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 […]
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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. […]
Why You Need an Emergency Fund
Murphy’s Law states that anything that can go wrong, will go wrong – eventually. If you aren’t prepared for the unexpected challenges that life throws your way from time to time, then you may find yourself in a very difficult spot. This is why it is important to have an emergency fund at all times. […]
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 Prepare Your Finances for Someone Else to Take Over
What happens when the person in the household who handles the finances is no longer there or is unable to handle them on their own? If you’re reading this, you are most likely the person who is in charge of the family finances. Now, imagine that you had to go away for six months and […]
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 […]
Money Management Tips for Teens
For most teens, as soon as money lands in their hands, they start itching to spend it. As a result, they often go broke soon after they get the money. Teenagers are old enough to know what money can do but haven’t yet learned the ins and outs of working hard for money and how […]
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