Blog

29

November

2018

12 Ideas for Christmas

Written by John Cockburn

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We’ve all heard of the 12 Days of Christmas right?  But who here needs all those animals and people taking over their homes during an already busy and stressful season.  I’m here to give you 12 solid ideas on how to cut your holiday spending and make Christmas a little easier on the pocketbook.

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30

October

2018

One Simple Way to Curb Overspending

Written by John Cockburn

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I don’t really enjoy shopping.  Braving the crowds at the mall or trying to find the best deals online is not my idea of a good time.  There are however, things I do like to buy, and when I decide to make a purchase of one of these items, I tend ...

5

October

2018

Teaching Your Children About Money

Written by John Cockburn

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I have three young children and I worry about them on a daily basis.  Are they eating right?  How is school going?  Am I teaching them enough about the world?  Will they be ready once they’re out on their own?  We teach them about religious beliefs, moral values, and hope that they attain a level of ...

13

September

2018

How to Manage Your Money as a Couple

Written by John Cockburn

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In my line of work I come across two types of couples when it comes to money.  Either they have “his” and “hers” accounts and bills or they share everything in one joint bank account.  Personally I think it’s a lot easier to keep track of expenses and share the burden of bills and debts payments ...

30

August

2018

3 Problems that a Budget can’t Fix

Written by John Cockburn

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My job is to teach budgeting on almost a daily basis.  I believe the power of budgeting and rely on it to succeed.  It’s a powerful tool and it can help you out of debt, save for a rainy day, or push you toward meeting any number of financial goals.  It’s not magic, and requires ...

28

June

2018

Why a Budget is Important

Written by John Cockburn

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Before I decided to implement a budget, my finances were in a horrible mess.  I owed money to various credit cards and had no idea what the balances were or even what the minimum payments were.  I skipped payments and fell behind on almost every bill I had except for rent.  I had a vague idea about ...

14

June

2018

How to Stop Living Paycheque to Paycheque

Written by John Cockburn

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Living paycheque to paycheque can cause a great deal of unnecessary stress in your life.  Having to constantly worry about unexpected expenses and costly surprises can add undue stress to a relationship, cause you to lose sleep, or even lead to overspending to compensate for the depressed feeling.  I’m sure that if you talk to anyone ...

15

March

2017

Living in Harmony with a Budget

Written by Snagged Internet Services

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Having something on paper that guides your spending is a great start to having a life free from financial worries.  The problem lies with learning how to actually live within the budget you’ve created.  It isn’t an easy task to change your spending behaviours.  You are trying to break habits that have taken a lifetime ...

9

March

2017

Are You Financially Fit?

Written by Snagged Internet Services

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The New Year is upon us and all around me I see people pledging to diet and stick to a strict exercise regimen. They have joined expensive weight loss clinics and gyms and are focused on their health and fitness, but what about another vitally important aspect of their lives? How many of you have committed to ...

3

March

2017

Budgeting 101

Written by Snagged Internet Services

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Before anyone can begin to draw up a realistic budget, there a few vital pieces of information required. The first thing you need to know is how much money you make. No, I don’t mean your annual salary or hourly rate of pay; I’m talking about the actual net amount that ends up in your ...

21

February

2017

Budgeting Not Easy

Written by Snagged Internet Services

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If budgeting was easy, no one would be in debt and pay day loan companies would go out of business. So would credit counselling, my line of business. The fact is our wants and our needs are constantly competing to win the spending behaviour battle. We may know at an intellectual level what we should be using ...

17

February

2017

The Sandwich Generation

Written by Snagged Internet Services

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If you are supporting both your children and aging parents, you are a member of the “sandwich generation” and are likely feeling some financial impacts. In September of this year, a survey was conducted by Credit Canada, one of the largest not for profit credit counselling services in the country, and Capital One. The key findings aren’...

10

February

2017

Technological Challenges

Written by Snagged Internet Services

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Is anyone out there as confused as I am about which pieces of the latest technology are vital to our existence and which are more or less conveniences or modes of entertainment? I admit it. I’m a techno-peasant. Thoughts of IPad and iPhone don’t generate much excitement for me. I’m also a bit old ...

25

January

2017

Winter Money Savers

Written by Snagged Internet Services

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Doing  cost effective easy and energy saving repairs, can help keep your hard earned dollars in your pocket. For example, programmable thermostats have come a long way in recent years and in some cases are even controllable via your smartphone. Reducing the temperature automatically can help save you realistically 6-10% on your heating costs by not heating ...

18

January

2017

Setting Money Resolutions

Written by Snagged Internet Services

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While your New Year’s resolution may already have gone by the wayside, it doesn’t mean that you can’t set, and stick to, a money resolution for 2017.

A money resolution is simply a long term plan for what you want your money to do for you this year. Pay down credit ...

4

November

2016

8 Beliefs That Stop You From Talking About Money

Written by Snagged Internet Services

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Many things often get in the way when it is time to have a money talk. Although money is only currency, how we perceive the value of money is much more complex.

We all have our own money meaning; attitudes and beliefs that play a significant part in any conversation. Your family, the ...

2

July

2016

Car Financing: It’s a Journey! Plan wisely.

Written by Snagged Internet Services

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Thinking of buying a car?

For lots of Canadians, owning and driving a car is a necessity. After a house, a car purchase may be the biggest purchase of your life! Car buying comes with many decisions: What color car do I want? Should I get a four-wheel drive? Do I ...

7

June

2016

Budgeting For Your Summer Activities and Adventures

Written by Snagged Internet Services

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Ahh, sweet summertime. The air is getting warmer, schools are out, and people are going on holiday. Just because you are on a budget doesn’t mean you can’t have fun in the sun! Whether you’re planning on taking a big vacation abroad, backpacking locally, or staying around the house and finally taking on that ...

1

May

2016

Budgeting Not Easy

Written by Snagged Internet Services

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If budgeting was easy, no one would be in debt and pay day loan companies would go out of business, so would credit counselling. The fact is our wants and our needs are constantly competing to win the spending behaviour battle. We may know at an intellectual level what we should be using our money for, but ...

1

April

2016

Technological Challenges

Written by Snagged Internet Services

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Is anyone out there confused about which pieces of the latest technology are vital to our existence and which are more or less conveniences or modes of entertainment? Parents can be particularly confused about their obligations when it comes to technology purchases for their children. Do they really need their own laptop or will the home desktop ...

1

March

2016

Living in Harmony with a Budget

Written by Snagged Internet Services

Featured Image

Having something on paper that guides your spending is a great start to having a life free from financial worries. The problem lies with learning how to actually live within the budget you’ve created. It isn’t an easy task to change your spending behaviours. You are trying to break habits that have taken a lifetime ...

1

February

2016

The Sandwich Generation

Written by Snagged Internet Services

Featured Image

If you are supporting both your children and aging parents, you are a member of the “sandwich generation” and are likely feeling some financial impacts. A survey was conducted by Credit Canada, one of the largest not for profit credit counselling services in the country, and Capital One. The key findings aren’t surprising, but they can ...

2

January

2016

Are You Financially Fit?

Written by Snagged Internet Services

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The New Year is upon us and all around us we see people pledging to diet and stick to a strict exercise regimen. They have joined expensive weight loss clinics and gyms and are focused on their health and fitness, but what about another vitally important aspect of their lives? How many of you have committed to ...

1

November

2015

5 Finance Quotes That Inspired Us

Written by Snagged Internet Services

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With the internet being used by over 3 billion people worldwide, there has never been a greater opportunity for the words of a wise man to have so much impact. Here are the top 5 quotes we think everyone should keep in mind while they keep an eye on their finances.

Beware of little ...