Posts Tagged ‘money’

How to Save Money Like a Girl

Any of the ladies out there reading this blog know what I’m about to write about when I mention the words “hair appointment”. For the longest time now, there has been a HUGE discrepancy between what a man and a woman pays to have his/her hair styled. I’ve always wished stylists would charge a bit more on a sliding scale, instead of just a “flat fee” for a hair cut. My hair is currently a medium-length right now (it’s just passed my shoulders), and so these days I just get a trim. And yet my current stylist charges me $73 for that privilege.

Now, when I’m getting a full-on hair cut where I lose 4 or 5 inches of hair, then yes, by all means charge me a higher amount. In my opinion there’s a little more risk and skill involved, but for a simple trim? Seems quite absurd, don’t you think?

Step 1 in my efforts to be frugal was to start doing the one part of my typical trip to the salon that I can do at home: colour my own hair. The biggest obstacle here is that my hair is long and thick, so it’s quite a chore to do this myself, or even with help. It’s a literal pain in the neck. I weighed several options on this, and finally decided I’d keep my eyes peeled for a new salon. I love my stylist, and the salon I go to, but the cost of these trips was killing me. A cut and colour plus tip was running me almost $180, and to do that every two months was just insane. I was trying to stretch it out, but I was getting frustrated at the state of my hair.

Step 2 occurred this evening.

In my travels around my neighbourhood I had spied a semi-decent looking hair salon that I thought about going to. I searched online, and discovered they had a website, and the prices seemed pretty reasonable. There were also testimonials on the site, which I always take with a grain of salt, considering anyone can just make them up. However there was one from an actress, and she commented about how great the stylist/owner was, and went on about how she loved going there. So I searched for her as well, to see if she was a real person, and sure enough, she was! So that testimonial was definitely plausible and probable to be true.

On my way home from work tonight I decided to stop in and check things out. The owner was at the front desk and greeted me warmly, and patiently explained their pricing structure to me. Going to the newer stylist would save me about $20-30 per visit, and I always like going to the junior people because they need the practice too, you know? Besides, the owner assured me that she’s always available to consult with the stylist if we’re doing anything radical and either of us is nervous. But since I’m just going for a straight colour and cut, things should be fine. So I booked an appointment with the new stylist. And how much is this visit going to cost me? How much do you think a cut and colour will run me at this new salon?

$90 + tax and tip.

Yes, you read correctly. About $100. That’s almost $80-90 cheaper than what I was paying previously! If I went to the senior stylist, it would be a little over $100, which is still cheaper! How insane is that? And how insane have I been not to check them out sooner? Needless to say I am quite pleased at the price, and am hoping that the stylist works out, because she will definitely be staying on my speed dial permanently.

The Change Keeps on Flowing

I haven’t written about the Change Challenge in a while, and boy, does it ever show! M & I both found a bunch of change on the ground during our recent vacations, which was great, but M keeps on consistently finding change even during her regular tours around town. She just switched desks today at work, and bam! She found three cents sitting in the drawer of her new desk. *sigh* At this rate she will be kicking my butt all over the place. I updated the progress bars in the sidebar there on the left, however the percentages aren’t adjusting properly so it looks like we’re tied, when we’re not. M is significantly in the lead! So far we’re at:

Me: $0.43

M: $0.75

Well done M, and keep those eyes to the ground.

Finding Money

Ha, you probably thought I was going to give you an update on the Change Challenge, but you are mistaken. I’m writing today to tell you about “unclaimed balances” in Canadian banks.

What is an unclaimed balance?
As stated by the Bank of Canada, it is “a Canadian-dollar deposit or negotiable instrument, issued or held by a federally regulated bank or trust company.” What does this mean? It means that if you left money in a bank account for more than 10 years, it was turned over to the Bank of Canada.

Why are you telling me this?
I’m telling you this because you might have money waiting for you! Money you completely forgot about, although I don’t know how anyone could possibly forget about money in a bank account that was theirs, but that’s another story. The point is, you can go search on the website and see if they have any money for you…or your family…or your friends….(you get the point.)

Okay, so do you have any unclaimed money waiting for you?
Sadly, no, I don’t have any, but I didn’t figure I would, since I’ve always been aware of what money I had and where it was. I did do a search for both of my deceased parents though, since I wasn’t privy to all of their financial dealings. Again, I was shut out.

But it’s definitely fun to go look, because you just never know. Leave me a note in the comments if you actually found some money, I’m curious to know.