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5 Reasons You Didn’t Reach Your Financial Goals Last Year

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…

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Christmas Crunch Time: 6 Tips for an Affordable Christmas

By Margaret H. Johnson Even though you may be feeling that it’s ‘too late’ to start saving for Christmas now, what are your other options?  If you answered ‘credit cards,’ you aren’t alone.  It’s easy for the majority of Canadians to fall into the debt trap, but do you really want to start the new…