Give Budgeting a Facelift!
Oh that dreaded word, budgeting! It’s one of those words that brings up uncomfortable feelings such as lack, restriction, doing without. It’s incredible the power one little word has. In addition, we have visions...
Tagged: financial counselling
Retirement Myth Busting – Part 2
Well, there were so many myths to bust, that I had to break this post into two..just goes to show you what a confusing topic it is! If you missed it, you can start...
Where do I turn when my finances fall apart?
Asking for personal help has to be one of the most difficult things to do. Whether it’s for relationship advice, parenting advice or financial advice, nobody wants to admit they can’t go it alone....
Experience your Debt Differently
It’s payday. You’re trying to figure out what to pay, how much you need to get you through the month (or following your spending plan that you created to make life easier! Yes!). You...
FREE Teleseminar ~ Setting up a simple 3-step spending plan.
FREE Teleseminar: Setting up a Simple 3-Step Spending Plan I will make you a promise, here and now….I will not use the word “budget” in any of my teleconferences. … Seriously, I dislike the word....
What would you do differently without credit?
“But I had to use my credit because…” (you can likely finish that sentence) … . “I needed food, I needed to pay the rent, I needed to fix my car, etc. etc. I’ve...
The 3-Step Simple Spending Plan
Want a simple ‘Spending Plan Process’? – Set up three accounts. These can be three bank accounts or can consist of a cash account or two, depending on what works for you. One account for your regular monthly expenses, one for savings and one for your day-to-day spending needs.
Does Breaking Your Mortgage Make Sense?
With mortgage rates still hovering at historic lows, chances are you’ve considered breaking your current mortgage and renewing now before rates begin to rise.
Perhaps you want to free up cash for such things as renovations, travel or putting towards your children’s education? Or maybe you want to pay down debt or pay your mortgage off faster? In some cases, the penalty can be quite substantial if you aren’t very far into your mortgage term, but we can determine if breaking your mortgage now will benefit you long term.
Happy about Mad Money
A retired couple, who came to me for financial advice, were in for one of their follow up Counselling Sessions. I had them track their spending for the previous month and was asking them how they did. They felt they had done a good job except for the fact that (in her words) her husband did not get receipts. He was openly frustrated with this requirement to account for every cent spent.
I’d like to Buy Some Income Please
Is anyone really happy with the amount of income they’re making? I think we all feel that we deserve to have more, we deserve to spend more, we deserve to have less stress worrying...
