http://budgetsense.ca Personal Budgeting & Finance tips and advise for a better living Wed, 01 May 2013 16:23:13 +0000 en hourly 1 http://wordpress.org/?v=3.1.3 http://budgetsense.ca/2013/05/how-to-create-the-right-emergency-fund/ http://budgetsense.ca/2013/05/how-to-create-the-right-emergency-fund/#comments Wed, 01 May 2013 07:00:12 +0000 budgetsense http://budgetsense.ca/?p=601 How To Create the Right Emergency Fund By: guest author ‘Alicia Sanders‘ Unfortunately, we live in complicated financial times when lots of consumers complain that they don’t have an opportunity for saving money because their budget is really tough. Many Canadian consumers don’t have any savings and that’s why when an unexpected financial problem arises [...]]]> http://budgetsense.ca/2013/05/how-to-create-the-right-emergency-fund/feed/ 0 http://budgetsense.ca/2013/04/is-time-your-friend-or-enemy-on-the-path-to-saving-and-paying-off-debt/ http://budgetsense.ca/2013/04/is-time-your-friend-or-enemy-on-the-path-to-saving-and-paying-off-debt/#comments Sun, 28 Apr 2013 17:42:33 +0000 budgetsense http://budgetsense.ca/?p=591 Time is a very crucial concept when it comes to saving money and paying off debt. It could be your friend or enemy, depending on how much of it (time) you have. Generally and simply put, the more time you have, the more you are able to save money and pay off debt. Having said [...]]]> http://budgetsense.ca/2013/04/is-time-your-friend-or-enemy-on-the-path-to-saving-and-paying-off-debt/feed/ 0 http://budgetsense.ca/2012/12/make-2013-your-best-money-year-ever-with-this-simple-5-step-list/ http://budgetsense.ca/2012/12/make-2013-your-best-money-year-ever-with-this-simple-5-step-list/#comments Mon, 31 Dec 2012 16:35:48 +0000 budgetsense http://budgetsense.ca/?p=587 2013 is almost here and it is time to think about your finances for the new year and how to ensure they are in their best shape ever. With these simple steps and checklist, you can make it your best year ever. Most of these are things we have talked about extensively in the past, [...]]]> http://budgetsense.ca/2012/12/make-2013-your-best-money-year-ever-with-this-simple-5-step-list/feed/ 0 http://budgetsense.ca/2012/12/how-to-support-your-local-economy-this-christmas-season-buy-the-right-type-of-gift-cards/ http://budgetsense.ca/2012/12/how-to-support-your-local-economy-this-christmas-season-buy-the-right-type-of-gift-cards/#comments Thu, 20 Dec 2012 16:20:46 +0000 budgetsense http://budgetsense.ca/?p=576 A lot of us prefer to buy-and receive-gift cards this Christmas season than real gifts. They are good for a variety of reasons. They save time, give the receiver the option to spend it on things they like and more.  But when buying a gift card for friends and family this Christmas season, or for [...]]]> http://budgetsense.ca/2012/12/how-to-support-your-local-economy-this-christmas-season-buy-the-right-type-of-gift-cards/feed/ 0 http://budgetsense.ca/2012/11/did-jesus-intend-to-bankrupt-families-how-to-save-money-this-christmas/ http://budgetsense.ca/2012/11/did-jesus-intend-to-bankrupt-families-how-to-save-money-this-christmas/#comments Sun, 25 Nov 2012 21:32:59 +0000 budgetsense http://budgetsense.ca/?p=569 Don’t be surprised if the word ‘Christmas’ gets replaced with the word ‘Commercialism’ in the near future, because that is what it has unfortunately turned into. People feel so much financial stress and anxiety around Christmas time, trying to come up with money and gift ideas to buy for their close friends and family. And [...]]]> http://budgetsense.ca/2012/11/did-jesus-intend-to-bankrupt-families-how-to-save-money-this-christmas/feed/ 0 http://budgetsense.ca/2012/11/auto-insurance-saving-tips-and-strategies/ http://budgetsense.ca/2012/11/auto-insurance-saving-tips-and-strategies/#comments Thu, 22 Nov 2012 23:43:51 +0000 budgetsense http://budgetsense.ca/?p=556 Car insurance is a necessary expense, yet many people lack the coverage they need in an effort to get the cheapest rate. While the monthly premiums may be lower, the amount of coverage this allows in the event of an accident is limited. However, the quality of a policy does not have to be compromised [...]]]> http://budgetsense.ca/2012/11/auto-insurance-saving-tips-and-strategies/feed/ 1 http://budgetsense.ca/2012/11/our-new-family-motto-work-save-play/ http://budgetsense.ca/2012/11/our-new-family-motto-work-save-play/#comments Sat, 17 Nov 2012 23:37:48 +0000 budgetsense http://budgetsense.ca/?p=533 As a newly wed couple, me and the wife had to sit down (literally) and discuss a new family budget together. Each had a budget already, but now that we are married, it was time to coordinate and combine it into one. But being from two different schools of thought on budgeting and how to [...]]]> http://budgetsense.ca/2012/11/our-new-family-motto-work-save-play/feed/ 0 http://budgetsense.ca/2012/11/how-to-find-the-best-deals-for-computers/ http://budgetsense.ca/2012/11/how-to-find-the-best-deals-for-computers/#comments Tue, 06 Nov 2012 17:33:11 +0000 budgetsense http://budgetsense.ca/?p=547 People often wonder how to find the best deals for computers like Dell. It’s tricky, especially when there are so many different brands, uses, speeds etc. Decide what you need in a computer When you’re looking for a computer, the best thing you can do is to do a quick search on the Internet. Look for [...]]]> http://budgetsense.ca/2012/11/how-to-find-the-best-deals-for-computers/feed/ 0 http://budgetsense.ca/2012/10/why-it-makes-sense-for-me-to-buy-a-new-car/ http://budgetsense.ca/2012/10/why-it-makes-sense-for-me-to-buy-a-new-car/#comments Wed, 10 Oct 2012 16:11:33 +0000 budgetsense http://budgetsense.ca/?p=525 It is time to replace my aging 2006 Chevy Equinox, as it quickly approaches 300K in mileage!  I have done my research and narrowed it down to just two models (both are crossovers). And between these two, there is very little difference except for gas mileage. One of them has superior gas mileage, and with [...]]]> http://budgetsense.ca/2012/10/why-it-makes-sense-for-me-to-buy-a-new-car/feed/ 2 http://budgetsense.ca/2012/10/there-is-a-new-war-in-canada-the-war-on-gouging/ http://budgetsense.ca/2012/10/there-is-a-new-war-in-canada-the-war-on-gouging/#comments Thu, 04 Oct 2012 17:54:04 +0000 budgetsense http://budgetsense.ca/?p=518 Canadians have often been known for being polite, soft, apologetic, charitable  and generally friendly. But could these nice attributes be the very reason why Canadians are also such sloppy and not very wise consumers? Unlike their neighbors to the south, they let retailers and companies gouge and walk all over them, and not say or [...]]]> http://budgetsense.ca/2012/10/there-is-a-new-war-in-canada-the-war-on-gouging/feed/ 0