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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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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Have you heard the expression ‘throwing good money after bad’? Well this idiom can also be applied to understanding sunk costs! Let me explain… have you ever spent money on an item or experience and later, had to pay more money towards the same original expense?  This could be considered throwing the good money after […]

Understanding Sunk Costs

Spending Plan

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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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Let your money reach it’s full potential with compound interest. According to Albert Einstein, compound interest is the 8th wonder of the world.   Compound interest is interest added to a principle amount, which in turn earns additional interest. To clearly understand compound interest, it is best to contrast it with simple interest.  With simple […]

The Magic of Compound Interest

Saving

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Have you been building an emergency fund? Ever notice how the rain bothers you most when you’re caught off guard? When you’re wearing a fabulous outfit and your hair looks great. We all know to expect rain, so why don’t we always find ourselves prepared? If you had rain boots, an umbrella and a good […]

Building an Emergency Fund

Saving

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