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Money; Key To Happiness?
Have you noticed that happiness is in vogue? An industry has developed about happiness. People pay to join groups to laugh…yes, to laugh. Then again, many people strive to get money because they...
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Build Affordability in Your Spending Decision Process: Part 2 of 2
Part one looked at affordability to buy items other than a home. Part two will examine affordability to buy a private house. As well, we will discuss these two matters: Who decides affordability? What...
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Canada’s Looming Household Debt Crisis
In Canada today, we have an impending personal debt crisis. Our heads are in the sand as we congratulate us for the great job we are doing managing our economy. “What are you saying? Everybody knows...
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The DNA Household Finances Strategy
Sixty percent of Canadians polled recently by RateSupermarket.ca indicate that they are uncomfortable with their current debt level. A majority of the 2,929 respondents cited everyday expenses for...
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Three Budgeting Traps to Avoid
I have been working with personal budgets over 47 years from I was 18 and decided to go to college in London, England. Before leaving Jamaica, where I was born, my mom and I sat down and developed a...
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The One Income Challenge for Couples: Part 1 of 2
Often, couples tell me they want to live on one income so one spouse could stay home with their children. But, they say, “We can’t afford to.” Many continue emphatically, “The way things are today, we...
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Budgeting Means Looking Beyond Emergencies To The Small Stuff
Often, folks tell me that without emergencies their finances would be fine. Particularly, they believe large emergencies such as the car breaking down, the roof leaking, broken furniture, and similar...
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Biblical Stewardship Needs Effective Goal Setting
If you do not know where you are going, any road will get you there, is a popular saying at which we chuckle. It is true. Daily, folks spend recklessly to buy unneeded items and then complain their...
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Canadian Household Debt Level Unsustainable – Primed To Crash
A recent Bank of Montreal report carried disturbing information about Canadians’ debt levels. It stated that a small interest rate rise would shock 72% of homeowners. Essentially, 72% of the people...
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3-Spending Guidelines For Financial-Stress Freedom
Consumers continue to fall deeper in debt, while merchants contrive clever schemes to get them spending more. Without a solid offensive plan against merchants, consumers will fall prey to stores’...
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