Articles

  • Top Ten Tips to Rock your Finances in 2017
  • Do you want to pay off your debt? Buy a new home? Take a great vacation? Go back to school? Start up your own business? Follow these tips and you’ll be well on your way!

  • FREE Money!
  • Did I get your attention? So, this isn’t about ways you can earn hundreds of dollars per day working from home doing something (not sure exactly what) on your computer. I see ads for that regularly, but I’m unconvinced. AND this isn’t about how you, too, can earn enough money to replace your salary, and […]

  • Feast or Famine – what the Bible can teach you about Financial Management
  • For the past week or so I’ve been considering writing a post on the topic of Personal Financial Management for people with variable income (small business owners, commissioned salespeople, entrepreneurs, consultants…). Here it is!

  • Interest rates are falling – what does that mean to YOU?
  • The Bank of Canada recently cut the key rate to 0.75% – but that’s nothing to Denmark and Switzerland, where the key rate is actually negative(!) (that’s right – you can buy a $1000 bond now, and be guaranteed that at the end of its term you will only get $990 back – at some point it makes more sense to keep your money in a shoebox under your bed!)

    So, what does that mean to YOU?

  • Is 2015 the year you’ll finally Deal with Debt, once and for all?
  • With the new year comes a flurry of New Year’s Resolutions. Year after year, along with losing weight and quitting smoking, improving your finances is one of the most common resolutions. And year after year, by mid-January or so, gym memberships start going unused, and most people abandon any hope of actually living up to those resolutions.

    So – is this year going to be different?

  • Do you LOVE your job?
  • What do you LOVE doing – SO MUCH that you’d do it for free? If it’s not what you’re currently doing for a job, then maybe you should consider setting up a small business.

  • Trading Time for Money; Trading Money for Time
  • Do you work overtime (or two jobs) to earn a little extra cash, and then pay someone else far more – to do something you could have done yourself? If so, you may want to rethink your decisions regarding trading time for money and vice versa.

  • Top Ten Tips to save more money
  • Drowning in debt? Living from paycheck to paycheck? Follow these tips to start getting ahead.

  • Preparing for a Job Interview? Consider these three questions
  • If you’re hoping to increase your income, it’s sad but true that you’ll find it a lot easier to do so by leaving your current position and finding a new one than by asking your current boss for a raise (this may not be true in all companies, and if you love your current job/boss/company […]

  • Beat the “Shiny Object” Syndrome
  • Shiny Object Syndrome: Characterized by being easily distracted, having trouble finishing projects, being somewhat disorganized. Sometimes considered scattered or flaky. I think I’ve mentioned a few times before that I’m on a LOT of mailing lists. In general, I quickly scan the e-mail subjects, and unless something jumps out at me, I delete it. The […]

  • Good is the Enemy of Great
  • Are you familiar with the book “From Good To Great”?

    Chapter 1 (Good is the Enemy of Great) starts out : “And that is one of the key reasons why we have so little that becomes great.”

  • How to stop sabotaging your finances
  • Are you where you want to be, financially-speaking? If not (and, realistically, if you’re reading this article then you probably aren’t), then it’s likely that, to some extent, you’ve been guilty of financial self-sabotage. Who among us has not indulged in a little ‘shopping-therapy’ after a hard day (I still have a fantastic 3mm wet-suit […]

  • It’s Income Tax Season – Are You Prepared?
  • Preparation for tax season starts long before you actually file your taxes. With a proper understanding of Canada’s tax laws, you can arrange your financial transactions throughout the year so that you can (legally) minimize your taxes come tax time. If you wait ’til filing your taxes, there’s really very little you can do to […]

  • Need some inspiration? Look no further!
  • I’ve been using these as backgrounds on my computer the last while – feel free to do the same! Or, if you’ve got an inspirational phrase you love, tell me about it – maybe I’ll make another poster đŸ™‚

  • Should I buy a house – or continue to rent?
  • A friend told me the other day that he was planning to buy a house, because “renting is throwing your money away”. I guess if something gets repeated often enough, then it must be true, right? Sigh. Renting is throwing your money away in much the same way that buying groceries is throwing your money […]

  • Thinking About Buying a Home? 6 Things to Consider
  • Hi, Michele – I hear you have a company that give financial advice to people?? My wife and I are thinking about buying some property. Looking at the market situation right now… Do you think you/your company could advise us on the pros and cons of buying at this time??

  • Food for Thought
  • It’s so very easy to get stuck in the trap of feeling powerless in a situation not of your choosing. Something happened – your job was outsourced, your financial adviser lost your retirement savings, your ex-spouse’s divorce lawyer was very expensive… – and you’re living with the results of that. Does it suck? No question, […]

  • The Secret to Success : 7 Rules to Live By
  • Be a self-starter. Be decisive – even if it means sometimes you’ll be wrong. Work at something you enjoy and that’s worthy of your time and talent. Commit yourself to constant improvement. Give people more than they expect and do it cheerfully. Become the most positive and enthusiastic person you know. Stop blaming others – […]

  • How this 20-something paid off almost $30000 in debt – in under two years!
  • She set a very clear goal – debt-free within two years – and was prepared to sacrifice almost anything to achieve it. She made sure that everything she did for that two year period was going to take her closer to achieving that goal. And – she succeeded!

  • Motivation – and its critical role in achieving your goals
  • 10 Strategies to Master Your Money
  • 10 key things you might want to do to get your finances in (much) better shape.See if you can’t find something that you can apply to your own finances, right away. Let me know how it works out for you!

  • Do you want to have your cake and eat it too?
  • That old saying “You can’t have your cake and eat it too” has always struck me as kind of pointless. Until I started thinking the other day, and began to muse over what exactly that phrase meant to me, in financial terms.

  • If money were no object – how would I be living my life?
  • One of the biggest – and yet most easily overcome – obstacles to living the life of your dreams is the tendency to dream small. To keep your dreams well-rooted in practicality and reality. To focus on all the things you can’t realistically have in your life, instead of dreaming of the things you’d love […]

  • Tax Free Savings Account Mishaps
  • Tens of thousands of Canadians have again broken the rules for a popular tax shelter, triggering yet another volley of warning letters from the Canada Revenue Agency. The agency has sent some 76,000 Canadians a mailout reminding them of the strict rules against overcontributions to tax-free savings accounts or TFSAs — and demanding they pay […]

  • 10 tips to improve your financial literacy
  • I came across this article today, and thought it provided a lot of valuable advice, so I’ve decided to share it with you. For several of the tips, I’ve added my own comments. * * * Article written by Gary Rabbior, the president of the Canadian Foundation for Economic Education. There is much interest in […]

  • (Re)balancing Your Portfolio
  • If you’re an investor, then you’ve almost certainly heard the term ‘balanced portfolio’. And the expression ‘buy low, sell high’ probably rings a few bells. But have you considered that the two are closely related? First, a quick explanation of the balanced portfolio concept. Let’s say you’re a 35yr old project manager, planning to retire […]

  • Mortgage Tip of the Week
  • “Mortgage Tip Of The Week: Accelerated Bi-Weekly Payments” Grrr…. I regularly come across this sort of thing, in finance blogs, financial articles in national newspapers, financial magazines, etc. They all strongly recommend accelerated bi-weekly mortgage payments as a great way to save thousands of dollars of interest over the life of your mortgage. And it […]

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