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Lifestyles

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Lifestyles

TRENDING  CHOOSING A LOAN AGENCY OR LENDER    

09.08.2021 / Lifestyles

5 Tips to Prevent Impulse Buys
The internet has made it easy to make impulsive purchases: just a swipe and a click, and that amazing pair of shoes is yours. Impulse purchases are usually an emotional reaction to counter stress, but the dopamine spike that comes from "retail therapy" is temporary and subsides when the budget woes…

09.02.2021 / Lifestyles

5 Bad Money Habits That Are Normalized
Normalizing poor financial management has made people give themselves permission to skip some of the most important things they need to be doing. These bad habits can damage people’s financial health for years. Here are five of the worst spending and saving habits that are normalized.  1. Failing …

08.26.2021 / Lifestyles

How to Boost Your Credit Score
Your credit score is important for understanding your overall financial health. A higher score will help you get approved for new lines of credit with the lowest interest rates possible. If yours is not as high as you'd like for meeting your financial goals, don't despair. With some time and effort…

08.25.2021 / Lifestyles

Is it More Cost-Effective to Grocery Shop Every Week or Month?
Modern families don't have as much spare time as they would like. Numerous responsibilities are extremely time consuming, making it impossible to fit everything in. While every parent would love to provide healthy food alternatives for their children, this is often difficult to achieve. One of the…

08.19.2021 / Lifestyles

What’s the Difference Between a FICO Score and VantageScore Credit Score?
Lenders use credit scores to determine the creditworthiness of a borrower. Common types of activity that contribute to your credit score are debts, such as student loans and mortgages, credit cards, and auto loans.   Credit scores range from 300, which is very poor, to an excellent 850. If you…

09.08.2021 / Lifestyles

5 Tips to Prevent Impulse Buys

The internet has made it easy to make impulsive purchases: just a swipe and a click, and that amazing pair of shoes is yours. Impulse purchases are usually an emotional reaction to counter stress, but the dopamine spike that comes from "retail therapy" is temporary and subsides when the budget woes…

09.02.2021 / Lifestyles

5 Bad Money Habits That Are Normalized

Normalizing poor financial management has made people give themselves permission to skip some of the most important things they need to be doing. These bad habits can damage people’s financial health for years. Here are five of the worst spending and saving habits that are normalized.  1. Failing …

08.26.2021 / Lifestyles

How to Boost Your Credit Score

Your credit score is important for understanding your overall financial health. A higher score will help you get approved for new lines of credit with the lowest interest rates possible. If yours is not as high as you'd like for meeting your financial goals, don't despair. With some time and effort…

08.25.2021 / Lifestyles

Is it More Cost-Effective to Grocery Shop Every Week or Month?

Modern families don't have as much spare time as they would like. Numerous responsibilities are extremely time consuming, making it impossible to fit everything in. While every parent would love to provide healthy food alternatives for their children, this is often difficult to achieve. One of the…

08.19.2021 / Lifestyles

What’s the Difference Between a FICO Score and VantageScore Credit Score?

Lenders use credit scores to determine the creditworthiness of a borrower. Common types of activity that contribute to your credit score are debts, such as student loans and mortgages, credit cards, and auto loans.   Credit scores range from 300, which is very poor, to an excellent 850. If you…

08.10.2021 / Lifestyles

Meal Prep: Freezer Cooking That Saves Money

Freezer cooking, also known as investment cooking, is a great way to save time and money. Setting aside a chunk of time on the weekend to cook and freeze a bunch of meals will enable you to relax on those busy weeknights. This will allow you to streamline your grocery shopping and avoid impulsive …

08.07.2021 / Lifestyles

Set Yourself Up for a Healthy Financial Life

Have you ever scrolled through pages of financial advice and wondered whether there’s a straightforward way to set yourself up for a healthy financial life? Fortunately, there is! Although the world of finances can quickly become complex, managing your money well and ensuring a solid financial…

08.03.2021 / Lifestyles

Essential Money Moves for Women

You work hard for your money, so why not make sure your money works hard for you? In today's world, women are rising the ranks in the workplace and climbing professional ladders faster than ever. It's essential to be your own financial officer and make smart money moves that can help you secure a…

07.29.2021 / Lifestyles

How to Avoid Revenge Spending Post-Pandemic

Even if you’ve been saving extra money during the pandemic, it’s important to be wary of going overboard and splurging too much once the it’s over. All across Canada, household savings have gone up as many people have stayed at home and spent less on their usual activities. However, revenge…

07.29.2021 / Lifestyles

Can You Quickly Raise Your Credit Score?

There’s no way to repair your credit overnight. Nevertheless, there are a few things that you can do to make considerable progress in relatively little time. Here are some tips to improve your credit quickly.  Check and Monitor Your Credit  Keeping a close watch on your credit score is an…

07.27.2021 / Lifestyles

Avoid Paying an Overdraft Fee Ever Again

Are you tired of constantly paying overdraft fees to your bank? Although having a bank account can come with several advantages and may play a key role in helping you manage your money, overdraft fees can become a financial burden. However, you can get around this problem by finding straightforward…

07.08.2021 / Lifestyles

Save Money on Energy This Summer

Energy bills can rise considerably in the summer. Some people see their bills go up around 50 percent or even more. Being more conscientious about how you use power can make a big difference in your monthly bill and help you put more of your money toward fun summertime activities. Here are some…

07.02.2021 / Lifestyles

Inexpensive Places to Travel in Canada

Travel is a great way to reset, rejuvenate and take a break from your daily life, but it isn’t always cheap. If you’re on a budget but would love to get away, it is possible to travel in Canada without breaking the bank. Here are some of the least expensive getaway locations in the country. …

06.28.2021 / Lifestyles

How Debt Can Impact Mental Health (And How to Help)

Have you ever thought about whether debt and finances can affect an individual's mental health? Finances may have more of an impact on emotional and mental well-being than you might think, but it's possible to turn those feelings around. There are certain signs that can indicate it's time to get…

06.22.2021 / Lifestyles

Celebrating the 2021 Summer Solstice

Summer is the perfect time of year to gather with friends and family. Enjoy the essence of the season by organizing a get-together on the Summer Solstice.  This holiday focuses on renewal, reflection, and celebrating life. It is an ideal event to spend with your loved ones. Quality time together…

06.18.2021 / Lifestyles

30 Day Mental Wellness Challenge

Promoting good mental health is a critical component in maintaining your quality of life, but if work and other activities keep you too busy to take time out for yourself, try this 30-day mental wellness challenge. For the next month, challenge yourself to get out of your typical routine, focus on…

12.01.2020 / Lifestyles

Couple Goals - Managing Money Without Conflict

Money can be a touchy subject, and many people choose to keep their financial habits and plan to themselves. While that works when you’re single, it’s different when you’re in a relationship. Monetary woes are often cited as the number one reason for conflict in relationships. You and your partner…

11.18.2020 / Lifestyles

3 Quick Ways to Save Money

While having a long-term savings plan is vital to your finances when you need to quickly boost your savings, adopting a few tailored strategies can help. Having an adequate savings cushion can mean the world when you run into an emergency expense, so putting in the effort to put some cash away is…

10.19.2020 / Lifestyles

Identifying 5 Financial Life Stages

You might be nixing takeout to save up for your daughter’s private school tuition while your friend just spent a few thousand dollars on a vacation with his girlfriend. What’s happening here? Has your friend forgotten how to save money, or are you being too stingy with yours? There is probably no…

09.24.2020 / Lifestyles

The Benefits of Cheque Cashing Services

There are many ways to cash a cheque. The more traditional option requires having a bank account. You can then deposit the cheque in person at a bank or even electronically via an app. Another common option is to rely on cheque cashing. There are pros and cons to using this service and it’s…

09.16.2020 / Lifestyles

Enter The Ultimate $10,000 Sweepstakes

Enter today for a chance to win the grand prize of $10,000, plus other daily prizes.  Visit www.ultimate10kgiveaway.com or ask an employee for details. Contest runs September 16 – November 10, 2020 Terms and Conditions: PAYDAY LOAN TRANSACTIONS ARE NOT CONSIDERED ELIGIBLE TRANSACTIONS IN…

09.11.2020 / Lifestyles

What are Cheque Cashing Services?

When it comes to cheque cashing, there are several services available to convert that valuable piece of paper into cold, hard cash. If you have a bank account, you might consider this option. Unfortunately, banks tend to charge excessive maintenance fees for their accounts and you rarely get…

08.17.2020 / Lifestyles

Are Cheque-Cashing Services an Alternative to Traditional Banks?

Cheque cashing services are growing in popularity for several important reasons. Personal hardships can make the use of traditional banking services impossible for many individuals. Economic instability on a greater scale in the future is likely to drive this trend into the mainstream. When banks…

07.27.2020 / Lifestyles

Zero Waste Equals Money Saved

What is Zero Waste Living?  Every year, millions of tons of trash pack landfills.  While alarming on an environmental level, it also makes for a financial disaster.  Zero waste living combines several familiar ideas and combines them into a single idea: Waste nothing.    Not only are there…

07.24.2020 / Lifestyles

Monetizing Your Lifestyle Blog

Making Money with a Blog  A lifestyle blog is a very broad term that includes anybody who posts about their lifestyle online.  Most people begin blogging for fun, but it has become easier and easier to make a little money on the side through monetization.  There are plenty of unique ways to do…

07.21.2020 / Lifestyles

6 Ways to Save Money on Your Rent

For most people, rent is their largest monthly expense. When dealing with a crisis, or just looking at the budget, that big number stares back without mercy. Sometimes the best solution to a problem is to shake things up and change the facts. But is it possible to change the rent? It just might be…

07.14.2020 / Lifestyles

Buying a Home? Here's How to Purchase One with Resale Value

Buying with Selling in Mind  Buying a house is a very exciting experience, and a wise buyer might consider the resale value in the future. This is a very wise way to go about buying a house- things change, jobs change, opportunities arise, and sometimes houses need to be sold.  While it may take a…

07.07.2020 / Lifestyles

How You Can Start Saving Money at the Grocery Store

Shopping at the grocery store for meals to eat at home is one of the best ways to save money on a tight budget.  Going out to eat is not only more expensive per person, but it puts the wallet at the mercy of the flashy ads and marketing ploys.  But there are ways to save even more while spending…

07.07.2020 / Lifestyles

Do Millennials Care More About Their Credit Score than Previous Generations?

Millennials and Their Credit Scores  Millennials (those born between 1982 and 1999) are now in their twenties and thirties and making significant life decisions and purchases.  At the age where cars, first houses and more are bought, Millennials are discovering the trials and tribulations of the…

07.07.2020 / Lifestyles

Being Wise about Your Digital Wallet Spending

A revolution has taken place in the world of spending, saving, and financial transactions of all kinds.  While the credit and debit card increased the speed and ease of access to funds, the digital revolution has accelerated it even more.  Now people are using digital wallets – stored financial…

06.12.2020 / Lifestyles

Overcoming Financial Hardship During COVID-19

COVID-19 and the loss of work are creating financial hardship for many people. It becomes more challenging with each week of the pandemic to cover expenses. People are now faced with the issues of which obligations can be met and how to prioritize payments. Increasingly, there is not enough money…

06.09.2020 / Lifestyles

Glossary of Financial Terms

Financial terms and jargon can be awfully intimidating! Our Personal Finance Glossary should be helpful in putting this finance lingo into simple, everyday language. Account: An arrangement at a financial institution for depositing, withdrawing, borrowing or investing money. Account Statement:  …

05.22.2020 / Lifestyles

Here’s What to do if You Can’t Pay Rent Due to COVID-19

As COVID-19 continues its march across Canada, citizens are experiencing devastating economic impacts. In March, there were over a million job cuts, and April’s numbers were doubled from the previous month. If people who have experienced a reduction in work hours are figured into the employment…

04.14.2020 / Lifestyles

Signs You’re Wasting Money (Without Knowing It)

Where Did it All Go?  It is truly fascinating how long it can take someone to realize that they are a spender.  Most folks consider themselves responsible and good with their money. But knowing what to do, is not the same as actually doing it.  Maybe a person knows what they ought to do, but since…