Louise Allison's Blog, page 2

Not Spending This Black Friday Could Be the Best Gift You Give Yourself

As the holiday season approaches, the excitement over sales and gift-giving reaches a fever pitch, especially on Black Friday. Tempting deals are just waiting to lure us unsuspecting folks to fill our carts (in-store and online) with items we may not even need. Now, I wouldn’t say I like shopping, and I don’t like malls....

The post Not Spending This Black Friday Could Be the Best Gift You Give Yourself appeared first on Nip It In The Budget.

The Terror of Mortgage Renewal Time

Are you facing mortgage renewal in the coming months? Yeah, me too. If you’re like me, you’re among the millions of other Canadians with a mortgage renewal on the horizon, you may be feeling the financial pressure. My rate last time wasn’t the best on the market at the time, but at 2.79 was pretty...

The post The Terror of Mortgage Renewal Time appeared first on Nip It In The Budget.

Don’t Leave Money On The Table At Work

Optimizing Your Savings Through Employer Contributions I don’t just sit around at home eating bon bons all day. I go to work like the 16.5 million full-time employees here in Canada. One of the most effective ways to boost our personal savings and overall financial security is by taking full advantage of the benefits offered...

The post Don’t Leave Money On The Table At Work appeared first on Nip It In The Budget.

Which is the Right Registered Account? – The Canadian Conundrum

Making the right choice between a Tax-Free Savings Account (TFSA) or a Registered Retirement Savings Plan (RRSP) could save you a LOT of money! An RRSP is the right path for you if: For example, If Chris earns $90,000 annually and contributes $5,000 to their RRSP, they could save up to 40% in taxes on...

The post Which is the Right Registered Account? – The Canadian Conundrum appeared first on Nip It In The Budget.

Don’t Live Your Life Stressed About Money

Life is full of surprises, and not all of them are pleasant, we could probably hold an online discussion that would run into hundreds of hours about the surprises we’ve all faced. Think of your Safety Net Fund—or maybe you prefer to call it a Peace-of-Mind Fund, Rainy Day Reserve, Cushion Fund, or plain old...

The post Don’t Live Your Life Stressed About Money appeared first on Nip It In The Budget.

Increase Your Disposable Income with One Phone Call

Yes, just one phone call. Negotiating your bills is one of the easiest ways to save money every month. It’s a strategy anyone can use—whether you’re on a tight budget, love a good deal, or simply want to make your money work harder for you. I don’t know about you, but here in Metro Vancouver,...

The post Increase Your Disposable Income with One Phone Call appeared first on Nip It In The Budget.

Talk About Money, It’s Not Taboo Anymore

I don’t know about you, but I get a little irritated with our world where competition often takes centre stage, whether keeping up with the Joneses or just the one-upmanship that happens in regular old conversations. If you’ve ever or never watched Monty Python, do yourself a favour and watch the Four Yorkshiremen Sketch. In...

The post Talk About Money, It’s Not Taboo Anymore appeared first on Nip It In The Budget.

Financial Health – Just One Part of Your Self-Care Routine

Today marks International Self-Care Day, a perfect opportunity to reflect on an often-overlooked aspect of our well-being: financial health. In our fast-paced world, juggling daily demands and priorities is challenging enough without the added burden of financial worries. Financial self-care is as crucial for managing stress and preventing burnout as nurturing your mental, emotional, and...

The post Financial Health – Just One Part of Your Self-Care Routine appeared first on Nip It In The Budget.