Budget – Still?

We have gone through an initial budgeting process together.  A complete budget is meant to give you financial control. It is meant to help you plan not only for your income in-flows but also to regulate, or “flat-line” your expenses making them more...

Budget for Lifestyle

Everyone spends money differently and everyone has different priorities when it comes to their spending patterns. Let your budget harness and regulate these patterns. This brings us back to accruals. If you enjoy taking a vacation start planning for it now. Forecast...

Budgetting for Debt

We have focussed primarily on household budgets and household expenses. I had mentioned to build debt repayment into your budget to effectively maintain your financial household. Can a complete budget help in the context of debt? YES, it does! Build debt repayment...

Budget Despair – Options

Further to the last blog, if your debts prove unmanageable even with a comprehensive budget, you may need additional assistance. We can help. A Consumer Proposal may be the right tool to assist you in controlling and managing your burdensome debt. Many people confuse...

Debt

I recently had a meeting where the fellow I was helping stated that he had “about $700.00” in his bank account. I was really curious as I was staring at an ATM slip indicating his account was in overdraft for almost $50.00. On further questioning it turned...

Debt #2

It occurred to me that most people are not too familiar with the concept of debt. They know they have some debt, they know they have borrowed from somewhere and that the debt has to be repaid. When it comes to different types of debt, things become a bit cloudy....