Personal Finance – Page 9 – How to Achieve Financial Freedom

5 Scary Things About the Government Shutdown

Anna Helhoski writes for NerdWallet. Email: [email protected]. Twitter: @AnnaHelhoski. The article 5 Scary Things About the Government Shutdown originally appeared on NerdWallet. https://www.nerdwallet.com/finance/news/shutdown-2025-halloween #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 #generationalwealth

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Two-thirds of millennials are afraid of running out of money in retirement, CPPIB survey says

Amid a tough job market and troubles affording homeownership , many young Canadians could be skipping on retirement planning despite fears of not having enough in their senior years, according to a new survey. About 66 per cent of respondents aged 28 to 44 ( millennials are aged 29 to 44) said they were afraid

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The CRA is already deflecting responsibility for its missteps instead of improving

As you’re reading this, it is day 57 or so of the Canada Revenue Agency’s “100-Day Plan” to try to improve its call centres . The development of a plan was announced by Minister François Champagne on Sept. 2, after saying on X (formerly known as Twitter) that it was apparent the CRA was not

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How the sandwich generation can ensure a secure future across generations

Each generation is shaped by defining moments, be it the invention of the internet, the rise of smartphones or major economic shifts. Yet, one experience transcends these generational differences: the financial and emotional pressure of simultaneously caring for dependent children and aging parents . Although gen X is often referred to as the sandwich generation,

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Your Top October Money Questions Answered

Kimberly Palmer writes for NerdWallet. Email: [email protected]. Twitter: @kimberlypalmer. The article Your Top October Money Questions Answered originally appeared on NerdWallet. https://www.nerdwallet.com/finance/learn/october-money-questions #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 #generationalwealth

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What foods are Canadians paying the most for as grocery prices rise?

Grocery prices climbed four per cent in September compared with a year earlier, according to the latest consumer price index from Statistics Canada. The increase shows that food inflation is once again climbing after a period of slower growth. However, Canadians don’t need statistics to tell them their grocery bills have gone up. The cost of

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Are Air Traffic Controllers the Key to Ending the Shutdown?

Anna Helhoski writes for NerdWallet. Email: [email protected]. Twitter: @AnnaHelhoski. The article Are Air Traffic Controllers the Key to Ending the Shutdown? originally appeared on NerdWallet. https://www.nerdwallet.com/finance/news/air-traffic-controllers-government-shutdown #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

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How can I diversify out of my GICs into dividend or capital appreciation stocks?

Q. I’d like to diversify out of just my guaranteed investment certificates (GICs) into dividend or potential capital appreciation stocks. How should I do this? I am in the process of deciding how to invest about $600,000 that I received from the sale of my home. I have maxed out my tax-free savings account (TFSA)

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Canada’s budget rebrand is all spin, no substance

Governments understandably don’t like criticism, but it’s part of the game. Governments won’t please everyone, yet their policies should be transparent, open and subject to scrutiny, especially when those policies reshape how the country’s finances are presented. Over the past decade, the federal government has developed a habit of responding to criticism not with rigorous

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Garry Marr: Here’s the real reason the Canadian dream of home ownership won’t die any time soon

Home ownership in Canada has never really been a great investment until you consider the alternatives for accommodation and saving. A panel hosted by the Veritas Group of Companies titled Is Home ownership Dead? passionately debated the topic last week, and the conclusions seem grim. Rightly so. For young Canadians , confidence in housing is

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Paychecks on Pause: Lessons Everyone Can Learn From the Shutdown

Rick VanderKnyff writes for NerdWallet. Email: [email protected]. The article Paychecks on Pause: Lessons Everyone Can Learn From the Shutdown originally appeared on NerdWallet. https://www.nerdwallet.com/article/finance/shutdown-federal-workers #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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How to Track Your Spending Without Getting Overwhelmed

Most people give up on tracking their spending because it feels like another full-time job. The spreadsheets, color-coded categories, and dozens of receipts quickly lead to burnout. But the truth is, you don’t need a… The post How to Track Your Spending Without Getting Overwhelmed appeared first on Crediful. https://www.crediful.com/how-to-track-your-spending/ #financialfreedom #money #entrepreneur #business #finance

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More than half of gen Z feel pressured to ‘fake it till they make it’ financially, says TD survey

Generation Z is using a “fake it till you make it” strategy to appear more financially stable as they head into the real world after graduation, according to a recent survey by TD Bank Group. More than half of the survey’s gen Z respondents (53 per cent) said they felt pressure to maintain “a successful

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How a TFSA can be a gift through the generations

More than a decade after the introduction of tax-free savings accounts ( TFSAs ), here’s a great way to take advantage of them using a little intergenerational planning. As most people know, anyone who was 18 years old when the TFSA program was introduced has since accumulated $102,000 of lifetime contribution room, with new room

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Garry Marr: Why micro condos will survive the current downturn, even if they’ve lost their allure for now

Somehow, a high-rise condominium unit of approximately 300 square feet in downtown Toronto or Vancouver with en-suite laundry and a galley kitchen in a building with amenities, is now considered inhumane in this country. There are a variety of market and government factors that have led to micro-condos, but let’s start by addressing the fact

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Carney is trying to trick all of us with some accounting sleight of hand

In his 1890 anthropological classic The Golden Bough , Sir James Frazer observed that magic rests on the mistaken belief that human ritual can compel nature to obey. That belief was part of my childhood since I was fascinated by magic tricks. As an adult, I still enjoy it. One of my sons took a

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Here’s one way to increase the size of your house without moving

If the economy is stalling and jobs are being cut, it may be time for you to do some trimming of your own. No, this isn’t a column about body shaming, but let’s target the extra pounds of junk in your home, ultimately costing you money, even in a housing market that has seen prices

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Lost or Stolen Wallet? 10 Urgent Steps to Protect Yourself

Losing your wallet can feel like a nightmare. Beyond the hassle of replacing cards and IDs, there’s the serious risk of fraud and identity theft. The faster you act, the more control you keep over… The post Lost or Stolen Wallet? 10 Urgent Steps to Protect Yourself appeared first on Crediful. https://www.crediful.com/what-to-do-if-wallet-is-lost-or-stolen/ #financialfreedom #money #entrepreneur

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How Lifestyle Creep Quietly Wrecks Your Finances

If your income has gone up but your bank balance hasn’t, you’re not the only one. This is a common trap known as lifestyle creep. It happens when your spending quietly rises each time your… The post How Lifestyle Creep Quietly Wrecks Your Finances appeared first on Crediful. https://www.crediful.com/what-is-lifestyle-creep/ #financialfreedom #money #entrepreneur #business #finance #investing

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Empty nesters wonder if they have saved enough to retire and when to take CPP and OAS

Married nearly 30 years, Laurence* and Sandra are officially empty nesters. Their two adult children are independent and building their careers and the couple are ready to fully embrace their next chapter — if they have saved enough. Laurence is 58 and would like to retire by the end of this year. Sandra is 61,

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