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Debt Proposal
J.Webb & Associates

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613.820.2100

Debt Proposal
J.Webb & Associates

Book A Free Consultation

Call Us Anytime

613.820.2100

CERB/CRB.

Just a helpful reminder that the CERB/CRB benefits you may have received are fully taxable. Once you combine these benefits with other income - whether with various pension benefits or other employment income - you may become the innocent victim of "bracket creep"....

Tax Time!

As you all know, tax season is just around the corner. Be prepared, be organized and file on time as interest and penalties assessed by Canada Revenue Agency on late filings can really add up!

Budget Beware

The newspapers have carried quite a number of articles on consumer debt and the benefits of budgetting the past few weeks. The timing for these articles co-incides with credit billing periods following the holiday season. Too many households stretch their budgets thin...

Budgeting 102

The first stage to responsible budgeting is setting your own parameters or limits. Sit down with whoever contributes income to the household. Ask yourselves what you feel is reasonable to spend on different items or categories. Some categories are easy - these are...

Budget Continues

Once you've determined and recorded your fixed costs a pool of money should be left over. This is where lifestyle enrichment gets funded. That is your next step in developing a solid budget - determine your lifestyle expenses. Develop a series of categories that...

Almost There – Keep to the Process

You now have a better handle on your income and expenses. We are at the final stages in preparing a good, workable budget. We are also at a pivotal budget stage - reasonableness! Your budget has to satisfy your goals. To do that, you have to define those goals and put...

Budget Beware – Here You Come!

If you've followed all the preceding steps you should be staring at a workable budget. The budget will have a rough blueprint as to expenses, lifestyle satisfaction and goal satisfaction but treat this draft as exactly that - a blueprint. You've determined that the...

Budget Beware – Helpful Hints

As you`ve probably realized, a good budget changes on a month by month basis. It changes based on priorities, goals, even on the change in seasons. If its cold outside people tend to entertain at home more often. When barbeque season starts, grocery budgets tend to...

Budget Beware – Off to the Races!

You`ve now got a handle on what you feel you should be spending based on the natural restriction of available income. You have a budget prepared with target amounts that you are comfortable with. You`ve accomplished a giant first step but now have to take your budget...

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 manageable....