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 […]
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 […]
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 […]
7 Bad Spending Habits You Should Change Today
Bad spending habits could be holding you back from financial freedom. Some of those habits may not seem like a big deal, but they can lead to you wasting a lot of money over the course of a year. Here are seven habits that need to go, and how you can replace them with […]
What is Overdraft Protection?
If you have accumulated debt that is starting to get out of control, consider turning to certified credit counsellors who can steer you back toward financial stability. One of the things you will learn is managing your money carefully so that you are not spending more money than what is in your bank account. […]
5 Personal Finance Tips You Shouldn’t Follow
You may have noticed that the internet, as powerful of a learning tool as it can be, is flooded with bad advice from novices. Why is this the case? It starts with one bad article that sounds good and appears to be credible, then other writers duplicate the same content with different wordage. One thing […]
7 Creative Ways to Save Money Every Day
Life is expensive. A seemingly loaded bank account can quickly evaporate from a monthly onslaught of recurring bills, seemingly minor purchases and daily expenses. You can, however, cut into your monthly expenses in numerous ways. You have likely heard money saving tips such as saving loose change, buying in bulk and couponing. We are not […]
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