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7 Reasons Why Your Budget Isn't Working For You

wp-content/uploads/2016/04/business-budget.jpg Have you really asked yourself why your budget isn't working for you?  Now, clearly, you must know that a budget is absolutely critical to have if the goal is to pay off debt ?  You might be running into an issue where your calculated numbers just aren't matching up with what you've been working with.  You might be overspending, or you might be forgetting where some money is going, therefore …

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5 Tips To Help You Manage Sudden Unemployment

wp-content/uploads/2016/04/user-1823160-2016-01-07-11-55-17_list_image.jpg The unemployment rate within Canada is still slightly higher than average and joblessness is certainly of high concern.  It is quite natural to feel anger and resentment when one is suddenly faced with a layoff.  Unemployment is a scary thing.  For many Canadian families, a job loss can mean financial disaster, and many are living paycheque to paycheque right now.  There is good news though.  There are many things you …

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Living Healthier Can Save Your Finances

wp-content/uploads/2016/04/6-Simple-Steps-to-Financial-Health-The-Free-Financial-Advisor-.jpg If you become proactive with your health you can definitely achieve a much improved financial outlook. Financial stress simply leads to mental and physical problems that can weigh the body down and make one sick.  This is an absolute fact.  So, naturally, taking steps to start improving your physical and mental well being will be beneficial to your financial portfolio. The following 7 tips we share with you here will …

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Discover How You Can Budget On A Low Income

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Even if your income isn't where you expect it to be, you can still manage a practical budget with the right mindset without getting a second job. Lower income isn't the end of the world, and you can advance from your current financial position too, just as you can in your career.  It can be a strain to try and manipulate your funds to get through the month when …

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5 Ways You're Spending Too Much On Food

wp-content/uploads/2016/03/groceries-fruits-vegetable-inflation-retail.jpg You hear it everywhere you go, "groceries are so expensive," but have you considered the problem might lie within your own spending habits?  Just what are you spending your money on? How many times have you arrived home, putting groceries away, only to then look at your cupboards and refrigerator and silently wonder where it all went? Do you think there are ways you could cut back and save?  Are …

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Tax Rules Are Changing In 2016: Are You Ready?

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There is no doubt about it, tax rules are definitely mixing things up for Canadians all across the board.  If you aren't familiar with what some of these changes are, and what you can expect, then this blog just might help you relax a bit, as long as you're not an Albertan making over $300,000 a year!  That's right, for those in this income bracket, you'll be paying much more …

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Small Changes That Bring Big Budget Savings

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You don't have to make a gigantic lifestyle change to see improvements in your budget, not at all.  However, many Canadians across British Columbia believe it takes this just to see slight improvements. While you can make some extra income selling items you don't use any longer, or taking on an extra job, there are definitely more reliable ways to make positive gains to a budget.  Of course, Canadians …

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7 Simple Steps To Achieve Financial Security Before 30

wp-content/uploads/2016/02/Saving-before-30.jpg Everyone desires to be financially secure, especially when planning for that retirement.  However, for young Canadians, this is often the last thing they are thinking about--at least before they turn 30! This mind-set really needs to change.  Every Canadian needs to work towards financial security for their future. This alone alleviates a great deal of the anxiety and stress that comes with being an adult.  It's a fact that financial …

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5 Pain-Free Ways You Can Save Money In 2016

wp-content/uploads/2016/02/save.jpg Yes, certainly it can be difficult to save large sums of money for many families all across British Columbia , but smaller, more realistic goals are achievable.  In other words, families shouldn't just throw in the towel and not save money, just because it feels, or appears to be futile.  Even small gains can go a long way!  Now, yes, it is also true that it is easier to talk …

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Ready To STOP Living Paycheck To Paycheck?

wp-content/uploads/2016/01/Stop-Living-Paycheck-to-Paycheck.jpg Don't fall into the statistics that currently show 61% of the workforce in and around British Columbia living paycheck to paycheck.  If you're curious as to how you would know if you fit into this criteria, let us explain a bit better.  Clearly, if you're finding that you're running out of income before your next paycheck rolls in, you're in the above mentioned margin.  This can become suffocating, but there …

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