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Energy Efficiency

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We discussed a few long-term energy saving options in our guide to winter on a budget. However, what things can you do to save energy year-round? Luckily, there are many steps you can take beyond just fitting curtains and new insulation.

In this article, we’ll look at ways to be more energy efficient in the home, saving you potentially hundreds or even thousands of dollars every year. Having …

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The Federal Budget: 2021

Recently, finance Minister tabled the federal budget for 2021. Election year budgets are typically more generous than usual, and despite a projected budget decline for the fiscal year (Due to Covid-19 mostly), this one nevertheless contains a spread of handouts to Canadian families: a mixture of tax cuts, tax credits, financial documents and extra spending.

In this article, we’ll take a look at a few of the highlights, changes that …

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Buying It For Life

Sometimes, buying the cheap option can cost you more in the long term. Consider the following example. You go out and buy a pair of winter boots for $50. They last their first winter, but during their second one the leather is cracking, the soles are worn down, and you end up replacing them. Meanwhile, your rich friend buys himself a new pair of boots for $200. They last ten …

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How To: Credit Repair

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Not everyone is born knowing how to balance a budget or save for retirement . Many people, when it comes to financial planning, just close their eyes and cross their fingers. For those people, the first push towards educating themselves about finances often comes when disaster strikes: say, they are refused a mortgage . Bad credit can sneak up on you. You miss a credit card payment here , you …

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Saving Money With Fuel Efficiency

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Last December, the media and data company Bloomberg estimated that the average Canadian spent a little under three percent of their income on gasoline in the fourth quarter of 2014. While gas prices are lower than they have been in years, you are still probably spending more than you need to on keeping your vehicle fuelled. Even if you don’t have money in the budget for a more fuel-efficient car, …

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Couponing For Fun And Profit

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Coupons, coupons, coupons.

The word “coupon” comes from the French couper , meaning “to cut”, and it’s very appropriate.

Coupons are great for cutting your grocery bills . Redeemable for money off or even for free products, you can save a bundle by clipping before your trip to the store and arriving with a bundle of them.

But where do savvy shoppers find their coupons? With a bit of research …

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Common Resume Mistakes

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This article is part of our Finance Hub.

The greater your income is, the easier it is to build a successful budget. We have already covered how to secure a pay raise, but what if you don’t even have employment to begin with?

Unless you’ve got windfall income, you’re going to need a job. After all, we all need a nice pay check. So the first …

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Managing Your Financial Documents

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A filing cabinet is one of the most important tools that any financially-literate person can have. While electronic records are getting more and more common, we are still a long way indeed from a paperless society. Plus don't even get us started on the security issues. With online fraud running rampant, your tax receipts and utility bills need to be kept safe. But it’s also possible to go too …

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Valentine's Day On A Budget

Whether you’re newly in a relationship, married for a decade, or plan to celebrate with friends, Valentine’s Day can be a great excuse for a bit of romance or a bit of fun. Sure, it can be a day that is commercialized, but with the right attitude, it can be a chance to spend quality time with the one you love.

A traditional Valentine date however, can easily get pricey …

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The Stock Market

It is always a good idea to save for the future, but RRSPs and TFSAs aren’t the only options. If approached correctly, smart investments in the stock market have a lot of potential to make you extra money.

Especially over the years.

Wouldn’t that be nice?

The stock market is complicated and ever-changing so it can feel quite intimidating. However, with the right info and support, making your first investment …

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