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This Financial Tool Could Either Ruin Your Life or Make It Great—It All Depends on How You Use It

Posted on May 11, 2025May 10, 2025 by budgetsense

As I stood in the express checkout line at Walmart the other day, tapping my card and quickly making my way out, it hit me. Credit cards have made life a lot easier, more convenient, and even more enjoyable. You can buy what you want—even when you don’t have cash on hand—and delay payment until…

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Building Resiliency and Guardrails into your Credit Card Usage to Prevent Overspending

Posted on May 4, 2025May 2, 2025 by budgetsense

So you finally did it: after years of diligently and painstakingly paying to reduce your $15,000+ credit card balance, you have finally done it. To say that the weight lifted off your back is huge is an understatement! There is only one problem: this balance was incurred after having already paid a similar balance a…

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Is Wealthsimple Worth It? A Full Guide to Canada’s Leading Online Financial Platform

Posted on April 27, 2025April 26, 2025 by budgetsense

For over 150 years, Canadians have been using one of the big 5 banks to do their banking, be it personal banking, mortgages or investments. But in the last 20 years, others have joined the lucrative banking and investment arena, most in the form of online banking, with no physical presence. Wealthsimple is one of…

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Easter’s Supposed to Be Simple—So Why Did It Cost Me Hundreds More Than Christmas?

Posted on April 20, 2025April 23, 2025 by budgetsense

Easter may not garner the same fanfare as Christmas—often seen as its overlooked sibling—but it still brings the joy of the Easter Bunny, colorful eggs, and cherished traditions that make the season special. But unless I accidentally bought literal golden eggs, I still can’t quite wrap my head around how my Easter shopping — mostly…

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How to Benefit from Market Crashes: The Secret to Long-Term Wealth

Posted on April 13, 2025April 9, 2025 by budgetsense

Few things in life are guaranteed: death, taxes (in most places), experiencing all four seasons (again, in most places), and the stock market crashing every few years. We are currently in one of those cycles—this time, driven by the Trump tariffs. The market is experiencing wild swings, mostly trending downward, occasionally interrupted by brief upswings—often…

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Master These 10 Behaviors to Join the Top 10% of High Achievers (Most People Miss #7!)

Posted on April 6, 2025April 18, 2025 by budgetsense

Understanding and mastering key human behaviors can significantly impact your success in life, career, and relationships. While there may be a lot of them to master, here are ten essential behaviors to focus on, if you want to elevate your game and be in the top 10% of most successful. 1-Consistency and Perseverance: Success often…

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Why Your Insurance Premiums Are Rising – And What You Can Do About It

Posted on March 30, 2025March 29, 2025 by budgetsense

Last year, I took the time to look for a better and more affordable home and auto insurance, even though the cost of my existing insurance was average and not too expensive. With a home and more than one car to insure, I set out to shop around and try to get something at least…

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Tariffs, Layoffs, and Recession: What You Can Do to Stay Financially Strong

Posted on March 23, 2025March 21, 2025 by budgetsense

Do we ever get a break? Just as talk of a recession started to subside, now we’re faced with worries about mass layoffs happening all around us. And if that wasn’t enough, here comes Trump with his inconsistent messaging and constant tariff threats. Can anyone blame us for feeling overwhelmed by all this chaos? But…

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Financial Stability in Turbulent Times: Are You Ready?

Posted on March 16, 2025March 18, 2025 by budgetsense

Recently, life got chaotic—to put it mildly. Different family members got sick, some were hospitalized—more than once—and almost everything that could go wrong did go wrong. In other words, it felt like Murphy’s Law was in full effect. When life goes sideways like this, the last thing on your mind is money, finances, or whether…

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Should you Take the Lazy Approach to Investing and Go all in with ETFs?

Posted on March 9, 2025March 13, 2025 by budgetsense

Is it just me, or have mutual funds become virtually irrelevant and rarely talked about of least? At least to veteran, seasoned or those in the FIRE movement. To fill the void, ETFs have become all the rage in the world of investing. Exchange Traded Funds (ETFs) are similar to mutual funds, but the big…

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Recent Posts

  • This Financial Tool Could Either Ruin Your Life or Make It Great—It All Depends on How You Use It May 11, 2025
  • Building Resiliency and Guardrails into your Credit Card Usage to Prevent Overspending May 4, 2025
  • Is Wealthsimple Worth It? A Full Guide to Canada’s Leading Online Financial Platform April 27, 2025
  • Easter’s Supposed to Be Simple—So Why Did It Cost Me Hundreds More Than Christmas? April 20, 2025
  • How to Benefit from Market Crashes: The Secret to Long-Term Wealth April 13, 2025
  • Master These 10 Behaviors to Join the Top 10% of High Achievers (Most People Miss #7!) April 6, 2025
  • Why Your Insurance Premiums Are Rising – And What You Can Do About It March 30, 2025

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