Managing money can feel overwhelming—budgets, credit scores, taxes, investments, retirement plans. But once you break it down into simple steps, the path to financial stability becomes much clearer. This guide covers the core building blocks of personal finance so you can take control of your money and start building long-term wealth. Why Money Management Matters … Read more
If the last few years taught me anything, it’s this: life is volatile and cash is confidence. An emergency fund keeps surprises—job changes, medical bills, car repairs—from turning into high-interest debt. Here’s the simplest way to size yours and where to keep it in Canada. The Quick Answer Essential expenses = your baseline to stay … Read more
If you’re building an emergency fund, saving for a near-term goal, or parking cash while you wait to invest, you’ve probably narrowed it down to a GIC (Guaranteed Investment Certificate) or a HISA (High-Interest Savings Account). Both are low-risk and typically CDIC-eligible up to $100,000 per depositor, per category, per member (note: provincial credit unions … Read more
