Let’s be real—this isn’t some financial guru lecture or a “buy your coffee at home” manifesto. These are just quirky, easy hacks and apps to save you a little extra cash in Toronto. Whether you're scraping by or just want to stretch your hard-earned dollars, these tips could save you a handful cumulatively.
Now, I’ve been there. Once upon a time, I had plenty of money—from my parents and my part-time jobs—but I didn’t save a dime. If only I’d known these tricks earlier, I’d have had more to splurge on the things I love. So, here’s what I learned the hard way.
Tim Hortons: The Everyday Essential
Toronto life and Tim Hortons go hand-in-hand, but did you know you can hack your way to savings?
1. Tim Hortons Rewards
Download the Tim Hortons app and create an account.
Every order lets you collect points via a QR code. These points might seem insignificant at first, but after a year, you’ll be kicking yourself for all the free meals you could’ve had.
Download the app using this link: https://play.google.com/store/apps/details?id=digital.rbi.timhortons&pcampaignid=web_share
2. $1 Coffee Hack
Always ask for a receipt when you order.
The receipt includes a survey code. Fill out the survey, and you’ll get another code that gives you coffee for just $1.
Here’s the kicker: when you get your $1 coffee, you’ll get another receipt with a survey code. It’s an endless loop of cheap caffeine, folks!
PC Optimum Rewards: The Grocery Goldmine
Sign up for the PC Optimum card (it’s free!) and watch your grocery bills shrink. PC Optimum points can be earned at various stores, including:
Loblaws
No Frills
Shoppers Drug Mart
Real Canadian Superstore
Every point earned gets you closer to discounts on groceries, pharmacy items, and more. It's a no-brainer for students trying to eat well on a budget.
Apps That Sound Scammy But Aren’t
Here are a couple of apps that can actually help you save or make a little extra on the side:
1. Receipt Hog
Upload your shopping receipts to earn coins.
These coins can be converted into real money or gift cards.
It’s like getting paid to do what you already do—shop.
You can download the app using this link: https://play.google.com/store/apps/details?id=com.infoscout.receipthog&pcampaignid=web_share
2. WinWalk
Earn coins for every step you take.
Toronto life involves a ton of walking, so why not make it profitable?
You won’t get direct cash, but you can redeem coins for useful coupons and gift cards.
Download the app here: https://play.google.com/store/apps/details?id=com.winwalk.android&pcampaignid=web_share
Final Thoughts
Save early. Seriously. These tips may seem small, but over time, they add up. Don’t be like the past me, who lived paycheck to paycheck and missed out on these easy wins. So, go ahead—download those apps, scan those receipts, and hack your way to financial peace of mind. Your future self will thank you.
That’s all for now, fellow Harrys! I hope these tips help you stretch your dollars and tackle life in Toronto with a little more confidence. If you found this helpful, check out my other posts for more survival hacks, relatable stories, and honest insights about being an international student in this crazy, amazing city. You can also follow me on Instagram and Twitter for real-time updates, behind-the-scenes fun, and a good laugh or two. Let’s take on Toronto together—one budget-friendly win at a time!
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