Category Archives: Budgeting

“The goal isn’t more money. The goal is living life on your terms.” – Chris Brogan While we all know that saving makes sense, not enough of us are actually doing it. Ever since credit cards were introduced in the early 1980’s, the savings rate in Canada has steadily dropped…. Read more

I hate overdraft protection. Hate it with a purple passion. Why? Well, in principal it’s a good tool to have when you’re in transition. When your life is in turmoil, it’s nice to have a safety net to protect your credit history. But IN PRACTICE most banks let you treat… Read more

I like to think that I’m a responsible, respectable, law-abiding citizen. Or at least responsible and law-abiding. But I have to confess that I have removed most of the “DO NOT REMOVE” tags from the pillows inside my house. GASP! On occasion, I have totally gone wild and parked my… Read more

I’m going to let you in on a little secret. I love weddings. I’ve been to a lot of weddings. Defying all odds, I even found someone willing to marry me. The Big Day There’s really no other occasion that compares with the pure joy and optimism of a wedding…. Read more

Sometimes buying is the only way to go: think toothbrushes and underwear. But for just about everything else there’s a rental option that could let you try before you buy. So when does it make sense to rent, and when does it make sense to buy? More For Your Money… Read more

This is a guest post by the experts at Ratehub.ca It’s important to save money, but it also helps if you save in a way that minimizes your tax burden. The less you pay in tax, the more you get to keep for yourself. Fortunately, the government has created two… Read more

It stands to reason that if we want to be better at managing our money, we need to know where our money is actually going. That sounds obvious but like so many other things in personal finance what sounds obvious often isn’t.  Lots of people arrive to the end of… Read more

February is often known as the month of romance.  Mid-February is marked by Valentine’s Day, a day of symbolic gestures of love.  And while it is great to have a day of romance, flowers and chocolate may be less helpful to a relationship than sustainable strategies around everyday issues such… Read more

There are people out there who believe that they don’t need a budget. So you have no income and no expenses then? Or is it that you’re so good with numbers in your head that it’s not worth your time to write them down? Or maybe you make so much… Read more

If your financial situation is less than awesome right now, then financial independence might feel like an impossible dream. However, it’s worth remembering that there are plenty of people out there who have taken themselves from the depths of financial despair to the height of financial success. If they’ve done… Read more