What does it mean to have good financial literacy? Being financially literate means having the knowledge to make decisions that will positively impact your financial health. As noted in the Relation between Financial Literacy, Financial Wellbeing and Financial Concerns, “the higher your financial literacy the greater your financial well-being.” Tracking spending, budgeting, saving, and borrowing…
By Courtney @ Women & Money Inc. The other night I received $20 worth of coupons to use at a local restaurant, with no restrictions. We had never been to this restaurant before so I checked out the website to read the menu, which had a variety of tasty sounding dishes as well as kid’s…
A fresh new year is a motivating time for change; you want to move closer to your financial goals, you want to gain new habits; you want things to be different this year. This is how most of us feel this time of year — it’s in our nature. But you’re not quite sure how…
I’m happy to offer you a new free printable: My Christmas Gift List & Budget. Although Christmas is still 3 months away, I’m starting to think about shopping for Christmas gifts now. I often buy Christmas gifts throughout the year, stash them away, and then forget how much I spent on them, who they’re for,…
Are you one of the many people these days who are living paycheck to paycheck? What would happen if your paycheck was delayed by even one week? Would you be facing bounced payments, payday loans, and eating only what’s already in your pantry and fridge? If so you are at risk, find out why and…
It’s that time of year again… back to school. With the kids returning to school and the fresh crisp air of fall, back to school season brings such a feeling of fresh beginnings as much as the new year in January. Many of us have grown tired of the lazy, laid back days of summer…
Do you get to the end of the month and wonder where all your money went? Do you know how much debt you have and when it will be paid off? We created our new free spending tracker and debt tracker spreadsheets so you can get organized, stay on budget and turn your debt payment…
If you have kids, you’ll probably budget for their activities, clothes, shoes, daycare, and other regular expenses. But it’s easy to miss those annual and random items that inevitably pop up, so build a miscellaneous expense for the kids into the family budget to cover those costs. Here’s our list of 10 surprising kid expenses…
There is a little more to budgeting than good financial advice. You need to have the money. The recent Conference Board of Canada report suggests that Canada’s social fabric is being torn by rising income inequality and stagnant child poverty rates. It appears that our child poverty rate is up 20% since the mid 1990s….
By Margaret H. Johnson I heard my first Christmas carol of the year about two weeks ago. And you know what? I’m still not in the Christmas mood yet. In fact, I’m not ready for any bells ringing or children singing or, bah humbug, a partridge in a pear tree.
A Royal Bank study released recently draws attention to the cost of food. It’s hurting a lot of people. The Royal bank study suggests that the price of food went up 1.4% 3.8 % and 2.4% over the last three years. Eggs went up 20 -30% coffee a whopping 40%.
Use our handy Budget Worksheet Some of you have never made a household budget, some of you may have made one a long time ago and need a refresher to get back on track. So, we are going to walk you through creating a budget. Get out all of your documents, a pencil and a…
I don’t know why we’re soooo afraid or worried about doing our taxes. Many of my friends wait, wait, wait, worry, worry, worry, worry, and then, once getting into crunching a few numbers, they begin to feel better. It really is a moment of truth. We stare our expenses right in the face, especially if…
Lots and lots of stuff happening last week. The high point was my community workshop on budgeting. Wow. What a great group!!! When I arrived Thursday night, January 31, there were only two women there. The one lady said, “Are we the only two broke women in Maple Ridge?” We all laughed. Soon the room…
If Santa has been watching the news around the world, then he might be thinking more about falling off a fiscal cliff than splurging blindly on everyone this holiday season. And this has nothing to do with Scrooge. There is a big difference between sensible shopping and Grinch-like cheapness.
Now that Black Friday, Cyber Monday and Giving Tuesday has past, is there any money left for a budget? Oh oh. I think it’s supposed to be the other way around. Aren’t we supposed to organize a budget first before we spend money? To answer the very first question, it’s never too late for a…
