• How to make a monthly budget you'll actually stick to

    How to Make a Monthly Budget in 10 Simple Steps

    Learn how to make a monthly budget (& stick to it) in 10 simple steps. Are you finally ready to make a monthly budget and stick to it? Maybe you’re tired of the cycle of spending more than you earn?  I’ve been there. In fact, it used to be a regular occurrence.  When I wasn’t tracking my spending I wasted so much money on impulse buying. Luckily, after a fair bit of trial and error, I realized I needed to take back control and get in charge of my finances. I needed a budget. The practice of making (and following) a budget can feel overwhelming.  And, if I’m being honest,…

  • You should budget. Here are three reasons why.

    Why You Should Budget Budget – Regardless of How Much Money You Make

    You should budget, even if you make good money. It’ll help bring financial stability and secure your financial future. Don’t think you need a budget? I was once there too. I used to think having a budget was stupid. In fact, I was worried if I admitted to being concerned about money I’d come across as a tightwad or cheapskate. But, I was wrong! Regardless of how much money you make, budgeting is a positive thing – you should budget. Because, budgeting isn’t just about figuring out how to spend what little money you have. It’s about being strategic and disciplined in how you spend, save, and grow your money…

  • Should I opt for a joint bank account after marraige

    Should You Opt for A Joint Bank Account After Marriage?

    Should me and my husband get a joint bank account? What are the benefits of a joint bank account after marriage? How do I know if joint banking is right for me? Ever wonder if you and your husband should opt for joint bank accounts once you’re married? (As in getting rid of any and all personal accounts except for things like RRSPs and TFSAs). Honestly, when I first got hitched I was super against it. I believed in financial transparency, but I thought that only having joint accounts) would be detrimental to my independence. But, over the years, we slowly started to move toward total joint banking. And after 6+ years…

  • Mind blowing research that points to the best way to get out of debt

    The BEST Way to Get Out of Debt: Read This Mind-Blowing Research

    Here’s the best way to get out of debt according to research. Do you really want to get out of debt? But are you overwhelmed by all the suggestions you hear? I get it. Getting out of debt is a huge goal my husband and I have right now. We’re making big sacrifices in order to have a couple hundred buck to pay back with each month. So I don’t want to be putting all that work in and then not paying off debt in the most effective way.  I’m guessing you’re the same. Who wants to waste time and money doing something that doesn’t work? Luckily, neither of us…

  • Budget Motivation Tips to Help You Stay on Track

    3 Budget Motivation Tips (to Help Keep Your Finances on Track)

    How to stay motivated to budget when you feel like giving up. Feel like giving up on your budget? Maybe it feels pointless because you’re broke. Or maybe you feel like you’ll never pay off that debt. Whatever the case, don’t give up. Try these motivating tips instead. Don’t Give Up on Your Budget! Use These 3 Tips to Motivate Yourself to KEEP GOING! Step 1: Take a break Sometimes you just need to take a break! (And sometimes this is one of the best budget motivation tips to implement. Everyone needs a reset now and again!) Maybe you’re feeling mad, sad, frustrated, or lonely and trying to stick to…

  • Follow these tips for better budgeting

    3 Easy-to-Follow Tips for Better Budgeting

    Have you been wondering how to budget better? Try these easy money management tips. Don’t be discouraged if you’re having a hard time budgeting. If it were easy we’d all be a lot richer. So, whether you need some quick wins or you want to strengthen your game, here are 3 easy-to-follow tips to try. 3 Quick Tips for Better Budgeting 1. Weekly Accounting I’ve found weekly accounting to be a really important part of my budgeting process. Here’s how it works: I pick a day (Sunday for me) and a general time (after my kids go to bed) when I’ll enter all my expenses into my budget spreadsheet.  I…

  • Before buying my first home I wish I would have known this!

    13 Crucial Things to Consider When Buying Your First Home

    What to consider when buying your first house (that you might not realize). Buying your first home is an exciting (and nerve wracking) time. You’re finally ready to put down roots and you’re committing to it in a big way. While you’ve probably been up to your ears in mortgage meetings and lawyer consultations, how much attention have you paid to what the details of actual home ownership looks like? When buying my first house I was preoccupied by the excitement of planning my decor and fear that I was committing to a 20 year loan. But, after that buzz died down and I was settled into owning a house,…

  • Crucial Money Questions for Couples Before Marriage (and After)

    What money questions you should be asking before marriage. “Will you marry me?” isn’t the only question that should be popped when taking your relationship to the next level. Only ⅓ of couples talk about important money questions before moving in together or getting married. Yet, money problems are cited as the biggest cause for divorce or separation. So, before taking the next relationship move, talk about your finances. Not just about the budget for whatever celebration you want, but about how money influences you and your relationship. While it’s best to ask these questions before you make a big commitment to someone, you can also ask these questions if you’re…

  • Desperate to Pay off Debt? Avoid These Mistakes

    Some of the biggest mistakes people make when paying off debt. As much as we admire the debt-free, financial-freedomers, most of us will have to deal with debt at some point. Regardless of the reasons for your debt, owing money is NO FUN. But, good news, being in debt doesn’t have to last forever! If you’re desperate to pay off money the quickest way possible, here are some pointers that might just help you avoid a big mistake. Desperate to Pay off Debt? Avoid These Mistakes 1. Not Making a Plan Planning to repay your debt can feel so overwhelming, especially if you owe a lot of money. But not…

  • 15 people share how they got out of debt. You can too!

    Get Out of Debt: Let These 15 People Show You How They Did It

    Learn how to get out of debt from people who have done it themselves! Trying to get out of debt? Owing money can fuel stress and worry like nothing else, but luckily it doesn’t have to be a permanent thing. Actually, lots of people have been able to pay off money (even large amounts of debt) and take back their lives. If being debt-free seems impossible for you, take a look below and get some inspiration from these people who got their personal finances in order and paid down huge debts! Who knows, with a little help from them maybe you could be debt free too! How to Get Out of…