In today’s work world, there are no guarantees other than the certainty of change. Changing markets, the need for new skills, the impact of technology, all contribute to the uncertainty of our work. It is estimated that in the course of a normal working life span, the average individual starting out in the workforce today… Read more »
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 »
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 »
Post-secondary education is an expensive pursuit, and costs are rising with each passing year. The average overall annual tuition cost for a Canadian university is around $5000, which is $20,000 over a four year degree. This does not include other costs, such as textbooks, supplies, renting an apartment, utilities and food. The numbers add up… Read more »
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 »
During difficult economic times, we have to cut back on spending in order to afford the rising costs of necessities, and the expense of a vacation is often out of the question. We could, however, still enjoy a revitalizing holiday experience, without the expense, by embarking on a stay-cation. The key to a successful and… Read more »
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 »
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 »
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 »
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 »
We hope you find some of the these archived blog posts useful as we all look to manage and find the joy in daily living.