About
A coworker asked me once why my phone bill was so low.
I told her I hadn't really paid for internet or mobile in a while. She laughed — like I'd said something delusional — and then asked me to actually explain it.
So I did. Referral programs, stacking credits, being thoughtful about which services I signed up for and when. I pulled up my Fizz account and showed her the balance. She stopped laughing.
A few days later, she texted to say she'd signed up for three things. "You should write this down somewhere," she said.
That's basically why this site exists.
My name is Harold. I'm an IT project manager at a mid-size SaaS company in Toronto — yes, the kind that makes project management software. I've heard every joke. I live in Leslieville with my partner and our cat, Beans, who is orange, chaotic, and completely uninterested in my financial optimization projects.
I'm not a financial advisor. I'm not a personal finance influencer (whatever that means). I'm someone who spent his late twenties being vaguely careless with money and his early thirties trying to fix it, one overly-researched decision at a time.
The referral thing started almost by accident. I switched to Fizz because I was tired of paying Rogers prices for a service my phone was already capable of. I mentioned it to a few people. They signed up. I got credits. Over a couple of years, without really trying, I had enough stacked up that my phone was effectively free. Same story with internet.
At some point I did the math on what I'd accumulated. It was the kind of number that makes you wonder why no one talks about this more clearly.
Here's the thing: most referral programs aren't sketchy, and most Canadians leave them completely untouched — not because they're lazy, but because the information is scattered, the sign-up flows are confusing, and the marketing is usually terrible.
This site is my attempt to fix that. One honest review at a time.
What you'll find here:
Honest reviews of Canadian services — banking, mobile, internet, and a few others — with my actual experience, not a polished version of it. If something annoyed me, I'll say so. If a sign-up process is a mess, I'll document it.
Referral guides that explain what you actually get, not just the headline number. Eligibility requirements, timing, the stuff that's buried in the FAQ.
The occasional opinion piece about Canadian telecom and banking. I have some strong opinions. You've been warned.
On referral links: some links on this site are referral links. If you sign up through mine, I'll receive a small reward. The model is simple — I recommend services I actually use, you get the same deal you'd get anyway (sometimes better), and I'll always tell you when a link is a referral link. I only recommend things I've personally used. That's it.
Questions, corrections, or a service you want me to cover: harold@referralmaxxing.ca, or through the contact form at contact@referralmaxxing.ca.
Beans accepts neither emails nor responsibility.
This site contains referral links. If you sign up using my code, I may receive a reward at no extra cost to you. I only recommend services I personally use.