A Lucky 2023: The Year of the Rabbit and Your Financial Well-Being

Want to feel lucky with your money but do not want to buy lotto tickets?  It’s the Year of the Rabbit, the luckiest of all animals in the Chinese culture.  If you want 2023 to be a year with luck, you may need to make some adjustments to your fin

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When to Seek Credit Counselling – The Early Warning Signs

Financial problems can seem to creep up on us out of nowhere. It's surprising how many people seem to be doing fine with their finances and then within a fairly short amount of time they encounter serious financial difficulties. Many times, the truth

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Christmas on a Budget: 7 Tips from the Trenches

With only a few weeks before Christmas we’ve got some tips to help you manage your budget, your spending, and your stress. General Tip for All Occasions: Set an overall budget for Christmas then break down a budget for each person you’ll be bu

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7 Creative Options to Reduce Debt

Use credit card rewards or cash back to pay off debt Your credit card probably helped you get into debt, so why not use it to help you get out of debt? If you have a cash-back card, claim your cash-back rewards every month and use the mone

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4 Easy Ways to Live Within Your Means

1. Know your means. Keep track of all income and expenses, including all forms of income (including  Child Tax, etc.) and all fixed expenses (rent, car, bills, food, insurance, etc.) If those numbers don’t match, then you need to start getting c