Finally, Step #3. Use your budget A budget is only valuable if you use it. It is a guideline to ensure that your monthly income covers your monthly expenses. The simplest way to use your budget is to monitor your actual income and expenses against your planned/budgeted income and expenses. At the beginning, it may […]

Step #2 entails a little bit of math. Now that you’ve gathered and reviewed the information, it’s time to do something with it. Your budget will have 2 sections. One for income and one listing expenses (It’s generally easiest to work with monthly numbers). Make sure that all monthly expenses are included. Subtract the expenses […]

Does everyone dread having a budget? Most of us do. Creating and managing a personalized budget can be done in 3 steps. The first step is probably the most difficult and takes the most time but it is the foundation of a solid budget. Gather your financial information including pay stubs, tax returns, bills, bank […]

A recent trip to the Okanagan brought back memories and satisfied the taste buds. Memories of trips to the garden for vegetables or fruit for the dinner table. Many items could be plucked, washed and eaten while a few like peas and corn took a tiny bit more effort. I have very clear recollection of […]

It’s common sense that you pay extra for convenience but sometimes buying quality doesn’t cost more. A few shopping experiences over the last week has given rise to some gems. Here are some smart shopping tips: High-end salon promotion: Buy $100 of products (I bought bulk shampoo & conditioner – lasts the year) and receive […]

It’s common sense that you pay extra for convenience but sometimes buying quality or local doesn’t cost more. A few shopping experiences over the last week has given rise to some gems. Here are some smart shopping tips: High-end salon promotion: Buy $100 of products (I bought bulk shampoo & conditioner – lasts the year) […]