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Video: Household Budgeting

  • Snap your family’s financial photograph - MoneySense

    MoneySense columnist Bruce Sellery on how to capture your net worth, cash flow, strengths and weaknesses when it comes to money.

  • How to save $6,000 this year - YahooFinance

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

  • How to pay off your mortgage faster - MoneySense
  • Best ways to save money on your wedding - Melissa Leong

    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!”)

  • Save your #@%* Money: Holiday Hangover - Melissa Leong
  • Early tax planning for the best return - YahooFinance

    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.

  • How credit counsellors help - MoneySense

    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.

  • Canadian household debt - YahooFinance

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

  • Start saving for the holidays now - YahooFinance.ca

    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.

  • Canadian Mortgage: Learn The Basics - ratehub.ca

    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.

  • Ripping the lid off mortgage penalties - The Globe and Mail

    Click on the title to watch the video

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

  • Why you should consider a 10-year fixed mortgage - The Globe and Mail

    Click on the title to watch the video.

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

  • Healthy spending choices - MoneySense

    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.

  • How best to use your income tax refund - YahooFinance.ca

    Click on the title to watch.

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

  • 5 tips to lower household costs - YahooFinance.ca

    Click on the title to watch the video

    Quick and easy ways to reduce overall household expenditures.

  • Affordable wheels - MoneySense

    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.

  • Saving for tomorrow, tomorrow - TED

    "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?"

  • Daniel Goldstein: The battle between your present and future self - TED

    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.

  • The best ways to manage your credit - Gail Vaz-Oxlade
  • Can you hear me? - Gail Vaz-Oxlade

    Begin by talking about money.

  • Mistakes Canadians make when managing their finances - Gail Vaz-Oxlade

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

  • Steps to Confidence with Gail Vaz-Oxlade

    Start with a mind shift and baby steps.

  • Tips on saving money in tough times - Globe and Mail + Smart Cookies

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

  • How to turn butting out into $200,000 - Globe and Mail

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

Articles: Household Budgeting

  • Extended warranties on new cars don’t always pay - MoneySense

    An extended warranty is a good idea for brands like Audi, Mercedes-Benz, BMW, Cadillac and Lincoln if you plan to keep the car for several years.

  • Canadians plan to boost savings - Investment Executive

    The most common barriers to meeting savings goals included insufficient income (69 per cent), followed by high expenses (67 per cent) and management of debt (50 per cent).

  • Not the Time for a 10-year Fixed - Canadian Mortgage Trends

    There was a time last year when the spread between 10-year and 5-year fixed rates was below 3/4 of a percentage point. That made even the 10-year scoffers among us rethink our positions. But spreads are now back over 1%. That means 10-year terms simply aren’t worth the interest premium anymore (for all except the most payment sensitive borrowers).

  • Credit Cards: Understanding Your Rights and Your Responsibilities

    You can benefit from an interest-free period, also known as the grace period, when you make purchases with your credit card. To do so, you must pay the balance in full by the current month's due date. The grace period on new purchases officially starts on the last date that is included in your monthly billing period.

  • A Mortgage Resolution to Keep - Canadian Mortgage Trends

    It scares the #*!@ out of me to think about retiring with a mortgage. And if you’re making minimum payments on a long-term mortgage, it should scare you too. The stats are no joke:

  • Canadian debt levels to rise at faster fate in 2014 - Investment Executive

    Credit-monitoring agency TransUnion says the non-mortgage debt of Canadians is likely to set a record next year. In its first such annual forecast, TransUnion predicts the average consumer's total non-mortgage debt will hit an all-time high of $28,853 by the end of 2014.

  • The hidden trap of mortgage penalties - Globe and Mail

    No, you won’t have to pay the posted rate on your next mortgage. Pretty much nobody does that any more, according to mortgage broker Robert McLister. The real danger is that posted rates will be used to calculate the penalty if you ever have to break your mortgage, probably costing you thousands of extra dollars.

  • A Tip for Better Mortgage Comparisons - Canadian Mortgage Trends

    When choosing a term, it’s often necessary to compare two mortgages side by side—for example: a fixed rate and a variable rate. This comparison typically entails running hypothetical amortization schedules on each mortgage and then comparing the total payments and ending balances. Check it out!

  • Savings and the art of avoidance - IEF

    In a recent survey, Investor Education Fund (IEF) asked Canadians from four dierent income brackets why they feel they can’t save on a regular basis.

  • Five Rules To Improve Your Financial Health - Investopedia

    The term “personal finance” refers to how you manage your money and how you plan for your future. All of your financial decisions and activities have an effect on your financial health now and in the future. We are often guided by specific rules of thumb – such as “don’t buy a house that costs more than 2.5 years’ worth of income” or “you should always save at least 10% of your income towards retirement.”

  • Low-Profile Mortgage Rules - Canadian Mortgage Trends

    The national average home price just broke another record, hitting $391,820 according to CREA. That will not go unnoticed in Ottawa.

  • Understand Your Expenses - Gail Vaz-Oxlade

    Fixed. Variable. Must-haves and nice-to-haves. These are the kinds of expenses people have. When people have trouble figuring out their spending priorities, it’s likely because they don’t have a clear understanding of their expenses and the demands they create on their cash flow.

  • Canadians spend more time thinking about money than love or leisure - Investment Executive

    According to the study, 63 per cent of Canadians say they spend more time thinking about finances than other aspects of their life, including planning leisure activities (22 per cent) and pondering the ups and downs of their love life (14 per cent.

  • Average consumer non mortgage debt hits $27,355: TransUnion

    The study by credit reporting agency TransUnion says that the average consumer debt load, excluding mortgages, increased $225 to $27,355 in the third quarter.

  • Ontario Dividend Tax Rules Change - Advisor

    Currently, Ontarians making more than $70,000 must pay a wealth surtax. But that surtax is only applied after non-refundable tax credits have been subtracted, including the dividend tax credit.

  • Take The Debt Test - Gail Vaz-Oxlade

    How much debt is too much debt? From a purist’s perspective, any consumer debt is too much debt. Whenever you have to take money from your cash flow to pay for things you’ve already used up, you’re getting behind the eight-ball.

  • Women less likely to do financial planning - MoneySense

    Attracting women clients is an ongoing challenge for the financial industry since women do far less formal financial planning than men. Even though women are increasingly in control of more wealth and are likely to be living without a partner for at least part of their adult life, their role as financial heads of households has not translated into increased involvement in financial planning.

  • Are You Financially Literate? - Gail Vaz-Oxlade

    I’ve long held that financial literacy is part KNOWING and a much bigger part DOING. We all know we should be saving, right? But how many of us prioritize saving?

  • How Much Do You Owe? - Gail Vaz-Oxlade

    ime and again when I ask people what they owe, they give me a litany of responses, quoting source of debt and balance one at a time. When I say, “Add it up!” they look at me horror-stricken. When they do add it up, they want to toss their cookies.

  • The Ultimate Mortgage Checklist - Canadian Mortgage Trends

    There are numerous ways to weed out inferior mortgages, and (believe me) there are countless inferior mortgages out there. Once you’ve scouted out the best rates, it’s time to start asking questions. Here’s what you’ll want to know:

  • Financial freedom is in your head - Money Sense

    Have you ever wondered why some people are quite happy living on $40,000 a year while others can’t make do on $120,000? How is it possible to be happy and feel financially secure if you’re not making the big bucks?

  • Where to Find Your Savings - Gail Vaz-Oxlade

    Most people spend without even thinking about it. I’m always telling people about how easy it is to find the money you need to save. It isn’t a matter of cutting back to the point where you’re having no fun at all. But wouldn’t it be interesting to see just where your money goes when you’re really paying attention?

  • When to lease or buy a new vehicle - MoneySense

    First you need to ask yourself how long you plan to keep your car. Changing cars frequently costs more than keeping one until it wears out. 

  • MoneySense unveils new fee-for-service directory of financial planners

    Today, MoneySense takes the wraps off its new online directory of fee-for-service financial planners and money coaches. This revamps our popular online directory of “fee-only” financial planners, a resource that many do-it-yourself investors and users of discount brokerages have found useful over the years

  • Credit Card Merchant Fees - Gail Vaz-Oxlade

    Canadian merchants pay more than $5 billion in credit card fees on Visa and MasterCard transactions. Over time, merchants pass those fees on to consumers, including those customers who do NOT even use credit cards, paying with less expensive methods of payment such as an Interac debit card or cash.

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Websites: Household Budgeting

  • GreedyRates

    GreedyRates provides consumers the ability to search for, compare and apply for credit cards by converting every points, rewards, and miles program to a comparative cash value. GreedyRates.ca, then shows users how much each credit card can earn or save them based on their individual profile. A new and innovative online tool to help Canadians find the right credit card.

  • My Money, My Choices

    Here’s how each My Money, My Choices community will be set up.

    First, you must pull together a Tribe. A Tribe is a group of interested participants from your community. You can define your community however you like but I define a community as any group with similar interests. It could be your religious community. It could be at your school or workplace. It could be your book club, knitting club or hockey team.

  • SpyRate.com

    Looking for the best mortgage rate? Then it is worth visiting this website to make sure your rate is the best offered.

  • Canada Auto Leasing

    If you are currently leasing a vehicle that no longer meet your needs, you can offer to transfer your lease through this website for free. You can describe, with photo, your vehicle specifications and financial information. Interested parties will be able to communicate directly with you when more information is needed. Find someone to take-over your lease!!

  • Lease Experts

    Want a divorce from your car lease? Lease Experts is Canada’s premier lease marketplace for transferring auto leases from a current to a new lessee. Our company specializes in connecting sellers that are looking to get out of their lease with buyers looking to take over a lease. If you have an auto lease that no longer fits, we will help you find someone to take over your lease.

  • LeaseBusters

    Want a divorce from your car lease? There’s a marketplace for that. LeaseBusters connects auto lease sellers and buyers, often saving consumers thousands in the process. A lease-take-over, by definition, is the action whereby a new customer takes-over or assumes the balance of an existing vehicle lease belonging to the original customer.

  • Simple Tax

    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.

  • Rev N You

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

  • Bargainmoose

    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.

  • Credit Card Selection Tool - MoneySense

    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.

  • Your Financial Toolkit - Financial Consumer Agency of Canada

    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.

  • RateHub.ca

    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.

  • Financial Consumer Agency of Canada

    "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

    "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!)."

  • Jaunt.ca

    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 - Visa

    "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."

  • Financial Consumer Agency of Canada (FCAC)

    "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."

  • Cellphones - A Guide to Making Better Choices.

    "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."

  • Take Charge of Your Debt

    "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."

  • Should you buy or lease your next car?

    "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."

  • RedFlagDeals.com

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

  • RateSupermarket

    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.

  • Smart Cookies

    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.

  • Morningstar Canada

    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 - Canada

    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.

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