Three Ways Money Flows

Stop making your finances so complicated! There are three ways money flows. So many people don’t take control of their finances because it can feel so complicated that people don’t know where to start. Well I’m here to tell you, that it doesn’t have to be overwhelming, take a deep breath. There are actually only […]

Spending Plan

SPENDING & SAVING

MONEY MINDSET

PROFIT PLANNING

FINANCIAL FREEDOM

creating cashflow

passively profitable

Both your quality of life and the size of your bank account matter. How would you rate the quality of your life? And how would you rate the quality of your bank account? You may not realize it, but the decisions we make every day about the quality of our life impacts our bank account […]

Quality of Life AND Money

Spending Plan

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What happens when you only pay the minimum balance on your credit card. There are some areas in life where you can get by just fine by doing only the minimum or putting in the least effort required. For example, if your clothes end up on a chair at the end of the day rather […]

Paying Just the Minimum Balance

Spending Plan

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Credit score range… where do you stand? Your credit score is a numeric expression of your behaviour with money from the eyes of money-lenders (for example a bank) at a given point in time. It is important to have good credit, even if you don’t think you need it. In Canada, there are several different […]

What is a Credit Score Range?

Money Misc

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When you are thinking about a high interest savings account, make sure you’re not giving your money away… To the banks that is! Many of us are so afraid to lose our hard earned money through investing that we stash our funds in a high interest savings account. While this is a better option than […]

Finding The Best High Interest Savings Account

Saving

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Nominal interest rate and effective interest rate…. you’re paying HOW MUCH? I’m sorry what? Many of us don’t realize that we are paying more than the posted rates we see in commercials. What we are actually paying is the effective interest rate, which is based on how often the interest on our balance owing is […]

Nominal Interest Rate and Effective Interest Rate

Spending Plan

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Cash, debit or credit… what’s your payment preference? Most of us put very little thought to how we pay for everyday purchases.  In fact, I would go so far as to suggest that our method of payment is so automatic, that we don’t even stop to consider why use cash, debit or credit or the […]

Spending with Cash, Debit or Credit

Spending Plan

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Taking advantage of an employer matching program is like getting free money! Free money is sometimes attainable if you know where to look. I’m baffled at the number of people who do not take advantage of an employer matching program, which can be considered free money. Many companies both large and small can have employer […]

Employer Matching Program

Saving

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Secured Credit Cards are like having a second chance at building your credit! A second chance at rebuilding your credit that is!  Most of us aren’t taught in school what a credit score is, let alone how to manage and build our credit.  It’s no wonder when it comes time to qualify for a mortgage […]

Secured Credit Cards to Build Credit

Credit & Debit

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Here’s my best money saving tip; know the trade-off! My best money saving tip when saving for something really big is to break it down into bite sized micro-saving goals and understand the trade-off. It is very common to get overwhelmed when you are saving for something really big. It is easy to think that […]

The Best Money Saving Tip

Saving

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