Good morning Dinks.  I had an absolutely great money week because I received additional money on a refund and I got a huge discount on one of my purchases.  I just love when that happens to me – don’t you? But when money is given to you that is not yours there comes the inevitable question of should you keep it or should you give the money back?

I didn’t take it; the money was given to me so it’s not stolen right?

Two weeks ago I went to my hometown to visit my parents and my best friend.  To make a long story short my best friend and I did some shopping and I mailed myself a package because I didn’t want to carry all of my stuff back home with me on the train.  I paid a premium for my package to be delivered overnight and I paid to include $200 worth of insurance just in case the package didn’t arrive.

Well, in true post office fashion my package didn’t arrive the next day, it arrived two days later so I called the post office to get a refund on my shipping.  I gave the customer service representative my full name, address, the tracking number on my receipt as well as the total amount that I paid which was $20.11. The customer service representative apologized for the inconvenience and assured me that within 10 business days I will receive a check in the mail for the full amount.

I did in fact receive a cheque in the mail, but not for $20.11.  I received a check in the mail for $61.12.  What do you think I did – should I have called the post office or should I have just kept the money?

In true Kristina fashion, I deposited the check into my bank account and that is that. Would you have done the same?

Any discount is good, a 60% discount is even better!

Next weekend I am headed to Toronto for the Canadian Personal Finance Conference and I am travelling by train.  I originally booked my round trip ticket at the lowest fare which means I am not travelling at the most convenient times.  Both of my trains are longer than usual and after thinking about it I am really not looking forward to my trip – and that’s not good because I really love taking the train.

I decided to upgrade my tickets to first class in order to travel a little more comfortably and to travel at a more convenient time – all the cheaper tickets were sold out.  When I originally called the train customer service they told me that the upgrades and time changes would cost $80.

After thinking about the additional cost I am justifying it by telling myself that I always travel cheap – and that’s true. So I called back to reserve my new tickets.  The customer service representative told me that the difference owing with fees and taxes is $61. Score!

Friday I went to the train station to pick up my tickets and to pay the difference.  To my surprise I only owed $38.  This was my second good financial windfall of the week so I knew it had to be too good to be true. I gave the representative my confirmation number and told her twice that it should be $61.  I’m not sure what magic she worked but instead of owing $80 I only paid $38.  I love my money life this week.

Has something like this ever happened to you? Tell us! I love a good money story.

Photo by taxcredits


This entry was posted in Ethics by Kristina Tahnyak. Bookmark the permalink.

Avatar photo About Kristina Tahnyak

Tahnya is a Certified Financial Planner and former Investment Advisor turned marketing and communications professional She holds a degree from Concordia University, is debt free and currently works in the field of digital marketing.

MANAGE YOUR MONEY TOGETHER

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1) Collaborate: Meet regularly to talk about money, set goals together, track and monitor them.

2) Understand and respect your partner. Take time to understand your partners values about money.

3) Watch the numbers. Get a budget, monitor your spending and track your net worth.

4) Max your retirement. Maximize contributions to your tax deferred retirement accounts.

5) Invest in stock. Stocks perform better than bonds or cash.

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