You have the choice of your loan repayment options. You need to pick bi-weekly loan repayments, regardless of the loan type. There are some loans that you want to avoid as much as possible. I will say a car loan is one of them, but the truth is that a lot of people simply can’t […]
4 tips to get the raise you want
You want a raise, whether it’s with a private client or in your full-time job. Here are my four tips to get the raise you want and deserve. You want a raise. In fact, you deserve a raise. It’s time to up your rates in your business or to talk to your boss about your […]
What is the envelope budgeting system and does it work?
There are different types of budgeting systems available. The envelope budgeting system is one of the oldest and still most popular. When you look around at all the budgeting systems available, you may find yourself a little overwhelmed. There are some systems that have been around for decades, and one of those is the envelope […]
3 reasons to budget in to pay yourself first
When you set up a budget, whether personal or for the family, you need to make sure you pay yourself first. Here are three reasons why. You have this grand idea to pay off all your bills and then save the money that you have left over. Then you get to the end of the […]
5 tips to reduce your monthly outgoings
It’s hard to get ahead with your finances right now. Here are five tips to help reduce your monthly outgoings to get started. Inflation is still at an alarming rate, and interest rates are going up. This is having a knock-on effect on our monthly budgets. We need to find more money that we don’t […]
5 tips for saving for a big move
When I moved from the UK to Canada, I had to save quickly. Here are the tips I used for saving for a big move that I would use again. When my ex-husband and I made the decision to move to Canada, we did it with just three months. Our lease was coming up, we […]
4 steps I took to get my family out of debt
Getting out of debt isn’t easy. It takes patience and commitment. I had to figure out a way to do it, and these are the steps I took. My ex-husband got us into a lot of debt when we first started dating. In fact, all the way up to being pregnant with our second child, […]
Should you hire an accountant when you work from home?
Are you on the fence about hiring someone to help with finances? You need to hire an accountant when you work from home. When I first started working at home, I didn’t bother hiring an accountant. Plenty of people I know who work at home don’t bother with an accountant, but is that necessarily a […]
Co-parenting and money: Is a co-parent’s debt your responsibility?
Your co-parent has gotten into a lot of debt. Could this co-parent’s debt be your responsibility? Here are some things to consider. I want to start this by saying you should always talk to a financial professional in your own state or province. You should also talk to a tax lawyer and a divorce/family lawyer. […]
Why your emergency fund is one of the most important parts of budgeting
Are you putting money into an emergency fund? If not, you need to right now. It’s one of the most important parts of budgeting. When I started my journey to being debt-free, I didn’t initially start building an emergency fund. Then something would happen and I’d be back in tons of debt. I realized that […]