As the weather improves and the temperature warms up, so does the fun. Weekends away, barbecues, weddings and summer holidays start to fill the calendar. It’s easy to accept many invitations and deal with the bills later. Save yourself some spender’s remorse and check whether your budget can handle all the holidays. Take a look […]

What should Betty do? Her concerns are quite clear. What can she do to increase her confidence with respect to her finances? The first step is to take a look at past patterns. How much does she make each month (after tax) and how does spend it? Does her income cover her expenses? This is […]

I opened our mail today and it was full of bills! It’s that time of year when the holiday spending catches up with us. Income tax preparation and RSP marketing are in full swing. What to do? Betty has been back at work for a couple weeks and is feeling the pressure to start the […]

Budgets are pretty simple when you get right down to it. A budget is a plan to bring in enough money (income) to cover the money going out (expenses). If you can’t manage to pay your bills with the money you have or earn, you are short cash (deficit) and in the short term might […]

The last steps….the ultimate goal is to finish post secondary school without any debt. No small feat. A huge achievement if you can do it. The annual loan amounts have a way of creeping up in total amount owing and this can mean some fairly hefty monthly loan payments. A few thousand this year and […]

September will forever mean back to school but this year September means the start of school for our 5 year old. Entry into Kindergarten is very, very exciting. Despite the challenges of transitioning from full time child care to the school year calendar and a new before/after school care, the difference between the 2 monthly […]

It’s never fun to get the credit card bill especially if it shows a huge balance, more than you can pay. A feeling of dread. If you’ve had enough of feeling this way, it’s time to take action and deal with it. There’s no easy solution but small steps can make a big difference. Here […]