For most of us who own a home, mortgage payments are are greatest monthly expense and of us who live in the Lower Mainland, mortgage payments can eat up a disproportionate amount of our income compared to other expenses.   The first thing to do is gather some information: What is your current mortgage rate and term (for how long will you […]

I am often bewildered when I receive our credit card bill each month. Why is it so high? Why are we not on or under budget (ha ha!)? In reality, I know I’ve done a good job with our financial plan and budget and the only category that we have trouble with is ‘entertainment and […]

This may well be the case but before you think about setting a new one, ask yourself a couple questions. When was the last time you did your budget? When was the last time you looked at it? Do you compare your actual income and expenses to the ones in your budget? Have you experienced […]