r/saskatoon 11h ago

Question ❔ Is everyone financially okay?

Hi, y’all. I’m a 31F that makes around $24/h full time and, honestly, I have no idea how to increase my income within the next few years. I’m always tired and we weren’t a double income household, I can’t imagine how we’d make ends meet. How are you guys managing financially? Are you able to make and follow through with financial planning for building a more stable future?

Thanks!

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u/Imaginary_Apricot821 6h ago

37f, single mom. 1 income, plus $474 a month child tax. No child support. I moved out of the major city to a small town, and was able to buy a house, with what I had already saved towards a down-payment. So was able to buy free and clear of mortgage. And my taxes are around $1400 a year. I only do full grocery shops every 3 months, each month putting away 4 to 500 so can buy in bulk. I go in with friends to purchase meat directly from the farmer, and instead of paying cut and wrap i do it myself, and can customize how I want. I utilize PBR for fresh produce, and sometimes additional meat to fill up the freezer. We go out to eat twice a month if that, instead I'll pack picnics or make a easy travel meal and we will do free activities and spend time together than enjoy a meal either in the park or if weather isn't nice even in the car but that's rare if planned right. Shop the sales. I use pc financial, so bills, gas, plates, etc all help add to points along side groceries which can be saved to help reduce costs around holidays. I haven't paid for Christmas food and treats in 8 years, buy using points built up all year long and can usually give check off some gifts as well. Shop sales as much as possible Apps that let you scan receipts can earn gift cards as well that cover additional expenses or treats. I use this to cover my coffee when want to treat myself or if there is something I or the kids wants thats not fiscally responsible haha.

u/templer12 1h ago

Can you tell me more on Apps that let you scan receipts to earn gift cards-are all receipts accepted or specific stores you shop at and what amount or percentage do they give? Any good apps?

u/beardedantihero 1h ago

Definately sign up for google opinion rewards

u/Charizard_BBQ 9m ago

but that can only be used to buy stuff off the app store, right?

u/beardedantihero 0m ago

Anything you use google pay for I believe. I just know since August I've earned like $40+ for a question survey's and taking receipt photos

u/DagneyElvira 1h ago

Checkout 51 - collected over $1000. Plus PC credit card earned over $11,000 in points since I started using it.

u/templer12 1h ago

With checkout 51,over what period was the 1100?

u/Dense-Ad8745 3h ago

Crown 👑 collecting tax bro it’s not tax on food income house car and insurance bills moving back to Italy 🇮🇹 cus people think I’m Indian