposit to earn another $50, and switch your automatic payroll deposit to Tangerine by July 31, 2014 for $50 more.Sign up for an investment savings account with orange key code 13861309S1, and your bonus will be deposited into your new account. For more information about Tangerine, visit the Savings section.

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Best prices for subs

Dagwoods is now offering a choice of 4 small sandwiches for $4 after 4PM (a hike from their previous $3 subs after 3 deal). The choices for this promotion are Ham, Cheese, the Gino and the Bab subs.

Subways now offers 6" subs of the day for $3.99. The lineup is: Monday: Oven Roasted Chicken Tuesday: Turkey Breast Wednesday: Subway Club Thursday: Italian BMT Friday: Tuna Saturday: Sweet Onion Chicken Teriyaki Sunday: Steak & Cheese

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Subway--Buy a $25 gift card and get a free 6" sub (any kind)

A promotion to promote holiday spending, if you buy a $25 gift card at Subway they'll give you your choice of 6" sandwich. Get lunch and some Christmas shopping done at once? Or else use the cards for your own future lunches.

We're unsure of the exact expiry date of this promotion, but it will be valid until at least Christmas.

Here are the Montreal locations.

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Concordia students:
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Dagwoods offers 4 $4 subs after 4 and Subways offers $3.99 subs of the day
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Spending Smarts

Comments? Suggestions? Plans for world domination? Send them to webkitten@spendingsmarts.com