Budgeting

Budgeting

Categories Blog, General, Tips
Most people are only  a paycheck or two away from financial calamity. Simply put, temporary or permanent cash flow interruption and not having a large enough emergency fund.  What, if any, benefit will come from the pain and agony of putting  a budget together going to do to solve this? Simply to ...
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Credit Report

Credit Report

Categories Blog, General, Tips
Have you ever taken out or applied for a loan, credit card or mortgage?  Opened a utility or cell phone account?  Chances are you have a credit rating.This rating that you may or may not know about is very important to you.  There are some of us that will swear up and down that they don’t need ...
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Making the deal

Making the deal

In an earlier post there is some discussion about techniques used to deal with creditors. I would like to speak further to that. There is generally one reason you would need to negotiate with creditors - you missed a payment or you will miss a payment. The reasons are generally Medical emergency, p ...
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‘Tis the season for spending money

‘Tis the season for spending money

We all know it's coming. The decorations hit the shelves as soon as the Halloween candy is gone, and not long after that we are spending money like crazy.  Already you have to put up with bad roads, long lines and endless events to go to. Dipping into your overdraft or your credit shouldn't be on t ...
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November is Financial Literacy Month

November is Financial Literacy Month

Did you know that November is Financial Literacy Month? We sure did and we think it is the perfect time to take a closer look at your finances.This week we wanted to focus on money and relationships. Two things that sometimes react like oil and water. It can be hard to have the tough conversations, ...
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How to Achieve SMARTER Goals

How to Achieve SMARTER Goals

Once you have set a goal which adheres to the SMARTER mnemonic scheme it’s time to look at ways to ensure its success. With the right SMARTER goal, the right elements to achieving success in that goal, and a proper action plan you cannot fail.Here are the 5 top tips to guarantee you'll achieve SMA ...
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Friday Freebie

Friday Freebie

An article in the Edmonton Journal shows that Canadians are now saying that they are foregoing retirement planning because they are focusing on debt repayment. A recent survey shows results of saving vs. retirement and RRSP contributions. TFSAs contributions are also a factor that have been taking a ...
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What to buy, when

What to buy, when

Save money while shopping? It's possible. Amp up your savings by knowing when to hit the stores.Wedding Dresses - Perfectly timed to coincide with holiday proposals, discounts on designer dresses can be anywhere from 30 to 70 percent off.Chocolate and Candy - Indulg ...
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Friday Freebie

Friday Freebie

This weeks Friday Freebie is on productivity.We live in a world of chaos and constant input. Without a way to organize your day, your mind, and your life things can get a little crazy. So what are some daily habits that are simple, quick, and effective. Friday's Find for today is about exactly that: ...
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