Articles on What to do

Do you really still need to keep an emergency fund?

Do you really need an emergency fund? Why not just use your credit card in a pinch, and in the meantime, maximize that money by clearing your high interest credit cards ASAP?

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How to stay warm in sub-zero temperatures

Canadians know how to stay warm. Mind you, not like the Russians who are serious about their winter (I hear they drink vodka to stay […]

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The Canadian Financial ‘Money Things To Do’ Checklist for Each and Every Year

Here’s my short checklist of financial money management I do before the end of the year to prepare for the next. It is not everything […]

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Where and how to start cutting in your budget when you need to save more money

I am not using myself as an example because I do not have a steady income and my expenses are not very controlled because I […]

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The retirement savings rule: How much do you need to save?

One very simple way to figure out how much you need to save for retirement is to multiply how much you need in retirement, by […]

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Canadians are spending more than they earn

Surprised? I wouldn’t be. According to the last calculation from Statistics Canada, the average household owes 165 per cent more than it earns in annual […]

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