Credit card roulette: TD First Class Travel Visa Infinite Card

It’s been a little while since my last credit card application, a month or two i’d say, so high time to give it a try on another one! Here’s a screenshot of what I was eyeing up earlier today;


Please forgive the amount of notifications on my phones screenshot, I’m bad for ignoring them! You can read about this card further on the forum thread on RedFlagDeals right here. With the fee waived for the first year and 50,000 td points this is a decent deal for me. The 50,000 points will be worth about $250 in travel credit on the Expedia for TD, I’m not super interested in any of the other “perks”, like insurance as I already carry other cards that have the needed medical and travel insurances for when I trawl the globe. 🙂 This card has an income requirement of $60,000 or household $100,000, with my extra job this year I was able to jump through that hoop so I applied!


It’s always a little bit of a surprise doing these applications, and a happy party when it’s succesful! Can’t wait to snag these points and use them! 😀  I’ve only been declined one card in the past four years (the Chase Marriott Visa that no longer exists, sadly, it was great value and very churnable) Do I worry about these cards affecting my credit? Nope, because they don’t really

Why do I do this? To afford travel, travel will never be totally free as there are always costs involved but travel hacking has allowed me to see and do things I wouldn’t be able to afford otherwise.

Does it hurt my credit? MMMnope!

I keep tabs on my creditscore using; my score updates every Monday, I request my free Equifax report once a year and am generally watchful of whats happening on my credit.

I also have a fraud warning on my profile to verify identification prior to extending credit as I previously had a compromised creditcard.

Does it hurt my ability for future big things like buying a house? Not really!

As I am not currently in the market for any car or home related loans I have no problem continuing this game. With any new application my score may drop a few points, usually nothing big and sometimes there is no change at all. This application had zero effect on my score. Were this to change and were I to need to start shopping for a mortgage I would take the appropriate actions, shut a few things down and slow down my applications but for now… happy travel hacking!

Have you ever tried travel hacking?

No shampoo – update. Summary: don’t do it, it sucks, maybe it won’t for you though.

13 months ago I wrote about the experiment-health-latest fad thing I had read about quite a bit online; that whole no-poo thing, not using shampoo on your hair. Just washing with water and I decided to give it a try then. I came across a link to that post about it, this one right here where I embarked on this experiment and never updated about it again because I completely abandoned the project after a few weeks.

Why? Because it’s gross. I can drivel on about it for a while but the summary of it is this: Not washing your hair is gross. I don’t care what all the other blogs say about it being fine after a while. It’s gross, to me. Yes, water and scrubbing also removes dirt but I LIKE SOAP. I like smelling pretty and clean, the end.

The positive thing that did come out of the experiment is that I no longer use conditioner and never feel the need to. I use a no silicone – paraben free yaddayadda shampoo (I can’t recall the name at all) and as someone who has always felt that I needed to use conditioner, and always did, this is huge! It has definitely simplified my routine and I don’t notice it anymore.

Another positive is that my hair doesn’t get greasy and heavy as fast between washings unless I’ve been working out. Previous I would wash and condition and have yucky hair again by the next morning. Lather-rinse-repeat, literally. So in short, the no shampoo thing? Not for me, it’s 2017, not 1817 and I think even in 1817 they had some basic soap, soaps been around for a while and I’ll keep using it, to wash my hair and bodyparts to smell pretty. Hayyy. 🙂


A spending… ban…-ish for the rest of 2017

Those of you that have known me for a while may recall that I’m not a huge fan of entire spending bans, the logic being for me that when I restrict myself completely I tend to go overboard and binge after a while because I guess… discipline is not my forte in all areas of life!

But it’s a new year. New me. No wait, that’s one of those health slogans. 😉

New year, new financial plan!

There are a few items in my budget that I’ve wanted to address for a long time and I’ve always had a hard time with.

I didn’t tell him to pose haha, he just did!



Last year I spent about $916 on new clothing, or about $76 a month. This includes bras – I’m not one of those fortunate enough to buy 4 for $100 at la senza… most of my bras are 40-50$ a piece :(- yogapants, shoes, new winter jacket and just various clothing related things.

I am so spoiled, I have always earned enough to be able to afford what to others are luxuries. I have good quality clothing and outer wear and it’s something I definitely don’t skimp on. BUT I have so much, I have five pairs of jeans I do not wear because they’re too tight, I have various other pieces I do not wear because they’re too tight! And simply, I just have enough clothes for years and there really is no good reason for me to buy ANY, any clothing at all this year. I already started this on February 15th, aside from a $90 Lululemon gift certificate I still have sitting around, there will be NO buying of clothes for the remainder of 2017.


The second category is food. I have since meeting my boyfriend gotten been ating out a lot less to the point where I mostly much prefer to eat at home. Eating out is expensive, I used to have coffee habit and after I kinda kicked that to the curb I did still eat out every once in a while, or picked up a tea. Enough for my “eating out” category to keep inching over $100 a month which is really too high. The end of the year in my YNAB budget also gave me this neat graph detailing more about my food and misc spending;

In 2016 I spent roughly $325 on groceries per month. That is a lot for a single person. I did eat A LOT of fresh fruit, I preserved a lot, I eat very healthy, i eat no processed things, I eat meat 1-2x a week, I don’t buy chips… fruits and veg cost quite a bit though. A lot of my eating out/ restaurant spending ended up in the blow money category since it no longer had its own category because I had erroneously hoped to largely eliminate restaurant spending. The blow money category cost roughly  $210 per month after removing the purchase of a new cyclocross bike and the cost of spa day for my birthday in October.

The blow money category really encompasses a lot of different stuff (not… blow, its just a term, I dont smoke weed etc) and sometimes I throw things in there that have no other home, it includes eating out though which after glancing through the expenses made up at least half of that $210 a month. Ouch?

I thought I was doing better with my spending in this category last year but clearly I have not. Because of that this month I embarked on a mission to only spend $130 on groceries during February.

Today is February 22 and I have spent $128.20 on groceries and $48.31 on eating out (1x tim hortons, 2x eating at work during snowstorms, one eclair and one snowstorm gas station run of chips/pop and one dinner out with my cousin, which was fun) and it wasn’t all that bad! I’ve been scrounging the cupboards and have been creative with meals.

It has been different, but not overly difficult. This is what self control feels like. I need to practice this a little more.  Curbing my food and clothing expenses will help add $2,400 to my savings this year. That’s two months of living expenses, or two trips, or a quarter of a new-to-me-vehicle. It’s money I badly need to save.

Spending-ban Goals for March:
$0 in the restaurant category
$145 groceries
$0 clothing etc