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The leaves are turning red, kids are working on their Halloween costume and you can find pumpkin flavored-treats on every corner. You might not know it but now is the perfect time to start planning the holidays.
You can make great savings by planning your Christmas all year long and by using some simple money hacks to save money on gifts but also on food and plane tickets. Discover how!
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The liberals have taken control of the federal government once again. Justin Trudeau recently became the second youngest Canadian Prime Minister, following in the footsteps of his father, who once held this office. Some believe the people voted liberal simply to move the conservatives out of office, as they have held power for almost ten years. Others feel the change was the result of a Conservative platform that was lacking in new ideas. Regardless of why one believes Trudeau won, everyone is wondering what this means for the canadian economy.
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Too often people fool themselves into believing that the money they need will just appear in their accounts, or methods they have been using unsuccessfully will suddenly begin working. Here are five delusional financial strategies that people are using to keep themselves poor.
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There are responsible and irresponsible ways that a young person can use a credit card. One of the most responsible things that a person can do when using a credit card is to make use of the 21-day interest-free grace to pay their credit card balance. This helps avoid the high interest rates that can be charged by the different credit card providers. However, even paying the balance can still put a person at risk for excessive Credit card charges if a person doesn’t know what to look out for. Here are a few things to keep in mind.
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There is a common concern with Canadians. They want to save more. About 88% are looking and willing to change their current financial situation. With all that extra income, they should be able to save splendidly. But, they do not. 31% of Canadians say that they do not want to change their spending habits. What are Canadians buying that is so appealing and hard to let go of? Just as importantly, what kind of habits do they deploy?
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When bills are suddenly being paid late, or not getting paid at all, there is obviously a problem with the budget. In these circumstances people often begin thinking about what to cut. However, without knowing where all the money is going, it is impossible to address the most common ways money is wasted. Big expenses like car payments, rent or utilities are often targeted as a way to reduce bills, but for many the problem is all the little things that add up over time.
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While holiday shopping is meant to be joyous, it can be anything but when one is not properly prepared. Each year, magazines, newspapers, and websites push to list the season’s latest and greatest gift ideas to help shoppers in their search. During the holidays, thousands of products vie to be the top gift of the year. Though it can be difficult sorting through the many offerings for the right gift, preparing ahead can make the process easier so the shopping chores are carried out painlessly. Those who are searching for the best gifts would do well to consider these ideas that will fit almost anyone on their list.
