Personal Finance – Page 3 – How to Achieve Financial Freedom

Canadians are being more cautious and selective with their money: report

Canadian consumers have not reduced their spending in the face of a struggling economy, but they are are being more cautious and selective with their money, according to new transaction data from Moneris Solutions. The payment processing company, which handles roughly one in three transactions in Canada, said total domestic spending was essentially flat year […]

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Three steps to make filing your tax return to the CRA less painful

The latest stats from Canada Revenue Agency ’s tax filing season tracker show that as of April 12, 16.1 million taxpayers have filed, meaning about half of us have yet to file our 2025 tax return — including me. But I’m not panicking, as I always wait until the last minute to make sure I

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Jury Rules Live Nation Is an Illegal Monopoly — What It Means For You

Anna Helhoski writes for NerdWallet. Email: [email protected]. Twitter: @AnnaHelhoski. The article Jury Rules Live Nation Is an Illegal Monopoly — What It Means For You originally appeared on NerdWallet. https://www.nerdwallet.com/finance/news/live-nation-ticketmaster-trial #financialliteracy #financialfreedom #finance #financialindependence #personalfinance #money #financialeducation #investing #financialplanning #entrepreneur #debtfree #wealth #creditrepair #budgeting #investment #debtfreecommunity #credit #financialadvisor #creditscore #financetips #financialgoals #realestate #debtfreejourney #moneymanagement #creditrestoration

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How to create your own pension paycheque

Ted Rechtshaffen, chief executive at TriDelta Private Wealth , talks about creating a tax-efficien t financial plan for retirement . https://financialpost.com/personal-finance/how-to-create-your-own-pension-paycheque #financialfreedom #money #entrepreneur #business #finance #investing #financialliteracy #success #investment #wealth #motivation #financialindependence #passiveincome #personalfinance #realestate #stockmarket #debtfree #entrepreneurship #invest #bitcoin #creditrepair #debtfreecommunity #investor #trading #workfromhome #stocks #credit #financialeducation #bhfyp

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Why timing the bottom of Canada’s roller-coaster real estate market may be harder than you think

Spring is traditionally the busiest time for real estate and this year, the stakes couldn’t be higher. Follow our Spring Real Estate Survival Guide series as we unpack some of the most pressing questions buyers and sellers are grappling with, plus expert advice on how to navigate the reality of a slower market. Read the

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This creative money transfer strategy among family members could raise red flags with CRA

Q. I have loaned $500,000 to my wife at the Canada Revenue Agency’s (CRA) prescribed low interest rate of three per cent and she has been paying the required interest. I am gifting $100,000 by bank transfer to my adult son, who is 21 years old. He will transfer the same amount by bank transfer

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Whether for curb appeal, cutting grocery costs or pleasure, your garden project needs a realistic budget

There is something about the fresh promise of spring that nudges even practical homeowners to let their imagination wander. A small vegetable patch can become a backyard kitchen garden. A patchy front lawn can inspire a full landscaping redo. And for anyone thinking about listing a home for sale this summer, a few shrubs and

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18 Places to Get Money Orders in 2026

Money orders are one of the most reliable ways to send a guaranteed payment, and millions of Americans use them every year to pay rent, cover bills, or send money without a bank account. Unlike… The post 18 Places to Get Money Orders in 2026 appeared first on Crediful. https://www.crediful.com/money-orders-near-me/ #financialfreedom #money #entrepreneur #business #finance

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Warnings about AI and your taxes come from both the CRA and a judge

In the past month, two warnings concerning the use of artificial intelligence (AI) in the world of Canadian personal tax have been issued. The first, was a general warning to Canadian taxpayers courtesy of the Canada Revenue Agency , while the second was a reminder from a federal court judge about the use of AI

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‘Warflation’ Will Hit More Than Just Gas Prices

Anna Helhoski writes for NerdWallet. Email: [email protected]. Twitter: @AnnaHelhoski. The article ‘Warflation’ Will Hit More Than Just Gas Prices originally appeared on NerdWallet. https://www.nerdwallet.com/finance/news/war-inflation #financialliteracy #financialfreedom #finance #financialindependence #personalfinance #money #financialeducation #investing #financialplanning #entrepreneur #debtfree #wealth #creditrepair #budgeting #investment #debtfreecommunity #credit #financialadvisor #creditscore #financetips #financialgoals #realestate #debtfreejourney #moneymanagement #creditrestoration #invest #wealthbuilding #creditrepairservices #moneytips #passiveincome #finances

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Canadian pension plans are so healthy that employers are taking a contribution ‘holiday,’ says Mercer

Canadian pension plans are so healthy that employers are taking contribution holidays, but the good times may not last, says human resources consultant Mercer (Canada) Ltd. “Surpluses have been increasing over the past couple of years and when the surpluses get large enough, some clients actually find themselves in a position where a contribution holiday

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Garry Marr: With housing prices flat, the high cost of moving has never been more clear

The spring housing market is here, and with it a temptation to move, but before you pull the trigger on a purchase, it is worth stepping back and considering a long-range plan for how many times you will buy and sell homes in your lifetime. Downsizing, upsizing, buying for the first time … it doesn’t

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CRA denied taxpayer with multiple health issues the disability tax credit

Of the numerous non-refundable credits on the 2025 tax return, one of the most valuable ones is the disability tax credit (DTC). The DTC is a non-refundable tax credit that is intended to recognize the impact of various non-itemizable, disability-related costs. For 2025, the value of the federal credit was 14.5 per cent of $10,138,

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Looser Banking Rules Could Mean Cheaper Loans For You. What Could Go Wrong?

Anna Helhoski writes for NerdWallet. Email: [email protected]. Twitter: @AnnaHelhoski. The article Looser Banking Rules Could Mean Cheaper Loans For You. What Could Go Wrong? originally appeared on NerdWallet. https://www.nerdwallet.com/finance/news/basel-III-endgame #financialliteracy #financialfreedom #finance #financialindependence #personalfinance #money #financialeducation #investing #financialplanning #entrepreneur #debtfree #wealth #creditrepair #budgeting #investment #debtfreecommunity #credit #financialadvisor #creditscore #financetips #financialgoals #realestate #debtfreejourney #moneymanagement #creditrestoration #invest

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Old Age Security reform is a good idea; arbitrary clawbacks are not

My Shih Tzu bichon, Enzo, loves to wander. He’ll find any opportunity to take off, requiring me to chase after him. We’ve even had to install a GPS-enabled wireless fence., which keeps Enzo in but not because he wants to. Many governments are increasingly taking a similar approach to their tax systems. In a world

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Dad won’t talk about estate planning. How can I avoid being blindsided?

Q. I am an only child but my dad is very quiet on estate planning . I am unsure what to do at this point. I’m 40 years old and my dad is 67 years old. He owns a home, a boat, three cars and a cat. He is still working as a labour foreman

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When helping a young adult out with the rent can do more harm than good

By their mid-twenties, many young adults are eager for independence, but the realities of an uncertain job market, high housing costs, daily expenses and student debt mean the transition to full financial independence is taking longer than it once did. For parents, this stage often brings a mix of pride, concern and practical questions. Still,

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If the USPS Runs Out of Money, Will You Still Get Mail?

Kate Ashford, WMS™ writes for NerdWallet. Email: [email protected]. Twitter: @kateashford. The article If the USPS Runs Out of Money, Will You Still Get Mail? originally appeared on NerdWallet. https://www.nerdwallet.com/finance/learn/usps-out-of-money #financialliteracy #financialfreedom #finance #financialindependence #personalfinance #money #financialeducation #investing #financialplanning #entrepreneur #debtfree #wealth #creditrepair #budgeting #investment #debtfreecommunity #credit #financialadvisor #creditscore #financetips #financialgoals #realestate #debtfreejourney #moneymanagement #creditrestoration #invest

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How can an Ontario couple ensure their disabled son is taken care of after they die?

Anthony*, 62, and Chelsea, 61, have been enjoying retirement in Ontario for the past decade or so. Their biggest concern is ensuring the financial stability of their youngest child after they are gone. He has a developmental disability and is not able to manage his own finances. To this end, their child receives Ontario disability

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From retirement to rewirement: Why working past the age of 65 is becoming normal

In my early days as an adviser , I worked with a client who had spent more than four decades in a demanding professional role, often working long weeks. His financial plan worked exactly as expected when he finally retired, but what surprised him was everything else. Without meetings, deadlines or colleagues, his days suddenly

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