Millennials and Zoomers are all about earning big and retiring early. Who doesn’t want to spend their golden years exploring new countries or living in peace? Despite that, 32% of Generation Z have nothing in their retirement savings. We’re all familiar with the hard truth that saving is a lot harder than it sounds. With groceries, rent, and utility bills piling up every month, it can be difficult to even think about saving for retirement. That’s why we’ve compiled these smart saving strategies to help you build wealth. Read on to discover more and how you can start working toward financial fr ..read more

Are you wondering how to create assets with a limited income? Do you think it’s impossible? We’re here to change your mind and show you the pathway to building wealth regardless of your income level! Our comprehensive guide delves into the heart of financial planning and asset creation. It’s filled with strategies that are easy to understand and implement. You don’t have to be rich to create assets. You just need to be smart with your funds. You’ll learn how to leverage your existing income, however small, to create a robust asset portfolio over time. Why wait to start your journey towards fin ..read more

Ever find yourself wondering where your paycheck disappeared just a few days after payday? You’re not alone. Many of us struggle to effectively budget our hard-earned money. But let’s change that! You can overcome the paycheck-to-paycheck cycle by learning to budget by paycheck the right way. Imagine having control over your finances, knowing exactly where each dollar goes. It’s possible! Just think about the stress-free life you could lead, free from worry about unexpected expenses or the next payday. Living within your means doesn’t mean giving up the things you love. It means making smarter ..read more

Research shows that 44% of Canadians under 64 years of age have less than $5,000 in their savings account. Many Canadians may not understand how to save money or think that building wealth is beyond their reach.  Saving money is an important aspect of everyday life. You may be saving money for retirement, buying a home or a new car, preparing for a baby, or a financial emergency.   So, how can you boost your financial health? Saving money doesn’t have to be a complicated process. Following these top 10 brilliant money-saving tips below is a good way to get started toward better ..read more

Did you know that multiple people and businesses fail because people don’t understand proper money management habits? When you don’t understand how to take care of your financial health, it can have dire consequences in the future that affect you in more ways than one. If you’re looking for a daily money manager to help you keep things on track, you’ve come to the right place. Below, you’ll find a brief guide detailing how a daily money manager can help you create healthier spending habits. Stop and Think Before Buying? Did you know everything placed closer to the register is put there on purp ..read more

We get it: it’s tough to say “no” to fast cash. Payday loans make a lot of appealing promises, from quick processing to easy access when you have bad credit. However, these loans are also more predatory than you’d think, with high interest and exorbitant fees. One survey found that less than half of Canadians understood how much more expensive these loans can be than other options! Where do you turn when you need a good payday loan alternative? Fortunately, there are plenty of great resources. From getting a line of credit to taking out personal loans from lenders like Credito, the right optio ..read more

Are you a Canadian who is looking into installment loans? If so, you are not alone, considering that about 70% of Canadians have some sort of debt.  You may have been looking into different types of loans and have concluded that an installment loan is your best bet. However, that does not mean that you know everything about these loans.  So, what should you know about installment loans? This guide goes over the most important information you need to know.  No Credit Check Required One of the main benefits of installment plans is that you can typically get one without a credit ch ..read more

Did you know that in the third quarter of 2022, the average net savings of Canadian households was only $1,964? That’s quite the decrease from the previous year’s third quarter when the average was $2,455! Many families even had no savings at all. Even more concerning is how Canadians say they now need at least $1.7 million in savings to retire. All those figures show how crucial it is to save as soon as possible, even while you’re still young. The sooner you do, the more likely you can achieve big saving success.  To help you begin, we’ve created this guide discussing our top t ..read more

In 2022, 44% of Canadians expressed concerns about meeting their day-to-day expenses.  This is why financial stability and smart money management are becoming essential. Adopting frugal spending habits helps as well. A frugal lifestyle doesn’t necessarily mean living a life of deprivation; it’s about making conscious choices that prioritize your financial well-being. Don’t worry, you aren’t not going to have to use up the kernels from the bottom of your popcorn bag or make wigs out of hair leftover in your comb. Eeek! This article speaks about seven simple financial tips from a fruga ..read more

About 17% of Canadians are struggling to manage their money and do not have a clear budget in place. Most often, they report not having the time to budget or finding money management boring. Still, others fail to budget because the topic overwhelms them.  No matter the reason for letting money management slip through the cracks, not having a plan can be a disaster for your financial wellness. Why is money management important? The answer to this question will open your eyes to a whole new way of spending!  In this post, we’ll walk you through the benefits of money managemen ..read more