It’s officially December, which means the holidays are just a few short weeks away. If you’re a planner, perhaps you’ve already done your shopping. But if you’re like most Canadians, you’ve still got a ways to go. According to a 2019 report, only 18 per cent of consumers say they finish their shopping prior to […]
Take Control of Your Finances With a Budget
Taking control of your finances can improve your financial well-being, and your overall mental and physical health. It reduces your stress by putting you in the driver’s seat. The good news is that there are concrete steps you can take to improve your financial well-being A budget is the foundation. It’s a simple but highly […]
Applying for Credit? Only You Can Decide What Makes a Good Offer
At some point, most of us have been offered financial products and services we hadn’t planned on buying. Perhaps it was in the form of extra insurance on our credit card or on our mortgage, or of a “pre-approved” increase to our credit limit on our card when we called the bank for something else. […]
Invest in your financial well-being
Every year, more of us struggle to meet our financial commitments. Many of us carry high debt and don’t even have access to basic emergency savings. In fact, Canadian households are devoting less of their disposable income to savings than ever before. Our debt-to-disposable income ratio is at an all-time high. Whatever form debt takes […]
Summer Vacations Ideas That Won’t Break the Bank
We all look forward to summer vacation but sometimes worry about the cost. Particularly if you’ve had a spate of unexpected bills we can end up feeling a little depleted of funds. There are though some great summer vacation ideas that won’t break the bank. Try a few of these suggestions. Try a staycation Often overlooked when considering alternative summer […]
5 Ways To Reduce Credit Card Debt
According to a recent credit report issued by Equifax Canada, consumer debt in Canada stood at $1.529 trillion as at the end of 2014, a rise of 7.7% from $1.42 trillion in 2013. This consumer debt was primarily acquired through credit cards. The numbers when it comes to credit card debt in Canada are a cautionary tale. […]
Easy Ways to Save Money on Everyday Expenses
Sometimes you just need to find a little extra money in your budget. Maybe you want to pay off debt, establish an emergency fund, or just purchase a special gift. Don’t worry! There are plenty of easy ways to save money on everyday expenses in almost every area of your life. Adding just a couple […]
10 Budgeting Tips That Really Work!
A journey of 1,000 miles begins with one step, and the journey to financial freedom is no different. It begins with the first step of planning how to use what you have to make the steps towards being financially secure. The following budgeting tips will help you to do just that: 1. Know how much […]
Preparing a Grocery List on a Budget
One of the most important line items in the family budget is for food. One of the most powerful tools for managing that food line item is your grocery list. If things are a little tight right now, try preparing a grocery list on a budget. Here are a few tips that will help […]
Budgeting for House Maintenance Costs
For many Canadians, one of their goals in life is to achieve their dream of home ownership. However, statistics show that it is increasingly difficult to find the money to purchase your first home. With that said, anyone lucky enough to afford a home would be wise to incorporate an economic contingency plan. In retrospect, far too many […]
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