For years we have been told that money doesn’t lead to happiness. So why is it that so many crave riches? Recent research suggests that money can deliver enhanced levels of satisfaction – not from having more of it - but by spending it on things that last and yes, even giving it away. A… Continue Reading
When it comes to saving money few people think about the Hydro bill as a place to hunt, yet there are several simple steps we can all do to save 30% or more each year (yes, 30%!) while also going (a little more) green. It starts with lights, heaters and ceiling fans. When you leave… Continue Reading
There was a lot of interest in the bottom half of this list two weeks ago – so here are the top 6… Grocery shopping may never be the same in your household! #6. When buying fresh fruits and vegetables try to buy them in-season, but if not buy them frozen. In-season produce is tasty… Continue Reading
A lot of people assume that the monthly grocery bill is one of those expenses in the home that just is what it is. A most common refrain is this: “We’re a family of four. We spend $1,200 a month on groceries no matter what we do… More if we're hosting. That’s just what it… Continue Reading
The best research studies often lead to unexpected insights. A few years back, several hundred young adults in their 20s were surveyed on what they wished their parents had taught them growing up. The results were a little surprising. They wished they had been taught how to limit debt, how to save and invest, how… Continue Reading
“Why are we spending SO MUCH MONEY lately?! Surely we could live on far less if we just decided to cut back once and for all!” Does this sound familiar? A brief review of credit card and bank statements confirms department stores, clothing stores, restaurants and ‘cash withdrawals’ are the culprits. The next month begins… Continue Reading
If you have a love/hate relationship with New Year’s Resolutions, you’re not alone. We’re supposed to make them every year. They’ll make us better people, and if we only stuck to them we’d be richer, thinner and smarter. But we don’t stick to them. New habits are tough to create and sustain, and the rewards… Continue Reading
It’s tough to argue that the most important number in your financial life is your net worth. You calculate it by adding up all your cash, assets, house value, investment statements and cash surrender value of your life insurance and subtract from this sum all of your debt, mortgage, and any other amounts owing. Put… Continue Reading
For those of you who have ever purchased a home, this conversation might sound familiar to you: Buyer: “We would like to get pre-approved for a mortgage please.” Banker: “Great. Let me pull credit bureaus on you both and see what your credit history looks like. You’ve already provided me with the type of house… Continue Reading
There is one financial product that many people purchase without even remembering they said ‘yes’. It is offered at a stressful and emotional time for an individual or couple who are about to make the biggest purchase of their life. The price seems paltry compared to the mortgage payment they’ve just agreed to, and the… Continue Reading
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