Before we move straight to making the 2014 plan, now is a good time to consider the reasons why this might not work. Not to be negative but often I hear people say ‘I’ve tried this before’ or ‘It never seems to work’ so let’s get the barriers to success right onto the table. They […]

It’s time to roll up your sleeves and get to work in Step 3. If you’ve already gathered your financial information such as pay cheques, bank and credit card statements you’re all set. If you haven’t, now’s the time to do it. If you’re comfortable using Excel then it will make calculations easier but I […]

Once you’ve got your goals in mind it’s a good time to step back and review them to make sure they are in line with your values. Try to prioritize them despite that some may be longer term goals. If you’re having trouble deciding between two or more goals, take them two at a time […]

Wouldn’t it feel great to have your financial affairs sorted? The first steps are quite straightforward and relatively simple. The key is making your lifestyle and your finances fit together so they balance! This can be a little tougher but if it’s important to you, the rewards are worth it.   We’ll go through the […]

The holidays are just around the corner and so is the new year!  Get a head start on your 2014 financial plan by taking one small but very important step. Think of 3 things you would like to achieve in the following time frames: A short term goal – 1 Year A medium term goal […]

It’s the time of year when we tend to indulge and treat ourselves, our families and friends to  special food, drink, celebrations and gifts. When the holiday bills arrive we open them with some trepidation and ‘gulp’, figure out how we’re going to cover it. Sometimes we make conscious decisions to forgo this to buy […]

  You probably make at least and maybe more holiday lists but do you make a budget? It’s easy to become overwhelmed by the holiday season because between gifts, cards, holiday functions and regular life….it gets busy! And that can mean that attention to details is exchanged for what’s easiest and what’s easiest is almost […]

Common sense tells us that keeping in good health is the right thing to do but sometimes, you can’t control what happens. Last Friday I had knee surgery to reconstruct my ACL (due to a soccer injury) and I consider myself very lucky. Granted, going in for surgery provokes anxiety and the rehabilitation process is […]

This is a great time of year to start saving because summer is over and it’s ahead of the holiday season. How much is enough? That is the question. For many of us, we assume we are limited by what’s left over at the end of the month. How about approaching it a different way? […]

It’s been a little over a week since we returned home after a fabulous summer vacation and the return to regular life is a bit of a shock.   Did you take holidays over the summer? Did you do something fun? A trip, travel or staycation? How much did it cost compared to your budget […]