Money

When you run a business that deals with customized products, a cancellation can be a bigger issue than it may be for the average business. You might have created a birthday banner that includes a child’s name, matched colors a customer approved, and trimmed the ribbons to the perfect length. You’re almost ready to package […]

Between groceries, kids’ activities, household bills, and all the little expenses that end up being a bigger financial drain, preparing a family budget can feel like a full-time job. And, with the cost of living still putting pressure on households, it’s easy to get caught up in making it through the month without thinking much

Starting a home-based business can be an appealing option for a mom looking for a way to earn income while working around your family’s schedule. You might consider launching a virtual assistant business, selling handmade products, offering consulting services, or turning a hobby into something that brings in extra money. Whatever your idea, there’s plenty

Falling behind on your mortgage is stressful enough without having to worry about what could happen to your home, your credit, and your family’s financial future. If you’re dealing with missed mortgage payments in certain states and provinces, a power of sale can have consequences that extend well beyond losing the house. Your credit can

Too often in life, unexpected expenses have a way of showing up at the worst possible time, as you’re already juggling the needs of an entire household. Having a plan for those surprise costs can help you cover them without dipping into money set aside for the mortgage, groceries, kids’ expenses, or your long-term financial

It’s always exciting planning a family vacation. Choosing the hotel, the pool, the restaurants, and the activities is part of the fun of the vacation itself, and sure to have you anticipating your trip. But, then you need to add up the costs. Between flights, the hotel, your meals, a rental car, attraction passes, and

When you’re raising kids, it’s hard not to think about the future, especially when it comes to finances. There are education costs to consider, savings goals to work toward, and the ongoing challenge of balancing today’s needs with tomorrow’s plans. It’s also easy to feel like you’re failing your child if you don’t have a

Grocery shopping for a family can end up feeling like a math exam when you’re trying to save money. One box is labeled as family size, another is on sale, a third has a bright sticker promising better value, and your child is asking whether you can please buy the cereal with the cartoon character

If you’ve ever found yourself in a financial pinch between paychecks, you may have already tried looking for options to help you get to next payday. And, if you’ve done any research lately, you may have come across something called a flex loan. It’s a term that gets talked about fairly often; but, what does

Raising children changes the way a household spends money. Groceries cost more. Clothes are replaced more often. School supplies, medical visits, activities and birthday gifts all become part of the monthly rhythm. A family budget helps parents manage these moving pieces without guessing where the money went. Budgeting doen’t have to be strict or complicated.

If you have kids in sports, you already know how quickly the costs can add up. One season it’s soccer jerseys and shin guards. The next it’s basketball uniforms, warm-up gear, and team hoodies. Before long, a single season of sports can start to impact your family budget more than you expect. The good news

You know that moment in the car after school pick-up when your child is unusually quiet. You ask a few gentle questions. They shrug. You can tell something happened, but you weren’t there to see it. Whether your child had to deal with a comment in the hallway, a conflict at lunch, or a rough

There’s a particular kind of exhaustion that comes from caring for everyone else all day, and then lying awake at night wondering whether you’re doing enough for yourself. Motherhood sharpens your sense of purpose, but it can also make career decisions feel heavier. When you decide on your job, you’re also choosing a schedule, a

It’s all too common for a busy mom to turn to processed foods or takeout when life starts to get busy. But, with a little bit of planning, batch cooking can give you a way to create healthy meals quickly and easily. By preparing ahead, you can ensure that your family has large quantities of

Money isn’t always the easiest topic to bring up with your parents, especially if you grew up in a home where finances weren’t discussed openly. Still, these conversations can be incredibly important as your parents get closer to retirement. Understanding their plans and preparations can help ensure they’re able to stay independent for as long

The holiday season can feel like a whirlwind for moms. Between decorating, planning family gatherings, and finding gifts for everyone on your list, it’s easy to see why online shopping has become such a holiday game-changer. The convenience of shopping from your phone, grabbing great deals, and having everything shipped right to your door is

If you’re managing payday loans while balancing motherhood, you’re not alone. Life’s unexpected expenses can add up quickly, especially with kids in the mix. Finding ways to pay off multiple loans may feel overwhelming, but with the right tools and strategies, you can regain control of your finances and work toward stability. This guide will

For most parents, it can be all too easy to let day-to-day expenses take all your focus. But, planning for retirement is one of the most important ways that you can ensure the comfort of both yourself and your family in the future. And, whether you’re just starting your career or are nearing retirement age,

Home renovations can be exciting and rewarding, transforming your house into a dream home while adding value and functionality. But, they can also be expensive. And failing to properly plan for the expense can turn a dream home renovation into a nightmare. Whether you are remodeling a kitchen, adding a new room, or upgrading fixtures,

Making a career change is never easy, especially when you have kids depending on you. But, if you’re pursuing a passion, it can be worth the effort involved. While it takes a bit of extra work and planning to transition to a new career as a parent, that doesn’t mean it’s impossible! The key is

Balancing motherhood and career aspirations can be challenging, but that doesn’t mean it’s impossible! As a new mom, you may be considering taking some time to advance your education and career in order to provide a better life for your little one. And thanks to modern technology, pursuing your dreams while still caring for your

Managing a household and balancing a busy schedule as a mom is a full-time job all on its own. It’s no wonder that sticking to a budget and finding ways to save money on top of those daily duties can feel overwhelming! Fortunately, there are some simple and practical strategies you can use to keep

There’s nothing that’s revolutionized the shopping experience quite as much as online shopping has. The ability to order anything from groceries to luxury goods from the comfort of your own home is the ultimate convenient experience. But, the ease of online shopping means that it’s equally easy to suddenly finding yourself spending more than you

In recent years, two seemingly unrelated trends have gained momentum: the rise of family-focused travel experiences, and the growing use of cryptocurrencies. As more families aim to create memorable experiences together, and digital currencies become increasingly mainstream, a potential joining of these trends is emerging. Ethereum price fluctuations and other market dynamics do mean that

Whether you’re renovating your home, paying for your child’s college expenses, or dealing with emergency expenses, a personal loan may be a helpful solution in ensuring your family’s financial security. However, ensuring you make the best choices when deciding to take out a personal loan is essential if you want to properly manage your finances.

Becoming a parent is one of life’s greatest joys, but it also comes with many new responsibilities and challenges, including financial ones. From diapers to college funds, the expenses of raising a child can seem overwhelming at times. According to Statistics Canada, a two-parent, middle-income family with two children spends approximately $293,000 from birth to

Becoming a new parent is an incredible joy and a life-changing experience. But, it also brings a variety of new financial challenges. From covering the cost of diapers and baby supplies to budgeting for childcare expenses and potential loss of income, the financial burden may come as a bit of a surprise. Fortunately, there are

Motherhood is a full-time job that requires juggling a myriad of tasks and responsibilities, which is why so many mothers choose to stay home with their kids. Between cooking, cleaning, changing diapers, helping kids with , there’s not much time left for anything else anyway. However, just because you’re a stay-at-home mom doesn’t mean you

Whether you sell handmade candles on Etsy, run a small bakery on Facebook Marketplace, or have your own storefront, making your products stand out is essential for a small business. And that’s where custom packaging comes in! Investing in high-quality and attractive packaging that showcases your unique style can help create a good first impression

Divorce itself is a stressful and unpleasant process, but when it comes to the separation of business assets, things become doubly difficult. In Canada, dividing business assets in a divorce may require a lot of legal and financial efforts. Real estate lawyers in Richmond Hill suggest keeping the following guidelines in mind when preparing to

Whether replacing a damaged roof or upgrading a kitchen, home repairs and renovations can be a big expense. On average, homeowners spend about $6,000 yearly on home repairs, and up to $22,000 on a single home renovation project. While some homeowners can pay for a project out of their pocket, the majority are often not

The thought of turning your hobbies into a steady source of income is a dream for many. And, no matter what your interests, there’s no reason you can’t make that dream a reality! In today’s global economy, there is a buyer for every product or service. And, thanks to the Internet, anyone can reach their

In our rapidly evolving digital age, mobile banking has emerged as a financial game-changer, offering convenience and efficiency to consumers worldwide. More and more, the traditional brick-and-mortar banking model is giving way to the innovative world of mobile banking, providing users with a host of benefits that are transforming the way we manage our finances.

In our busy lives, it can be all too common to open up the fridge to make supper, only to discover that your bag of broccoli or container of yogurt has gone bad. Food waste is relatively common in North America. In fact, it’s estimated that 40% of the total food supply in North America

As a digital entrepreneur, my insurance needs tend to be a little different than those of the average person. In addition to health insurance, finding a way to protect my source of income is important to help ensure my business is secure. In Canada, entrepreneurs have the option of paying into the federal employment insurance

Auto insurance is mandatory for drivers in Canada. But, there are still times when you might need to cancel your policy, whether it’s because you’re unsatisfied with your current provider or you’re selling your car. When cancelling auto insurance, it’s important to know how to do it correctly, to ensure that you’re legally and financially

Purchasing a first home is one of the most exciting moments in many adults’ lives. And for first-time home buyers, an FHA loan can be a great way to achieve home ownership. But what exactly is an FHA loan, how is it different from a regular mortgage, and what makes it such a good choice

With inflation on the rise and budgets stretched tighter than ever, right now is the perfect time to look through your family savings and make sure they’re in order. Whether you’re deciding if a zero deposit lease for family cars is a good choice for your budget, or if putting money in a high interest

When it comes to living a happy, healthy life, most people already know that caring for physical and mental health is important. But taking steps to improve financial health can be just as valuable to your overall well-being! The stress of dealing with debts and money worries can have a big impact on your quality

If you own a car, you may have an untapped source of income parked in your driveway. Thanks to innovative technologies, and unprecedented demand, you can now use your car for more than just getting groceries and driving to work. In fact, using your car to increase your income can let you save money for

Are you thinking about setting up a savings account to help you manage your money and keep track of your finances? Saving money has always been an important part of planning for the future. In today’s world, it is more important than ever to put away enough money for short and long-term goals. Setting up

If you’re having trouble paying your utility bill, you’re not alone. In fact, about one in six households are behind on their utility bills. It can be a stressful situation, but don’t panic. There are various options available to alleviate the pressure. Read on to learn what to expect if you are struggling to pay

When you begin to consider investing in a new asset, it can be overwhelming, especially if you don’t have much investing experience. Hearing news about stock market crashes or people who invested their life savings only to lose it all can cause a lot of fear. But those stories aren’t reasons to avoid investing. Instead,

Starting your own business is a big moment, and when you decide to involve your family, it can involve some extra challenges. On the one side, a family business can mean that everyone is more committed to the business’s success. On the other hand, not properly considering what role each family member will pay and

Most of us are affected in one way or another by inflation, the rising cost of living, and increasing interest rates. And for many, rising interest is most noticeable when making monthly mortgage repayments. That’s why using a mortgage loan calculator to help avoid surprises can be so important. If you’re concerned about the current

When it comes to investing, diversity is always a good idea. And that’s why including commodities in your investment portfolio can be so useful. But do you know where and how to trade them? If you’re wondering how to get started with commodities trading, keep reading to learn several ways to invest in commodities, as

Nobody wants to deal with a car accident, but they do happen. And what if it happens when someone else is driving your vehicle? That experience can be significantly more stressful, and the situation can get a bit more complex.  These are some of the things you should know about accidents when the driver is

People consider personal loans for all kinds of different reasons. However, only some of those reasons are worth the higher interest rate a personal loan usually carries. If you want to learn about how a personal loan works, and when might be a good time to get one, this article is for you.

Canada is one of the best places in the world to start a small business. And, if it’s something you’ve been considering, deciding to start a custom hoodie business can be one of the easiest and most affordable ideas to get up and running. If you search online using the phrase “custom hoodies in Canada,”

Are you currently searching for your new dream home? If so, congratulations! Buying a house is one of the most important moments in most people’s lives. But it can also be a bit daunting. There’s a lot to consider when house hunting. That’s why following some simple tips for first-time home buyers is so important.

When it comes to managing my family’s budget, I’m always on the lookout for ways to save on everyday expenses. After all, every dollar counts when you’re raising three hungry and energetic kids! And recently, when going over my monthly income and expenses, I realized that I was paying over $200 a year for my

Family trips are some of the most fun and memorable experiences of our lives. But a family vacation can be expensive, too! That’s why, when traveling with family, it is essential to make a budget to guide your spending. Vacations aren’t cheap, and they get much pricier when you’re paying for multiple people. If you’re

The life of a single parent is a difficult one, to say the least. You not only have to take care of a child by yourself, but you also have to manage your income and finances. The latter tends to be a massive challenge for single parents, as they can only depend on their own

If you are a single parent, you know how hard it can be to make ends meet. Juggling work, parenting, and household responsibilities can be challenging enough without having to worry about making extra money. But, there are ways to earn a little bit more money from the comfort of your own home! If your

Your family budget affects more than just you! In fact, the welfare of your entire family depends on the successful management of a budget. And that’s especially true if you have kids, since they are directly affected by your financial decisions. That’s why it’s great to involve your kids in the family budgeting process from

If you’ve been feeling like it’s more expensive to put food on the table for your family, you’re right. Between inflation and supply chain issues, prices in grocery stores have hit an all-time high across the board. And, depending on where you live, you may be paying even more than everyone else. In Tennessee, for

With housing prices skyrocketing in many places across North America, El Paso has become one of the biggest markets for out-of-state homebuyers. The average home price as of the second quarter of 2021 was $374,900, while homes in the Texas border city averaged just $197K. With a price difference like that, it’s no wonder houses

When you have a family, you also have bigger financial responsibilities. Coming up with a wealth management strategy will help ensure financial security for everyone. Depending on your family’s needs, there are several ways to achieve your financial goals, both traditional and not as traditional. Start by looking into these four:

Whether you want to stop living paycheck to paycheck, or you’re hoping to build a nest egg for your child’s future, you’re not alone if you want to start getting your family’s finances in order. A stunning percentage of Canadian families have grappled with financial fallout over the last year, with one-third admitting that they think they will

Keeping a family grocery budget reasonable can be pretty challenging…especially when the kids are going through a growth spurt! But if you’re looking for ways to save a little more on groceries, making sure your food lasts as long as possible is a must. After all, throwing out food is basically throwing away money…and nobody

Are you curious about how inheritance tax works? While most people understand money basics, like paying off a Payday Depot loan or calculating basic income tax, inheritance tax can be a little more complicated. Whether you’re concerned about taxes you may have to pay after a loved one passes, or you’re worried about a potential

Whether you’re starting a business from scratch or growing an existing venture, it takes money to turn dreams into reality. There are all kinds of issues that can be avoided by ensuring the cash flow you need is available. But finding that money can be one of the biggest challenges your small business might face.

Whether you’re working only to pay your bills, or having the time of your life at your dream job, living paycheck to paycheck can be hard to handle. It not only keeps you from planning your future, but it also holds you in a state of perpetual worry. Getting out of this financial pickle can

If you’ve ever received an email or letter offering you a new credit card, the offer may have included the fact that you were pre-approved or pre-qualified for the card. These terms seem similar, and are often considered to be the same when customers receive credit card offers in the mail (or via email), but

When it comes to the difference between good credit and bad credit, I have first-hand experience. In fact, I went through a bankruptcy and then dedicated years to rebuilding my credit score, which is now over 800. So, I know just how much your credit score matters. A good score can mean lower interest rates,

If you love sewing and have a good level of skill, it’s only natural to consider using your talent to make money sewing for others. People who can sew have never been in higher demand, so you’re in a great position! And the best part is that it’s actually very affordable to get started, especially

When the weather gets warmer and summer gear comes out of storage, it can often cause your home to feel a little cluttered. Spring cleaning is the perfect opportunity to free up some storage room and earn a bit of extra money on the side. Think about all the old Christmas gifts stuffed up in

Finding cute outfits for our kids is one of the most fun things about being a parent, but sometimes it can sure seem like they need new clothes all the time! Whether your child’s going through a growth spurt or plays so hard their clothes end up destroyed, keeping their wardrobe stocked can take a

No matter how prepared you thought you were for retirement, it’s likely that the last few years had some impact on that. Inflation is definitely not easy on North Americans planning for retirement! Some people lost their jobs. Others lost investment money as stock prices crashed. And still others simply lost faith in the strength

It’s something no parent wants to think about: a house fire. But, every kid needs to learn about fire safety, and parents are encouraged to create and practice a fire safety plan with their kids, including an exit plan and safety advice to keep one from breaking out in the first place. As a parent,

When starting a business from home, it’s important to remember that there’s no way to be at the same level as a longer-running business. As a new enterprise, you start off at a distinct disadvantage, one that can take a long time to overcome if you’re doing business traditionally without any means of addressing the

This is a sponsored post written by me on behalf of The Co-operators. All opinions are 100% mine. Even though financial literacy wasn’t something I was ever taught in my younger years, running my own business meant that I had no choice but to figure it out! From budgeting for less profitable months to tracking