I know what you’re thinking – summer seems way too far away to be worrying about what lies ahead. However, that is exactly why you need to start planning and prepping for any upcoming expenses for your summer vacation. Not unlike Christmastime, summer travel and events can end up being just as costly. Wedding season…
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Some people feel very anxious when they’re in debt and want to pay it off as soon as possible. But if you have a lot of debt or if you have many different types of debt, then you might be confused as to which debt you should pay off first. The first thing that you…
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We all know the cost of getting married is expensive. But have you stopped to think about how the cost of breaking up can be even more? Many couples don’t consider the financial consequences when they call it quits on their marriage. Without a doubt, you should never stay with someone just to save money,…
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Money is one of the major reasons couples fight. A study out of Utah State University found that couples who fight frequently about money are more likely to get divorced. That’s compared to any other issue they might fight about, child rearing, their love life and household chores (as an example.) Before your relationship moves to…
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One of the best ways to free up room in your budget to pay down debt is to trim your expenses. There are plenty of ways to trim your budget, but one often overlooked method is to reduce your utility costs. Home heating makes up 42% of your home’s overall energy use, and drain your…
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We’re getting closer to the time of year when the Canada Revenue Agency awaits your annual income reports. From there, they will determine whether or not you are income tax receivable or income tax payable. What’s the difference, you ask? Income tax payable means that you must pay the government within one year, and income…
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Every financial situation is unique and unlike others experiences, which is why every piece of information you can absorb during debt repayment will help. I know, I know, you’re tired of hearing the same old instruction from the same old places. So instead, we decided to see what others (who have been through similar circumstances)…
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When you’re in debt repayment mode, cutting down on your variable expenses is an important way to free up extra cash to pay off your debt quicker. I did it, and it was a key part of my debt repayment strategy. Cutting down on variable expenses is as simple as ditching any expense that you…
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When you’re on a budget, the most mundane holidays and events can cause financial distress. Does your friend have a birthday coming up? You’re probably already stressing about being able to afford the dinner she invited you to. The same concept applies to holidays, including Valentine’s Day. Listen, I understand. No one wants to be…
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After landing your first full-time job the advice is often to start saving for retirement. Now it can be hard to convince a young person to put money away for an event that’s 40 years in the future. But what can be even more difficult is understanding where to save that hard earned cash. In…
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