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5 Holiday Planning Strategies To Minimize And Lower Debt

wp-content/uploads/2015/11/shopping-tablet-holiday-ss-1920-800x533.jpg Wouldn't you agree there could be nothing worse than receiving your credit card bill in January only to discover you can't possibly meet the minimum payment?  This happens to thousands of Canadians every holiday season, but this year you can make a difference.  You can learn how to manage your holiday budget and minimize the risks of incurring more credit card debt. For many, indulging in spending has become a …

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How Much Debt Is Simply Too Much?

wp-content/uploads/2015/10/man-drowning.jpg Are you simply drowning in #debt ?  If it's taking more than half of your income to manage your debt you might not be in control of your finances the way you really believe you are.  If Canadians are going to learn how to manage debt responsibly they have to educate themselves on how to build and manage a responsible budget. When you carry too much debt on your plate …

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How Can You Have A Financially Responsible Holiday Season?

wp-content/uploads/2015/11/Christmas-Image-budget.png We understand that #financialplanning might not be the priority for many Canadians during the holiday season.  In fact, the majority of shoppers spend the highest amounts of money during this time of the year, often overlooking their budget and over spending well beyond their means.  This leads to horrible depression following the holiday, but it appears to continue to happen despite one's best efforts.  It's important to remember that Christmas …

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5 Creative Ways To Save During Holiday Travel

Holiday travel is not only stressful, it is, or can be extremely expensive as well.  Whether you're flying from British Columbia or you're driving to meet up with family and friends for the holidays--preplanning can make all the difference to your savings.  In other words, timing your travel in a strategic way can help you save big and keep your finances in check at the same time. You don't want …

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Frugal Tips For Your Remaining Halloween Candy

wp-content/uploads/2015/11/Left-Over-Halloween-Candy.jpeg If the goal is saving and budgeting you'll love how you can take that left over Halloween candy and create some amazing baked desserts to kick off the holiday season.  Now, while Halloween is officially over, this doesn't rid you of all that rich, chocolatey decadence remaining in your home.  The fact is, candy and chocolate are fantastic ingredients for fall baking--and for those who delight in the ideas!  Not …

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Do You Want Outrageous Money Saving Halloween Treats?

wp-content/uploads/2015/10/The-Addams-Family.jpg The countdown has begun and in just a little over a week little goblins, ghouls, fairies and the rest of the bunch will be knocking at your door, ecstatic for some trick or treats!  Are you ready for the big day and evening?  We can help you keep your Halloween spending under control with these outrageous money saving tips you just might not have thought of with all the pending …

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Should You Take Advantage Of The CPP Before Retirement?

It's controversial and always has been for every Canadian across British Columbia , but it is a financial consideration that needs due attention as the rules appear to be shifting.  This is definitely a very personal choice--and when it comes to taking early CPP; circumstances are always different for individuals.  Now, with regard to your pension and those benefits--how and when you take them is entirely up to you, but …

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The Top 5 Ways To Secure Financial Freedom

There are very few Canadians who can forget the recession of 2008 and it has left many, more than concerned about a solid and stable financial future.  If you want real financial freedom then you simply have to take a hard look at your finances and spending habits.  For the majority of Canadians, what they once considered to have significant value now holds very little.  Many have seen their pensions …

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The Best Halloween Party On A Budget

You want to shop within your means, but don't think you can't have a creepy great time for Halloween just because you have to budget!  There is no reason to go overboard or break the bank at all.  From pumpkin carving parties to costume themed get togethers and on to taking the kids trick or treating: a budget isn't going to spoil the fun, but it will help you save …

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5 Budget Friendly Strategies To Keep You From Incurring Debt

wp-content/uploads/2015/10/hi-household-debt-852.jpg For so many families across British Columbia , no matter how much income is earned annually, this simply appears to never be enough.  This is a common complaint across the region, and possibly even the world. However, you want to try to avoid incurring debt as much as humanly possible.  Incurred debt can feel like a ball and chain weighing you down, crippling you if you let it.  While more …

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