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financial management

There are many things that are expected to go hand-in-hand with growing a business, such as little sleep, cash flow concerns, stress, and endless coffee consumption, but with so many tasks to complete (and endless decisions to make), many entrepreneurs fail to acquire the proper tools to successfully transition from startup to successful business.
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.
Regardless of what type of investment products you're using, you should always know what it's costing you to have your money managed. If nothing is done to reduce the fees institutions are charging for investment management services most Canadians are going to be poorer then they think.
We were being financially responsible. But as we were talking, we realized that there were a few ways to save money. Somehow we always caved to that morning coffee at Starbucks. It was those nights out, morning, afternoon (sometimes late night) coffees and shopping that really chipped away at our finances.
Professionals are important partners to help you understand where your business is at and where it is headed. They will use the data from financial management tools, analyze it, make sense of it and provide a personalized overview of your business and its needs. It's important you work with an accredited advisor and someone you trust with your business.
Have you ever had one of your friends ask to borrow money from you? Most of us are willing to oblige when the amount is small -- like $10 or $20 -- but what about when the amount is more significant? You are placed in an extremely difficult spot when a friend or family member is asking for $1,000, $5,000 or more.
Financial stress has been identified on the intake forms of nearly 80 per cent of my naturopathy clients, most of whom are women. For a significant portion of these individuals, it is not that they don't have adequate earnings; it is usually that their money is not managed in a manner that supports their lifestyle or long-term goals.