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Pandemic financial habits that are worth keeping when this is all over

Budgeting, Debt, Financial plan, Insurance, Investing, Personal Finance, Spending

Pandemic financial habits that are worth keeping when this is all over

If you weren’t managing your money well before the COVID-19 crisis, you might be now given the prolonged period of financial uncertainty we’re all facing. Here are four pandemic financial habits that are probably worth keeping after the worst of it has passed. Paying closer attention…

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What is fraudulent loan stacking?

In this day and age, it’s not uncommon for Canadians to have multiple types of credit products listed on their credit report. Many borrowers have one or more credit cards, a car loan, a mortgage, maybe even a few personal loans to take care of. There is…

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Why Research Should Be a Priority Before Taking On Debt

Car expenses, mortgage payments, utility bills, credit card bills, school tuition are just some of the expenses many Canadian households deal with year-round. It’s no wonder why more and more consumers are seeking loans to help them cover the day to day expenses associated with…

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Are you a loan stacker? Here’s how to break the cycle

If you weren’t able to cover the balance owing on your credit card in January, or perhaps you’d like to borrow money for an upcoming investment, chances are you’re looking for a more efficient way to borrow.  One option that some people choose is called…

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Five core financial principles that lead to wealth — for anyone

Here are some of the most important money lessons I’ve learned — handily boiled down to the five best financial principles to live by. These have been pressure tested and highly researched and they work for anyone, at any income level, no matter what your…

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You need an emergency fund — but you can make it work for you too

The best practice around emergency funds is that you should have at least three months’ worth of critical household expenses (rent or mortgage, condo fees, utilities, groceries, etc.) set aside in case an emergency happens. The exception is if you are heavily indebted, in which…

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We challenge you to 30 days of no-spending

Have you ever taken a month off of spending? We’ve got tips on how to successfully pull it off.    Every year, after the holidays are finally over, I go on a 30-day spending detox. I do it for three reasons: First, it’s an excellent…

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Four smart ways to stay out of debt this holiday season

The fastest ways to slip into debt during the holidays — and any time for that matter — is to spend without a budget (not having a realistic plan) and then compound the issue by not tracking what you actually spent (not facing reality). The…

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Resetting your money mindset after a major negative life event

When financial catastrophe strikes, it can disempower you and your money. Shift your thinking with these practical tips. Separation or divorce. Illness. Death of a loved one. Bankruptcy. Failed business. Job loss. Retooling for an entirely new career. Major unexpected expense. What’s common amongst these…

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4 ways to improve your credit after a financial reset

If your credit has been impacted because you’re going through a financial reset, follow these four helpful tips brought to you in collaboration with Capital One. Not surprisingly, individuals who are working their way through a financial reset are worried about rebuilding credit. Your credit…

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Stop feeling overwhelmed by your financial goals for 2019

According to a recent Tangerine survey, improving finances is one of the top-cited resolutions for Canadians in 2019. But balancing between other important areas of your life will make sure that your year, and your life, are more than just dollar signs. Here’s how you can…

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The rise of subscriptions could be squeezing your digital wallet

Subscriptions are like paper cuts. If you get too many of them, they can harm your financial and physical well-being. The nastiest part is they’re so darn small, they often go undetected for quite some time.     In the past five years, the subscription…

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Stretch your grocery budget by shopping online

Today on @BTtoronto we talked about how technology is revolutionizing the way we shop for groceries and why that's saving Canadians money. @WinstonSih @rogerfpetersen Full story: https://t.co/Lel9bUpukB — MeVest (@MeVestMoney) July 31, 2018 One of my pet peeves is buying something and then finding out…

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Merging your accounts with your honey? Read this.

MeVest founder, Lesley-Anne Scorgie, hosts guest contributor, Janine Rogan. Merging your accounts with the love of your life has pros and cons. For starters it makes things easier at the end of the month when you don’t need to tally up who owes what. If…

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Is mortgage-freedom your goal? Tackle it in these three ways.

Not everyone can visualize a future without a mortgage. But, Sean Cooper did. Before he was 30, Sean eliminated his mortgage on the home he purchased in Toronto nearly eight years ago. In our latest episode of LA TV, with MeVest founder and host, Lesley-Anne…

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Re-imagine Your Budget to Stop Overspending

Remember, fancy spreadsheets and apps won’t save you. Better behaviours will. As a certified money coach and personal finance author,  I’ve seen just about every version of budgeting that you can imagine; families with an entire section of their kitchen countertop full of jars individually…

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Goodbye Costly Cable TV, Hello Savings – Week 9

For its ninth challenge, Metro’s Small Changes, Big Win series gets you to save by cancelling your cable television subscription. Small changes to the way you spend can add up. We’ve pulled together weekly tips that will add a minimum of $10 to your savings….

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This Year, Restrict Holiday Drinks to Half-price Happy Hour – Week 2

For it’s second challenge, Metro’s Small Changes, Big Win series gets you to scope out discounted drink specials. Enjoy responsibly and bank those savings. Small changes to the way you spend your money can really add up. We’ve pulled together weekly tips that will add…

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Rates are likely going up and it could be a good thing

WATCH: What the interest rate hike might mean for you – @Lesleyscorgie's interview with with @aartipole on #CBCNN https://t.co/9sc2bm5cd6 pic.twitter.com/L9t7UAgDgM — Jeffrey Sze (@jeffrey_sze) July 3, 2017   A rate increase in Canada could actually be a good thing because it can have a slight…

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The 32 per cent rule in real estate

  Mortgage lenders have loads of rules they must follow from government policies around borrowing limits to their internal risk management frameworks that protect their institutions from a borrower defaulting on their loan (i.e. not paying it back). But, one rule in particular has stood…

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The 32 per cent rule in real estate

  Mortgage lenders have loads of rules they must follow from government policies around borrowing limits to their internal risk management frameworks that protect their institutions from a borrower defaulting on their loan (i.e. not paying it back). But, one rule in particular has stood…

Read More

The 32 per cent rule in real estate

  Mortgage lenders have loads of rules they must follow from government policies around borrowing limits to their internal risk management frameworks that protect their institutions from a borrower defaulting on their loan (i.e. not paying it back). But, one rule in particular has stood…

Read More

4 Reasons Your Mortgage Application Could Be Declined

There are many reasons that mortgages don’t get approved including low income, too much debt, and bad credit. Here are some ideas of what you can do if you’re getting declined due to any of the following reasons. Low Income: If the bank tells you…

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Seven smart steps couples can take to build wealth together

Money matters don’t need to drive a wedge between you and your partner. Follow these seven steps. Money issues are indifferent to your age, gender, sexual orientation, life stage, and upbringing. And, despite the material wealth and bright smiles we see on the outside, money…

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Metro’s Money Makeover – how to save and pay down debt

Metro’s finance guru Lesley-Anne Scorgie has only 10 weeks left to tackle Annick and Yolanda’s largest financial burdens and teach them to allocate resources. The challenge: Metro’s finance guru Lesley-Anne Scorgie has 10 weeks left to get Annick, 24, and Yolanda, 27, to change their spending…

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