As 2025 comes to a close, it’s time to look back on the core principle that defined our financial journey this year: control. True financial freedom isn’t about limitless spending; it’s about the power to make deliberate choices with your money, free from stress, debt, and societal pressure. Over 52 articles – one every week-, we…
Who Really Deserves a Christmas Gift? That friendly crossing guard who helps your child get to school safely – does he deserve a Christmas gift? What about your condo’s security and mail team? Your coworkers? Your boss? Your barber? You get the idea. Throughout the year, you interact with many people – sometimes hundreds. So…
Having lived in our current house for nearly a quarter of a century, we’ve reached a point where we need a full-scale renovation. From top to bottom—starting with paint, tiles, flooring, windows, blinds, trims, bathrooms, kitchen—you name it, it likely needs renovation. If you find yourself in a similar situation, and assuming time and money…
As we close out the year, it’s time to reflect on the lessons that shaped my financial journey. Over the course of 52 weeks, I’ve uncovered practical, transformative insights—from boosting savings to mastering passive income. Here’s a roundup of the most valuable lessons that can help you level up your financial game in 2024. (also,…
The holidays are officially over, and it is time to get back to routine, work, school, saving money and paying off debt accumulated last few weeks. As we do every year, we spent December acting as personal charity with our time and money, giving to family and friends, helping those in need, attending parties and…
We covered a lot in 2023 – from budgeting and paying down debt to forming good financial habits, addressing inflation, discovering new ways to save, and much more. With so much valuable information throughout the year, it might be a lot to digest. If you missed our posts or prefer a quick crash course, we’ve…
Decluttering your home and selling unwanted stuff can be a win-win situation. Not only will you make some extra cash, but you will also create valuable space and eliminate the accumulation of unused junk
Setting new year resolutions can be fun and complicated for some at the same time. Make it simple by setting one main goal and stick to it no matter what.
If 2020 was defined by a pandemic and lock-down, and nothing else for you, you still have time to make 2021 better and more productive year. Start by set some goals or even short term objectives.
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…
There is no denying that we have officially-some time ago actually-entered an unchartered territory for Canadian real estate prices. Prices for houses and condos are through the roof. They are up some 10% in just the last 12 months which is quiet amazing! Some of these price increases are fueled by competition and price wars. Others…
You hear it all around you, cutbacks, austerity measures, new efficiency programs and other measures that are being implemented by companies and government worldwide. It is the new world we live in. World economies and finances are in the worst shape they have been in decades. It all started in 2008 with the US sub-prime…
Let me try and blend both the good news and bad news together: while Canadian (and North American in general) food prices will continue to go up in 2012, the increases won’t be as large as the ones we saw in 2011. According to an article in the Toronto Star: “University of Guelph economists predict…
Our blog is 1 year old! Thank you for helping us get here. So, what have we (the bloggers and our readers) learnt? lots of things. Most importantly, things that will make a difference in your personal finance matters and at the end of the day put more money in your pocket. Most importantly, a…
It is early November and we are now less than 2 months away from Christmas, which is about enough time to do all your Christmas shopping. But instead of putting it all on your credit card this year like you have often done, why not start budgeting and saving for it from now? you have…
We all have our life mistakes and regrets. That crush you had on that girl in high school which you now look at as a waste of time. How about that decision to not finish high school? But what about your biggest financial mistakes, the ones that you have regretted till this day? We all…
Are we about to be hit with another recession and a global economic slowdown? many signs are leading us to believe this may be imminent. Regardless of what happens, it is better to be ready for something that won’t happen than not be ready when something bad does happen. You would like to think that people…
Before, it was about common sense and conventional wisdom. Now, it is has been proven through real research. According to a study published in the Journal of Consumer Research, shoppers are less likely to spend their money if they are carrying cash in large denominations. There is even a name for this social phenomenon: ‘denomination…
Welcome to BudgetSense.ca! Unlock Your Financial Potential. Here is how! In a world where prices soar and wages struggle to keep up, mastering your finances has never been more crucial. We’re here to guide you through the art of smart budgeting and wise spending, ensuring you stay ahead of the curve. Our approach combines personal…