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Improving Your Finances in 2019

How to Have a Better Financial Year in 2019 The new year is upon us. This is the time of year when many people take the opportunity to set some New Year’s Resolutions and goals for the future. Even if you’re not the kind of person to set a formal resolution, the new year is a still a good time to review your current situation and set some goals for the future. There’s no better area of your life to do this in than to look for ways to improve your...
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Winter Fun without Overspending

How to Enjoy the Winter Without Breaking your Budget During the winter months, it’s common to overspend. The weather is colder and it gets dark earlier, so you’ll likely be tempted to spend more time indoors. That naturally leads to more spending as you look for ways to entertain yourself. The good news is you don’t have to break the bank just to have a good time this winter. Here are a few tips for enjoying yourself without going over budget. Pl...
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Eight Key Rules of Personal Finance

Eight Rules That Will Help You Manage your Personal Finances A lot of the time, managing personal finances can seem difficult and even potentially overwhelming. However, it doesn’t have to be complicated, difficult, and confusing. By following a few simple rules, you’ll put yourself in a much better financial position, avoid debt troubles, and learn more about personal finance. Here are eight key rules of personal finance. Salary is not the same ...
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Saving for your Retirement & Your Grandchildren

How to Afford to Retire & Give a Gift to Your Grandchildren Many grandparents want to be able to leave a financial gift for their grandchildren, or to help them out financially with their education or their future in other ways. However, it’s also important to remember the importance of your own financial security. Saving for your retirement is critical. You want to ensure that you’re able to afford all your expenses and have some money set a...
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Sticking to Financial New Year’s Resolutions

Keeping your Money-Related New Year’s Resolutions This is the time of year where many people make New Year’s resolutions. These promises to yourself can be a good idea. They can help you improve your life, reach your goals, better yourself as a person, and achieve your financial goals. However, one issue is that many people end up breaking their New Year’s resolutions shortly after they make them. This often isn’t due to lack of trying, but it’s ...
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Financial Experts Answer Questions on Joint Bank Accounts, Credit Card Debt, Student Loans, Credit Scores, and More

Ask the Experts: December 2018 Unfortunately, money, budgets, and finances are topics that many people do not feel comfortable discussing. There are several reasons why. Some people feel like it’s not polite to talk about money. Others feel embarrassed by what they don’t know, so they don’t say anything. Some people feel like these are private issues that shouldn’t be talked about. However, when you don’t discuss money and when you don’t ask the ...
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Making Financial New Year’s Resolutions

Organizing and Improving your Finances in 2019 The new year is almost upon us and, for a lot of people, this is a time for making New Year’s resolutions. Even if you’re not the type of person to make formal resolutions, many people like to set goals for themselves at this time of year. Some of the most common goals and resolutions involve money and finances. Here are some tips for making financial New Year’s resolutions, coming up with ways to ma...
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Dealing with the Stress of Debt

How to Handle Debt Stress If you are dealing with a large amount of debt, struggling to make ends meet, or both, you know that it can be very stressful. The stress caused by debt can be very difficult to deal with and very harmful to your health. This is because debt stress is with you 24/7. Thinking and worrying about debt can make it tough to eat well, get enough sleep, focus on work, and much more. You don’t have to live with overwhelming debt...
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How to Take Control of your Spending

Tips to Help you Get Your Spending Under Control It’s very easy to spend too much money. There are temptations all over the place and credit cards, apps, and online shopping have made it easier than ever to spend money. However, if you spend too much, you could put yourself in a serious debt problem. In fact, even if you manage to avoid significant debt, out of control spending can still hurt you. If you’re not careful, you could find yourself sp...
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How Automating your Finances Can Save You Money

Saving Money by Automating Your Finances We’d all like to save more money, but it often seems too difficult. Bills need to be paid, groceries need to be purchased, and rent and mortgage costs continue to go up in many areas of the country. After you’ve paid all of your expenses, there likely isn’t much left over. However, that doesn’t mean there aren’t ways to save money. Automating your finances isn’t just convenient, it can also help you save. ...
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How to Retire Without an Employer Pension Plan

How to Plan for Retirement if you Don’t Have a Pension Plan Planning for retirement is tough. It’s hard to look into the future and try to figure out how much money you will need when you retire. This task becomes even more difficult if you don’t have a work pension plan. These days, fewer and fewer workplaces are providing their teams with defined benefit pension plans, especially when compared to those that were once offered many years ago. Ano...
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How Spending a Bit Now Could Save You A Lot Later

When to Spend a Little Bit More If you’re aiming to stick to a budget and trying to save a bit of money, your first temptation might be to always spend as little as possible. In many ways, this makes a lot of sense. When you spend less money on certain things, you’ll have more money available to make ends meet and – hopefully – some to put aside for emergencies and for the future. However, there are some instances where it could be a good idea to...
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How Much Should I Have in my Emergency Fund?

The Importance of Saving for Emergencies Everyone should have an emergency fund. No matter how much money you make, how much you spend, or any other particulars about your financial situation, it’s critical to save for emergencies. Why? Because life is unpredictable. Your car could break down, your roof could start leaking, your washing machine could fail, you could get sick, or you could lose your job. Any of these unexpected situations (and a v...
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How the Financial Stress of the Holiday Season Affects Your Health

The Stress of Holiday Spending The holiday season can be a wonderful time to enjoy festivals, spend time with friends and family, take part in traditions, and more. However, it can also be a very stressful time of year. On one hand, you likely have a very full calendar during the holidays, and this can leave you feeling frantic and hurried. However, another major cause of holiday stress is holiday spending. There is a lot of pressure to spend, sp...
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Paying Back Payday Loans

How to Pay Back a Payday Loan Payday loans seem convenient, but the reality is that they are very difficult to pay down and getting one can lead to serious financial troubles. The reason these loans are so potentially dangerous is that they have very high interest rates. A payday loan is designed to be repaid within a short period of time (usually around two weeks). The issue is that, if someone doesn’t have money now, the likelihood of them havi...
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Saving Money on Work and School Lunches

How Packing Your Own Lunch Saves You Money Eating a nutritious lunch is important. Whether you’re a child going to school or an adult at work, having a good meal in the middle of the day is important. It keeps you going, it helps your brain and body be productive, and it keeps your weight under control. However, while having lunch is certainly good for your health, buying your lunch every day is pretty hard on your wallet. Many people believe tha...
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Sticking to your Holiday Season Budget

How to Avoid Going Over Budget This Holiday Season The holiday season is just around the corner, and you’re likely already thinking about how you will afford all of your expenses without going over budget. There are a lot of financial obligations at this time of year and, if you’re not careful, you can get into serious debt trouble. Here are some tips for having a happy holiday without going over budget. Have a List It’s crucial that you make a l...
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Holiday Season Money Saving Tips

How to Save Money During the Holiday Season The holiday season is here. That means holiday traditions, time spent with loved ones, parties, presents, and – for many people – spending a lot of money. The holiday season is an expensive time of year. A CIBC survey released during the 2017 holiday period found that respondents said they were planning on spending an average $643 on gifts and another $300 on décor and entertaining. And many people wind...
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Our Financial Experts Answer Questions on Emergency Funds, Student Loan Debt, Self-Employment, and More

Ask the Experts: November 2018 Many people do not feel comfortable discussing budgets, finances, and money in general. However, these issues are important. Not only does having a proper budget and enough savings make it possible to comfortably live your daily life, but money and finance issues can cause serious stress. Plus, having financial questions and not knowing the answers can lead to mistakes and financial trouble. On the other hand, talki...
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How Seniors Can Get Out of Debt

Help for Seniors in Debt Your retirement is supposed to be when you get to relax and enjoy the spoils of working for your entire life. However, for many people, retirement is not nearly this easy. More and more seniors find themselves struggling with debt. These struggles can cause numerous problems and make it incredibly difficult to have a comfortable retirement if retirement is even an option at all. One major issue is that, if you have a lot ...
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