About Mary Cunningham

Mary Cunningham would never claim to be a financial expert but has worked in the area of finance with personal taxes for over 15 years. Those personal taxes included all personal aspects, rental property and small businesses. She will be offering some Canadian insight to this venture but she came to live in Canada by way of Kentucky.


  1. AvatarCrystal says

    I have two ways I partially finance Christmas with found money.

    First, I roll change throughout the year and then use the quarter rolls to take the grandkids Christmas shopping – fun for them and “free” for me!

    Second, I exchange our accumulated credit card points for gift cards and/or cash. During the year, I charge whatever expenses I can on the card and ALWAYS pay it off in full each month. By the end of the year, I have several hundred dollars and haven’t paid a cent in interest. Caution: This only works if you actually do pay off the entire credit card balance each month – otherwise, the interest can easily negate your cash rebate.

  2. Avatar[email protected] says

    I saved my change and bought a freezer and containers to buy food in bulk at a discount to build a great store cupboard.

    Now we eat really wee but save enough ever month to pay double on our mortgage

  3. AvatarMary says


    Great ideas here and what a great idea to do with the grandkids! I wish mine lived close enough to be able to implement it. But, I do use the change I save to help buy gifts for them.

    I just opened a new cash back credit card and am hoping that I can use the cash back for similar things like you are. Thanks for joining in.


  4. AvatarMary says

    Hi Elaine,

    Way to go…I love hearing from others who have done the same as I have…and so jealous that you already have your bulk storage set up. Since I just moved into my place about 6 months ago, I have that closet scoped out but haven’t got it set up yet.

    How great you’re able to pay double on the mortgage from your savings…..what a great inspiration for others!


  5. AvatarLaila says

    Cut out all those Tim Horton’s or Starbucks! Coffee made at home is much cheaper and better in my opinion! And it’s amazing how much you can “earn” by returning empty beer cans and wine or liquor bottles you find on the side of the road! Guess a lot of people haven’t gotten the message about drinking and driving but it’s money in my pocket. We probably pick up $10-$15 a month just finding empties while we walk the dog around town. Each beer can is 10 cents and a wine or liquor bottle is 20. Adds up!

  6. AvatarKaren says

    Some great ideas here!
    You’re right about loonies and toonies adding up. I can think of several times I thought I had no cash on hand, only to realize that there is $18 or $27 in my change purse!
    Mary, we follow the same Electricity rule at our house, we hang most of our clothes to dry, and only run the drier at the least expensive times. We also have a “flick off” policy with our boys, and every time they leave lights/electronics on they are deducted 50 cents from their allowance!
    No Tim’s and Starbucks will save a small fortune…at least!

  7. AvatarMary says

    Hi Laila,

    I hear ya on the empties you can benefit from walking the dogs…or even just taking a walk by yourself. I can sometimes envision myself becoming one of those old ladies who walks around with a shopping cart gathering things to bring in a little money…LOL Thanks for commenting!