Congratulations if this is you! It doesn’t take long to switch your thoughts to wedding planning. There are a lot of hats to wear when arranging the big day and it can get a little overwhelming…..project manager, PR representative and psychologist to name a few. Weddings are big business and it doesn’t take long to […]

Keeping within budget can be tricky and is an art. Here are some ideas: Food Cost – One of the highest monthly expenses. Minimize waste with a plan, reduce the number of times you purchase meals out with a menu plan and leftovers for lunch. • Plan a weekly menu • Include meals for dinner […]

The variable and short term rates look so attractive! The question is – Can you sleep at night? How long do you plan to stay in your home? Answering these questions will help you decide what term to choose. Mortgage rates don’t always change when lending rates go up or down but often they do. […]

It’s a simple question, but there isn’t always a  simple answer. It really depends on 2 things: How much of a down payment do you have? What mortgage payments can you afford? A bank will use additional criteria to evaluate whether they will lend you money to buy a home including calculating your net worth, checking your […]

Almost everyone has access to credit these days. Teenagers and adults use credit cards, lines of credits, vehicle leases, loans and mortgages. They may be different in how they work but at the end of the day, it’s borrowed money. There are various associated fees including: Interest Cardholder fees Legal fees Transactions fees Currency exchange […]

Emergency savings, contingency fund? Who has one? How much do you have? I suspect the answers are along the lines of: What? How do I get one? How much do I need? Without any warning, an emergency such as a sick family member, job loss or car repairs can throw a wicked curve ball. Few […]