<?xml version="1.0" encoding="UTF-8"?><rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	
	xmlns:georss="http://www.georss.org/georss"
	xmlns:geo="http://www.w3.org/2003/01/geo/wgs84_pos#"
	
	>
<channel>
	<title>
	Comments on: Our family&#8217;s 2024 annual spend	</title>
	<atom:link href="https://mrsmoneyhacker.com/our-familys-2024-annual-spend/feed/" rel="self" type="application/rss+xml" />
	<link>https://mrsmoneyhacker.com/our-familys-2024-annual-spend/</link>
	<description>Helping people view money differently while chronicling my own path to financial independence in Ireland and Canada</description>
	<lastBuildDate>Fri, 04 Jul 2025 20:35:26 +0000</lastBuildDate>
	<sy:updatePeriod>
	hourly	</sy:updatePeriod>
	<sy:updateFrequency>
	1	</sy:updateFrequency>
	<generator>https://wordpress.org/?v=6.9</generator>
	<item>
		<title>
		By: Meagan		</title>
		<link>https://mrsmoneyhacker.com/our-familys-2024-annual-spend/#comment-4853</link>

		<dc:creator><![CDATA[Meagan]]></dc:creator>
		<pubDate>Fri, 04 Jul 2025 20:35:26 +0000</pubDate>
		<guid isPermaLink="false">https://mrsmoneyhacker.com/?p=2271#comment-4853</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://mrsmoneyhacker.com/our-familys-2024-annual-spend/#comment-4715&quot;&gt;Stephen&lt;/a&gt;.

Thanks Stephen, no I wasn&#039;t aware of the 10am trick. Will check it out. Ya phone is for 2, we have Irish sim cards we pop in when in the EU for cheap enough. We have looked at the flight points things but I think I&#039;m too picky in terms of flight times and routes now with a smallie that they would be too much effort and too limiting. We have a high percent cash back credit card so that kind of offsets our costs a bit that way. I&#039;ll check again though, maybe things have changed since I last checked.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://mrsmoneyhacker.com/our-familys-2024-annual-spend/#comment-4715">Stephen</a>.</p>
<p>Thanks Stephen, no I wasn&#8217;t aware of the 10am trick. Will check it out. Ya phone is for 2, we have Irish sim cards we pop in when in the EU for cheap enough. We have looked at the flight points things but I think I&#8217;m too picky in terms of flight times and routes now with a smallie that they would be too much effort and too limiting. We have a high percent cash back credit card so that kind of offsets our costs a bit that way. I&#8217;ll check again though, maybe things have changed since I last checked.</p>
]]></content:encoded>
		
			</item>
		<item>
		<title>
		By: Stephen		</title>
		<link>https://mrsmoneyhacker.com/our-familys-2024-annual-spend/#comment-4715</link>

		<dc:creator><![CDATA[Stephen]]></dc:creator>
		<pubDate>Tue, 01 Jul 2025 05:11:26 +0000</pubDate>
		<guid isPermaLink="false">https://mrsmoneyhacker.com/?p=2271#comment-4715</guid>

					<description><![CDATA[Hi, Hows it going. Love this. Love how you break it down and its quite similar to how I do it actually for my spending!! Like for me I put all cleaning supplies, toiletries etc under my grocery costs as well! A few things that I was going to point out, but you might already know but just in case you didn&#039;t. You mentioned Walmart is cheaper than Independent(Canadian Superstore). Unfortunately where I live the fresh food Walmart is too far away. But when I do to it, I tend to find better deals at Independent. I&#039;ve found around 10am there are lots of 50% deals off on things like Apples, Oranges, Lemons, Tomatoes, Avocados, Breads, Salads, Lettuce. And some of these fruits that you wouldn&#039;t usually store in the fridge I&#039;ve put them in the fridge and they last up to two months and are great, There are also 30% off deals on food. Usually none of this is expired or bad, just past shelf life. However, maybe Walmart does the same.

The phone bills, I assume is for two people so highly doubt this helps. I have FIDO for $35 a month for 110GB / month. But when abroad a lot of people recommend Airalo, or Saily. However I&#039;ve been using Global YO. And rather than picking the country if you look at the region or world wide section I usually get 10GB for 30 Days for $10 USD and works in a number of countries. 

And again another thing you might also know but just in case. I have found with Air Canada points to Europe are usually around 35,000 Aeroplan points (this is from West coast thought). But with Aerlingus you can get flights with Avios as low as 13,500 points. I have an RBC Avion card, these points can be moved to British Airways and from there you can move them to both Aerlingus and Iberia. British airways is terrible to use the points. From a Canadian perspective the Aeroplan points are usually worth about 2 cents per point as are avion. But I find when you use them as avios you get way more bang for your buck as the points are a lot lower on Aerlingus. Plus this could potentially help on flights to Spain from Ireland (they don&#039;t do Portugal from Dublin I dont think). Just bear in mind that sometimes the extra fee they add on is in USD and not Canadian $$.

Sorry if some of this is useless info for yourself, but perhaps someone in the comments might find it helpful!!!]]></description>
			<content:encoded><![CDATA[<p>Hi, Hows it going. Love this. Love how you break it down and its quite similar to how I do it actually for my spending!! Like for me I put all cleaning supplies, toiletries etc under my grocery costs as well! A few things that I was going to point out, but you might already know but just in case you didn&#8217;t. You mentioned Walmart is cheaper than Independent(Canadian Superstore). Unfortunately where I live the fresh food Walmart is too far away. But when I do to it, I tend to find better deals at Independent. I&#8217;ve found around 10am there are lots of 50% deals off on things like Apples, Oranges, Lemons, Tomatoes, Avocados, Breads, Salads, Lettuce. And some of these fruits that you wouldn&#8217;t usually store in the fridge I&#8217;ve put them in the fridge and they last up to two months and are great, There are also 30% off deals on food. Usually none of this is expired or bad, just past shelf life. However, maybe Walmart does the same.</p>
<p>The phone bills, I assume is for two people so highly doubt this helps. I have FIDO for $35 a month for 110GB / month. But when abroad a lot of people recommend Airalo, or Saily. However I&#8217;ve been using Global YO. And rather than picking the country if you look at the region or world wide section I usually get 10GB for 30 Days for $10 USD and works in a number of countries. </p>
<p>And again another thing you might also know but just in case. I have found with Air Canada points to Europe are usually around 35,000 Aeroplan points (this is from West coast thought). But with Aerlingus you can get flights with Avios as low as 13,500 points. I have an RBC Avion card, these points can be moved to British Airways and from there you can move them to both Aerlingus and Iberia. British airways is terrible to use the points. From a Canadian perspective the Aeroplan points are usually worth about 2 cents per point as are avion. But I find when you use them as avios you get way more bang for your buck as the points are a lot lower on Aerlingus. Plus this could potentially help on flights to Spain from Ireland (they don&#8217;t do Portugal from Dublin I dont think). Just bear in mind that sometimes the extra fee they add on is in USD and not Canadian $$.</p>
<p>Sorry if some of this is useless info for yourself, but perhaps someone in the comments might find it helpful!!!</p>
]]></content:encoded>
		
			</item>
	</channel>
</rss>
