Personal Finance Archives

Financial Literacy Lending Education Personal Finance

Six in ten Canadians are less than very confident in their understanding of the impact of interest rates on debt payments and their ability to set and follow a budget. In other words, most Canadians lack basic financial literacy skills. Hence, why we’re discussing interest rates 101 today. Understanding how

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How to handle financial emergencies

by Sam Milbrath on August 15, 2019 Finance Financial Literacy Financial Planning Personal Finance 1.51K views

Financial emergencies are just that: emergencies. They come on like natural disasters all of a sudden and can be all-consuming and life-altering. Recent studies show that many Canadians are already financially overstretched and have no real savings or plan for an inevitable emergency. In fact, this study released by Leger

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Financial Literacy: How poor credit can affect your life

by Sam Milbrath on August 6, 2019 Financial Literacy Financial Planning Personal Finance Uncategorized 633 views

This is the fifth blog post in our Financial Literacy Series, in which we discuss the relationship between your finances and your personal health and wellness—and aim to increase your financial literacy and understanding. Just how influential is my poor credit score? How can poor credit affect my life, if

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3 Questions to Ask Yourself Before You Make a Purchase

by Sam Milbrath on July 30, 2019 Personal Finance Saving Money 516 views

Wondering if you should buy something now or think about it? You’ve come to the right place. Here are three questions to ask yourself before you make a purchase—especially a big and expensive one that you (or your wallet) might regret in the future. 1 - Can I afford it?

Financial Planning Personal Finance

4 Times It’s Okay To Treat Yourself!

by Sam Milbrath on July 25, 2019 Financial Planning Personal Finance 495 views

Think of treating yourself as a scale that needs to be balanced. For those who never treat themselves, this deprivation can have negative health effects around resentment, depletion, and unhappiness. For those who treat themselves too often and too frivolously, the same can be said as feelings of guilt and

Financial Planning Personal Finance

30 Simple Habits to Ensure a Bright Financial Future

by Sam Milbrath on July 23, 2019 Financial Planning Personal Finance 779 views

According to CBC Business, 83% of Canadian workers polled for a 2019 survey said they regularly experience stress related to money problems and how much (or little) they’re paid. This is despite record job creation and low unemployment in Canada’s recent months. In lieu of this astonishing figure, we asked

Financial Literacy Financial Planning Personal Finance

Financial Literacy: 5 Steps to Make a Realistic Budget You Can Actually Use

by Sam Milbrath on July 18, 2019 Financial Literacy Financial Planning Personal Finance 527 views

This is the fourth blog post in our Financial Literacy Series, in which we discuss the relationship between your finances and your personal health and wellness—and aim to increase your financial literacy and understanding. Making a realistic budget that you can actually use, ironically requires you to have a realistic

Lending Education Personal Finance Saving Money Uncategorized

Ideas For Getting Through Financial Hardship

by Sam Milbrath on July 16, 2019 Lending Education Personal Finance Saving Money Uncategorized 507 views

Financial hardship is more than just living beyond your means. It usually occurs like a snowball effect. Perhaps something happened, an unforeseen event or a major financial burden, that you hadn’t planned or saved for. Perhaps you lost your job, had unexpected health issues arise, or have a large debt

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