If you live in the province of Quebec, you most likely celebrate National Patriots’ Day. The annual holiday falls on the Monday before May 25th. It is a statutory holiday that many Canadians outside of Quebec may not be aware of. National Patriots’ Day coincides with the Victoria Day holiday that is observed in the…
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Digital shopping is great for convenience, but for those who tend to shop too much, Apple Card can be a dangerous tool in the palm of their hand. Here is what we know about Apple Card, digital wallets and the dangers of over shopping.
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Activity-based budgeting is a method associated with business: it’s when you figure out all the costs for all your products and services. After you have a list of those costs, you then make a budget based on all your business’s activities. Usually when you’re budgeting, you look at the previous year’s budget and make changes…
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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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If you want to learn about the best budgeting apps available, now is a perfect time. Canada is moving towards an increasingly cashless society. Eighty-five percent of Canadians don’t pay with cash regularly. While there are many benefits to a cashless society – safety, convenience and reward points, restraint of spending isn’t one of them….
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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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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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Face it, when it comes to debt, no matter how big or small, it can be a major source of anxiety for Canadians. Paying debt off is a priority for most people but many worry how they will do it. According to the most recent MNP Consumer Debt Index, Canadians are increasingly worried about their…
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