Buying a car is an expensive proposition. You want to do your research and make sure the vehicle you’re purchasing is best for your needs. The decisions don’t stop there, though. Once you’ve chosen the car that best suits your lifestyle and budget, you must decide how you’re going to pay for it. There are…
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The younger you are, the harder it can be to imagine what retirement is going to look like. For some, that major life event is 40 or more years away. The reality is this: the earlier you start retirement savings, the more likely you are to have a successful retirement, one that’s filled with all…
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Technology can be a force for good when it comes to budgeting and saving. Canadians like you who want to spend money wisely can use apps to keep you on track. With the power of budgeting in the palm of your hand, there’s no excuse for being unable to keep your finances in line. Here…
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Incremental budgeting is a budget type where you add a specific amount of capital to a previous quarter’s or period’s budget to permit slight increases. This method is mostly used as budgeting for businesses. Although this budget method is simple (much simpler than activity-based budgeting), most financial professionals won’t recommend it. The main reason is…
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If you’re a small business owner or sole proprietor in Canada and have a My Business Account, you can use your login information to access the CRA BizApp. It’s a mobile application that offers secure access to make payments, view accounting transactions and help you keep track of upcoming payments and remittance. According to Canada.ca the application…
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Getting your personal financial house in order takes time and guts. You must put effort into setting up a system that will work for you, and come to terms with all the debt you’re carrying and your poor money habits. Studies show that money is one of the biggest stressors in our lives. A recent…
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Zero-based budgeting is when you allocate every dollar of your monthly income for budgeting purposes. In other words, your income minus expenses should be equal to zero. To do that, you need to ensure your monthly expenses match your monthly income, and that every dollar is being given a purpose. Here’s an important distinction: A…
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The disability tax credit (DTC) is a tax credit to help lessen the tax burden of those with a disability and their supporting person. In this article we’ll look at who is eligible for the DTC and what happens after you send in Form T2201, among other things. What is the disability tax credit? The…
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For anyone struggling to pay their month-to-month bills and service their debt, the stress can be overwhelming. In many cases the debt continues to climb, despite making payments, because you’re expenses keep rising. The strain of this can be devastating; studies show Canadians are increasingly worried about their financial situation. Many aren’t sure how they…
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Paying off debt is hard work. It often requires months of persistence, strict budgeting, and frugality. It’s not a fun experience, which is why so few Canadians are debt free. If you don’t love the idea of living frugally while paying off debt, you should look into ways to pay it off faster. Most of…
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