The holidays are just around the corner – are you prepared? For most of us, the reality is no. Each year you may tell yourself that you’re going to start earlier, make a strict gift-buying list and stick to your holiday budget, but Christmas always seems to have a way of creeping up on us. […]
Why You Shouldn’t Use Your Credit Card for Christmas Shopping
The holidays are meant to be a happy time, spent with family, friends and loves ones. We take time to go out and shop for the perfect gift to show our love and appreciation for all the important people in their lives. However, with the Christmas carols and dazzling lights, most people get swept away […]
Online Budget Calculators in Canada
The main purpose of a budget is to determine how much money you have coming in and how much money is going out, and to where. For a budget to show the picture clearly, you need to gather financial statements, record your income sources, list your monthly expenses, categorize your expenditures, and make necessary calculations […]
10 Practical Money-Saving Tips for Financial Literacy Month
November marks Financial Literacy Month across Canada. After a difficult year for many Canadians, more and more people are facing financial hardship. Financial Literacy Month, now in its 10th year, aims to help Canadians learn how to better manage their finances in challenging times. “Financial literacy gives Canadians the confidence to make smart financial decisions, […]
How to Grocery Shop on a Budget
One of the most important line items in the family budget is for food, and the best way to manage that budget line item is to stick to a grocery list. Having a list each time you go to the grocery store ensures that you don’t get sucked into impulsively buying things you don’t need. […]
How to Save If You Don’t Have Money
How much money is in your savings account? If you answered $3 dollars or something similar – you’re not alone. In fact, a 2019 survey from Refresh Financial found that 49 per cent of Canadians have no money set aside for an emergency, and 53 per cent live paycheque to paycheque. If there’s anything we’ve learned […]
5 Ways to Save Money on Gas
Balancing a budget can be tough. If you’re struggling to find ways to cut back, consider your gas bill. While it may seem miniscule, you can definitely save money by not going through as much fuel, and ultimately, it all adds up. Here are 5 ways to save money on gas. 1. Change Your Driving […]
8 Free Fall Activities for Your Family
Having a great time with your family doesn’t have to cost a lot, so check out these eight free fall activities that won’t burn a hole in your wallet. Take a hike. There’s no denying that a big part of fall’s charm is the changing of the leaves. Get out into the woods for a hike […]
How to Choose the Best Savings Account
Whether you’re saving for a new car, a down payment on a home, or post-secondary education for your kids, opening a savings account is an important step to achieving your savings goal. Savings accounts are important because standard chequing accounts don’t pay the kind of interest that makes saving worthwhile, while investments in stocks or […]
How to Manage Your Money in Retirement
You’ve finally retired – congratulations! Now is the time to truly enjoy life after dedicating decades of your life to your career. That is, provided you’ve saved up enough money and don’t have any debt. While many of us long for our golden years to be full of travel and relaxation, the reality is that […]
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