New babies are so cute and so cuddly. They also cost quite a bit of money. Many couples don’t realize this until after baby arrives. Suddenly the price for diapers and formula looks outrageous. Too bad they didn’t plan for the expense from the beginning. Some people say the sum cost of [...]

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Let me start by apologizing. It’s my generation that ruined the Canadian student loan program back in the late ‘80’s and early 90’s. At that time, student loans were guaranteed by the government. Banks had no worries about default, as the government would pay it. For the student it was great, [...]

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This is the time of year when people make all kinds of resolutions. A popular resolution is to become wealthier. Gaining wealth isn’t always as easy as some people think. It takes some planning. It takes some strategy. People have to understand the problems they face.
One thing you want to understand [...]

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To cut costs while away from home may actually be easier than you may think. So many of us get up, head to work, and come home without giving thought to how much money we are spending throughout our day. But, with more self awareness and by taking some easy steps, you can reduce the [...]

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I am a big advocate of savings. I have RRSP’s, GIC’s and online savings accounts. I also have the proverbial cookie jar, which I’ve often had to dip into to pay for pizza delivery. All my savings are earmarked for different things. Christmas is one account, property taxes another, insurance another. [...]

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Every so often the need to buy a new computer becomes critical. For a lot of people it can be difficult to decide what kind of computer to buy. The computer’s specs must be considered. The price is also important. This is not a journey to take too lightly.
Before you buy a computer [...]

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Are you cutting out your gym membership to lower your household expenses? During tough economic times, many individuals and families are searching for expenses to reduce or eliminate from their budget. But even though you may have to cut out expensive gym membership fees, you can still remain fit while on a budget.
Try some of [...]

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eople talk to me. Really, total strangers are always striking up conversations with me. Everywhere I go, I make a new friend. My husband says I have “the look”, which tells people I’m friendly and won’t snub their efforts at small talk. Lately, the talk among town is all about RRSP’s [...]

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new pair of shoes will excite most women. More excuses can be found for shoe shopping than any other kind of shopping. Women are eager for a new color, new style, or new height. Still new shoes can be expensive. Saving some money can take a lot of self control.
One tip for buying [...]

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p class=”MsoNormal” style=”margin: 0in 0in 10pt;”>In today’s economy, it seems like everyone is focused on saving money wherever they can. While it is always a great idea to watch where your money goes, when there is a risk of job loss or a reduction in household income, the concept of pinching pennies jumps to the [...]

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