Canadians suffer from their love-hate relationship with debt – from credit cards, to mortgages, Canadians are carrying a record level of debt. And with the cost of the living in Toronto and other major cities in Canada climbing, saving has never been more important than it is now. Some families practice ‘deferred gratification’ – a product is more than $20 requires a waiting period to decide if it’s really worth it. Monitoring grocery shopping is also a great way to save money – especially at major retailers that abide by the Scanner Price Accuracy Code – if a product scans in at a high price than labelled, the customer gets the item for free if it’s under $10, or $10 off the purchase price. How do you manage your savings every day? Have you managed to get yourself out of major debt? Was tools / tricks did you use?