Investing For Me: The science of investing.

With a few simple and smart moves, we’ll show you how to put thousands back in your wallet each year.

They call it “white blindness” — when people who are about to wed, spend mindlessly without thinking about the costs. I get it. It’s an emotional time. And there is no price tag too large for your fantasies. (For example: “I’ve always dreamed of riding into the church on a unicorn so I’m going to rent a white horse and pay someone to attach a candlestick to its forehead!”)

As the 2012 tax year comes to an end, ill-prepared Canadians could miss out on tax savings. Canadian Press business reporter Sunny Freeman has some tips to reap the benefits of tax planning.

If you’ve ever been caught in cash crunch you know how hard it can be to dig yourself out of trouble. Debts take over your life, bills pile up and then the phone starts to ring as collection agencies circle overhead. No one wants to be in this position, but there is a way out with the help of non-profit credit cousellors. They can really make a difference. They will teach you how to budget, provide basic credit counselling and talk you through your options in terms of negotiating with your creditors.

Oct. 15, 2012 - Statistics Canada's new data on household net worth suggests Canadian households are more financially vulnerable than previously thought.

Sept. 2012 - I’ve you’ve resolved to your your holiday spending on track this year, it’s time to get a plan in place.

Welcome to RateHub.ca's first-time home buyer education center! Here you will find unparalleled resources for Canadian first-time home buyers designed to help you make informed mortgage decisions.

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How big a factor should penalties be when selecting a mortgage?

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Why are 10-year mortgages are being talked about now when not too long ago they were ignored?

If you ate junk food every day, chances are you wouldn’t notice the steady decline in your health—that is until after the damage was already done. The same thing can be said when it comes to money: you can’t see the negative affects your bad habits are having on your finances until you’re too far gone.

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Here are some helpful tips on how to maximize the financial benefits of this year's income tax refund.

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Quick and easy ways to reduce overall household expenditures.

Almost everyone has a dream car. For some it’s a sporty coup, a luxury sedan or a sleek convertible. For others the ideal car might be a pickup or even a minivan (although less likely). While everyone is drawn to a particular vehicle, the question you have to ask yourself before walking into a showroom is: what can I afford? To be blunt: the car you want may not be the one you drive off the lot.

"It's easy to imagine saving money next week, but how about right now? Generally, we want to spend it. Economist Shlomo Benartzi says this is one of the biggest obstacles to saving enough for retirement, and asks: How do we turn this behavioral challenge into a behavioral solution?"

December 21, 2011 - "Every day, we make decisions that have good or bad consequences for our future selves. (Can I skip flossing just this one time?) Daniel Goldstein makes tools that help us imagine ourselves over time, so that we make smart choices for Future Us."

Note: This discussion is great for those of us making New Years resolutions about saving, budgeting and dieting.

Begin by talking about money.

How can make a financial plan for your future if you do not know where you are today?

Start with a mind shift and baby steps.

"Smart Cookies co-founder Angela Self talks to Rob Carrick about how to save without feeling like you have to pinch every penny."

If you find you are unable to save, you may just have to change your spending habits.

Almost a third of Canadian households report never or almost never having any money left to save after paying their bills, according to a new study issued Wednesday.

Canadians are now carrying record levels of debt. The low interest rates we’ve been experiencing have caused many of us to go on a spending spree – and even though interest rates are low, interest charges still add up – and rates are expected to go higher this year which could cause problems for many families.

Start with a complete budget.

As a growing number of Canadians slip into debt, you'll likely find yourself having more frequent conversations with clients about debt and how to bring it under control.

Almost a third of Canadian households report never or almost never having any money left to save after paying their bills, according to a new study issued Wednesday.

Canadian homeowners do not enjoy the same mortgage interest deduction that their neighbors to the south do. Fortunately, the Smith Maneuver is a powerful financial method that gradually restructures the largest non-deductible debt of your lifetime into a deductible investment loan.

We’ve come up with myriad ways to waste money that we should be saving for our futures. I talk about these all the time, and yet they are still some of the biggest money-makers for our banks. Hello! Pay attention this time.

This season more than ever before, money is front and centre at Downton. From bad investment decisions to poorly timed money chats, there are many lessons to learn on Sunday nights. Here are just a few:

It’s amazing the number of people I talk to who don’t have a Will. People, you’re gonna die, it’s just a matter of time. And if you die before you planned and you don’t have a will, you might end up spinning in your grave when you look down and see where all your money is going.

I know a woman who paid $800 for a pair of Christian Louboutins. And because they were on sale – yup, $800 was the sale price – she bought herself two pairs. All this while carrying a $500,000 mortgage on her home

“First, you need to understand what your spending will be in this new phase of your life, including how much of this is for living expenses and how much is for more flexible lifestyle expenses,”

The term “assault on savers” is coming up more and more in commentary on how the world’s central banks are dealing with the financial crisis.

Many Canadians lack the willpower to cut their household debt, despite good intentions to curb spending appetites, new report shows.

Buying a home means covering a whole mess of expenses. It’s not just about getting a mortgage. While getting a mortgage pre-approval and budgeting your monthly payment are top-of-mind when you go house-hunting, here are some other costs you need to plan for when you’re buying a home:

This is one of those questions that I am asked over and over again, so I thought I'd mention it here. The short answer to the question is "no", but that doesn't tell the whole story.

“Taxes are far and away the largest and fastest-increasing expense in the average household budget,” said Charles Lammam, Fraser Institute associate director and co-author of the Canadian Consumer Tax Index. “In fact, the tax bill for the average family has grown a whopping 1,787 per cent since 1961.”

When I ask whether the people on title are on as joint tenants or as tenants-in-common, they usually don't know. I'm often then asked, "does it make a difference?"

One of the great financial stressors in families – especially for single parents – is keeping up with the Joneses, Singhs and Chans.

One of the things I talk about in some detail in my book Debt-Free Forever is the whole idea of understanding what your core values are. Lots of people say they believe very strongly in one thing, but their actions don’t support their words

With all the blah-blah-blah about maxing RRSP and TFSA limits, many folks think you have to take giant steps in order to be a good saver. Some people just aren’t there.

How to get the most from your insurance company without paying dearly for it in the form of higher premiums.

Historically, young people have bought houses after getting married. These days, though, many newlyweds have no choice but to rent in expensive cities, while affluent singles are buying larger homes in suburbs and exurbs.

If you’re in overdraft, if you’re using your credit card and not paying the balance off in full every month, if your line of credit keeps going up, you’re spending more money than you make.

According to CIBC/Leger, Canadian mortgagors now say they won’t be mortgage-free, on average, until age 57. That’s two years longer than respondents said last year.

Girl Guides is all about empowering young women and teaching them important life lessons. As adults, we’d do well to remember them especially when it comes to managing our money and careers.

Great New Income Tax Prep software site you can use to prepare your Canadian Income Tax Returns. Yes, SimpleTax is free, so you might be wondering, what's the catch? Well, there is none. There are no income limits or restrictions and you can pay what you want, including zero. While we hope you'll support us if you can afford it, the choice is yours.

Welcome to Rev N You, your leading source of Real Estate Investment Advice, Real Estate Coaching & Real Estate Investing Video Tips.

Bargainmoose is a Canadian shopping community, where people can get together to find and share the hottest deals and coupons. Every day, we find the best offers in the Canadian marketplace and blog about them. We write about everything from online coupon codes to Canadian freebies. Over on our hot deal forums, Canadians share all the best deals they can find, using their eagle-eyed shopping talents to benefit the whole community.

Welcome to the MoneySense credit card selector tool. We are going to ask you a few questions about your credit card habits. Then we can match your profile with the 100 Canadian credit cards in our database to find the ones that are best for you.

Do you want to get better at managing your money and feel more secure in your financial future? You've come to the right place.

Founded in August 2010, RateHub.ca is a search engine for Canada’s best mortgage rates. RateHub brings competitive mortgage rates provided by banks, brokers and lenders to one easy-to-use platform. We are a free, no obligation service for website users, and are neither broker nor lender. RateHub empowers home buyers to make informed mortgage decisions through in-depth rate comparisons, innovative calculators, and complete mortgage education.

"As we go through life, our financial responsibilities and priorities are bound to change. Whether you’re just starting your worklife or looking ahead to retirement, planning for life’s important events can go a long way towards helping you make good financial decisions and reach your goals. Follow the links below for helpful financial information on important life events."

"WagJag.com brings you amazing deals on the coolest events, restaurants, fashion finds, activities and adventures. We can deliver great offers because we assemble a group of "WagJaggers" with combined purchasing power (buying in numbers = better pricing…even we know that!)."

What it's all about!

"We offer carefully created getaway adventures, mini-breaks and staycations. With a click of the mouse, Jaunt will provide you with a handpicked menu of local travel opportunities that are expertly planned, packaged and priced."

"Practical Money Skills is a free financial literacy program to help Canadians understand the fundamentals of money management. Created by Visa, the program offers money management resources including calculators, games, and lesson plans tailored for use by Canadian families and educators."

"We were established in 2001 by the federal government to strengthen oversight of consumer issues and expand consumer education in the financial sector. In July 2010, FCAC was also tasked with the oversight of payment card network operators and their commercial practices."

"Choosing a cellphone may be challenging. There are lots of choices out there, and consumers want to pick the options that best meet their needs, at a fair price. But often, the choices offered can seem like apples and oranges, and comparing them can be tricky."

"This online tool from the Government of Canada will help you fully understand your debt problems and some options that are available to you, regardless of your level of debt and to whom you are indebted. You will also find information on making a budget and budget counselling, collection agencies, credit and credit repair."

"Once you have decided that it is either not desirable or not possible to pay for a vehicle in its entirety up front (which will always be the cheapest way to acquire a vehicle), the decision has to be made whether to finance or lease. Both have inherent advantages and disadvantages."

This site takes "couponing" to a new level and is a great site for cost conscious consumers.

Are you looking for ways to lower the costs associated with your mortgage? Your credit cards? Your Line of Credit? Or are you just looking for the best interest rate on a Guaranteed Investment Certificate? This site is worth a visit.

This is a great site created and managed by five friends with a view to improving the allocation of your hard earned savings. Why spend more than you have too? Smart Cookies gives you ideas and tips on how to get more for your buck. Practical, real-life advice.

This a wonderful site that is full of information on personal finance. If you are looking for budgeting or investing information, Morningstar is a tremendous resource.

Mint.com is a great site that empowers you with the ability to track and monitor your spending and household expenses. The site originated in the United States and is now available in Canada. Mint.com is owned by Intuit Company, which also offers additional financial software products such as Quicken, QuickBooks and TurboTax.

This is a great site for each and every Canadian. Ms. Vaz-Oxlade maintains a very simple and focused approach to managing a family's finances. The site is a treasure trove of articles and books that provide a tremendous resource for anyone wishing to regain control of their money and their financial future. 

Are you planning a wedding? Then this site can be a great source to add in the planning and save you money. 

Another website with tons of savings on common everyday purchases. Easy to use and easier to save money.

This is a great site if you like to save on everyday purchases. It provides easy access to coupons that can be used to reduce the cost of your common purchases. If you came across a couple of dollars lying on the sidewalk, would you pick it up? This site had dollars lying all around it.

This is a great site for those wishing to take advantage of current special offers and promotions from merchants and service providers. Take a look to see what is on special today.

Budgeting and getting the most from your pay cheque can be easier with a little help. Great Canadian Rebates might be able to help you to stretch each dollar a little further.