Wellness Blog

Posts By: Heather Cudmore

teen and adult

Tips To Help Teens Become Good Money Managers

Today’s generation of teenagers face a number of challenges when it comes to managing their money. They are a targeted market inundated with advertising, they can easily obtain credit and debit cards, and, overall, they have been raised in an age of greater affluence with higher expectations when it comes to material goods. So, how… Read more »

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7 Resolutions for Your Finances in 2016

Often at the start of January, we make resolutions about things we are going to do in the new year. To safeguard your hard-earned cash, you should also look to things you are not going to do in the future. Here are seven recommended “Don’ts” to adopt as part of your everyday money management practices…. Read more »

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man listening

Have You Been Told Scary Tales from Creditors?

As many celebrate Halloween, one of the traditions is to share scary stories. In my role as Credit Counselling Manager, people tell me a lot of scary stories that have been fabricated by creditors. Many clients will contact our office with questions like: “Can I get kicked out of Canada if I owe money?” “Can I… Read more »

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boy with school book

Back To School Budgeting Tips

Next to the Christmas season, September and Back to School shopping is the most expensive spending period for most families. It can really cause families to lose track of their budget. Here are some tips to help keep this costly season in check. Start by taking an inventory. Look at what you have, make a… Read more »

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piggy bank

Steps to Help Your Kids Become Effective Money Managers

The way we spend money is based on our family value systems. Our parents first influence our attitudes towards money. With that in mind, it is important for parents to think about how they are going to teach their children to be responsible consumers and money-handlers. Children need to learn about the value and function… Read more »

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money

It’s the Season to Spring Clean Your Finances

Spring is the time when flowers start blooming, grass turns greener and, for some reason, “spring cleaning” comes to mind. When I think “spring cleaning,” I don’t normally think of cleaning my home (although I probably should), I think of organizing my paperwork. It might be because I have finished my income taxes and I… Read more »

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Tax Time is here.

We should all be completing our returns…why? There are many benefits to completing your tax returns: For the Employee: To verify that your employer has deducted CPP, EI Benefits and Income Tax properly and to qualify for the Working Income Tax Benefit (WITB). For Parents: To qualify for benefits for your children. First of all… Read more »

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man stressed over bills

Four Stress Strategies To Manage Financial Worry

Desjardin Financial reported that 61% of people cited personal finances as their #1 source of stress. And just like physical, emotional and environmental stress, financial stress can become overwhelming. It is estimated that employees with debt are spending 1 hour per day dealing with money at work. According to a Mayo Clinic report, there are… Read more »

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Seeking Unbiased Info About Managing Money?

Are you looking to increase your budgeting skills? Do you want to know more about interest rates or about your credit bureau? Are you considering buying a home, but aren’t sure if it’s better to rent? We all have lots of questions when it comes to making good decisions around managing our money. But where… Read more »

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image of holiday shopping

16 Holiday Shopping Habits to Adopt This Season

The excitement of the holiday season is upon us, however, so is the worry of what that means for our pocket books. There are ways to have an enjoyable yuletide without breaking the bank. Make a list and check it twice. Include whom you want to buy for and how much you want to spend… Read more »

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