As we approach the holidays, we’re getting excited to see family and take a break from the daily routine. Time out from work and some fun and relaxation are in our plan. We’ve become more efficient at preparing for the holidays although we start earlier. Two small kids and full schedules means we can’t leave […]

You may feel you have enough on your plate with the holiday season but here are a few points to think about: The RSP deadline is not for a few months but now is a good time to decide what you’ll do with a bonus, extra cheque or holiday extras The end of the year […]

The holiday season is just around the corner and calendars are already filling up! It can be a hectic time but with a little bit of planning you can focus on the fun, family and festivities. You may have travel plans, many gifts to buy and parties to attend but the enjoyment can be tainted […]

It’s Financial Literacy Week so I began thinking about how I learned about money. I can think of a couple things I learned from my Mom: Keep track of the hours you work – especially if you are paid hourly (it is easy to have a conversation about a discrepancy with your pay check if […]

I know that I was well organized in terms of a budget and longer term planning but this was also born out of circumstances. My parents helped with my first year and then it was part way through my second year that I started to think about my resources… I had done a couple things […]

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 […]

By now the school year is in full swing, classes have started, assignments are in progress and midterm test dates are on the calendar. A few of the big bills are paid and you have a good idea of what to expect for expenses for the upcoming months. You have a budget. What’s next? To […]

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 […]

If you finished the ‘Building a Budget in 3 Simple Steps’, you’re ready to take it to the next level! A budget is the best place to start but don’t leave your plan behind. Adding a plan to your budget is straightforward.Planning is the fun part because most of us know what we want and […]

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 […]