Budgeting

Are you struggling to keep on top of your bills? A budget can help you organise your finances, saving you not only time but also a lot of worries. Unfortunately, a lot of people think of a budget as a form of punishment, like going on a diet or even […]

Looking at your latest bank statement, you might think you’re doing okay. You’ve finally paid off your credit card, and you have enough money in your savings account to buy a few luxuries when you go grocery shopping. But what would happen in an emergency—an unexpected trip to the hospital, or major […]

Yeah, I know. Creating a personal budget sounds boring, and is probably something your parents did when they were younger. But it’s still considered the best way for people to manage their money because it helps them keep track of where it’s all going. Unfortunately, a lot of people have […]

Family budgets. We all know what they are. Chances are we’re even created a few over the years. But how many of us have managed to stick with them? Sure, we start out with the best of intentions. But within a few months we’ve either blown it completely or grown […]

Part of creating a household budget is working out all of your expenses. Then you simply add them all up, deduct the total from your monthly income and voila—what you have left is the amount of money you’ve saved. And the less you pay in expenses, the more you save. […]

If a business owner said to you that they run their business without a budget, what would you think? You’d think they were incompetent. Or perhaps lazy? Or both? But what do most families do? When you think about it, a family is actually a mini business. There is income, […]

Most people will quite literally earn millions of dollars in their lifetime. Yet many people struggle financially and live from paycheque to paycheque. With the ageing population and many Baby Boomers now continuing to work, at least on a part-time basis, past the traditional retirement age, people are working more […]