Personal Finances

In less than two weeks it’s going to be two years since I started budgeting. Prior to becoming a budgeting geek, I really didn’t care for a budget. They didn’t make sense and sadly I found budgeting a lot of work which I wasn’t willing to invest much time into. Furthermore, I wasn’t sure how to […]

2022 was the year of inflation, and the rising cost of living hit Canadian households hard. For low-income earners, it has become particularly difficult to meet their basic needs, including housing. To help them, the government has introduced a one-time assistance measure: the one-time top-up to the Canada Housing Benefit. In this article, you will […]

Sometimes, all your children need is a gentle nudge to act. Here are six simple ways to guide your child towards financial well-being. Have them experience delayed gratification  Change happens when a person is motivated by an emotional trigger or an imminent consequence. When children face a choice like spending their summer job money on […]

You wouldn’t drive from Vancouver to Halifax without a map, would you? Money is like a car that takes you from where you are to where you want to be, and a budget is a map with the best way to get there. But how do you make a budget, and how do you know […]

Chatbots are the way of the future.   For quick questions, like “What’s my bank balance?” chatbots are great. For longer processes, like “Can you explain to me all the possible ways that I can pay back my student loan?”, you need to talk to a real person.   Developers worldwide are building bots that […]

This is the second post of the Not Another Boring Article About Investment series, on how to create a budget. We designed this series to cover the basics of finance and introduce you in baby steps to the world of investing. If you missed the first post on how to calculate your net worth, have a […]

When you follow a budget you avoid going into debt. That’s what everyone wants, right? We avoid debt, get a good credit score, invest and grow rich, and have a wonderful life in the meantime. Yet, according to the Canadian Financial Capability Survey, one in six Canadians, or 17% of the adult population, spends more […]