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Category: Financial Tips (16 posts)There’s one piece of good news about mortgage prepayment penalties: The cost of the penalty can be used as a tax deduction if you are breaking your mortgage to move 40 km or more to be closer to work..
The Canada Revenue Agen ... [read full post]
Debt reduction tips for Boomers
As Boomers get closer to retirement age, many are still loaded down by debt. This is an issue because their income will be greatly reduced during retirement and paying down debt will be increasingly more difficult. The best idea is to clear the de ... [read full post]
Online Shopping - What you Need to Know
Canadians spend more time online than citizens of any other country. The key to staying safe when shopping online and using digital technologies is knowing where the risks may be and how to protect yourself.
While most shopping sites are cre ... [read full post]
“Living for today, saving for tomorrow”
Saving for retirement may not be number one on your list of 2012 intentions, however it's important to start saving as early in the year – and your lifetime – as you can. Canadians who haven't yet set up their retirement savings can he ... [read full post]
Family Budgeting 101
From groceries to the hydro bill, every family needs to watch their pennies.
“A family needs a budget that everyone can follow,” “Ensure you track expenses and plan for costs. This will help you save more and spend less.& ... [read full post]
How To Save on Auto Insurance this Holiday Season
Holiday travel, presents, family feasts—with the holiday season fast approaching, everyone could use a little more cash in their pockets. If you're looking for simple ways to save, here are some tips on how to save money on your auto insuran ... [read full post]
How to Get the Most Mileage Out of Every Tank of Fuel this Winter
Follow these fuel-efficient driving tips from Natural Resources Canada (NRCan) and make fewer trips to the gas station this winter:
• Avoid aggressive driving behaviours, such as quick starts and hard stops—that can increase ... [read full post]
Stop Shaking Your Piggy Bank. Shake Up Old Habits Instead.
Remember what your first savings account looked liked? It was probably a piggy or a giant baseball with a slot at the top. You'd shake it and money would fall out. Then there was some running to the corner store for candy. And then soon enough, it ... [read full post]
The Financial Implications of Living Longer
It's a fact that Canadians are living longer today than ever before and while this is great because we'll have more time to spend with loved ones—it's a bit alarming from a finance and savings perspective. Data suggests th ... [read full post]
Is your money being eaten away by bank fees?
The average Canadian pays $185 a year in bank fees. Simple banking transactions such as using your debit card at the store, sending money to a friend via email or writing a cheque can add up, not to mention that most chequing accounts don't pay an ... [read full post]
How to Calculate a Home Buying Budget?
When house–hunting, some factors, like the features of the home, can be adjusted once you've made your purchase, while other factors, like the location, cannot be. Finding the right home is about getting the right balance and at a price you ... [read full post]
Posted in Financial TipsHow to Save With the Way You Pay
How will you pay for this today? Maybe it’s time to change the way you answer this common checkout question.
With more payment options than ever, consumers can find easy ways to save money, simply by using a different payment method. ... [read full post]
Budgeting for Interest Rate Hikes
Interest rates, near historic lows for much of the past two years, are widely expected to increase through the latter half of 2011. The cost of carrying debt, including mortgages, lines of credit and credit cards, will be affected.
“ ... [read full post]
Five Steps to Building Your Financial Muscle
Ballooning credit card debt? Expensive kids? Large mortgage? Feeling in over your head? Read below for 5 steps to help you build your financial muscle.
Every day: Record purchases
Keeping track of every dollar spen ... [read full post]
Tips on Keeping More of Your Money
According to a recent survey released by the Canadian Payroll Association, 59% of us don’t have enough saved up to pay for next month’s necessities if we suddenly got laid off. If you find yourself living paycheque to paycheque where y ... [read full post]
Five Tips for Smart Back to School Shopping
Start your back-to-school shopping with a game plan. Even if your child’s teacher hasn’t provided a list of school supplies, you can’t go wrong by sticking with the basics and taking advantage of back-to-school sales. Here’ ... [read full post]
