Spending & Lifestyle
Life Planning for Two Countdowns
[Life Expectancy vs. Health Expectancy] When most people plan for retirement, they focus on one question: How long will my money need to last? It’s the right question. But there’s a second one that often matters just as much — and gets far less attention. How long will I be healthy enough to enjoy it?…
Improve Your Life By Spending With Intention
One of the most powerful financial concepts has nothing to do with stock picking, market timing, or complex strategies. It’s simply understanding what today’s spending could become if it were invested and allowed to compound and grow over time. This isn’t about guilt or deprivation, it’s about awareness and intentionality. You should choose to spend…
Are You Living Too Frugally?
Many people assume that financial security is purely about numbers—having a stable income, a well-funded retirement plan, and an emergency cushion. But in reality, financial well-being is just as much about mindset as it is about money. There are plenty of people who are in a strong financial position but still feel uneasy about spending,…
Is Your Wallet Shrinking?
If you have watched or read the news lately then you will have heard about the “unprecedented” inflation as of late and I wanted to break this down a little. Inflation simply means the rate at which a dollar loses value over time. This is shown in the increase of the average price level of…
Fall Back to your Budget
This past Sunday marked the end of Daylight Savings Time (DST) so everyone’s clock reverted by one hour and you got an extra hour of sleep. It’s funny that we are even still participating in this semi-annual chaos on our internal body clock. The whole reason that DST was created was during World War I…
The Invisible Thief
We’re all living longer and we can thank technology, medical, and public health advancements but are you ready for it? In Canada, in 1950, the average life expectancy from birth was 68 years and by the year 2000 the average life expectancy had increased to 79 years old. The U.N. projects that by 2050 the…
Bank Fees & Why You Should Care
The Canadian Bankers Association (CBA) released a new report titled, “Focus: Banks and Consumers,” on September 7, 2021 that advised a greater proportion of Canadians are paying less (or nothing) in bank account service fees than ever before. The report stated that 31% of Canadians say they pay no service fees at all and another…
Finance RX 