Taxes are freelancers' kryptonite.
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It's time to admit what we don't know and create a real strategy to help Canadians manage our money.
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Spring is the perfect time to open the windows and freshen up your home -- as well as your decor. From deciding on what colour to paint your bedroom to finding the best deals on your favourite art pieces, decorating a home can be an exciting process for many homeowners and renters alike.
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If I gave you $500 a month to put towards your debt, what's the best way to use it? Should you chisel away at the debts with highest interest rate? Or knock off the smaller ones first? The answer might surprise you.
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I did not start out as a budgeting super star. I made lots of mistakes along the way. But once I got the hang of it, I was hooked. I loved the process of figuring out how to save for a goal, and getti...
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There are plenty of hidden costs that come along with the back-to-school season, but at the same time we want to make sure our kids are prepared to hit the classroom. How can you manage your budget effectively?
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Even though I have more than I need, I struggle with making space in my budget for helping the most vulnerable. Maybe you're experiencing similar budget issues. I know from talking to friends that many of them are in the same boat, so I did a little brainstorming. How can we help others when our own purse strings are stretched thin?
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That initial job can also serve as an ideal springboard to talk money management with your kids and help strengthen their financial knowledge.
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Summer is here. It is the time of year when many Canadians let their guards down and sometimes spend more money than planned on a variety of expenses from impromptu road trips to hosting various summer parties. Here are some tips to help you add some funds back into your bank account.
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When a refund is granted, keep in mind that this money was yours to begin with, not a gift from the government. Nonetheless, it's still great to receive those additional funds. Now that you have that extra cash on hand, let's look at ways to maximize your tax refund and get it working for you.
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When it comes to the smaller financial activities, such as the purchase of a birthday gift, some may feel that if the one with dementia cannot remember the occasion then it is no longer necessary to give a gift. After all, what they don't know won't hurt them -- right?
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What you don't have to do forever is live with debt. You don't have to spend every month calculating how much you can afford to put towards debt repayment, while continuing to use credit, and staying in the never-ending cycle of borrowing money and trying to pay it back. It's not an easy cycle to get out of; I know that firsthand.
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March Break is just around the corner, and if you're like many Canadians, you're probably wondering how you're going to afford to pay for it. Luckily, there's an easy way to save money, keep your children happy, and teach them a few life lessons too. Use the break as an opportunity to put your kids in the classroom of life by involving them in the March Break budgeting process. Here's how:
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With the economy continuing to struggle, markets fluctuating and job security in jeopardy, it is no wonder that many people are concerned about their financial futures. In such uncertain times, feeling out of control -- especially when it comes to finances -- can lead to unnecessary stress.
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For those employees who are fortunate enough to receive a year-end bonus, many may be tempted to spend it immediately. But I advise you to resist the urge to spend the money on frivolous items and instead think about putting your hard-earned bonus to work for you.
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It's officially December now and I have no idea what to get anyone for Christmas or how much it'll cost. Everyone should be getting ready to be merry and jolly, but I'm banging my head on the wall thinking of what everyone wold love without breaking the bank.
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From buying a new winter coat and gift exchanges with friends, to purchasing a ticket home and celebrating the end of exams, there is no doubt that the holidays and New Year's Eve can put stress on a student's finances.
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CPA Canada released a Summer Spending Followup Survey, which revealed that 42 per cent of those surveyed were essentially on-budget this past summer. What does this have to do with holiday spending? Quite a bit, actually. Those who fared better followed a few basic principles we might all want to remember.
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For most households, the holiday season is an enjoyable time of year to spend with friends and family but it can also be one of the most stressful -- with travelling, hosting and gift-buying all being a major drain on the household finances. Follow these tips to have an enjoyable holiday season while keeping your wallet intact.
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Black Friday is on November 27 and Cyber Monday is on November 30 this year, and I'm pumping up to win on savings! As you already know, I love me a deal, and I wanted to share with you all of my tips and tricks on getting the best item for the best price. It's a retail battle weekend and you need to be suited up.
It's fall now, and there is so much to do that is more fun than paying your bills. Wouldn't you rather carve pumpkins, shop for new turtlenecks, or take the kids for a drive to see the changing leaves? Why not set up your money tasks so that they are off your to-do list PLUS make some bonus money while doing it?
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Consolidated Credit: The housing market is on the minds of many Canadians these days, particularly millennials eager to achieve the financial milestone of home ownership. But hot markets and rising pr...
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Well, it's official, or at least technically official: we're in a recession. What this means for the greater economy will be debated by economists, analysts, and politicians. But what this means for the average Canadian is pretty clear -- things aren't as secure as they used to be.
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Budgeting isn't a dirty word, yet for many people the process of creating and living on a budget is seen as confusing, restrictive and scary. Creating a budget is actually a very straightforward process. Budgets aren't difficult but they require organization and discipline in order to be successful.
The post-secondary years are the ideal time to lock in great habits and fill any gaps in your children's financial education. Regardless of whether there are savings set aside or loans to be taken, managing the dollars matters. It's our young people who gain the most from good advice as they take on increased responsibility.
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From repairing a leaky roof to replacing a car engine, these unexpected costs can add up fast. But more important than unexpected costs, an emergency fund is your safeguard against a sudden loss of income. That's why financial experts stress the importance of having an emergency fund.
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FACT: 90 Per Cent of the Journey Is Taking the First Step Once you're determined enough to take that initial step towards accomplishing what it is you set out to accomplish, the most difficult part is...
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When I became a parent 15 years ago, I knew it was important to save for my daughter's education. While our income didn't allow for large RESP contributions, we made regular ones, supplemented by money she received, often as gifts, along the way. But with my daughter a mere three years away from post-secondary school, I've learned that my role as a parent extends well beyond helping her finance an education.
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Many Canadians are well aware that a disability could occur at any time. Ninety-six per cent of us believe it, according to a recent RBC survey. The same survey showed that more than three-quarters of us also believe that missing three months of work, due to disability, would put us in serious financial jeopardy. Here are some steps you can take to prepare yourself for a possible disability.
Generation Y Canadians, born between 1980 and 1995, are constantly portrayed in the media as a generation burdened with financial issues. Here are a few tips from my personal experiences to ward off the spend-fests and embrace the habit of saving to overcome student debt.
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I am writing this post mid-Saturday afternoon... and I am wasting a substantial sum of money while doing so. To explain (without getting into too much detail to exacerbate the situation and inflate th...
Graduating students have high debts and the chance of finding a good paying job appears to be low, according to the leading pundits. This may all seem very daunting if you're a grad with two or three part-time jobs who's barely scraping enough together for rent. Here are some suggestions on how you can achieve these goals with careful planning and creativity.