by Elaine | Apr 12, 2022 | Manage Fluctuating Income and Expenses, Misc
When bill payments are missed, financial woes can be brewing. Interest charges and late fees may be payable.If the money isn’t in the bank to pay a bill, what will you do? Will you take a cash advance on a credit card? Will you use a payday loan to get the money...
by Elaine | Mar 5, 2022 | Misc
There has been an interest rate hike by the Bank of Canada and there has been a dramatic spike in the cost of groceries and gas. You are not alone if you are finding it harder and harder to make ends meet. I bought groceries yesterday and paid over 15% more for some...
by Elaine | Feb 6, 2022 | Misc
Here are practical budgeting tips to create a budget you will want to stick to. Have goals that are meaningful to you.Listen to the voice in your head.Be in a positive frame of mind when you create a budget.Build in the “oops factor”. You have money....
by Elaine | Jan 27, 2022 | Misc
With personal finances, my thinking around creating a SMART budget is that you will live well on the money available. To create a SMART budget, goals should be: S = specific M = measurable A = achievableR = relevantT = time bound Setting realistic goals that are...
by Elaine | Dec 23, 2021 | Misc
What is the cost of convenience shopping for you? When I shopped for a family of 5, I started saving $2,500 a year or more by making one change to my shopping routine. The new routine wasn’t as convenient as the old routine, but it was worth it for me to save...
by Elaine | Dec 8, 2021 | Misc
Budgets and discounts are synonymous with holiday spending. ‘Tis the season. Black Friday and Cyber Monday aren’t the only options for being thrifty. Use the information in this blog to celebrate the holidays, give gifts that matter, have crafts for the...
