Sandra MacGregor
Sandra MacGregor
ContributorSandra MacGregor has been writing about finance and travel for nearly a decade. Her work has appeared in a variety of publications like the New York Times, the UK Telegraph, the Washington Post, Forbes.com and the Toronto Star.
Sandra MacGregor is a highly regarded Canadian writer with over 15 years of experience specializing in personal finance, luxury travel, and fintech. Her work has been featured in globally recognized publications like The New York Times, Forbes, National Geographic Travel, CNN Travel, MoneySense, and Borrowell. Sandra's expertise spans a broad range of topics, including credit cards, mortgages, travel rewards, and eco-tourism. Armed with a law degree from the University of Victoria and a Master's in Journalism from Western University, Sandra combines legal precision with journalistic integrity to craft content that is accurate, engaging, and authoritative. She has earned accolades like the Travel Media Association of Canada Award for Best Outdoors Feature and the International Food, Wine & Travel Writers Association Journalism Award. Sandra's commitment to delivering insightful, actionable advice has made her a trusted voice in personal finance and travel. Whether she's demystifying credit scores, uncovering luxury travel gems, or exploring the intersection of technology and finance, Sandra empowers her readers to make confident, informed decisions. Follow Sandra for expert insights that balance practical advice with inspiring stories.
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LATEST
Insurance • Jul 22
Canada's life insurance gap: 8.4 million Canadians are underinsured as rising mortgages and debt outpace coverage
Record life insurance coverage masks a widening household gap — especially for Ontario families carrying Canada's largest mortgages. Here's what the numbers say about your policy.
Insurance • Jul 22
Canada's life insurance gap: 8.4 million Canadians are underinsured as rising mortgages and debt outpace coverage
Record life insurance coverage masks a widening household gap — especially for Ontario families carrying Canada's largest mortgages. Here's what the numbers say about your policy.
Insurance • Jul 17
Canadian life insurance for newcomers: Work permit options and the $1M policy many miss
Most newcomers assume they can't get Canadian life insurance without a SIN or local credit history. Here's what they can actually access — and how to apply
Insurance • Jul 17
Canadian life insurance for newcomers: Work permit options and the $1M policy many miss
Most newcomers assume they can't get Canadian life insurance without a SIN or local credit history. Here's what they can actually access — and how to apply
Insurance • Jul 15
Canadian health premiums are climbing 8.3% in 2026 — and OSFI just put insurers on notice
Canada's top financial regulator targeted the insurance sector in its April 2026 Annual Risk Outlook. Here's what rising premiums and new oversight mean for your coverage
Insurance • Jul 15
Canadian health premiums are climbing 8.3% in 2026 — and OSFI just put insurers on notice
Canada's top financial regulator targeted the insurance sector in its April 2026 Annual Risk Outlook. Here's what rising premiums and new oversight mean for your coverage
Retirement • Jul 14
Burnout is driving Canadian physicians and incorporated professionals to retire early, but most aren't financially ready
Nearly half of Canadian physicians face burnout and early retirement. Since standard plans target age 65, many professionals are financially unprepared to retire a decade early
Retirement • Jul 14
Burnout is driving Canadian physicians and incorporated professionals to retire early, but most aren't financially ready
Nearly half of Canadian physicians face burnout and early retirement. Since standard plans target age 65, many professionals are financially unprepared to retire a decade early
Managing Money • Jul 09
Why professionals who retire at 60 could trigger an OAS clawback they never saw coming
Mandatory RRIF withdrawals can quietly push retirement income above the CRA’s OAS clawback threshold — even for retirees who live modestly.
Managing Money • Jul 09
Why professionals who retire at 60 could trigger an OAS clawback they never saw coming
Mandatory RRIF withdrawals can quietly push retirement income above the CRA’s OAS clawback threshold — even for retirees who live modestly.
Managing Money • Jul 08
The retirement tool most Canadian professionals have never heard of — and how it beats an RRSP after 40
An Individual Pension Plan lets incorporated professionals contribute tens of thousands more per year than an RRSP allows — and fund decades of past service in one corporate tax deduction.
Managing Money • Jul 08
The retirement tool most Canadian professionals have never heard of — and how it beats an RRSP after 40
An Individual Pension Plan lets incorporated professionals contribute tens of thousands more per year than an RRSP allows — and fund decades of past service in one corporate tax deduction.
Banking • May 22
Why Canadian women's savings may be losing ground to inflation — and what to do about it
Many Canadian women keep their money in traditional savings accounts earning next to nothing — while inflation erodes their purchasing power. Here's what's holding them back and 3 moves to make now
Banking • May 22
Why Canadian women's savings may be losing ground to inflation — and what to do about it
Many Canadian women keep their money in traditional savings accounts earning next to nothing — while inflation erodes their purchasing power. Here's what's holding them back and 3 moves to make now
Managing Money • May 21
Warren Buffett made most of his fortune after 65 — here's what Canadians in their 60s should do next
Warren Buffett stepped back at 95 having built most of his fortune after 65. His principles — patience, quality and purpose — translate directly to decisions Canadians face at retirement
Managing Money • May 21
Warren Buffett made most of his fortune after 65 — here's what Canadians in their 60s should do next
Warren Buffett stepped back at 95 having built most of his fortune after 65. His principles — patience, quality and purpose — translate directly to decisions Canadians face at retirement
Managing Money • May 20
Savings hit $50,000? 5 moves Canadians should make right now to protect and grow that money
Reaching a $50,000 savings milestone is a turning point — here's the Canadian action plan to make every dollar work harder from this moment forward
Managing Money • May 20
Savings hit $50,000? 5 moves Canadians should make right now to protect and grow that money
Reaching a $50,000 savings milestone is a turning point — here's the Canadian action plan to make every dollar work harder from this moment forward
Investing • May 17
How to catch up on $109,000 in TFSA contribution room before you lose more tax-free growth
The Tax-Free Savings Account (TFSA) now offers $109,000 in lifetime contribution room — but CRA data shows most Canadians are far behind. Here's how to catch up
Investing • May 17
How to catch up on $109,000 in TFSA contribution room before you lose more tax-free growth
The Tax-Free Savings Account (TFSA) now offers $109,000 in lifetime contribution room — but CRA data shows most Canadians are far behind. Here's how to catch up
Insurance • May 16
The Geico turnaround explains why Canadian auto premiums are still climbing
Geico swung from a C$1.9 billion underwriting loss to a C$3.6 billion gain. The mechanism behind that turnaround is identical to what's driving Canadian auto premium increases right now
Insurance • May 16
The Geico turnaround explains why Canadian auto premiums are still climbing
Geico swung from a C$1.9 billion underwriting loss to a C$3.6 billion gain. The mechanism behind that turnaround is identical to what's driving Canadian auto premium increases right now
Insurance • May 15
EVs cost up to 47% more to insure — Canadians need to do the math before they buy
Electric vehicles cost 20% to 47% more to insure than comparable gas cars. Here's why premiums are higher and what to do before you sign
Insurance • May 15
EVs cost up to 47% more to insure — Canadians need to do the math before they buy
Electric vehicles cost 20% to 47% more to insure than comparable gas cars. Here's why premiums are higher and what to do before you sign
Managing Money • Mar 26
What happens to your pets when you die — and how to make sure they're protected
Here's how she set up a legal will with a $50,000 pet fund — and what every Canadian pet owner needs to know about wills, pet trusts and online options
Managing Money • Mar 26
What happens to your pets when you die — and how to make sure they're protected
Here's how she set up a legal will with a $50,000 pet fund — and what every Canadian pet owner needs to know about wills, pet trusts and online options
Credit Cards • Mar 02
Merchant category codes
Learn about Merchant Category Codes (MCCs), a crucial component of payment processing that can help you maximize your credit card rewards.
Credit Cards • Mar 02
Merchant category codes
Learn about Merchant Category Codes (MCCs), a crucial component of payment processing that can help you maximize your credit card rewards.
Credit Cards • Dec 10
Drowning in credit card debt? Why making only the minimum payment could cost you thousands
Explore the difference between making only the minimum payment and paying off credit cards in full — see how each approach affects your financial health and credit score
Credit Cards • Dec 10
Drowning in credit card debt? Why making only the minimum payment could cost you thousands
Explore the difference between making only the minimum payment and paying off credit cards in full — see how each approach affects your financial health and credit score
Credit Cards • Aug 01
One accident abroad could cost you thousands — here's how your credit card could save your trip and your walle
Discover the travel insurance benefits that may be included with your Canadian travel credit card
Credit Cards • Aug 01
One accident abroad could cost you thousands — here's how your credit card could save your trip and your walle
Discover the travel insurance benefits that may be included with your Canadian travel credit card
Banking • Jun 16
As 13% of Canadians ditch cash, the digital payment shift leaves others scrambling to keep up
Is this the death of cash?
Banking • Jun 16
As 13% of Canadians ditch cash, the digital payment shift leaves others scrambling to keep up
Is this the death of cash?
Real Estate • May 29
All about the GST/HST new housing rebate
The HST/GST new housing rebate can help Canadian home buyers recover some of the sales tax they pay on a new builder home or substantial renovation
Real Estate • May 29
All about the GST/HST new housing rebate
The HST/GST new housing rebate can help Canadian home buyers recover some of the sales tax they pay on a new builder home or substantial renovation
Retirement • May 24
12 best places to retire in the world
Discover the best place to retire in the world, with information on the cost of living, health care, accessibility of visas and more
Retirement • May 24
12 best places to retire in the world
Discover the best place to retire in the world, with information on the cost of living, health care, accessibility of visas and more
Real Estate • May 17
10 best neighbourhoods in Ottawa
Discover the best neighbourhoods in Ottawa, with details on home prices, rental rates, schools, parks, amenities and community spirit.
Real Estate • May 17
10 best neighbourhoods in Ottawa
Discover the best neighbourhoods in Ottawa, with details on home prices, rental rates, schools, parks, amenities and community spirit.
Real Estate • May 14
Cheapest places to live in BC
Discover the cheapest places to live in British Columbia
Real Estate • May 14
Cheapest places to live in BC
Discover the cheapest places to live in British Columbia
Real Estate • May 10
10 best neighbourhoods in Vancouver
Discover Vancouver’s best neighbourhoods from affordable ‘burbs with friendly communities and good schools, to affluent, tree-filled historic districts
Real Estate • May 10
10 best neighbourhoods in Vancouver
Discover Vancouver’s best neighbourhoods from affordable ‘burbs with friendly communities and good schools, to affluent, tree-filled historic districts
Real Estate • May 03
Top 10 richest neighbourhoods in Calgary
Discover Calgary’s richest neighbourhoods, from historic mansions to modern estates with exclusive amenities that make these luxury communities the city’s most coveted places to live
Real Estate • May 03
Top 10 richest neighbourhoods in Calgary
Discover Calgary’s richest neighbourhoods, from historic mansions to modern estates with exclusive amenities that make these luxury communities the city’s most coveted places to live
Real Estate • Apr 25
10 best neighbourhoods in Montreal
Discover Montreal's best neighbourhoods for families and young professionals, from vibrant downtown to charming suburbs
Real Estate • Apr 25
10 best neighbourhoods in Montreal
Discover Montreal's best neighbourhoods for families and young professionals, from vibrant downtown to charming suburbs
Credit Cards • Apr 23
Charge card vs. credit card
Discover the differences between a charge card and a credit card and decide which one is best for your financial needs
Credit Cards • Apr 23
Charge card vs. credit card
Discover the differences between a charge card and a credit card and decide which one is best for your financial needs
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