Category Archives: Holiday Planning

Canadian Spring Break Budgeting Tips

As spring break creeps closer and closer there are more Canadians planning on getting away from it all. It’s traditional for most, and this is the time numerous Canadian families plan their vacations. For college students, the break is an alleviation from the chaos of college classes and other stress. For adult Canadians, it is a must needed break from the day to day hum-drum of the 9 to 5, but there are always considerations to be made before a trip like this. If you don’t properly plan it can certainly take some of the fun away. For instance, you want to make certain you’ve been budgeting and planning for a spring break trip for a few months before venturing off away from home!

Don’t forget to plan a strategic budget, and stick to it. You shouldn’t have to worry about paying for vacation on the day of. Save money and prepare way ahead of time if you’re truly going to enjoy yourself. This goes for anyone at any age. If you have to worry about money on vacation it’s really going to take the fun out of it. The following tips we are going to share should ensure you stay on track and every detail goes smoothly. The most important areas that Canadians should focus on (anyone going on Spring vacation from anywhere, really) are:

  • transportation
  • dining arrangements (eating out or cooking in)
  • what attractions are on the itinerary
  • how much shopping
  • what forms of entertainment
  • what kind of accommodations

Don’t be one of those who is seen scrambling for cash at the end of your vacation–that is bad and defeats the whole purpose of the getaway. The best thing to do is to plan to have a minimum of 5% of your funds remaining at the end of your vacation. It will greatly ease stress and clearly keep you prepared. You never know what unexpected expenses might arise, so stay on your toes. Now, let’s begin examine how to prepare for all of these areas previously mentioned.

Budgeting Tips To Ensure a Great Spring Break


Remember, to start, create and establish a budget. We said this in the beginning.  It’s a critical piece of the puzzle. Also, make sure that you include items such as: baggage charges, hotel taxes, taxis and more. Also, keep all of the following in mind:

  • You should always shop around and seek out the best deals and packages online. If you visit travel websites you might find discounts for car rentals and lodgings. Research is important so don’t just dive in. Review budget, price and plan around all of that.
  • Do a road trip for your spring vacation and save a ton of money. Some find this idea more fun and definitely more exciting. You’ll be able to visit more than one place and enjoy yourself far more. The goal is to not be limited by prices and more. You can have adventures you didn’t plan on and still save more money.
  • If you know exactly where you’re going and where you’re staying, call directly to try and get a reservation discount and other free services. Sometimes this pays off, rather than booking something online.

These tips ensure Canadian college students and families in general have a well mapped out spring vacation and are on top of all financial matters at the same time. Don’t go over-budget, and do get in some down time to regroup and enjoy your break away! Rest and relaxation is the most important part of a break. Sleep in. Walk leisurely, and just breathe!


Simple Steps For Surviving The Holiday Season

This is one of the most expensive times of the year and for so many it really hits the wallet hard. For those who don’t have as much as others–the anxiety and stress can be overwhelming. Just remember, the holidays aren’t always about gift giving. Money shouldn’t be an issue. The following tips can make a dramatic difference for Canadians this holiday season. If anything, many can find more comfort and peace rather than feel the burden of trying to gift give. So let’s take a look at some of these now and really start enjoying the season as we should!

Holiday Tips for Alleviating Financial Stress


  1.  Don’t purchase new clothes every holiday season, it is just a waste. Instead, go to a second hand shop where you can find gently worn name brand clothing at more affordable prices. Also, make sure you can carry what you purchase over into the year. You don’t want something you can only wear once.
  2. Pick and choose the holiday events you plan to attend. It is just unrealistic to think you can go to every party and corporate get together. That costs quite a bit. List what events matter most to you and choose only a select few from that list. In this respect you’ll walk away with a little money left in your pocket.
  3. Make a list of who you have to purchase gifts for. After that, start thinking about a budget, but think about an original gift idea too. You don’t have to spend a fortune to make someone happy. Think about what they enjoy the most then go from there.
  4. Stick to a budget and don’t waver. Don’t suddenly decide to buy an item not on your list just because you have the extra bills on hand to do so. Stay focused and always think practical too.
  5. Make sure that your friends and family’s expectations of you are also realistic. Be honest and tell your loved ones what you can afford and what you’d like to do within a budget. Even if they think you’re a Grinch, stick to your plans. Those who love you will appreciate your honesty and will be thankful for whatever you are willing (or can) give.
  6. Shop for deals and don’t be afraid to ask for bargains from vendors! This time of the year is one of the best for deep discounts. If you can get a lower rate on an item don’t be afraid to go for it!
  7. All in all make sure you relax and enjoy the holidays with those that matter the most to you!


After the holidays are over you’ll be able to look back with good memories and more relaxation too! You can avoid that holiday madness and still have a beautiful Christmas season with friends and family close.

Cyber Monday is Here

Cyber Monday is finally here and we thought we would help shoppers out just a bit. The bottom line here is to save money, right? Cyber Monday is right next to Black Friday and it was established so no shoppers would feel left out. Now, you are supposed to be choosy! Don’t fall into every deal you see until you compare it. Canadians shouldn’t impulse shop just because a cyber deal looks too good to be true! Visit other sites and see if there is better savings.

Some Canadians are just getting off work and coming online to do some shopping, so of course, they might be in more of a hurry since it is late in the afternoon. However, we encourage Canadian shoppers to take their time and really consider their wants and needs. This is supposed to be a way to get gifts for loved ones at a bargain too–let’s not forget that!

So, allow our below shopping tips help you out this marvelous Cyber Monday! You can avoid those consumer traps and come away with some real steals. Let’s take a look.

Cyber Monday is All About Consumer Savings–Pay Attention!


  1.  Begin your cyber Monday shopping by using Google! Check out where the best cyber deals are online! Also, remember, shopping online within Canada will save on International shipping rates, which is quite significant. So, be smart and don’t just pop on a site and spend. Pay attention!
  2. This Cyber Monday page will help you find the best sites to go to for raking in the savings! Yes, we took the hard-work out of your hands and did a little bit of digging on our own. You can still do some shopping research yourself, but we guarantee you the above online shops offer some sweet cyber discounts.
  3. In order to protect yourself and your online purchases make sure to print off your receipts and save them if there is a problem. This eliminates a lot of the hassle that often occurs with online shopping transactions. So, now that you have that peace of mind, you can shop with ease!
  4. Do a daily search and start cyber shopping early. Of course you can’t make purchases early but you’ll know exactly what you’re looking for when the fun begins!
  5. Just as with traditional shopping, always read the fine print! Many Canadian shoppers get a little check out shock online! Know what’s on sale and what items are going to have the best discounts. Don’t fall for the buy one get one free if it really isn’t a savings at all. It’s important to do your research and always, ALWAYS read that fine print.


Is Your Small Business Ready For The Holidays?

Preparing your small business for the holidays is of critical importance! It’s not something a small business owner should procrastinate about,and there are definitely reliable steps to ensuring everything falls into its rightful order. Any small retailer should want to hear the “cha-ching” of their cash register, so planning for upcoming holiday sales will definitely help. The right software can help small business owners properly plan and prepare without regret. While Black Friday is gone, this is just the beginning of the holiday shopping season. So, let’s go over some practical ways you can really build your small business and ensure you are definitely ready for the holidays!

Getting Ready For The Big Holiday Rush

Your small business can be ready for the holidays with proper preparation


Clearly, many retailers experience their largest sales between November and mid January. All retailers should always be ready for a huge rush of shoppers, especially those late shoppers. Staff should be trained well and teams should easily manage a rush, whether online or in traditional mortar locations. Now, friendly customer service is a definite must have too. The following below tips can really be beneficial to any and all small retail business owners. Don’t forget commerce websites should be looking great, have extreme user friendliness and leave no questions on how the purchase policies are implemented.

  1.  Don’t you think you should really promote the most authentic holiday shopping experience? Now, this is far easier to do online than offline. A holiday theme is simple to integrate and boosts the holiday spirit. For mortar locations, having promotions and freebies can help to boost sales and enhance the holiday season too. The goal is to get people to spend money!
  2. All small retailers should pay particular attention to their marketing approach. From using ads to creating holiday circulars and traditional flyers–small business people can get the word out easier than ever before! Be crafty and have authenticity from competitors though.
  3. You need to provide the smartest incentives! Shoppers start looking around for the best premium sales, discounts and freebies early on, so get your’s set up fast! The best plan is to get this done before Thanksgiving. What strategy will work for you when it comes to pulling in that high revenue? Be creative and really think about it.
  4. Send your repeat customers cards and fill them in on upcoming sales and freebies. If you’re going to be doing a buy one get one free offer, make sure it is something that is enticing! Send a holiday card with a brief message, just to make your customers feel special!
  5. Remember, after the holiday rush comes to an end you’ll want to keep up your momentum. Don’t let your dedicated shoppers down. It is important to stay on top of trends and offer items customers want. If you think of every day being a holiday you can beat out your competitors and keep your small business thriving!








What Money Lessons Have You Learned From Dear Old Dad?


Father’s Day is right around the corner so it only made sense to talk about the impact father’s have had in their children’s lives, specifically in how they have learned to manage money.  Now, fact, we learn a great deal from our parents and those closet to us, some good, some practical and some not so much. When it comes to finances, dad is often the key character most young adults have paid the closest attention to. Why?  Because father’s are the central providers of a family and carrying on that kind of ability really does mean something for today’s young adults.

We do feel it only fair to say many money lessons most of us have learned have stemmed from both mom and dad’s blunders and successes, right? Yes that is probably a fair analogy–but with Father’s Day approaching, it’s just nice to point to dear Dad to give him some rightful praise. Now, the majority of Canadian parents are more than aware that financial education is sorely lacking in the educational system, which is why many take it upon themselves to teach their kids the value of money.

Now, for those good old fathers who are from the Great Depression–you’ve probably had a great deal to teach your children, and hopefully it has paid off!  Let’s take a look now at some treasured and timeless financial tips passed on from generation to generation to ensure financial stability for a lifetime!

Financial Learning Tips From Fathers Who Lived Through The Great Depression

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Yes, you’re one of the lucky ones if you’ve been raised by a father who lived through this era.  Managing money was certainly critical day to day then, and it is just as critical now.  You’ll be amazed at how some of these tips really make practical sense and aren’t difficult to follow either.  So, let’s get started:

  1. Don’t waste or throw away good money–So, what does this really mean?  Exactly what it says.  You do get what you pay for.  If you buy cheap, or invest in something too good to be true, then you’re throwing away good money and it just isn’t practical.  Invest in something with value for the long-term, not just because it’s on sale.  The same philosophy applies to stocks and other investments.
  2. Become more self-reliant and think practical–Yes, being self-taught on a number of things can help you save money for the long-term.  From cleaning your own gutters to changing your car’s oil, to building your own home porch–it’s all about self reliance.  You can become empowered and stay ahead!
  3. Remember those little expenses add up–It might not seem like a big deal to get that Starbucks latte a couple times a week, or that artisan deli sandwich, but these little things add up quickly. If you’re constantly wondering where your money is going, it’s time to plug those holes. Even extra visits to the convenience store for gum or other non-essentials can suck money from your wallet.
  4. Saving and maximizing income are both important–There is too much thought that goes into making more money versus saving more money.  Both are extremely important. However, more need to plan for their future and start that nest egg for retirement.
  5. Keep a penny cent collection–Saving your change is a great way of getting in the habit to save. You’ll be amazed at what you might have put away at the end of a month. This doesn’t mean take out the coins either, but continue adding to them. At the end of the year you might have a record savings, something you never thought you might do, but under good old dad’s advisement–you’ll find you can!
  6. An income increase should not mean you spend more–Forget about keeping up with the Jones’s. This is the problem in this country. Don’t let you income increase give you an excuse to spend more than before. Save that extra money from that raise like your dad before you did and you’ll see how much easier getting what you want really becomes–without going into debt!

We hope Father’s everywhere enjoy today’s celebration and remember what they’ve been taught by their Father’s before them. You can achieve financial freedom and have life security when you follow timeless tips that work! It might seem hard, but adaption is natural. Happy Father’s Day!

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