Tag Archives: Financial success

Ready To STOP Living Paycheck To Paycheck?


Don’t fall into the statistics that currently show 61% of the workforce in and around British Columbia living paycheck to paycheck.  If you’re curious as to how you would know if you fit into this criteria, let us explain a bit better.  Clearly, if you’re finding that you’re running out of income before your next paycheck rolls in, you’re in the above mentioned margin.  This can become suffocating, but there are ways you can stop this endless cycle of stress and worry too.  If you want to lose the doom and gloom attitude you have to change your current lifestyle habits.

We do understand how it can feel.  If you are one of the many in Canada living paycheck to paycheck, we understand that getting out of debt can feel almost impossible, but as we mentioned, it really is not.  There are many Canadians who have broken free from this cycle and are now living a healthier, happier life.  You can too!  We’ve discussed getting a hold of finances before–but we felt it was more practical to discuss how you manage your money.

When you do live this way you’re very limited as to what you can and can’t do and what you can even mentally cope with. For instance, Canadian families who are trapped in this way can’t plan ahead.  There is no way to really plan for an emergency, or even think about planning for a vacation.  There is simply no time to enjoy living–period.  So, those who want change want to know, what is the solution?  The first step is understanding there is a problem that has to be fixed.  For many, this is the hardest step of them all.

It’s Time To Recognize The Problem And Work On The Solution

Payday image

So, you’re ready to try to break away from this chaotic lifestyle, but not sure where, or how you should start.  What steps do you need to take to start making life simpler–easier, and happier?  Just one of the first things an individual can do to begin changing and improving their life is shaving away excess expenses.  While you might think there is no where to cut back, you’ll be amazed to find savings hiding right under your nose!  Putting your nose to that grindstone will help you to begin seeing some light, it’s a fact!  Just because conventional wisdom illustrates everything gets more expensive over time is no reason to live in a trapped lifestyle!  The following tips will help you begin on the right financial road!

Tip 1:  Start paying bills right upon arrival

Delaying paying your bills on time increases fees, especially those late fees!  Why not save that money and pay on time?  If you begin budgeting and planning appropriately you can!  This should be a first step goal for those wanting to stop the vicious paycheck to paycheck cycle.


Tip 2:  Work together, with your significant other

Many couples today share accounts, and more often than not, one doesn’t know what the other is doing financially.  It is time to start working together to plan and save.  Go over your bills together.  Go over what budget you can both live with monthly.  Split your spending and stick to that spending budget.  Both people should always be held accountable!

Tip 3:  Educate and learn some basic skills

If you could learn some basic plumbing, carpentry, home improvement–imagine how much you could cut back and save! You wouldn’t have to forsake quality materials either, because you’d be cutting out that expensive middle man! It’s a smart decision and one you’d be glad to have!

Put a cap on non-essential spending

Just because you have the money available doesn’t mean you should waste it, does it?  Putting a cap on monthly spending can save a potential $200 a month for most!  If you don’t need it, don’t get it!  Most people are discovering they become dissatisfied with spur of the moment purchases.  Save the money for something more useful!

stop the cycle

Break the living paycheck to paycheck cycle and streamline your finances!  You’ll be far happier and far more healthier if you do so today!



5 Simple Steps To Plan And Prepare For Your New Year Goals


Procrastination is never a good thing, yet so many Canadians do exactly this.  You don’t have to put off what you can do today!  You’ve heard it before, right?  Getting goals in order and debt in balance can help ease a financial adjustment for the coming year.  While New Years goals and resolutions might make you cringe inside, planning ahead can ensure a happier, healthier and financially sound New Year!

Remember, whether it is related to health, diet and fitness, or your financial future–these 5 basic steps will help you get started in the right direction without regret, avoidance, guilt, or any negative emotion at all. Don’t let a busy life keep you from staying on track and keeping goals in the forefront of your mind!  This happens too many times.  Now, if you’re finally ready to see your goals flourish, set your eyes on the prize and follow these simple steps to ensure your happiness and success into the New Year!

5 Steps To Guarantee You Meet Your New Year Goals


Have you started making plans for the New Year?  Do you know where you’d like to see yourself?  Before you get down to the nitty gritty and begin carving out future goals, you need to do a fact check–and be realistic with yourself.  Reviewing last year’s mistakes and educating yourself on where you made wrong decisions is wise.  This can help minimize those very same financial errors.  So, take account of the past and examine where you’ve been versus where you’d like to see yourself going. Whether the problems have arisen from your own procrastination, or your own misjudgments–you need to take heed and be accountable.  When you do this you’ll be able to progress in a positive manner, even reaching long-term goals!  Review the following 5 steps and try to implement these into your life if you want to finally cross the finish line to financial freedom!

Step 1:  Begin keeping up with monthly expenses and categorizing varying household expenses

You should start a plan by writing down every normal monthly bill and expense you might have–minus entertainment. It works better if you keep fixed cost items tallied so you know what to expect every month.  For those items that can vary, you need to keep track of these as well, but in a category where you can make necessary adjustments.  Once you begin to know what to expect–this is when you can begin to make the proper changes to live more securely.

Step 2:  Look back on the past and be ready to adjust to change

If you go back and review the previous year you’ll find your transgressions.  This is the smart thing to do before you simply pull out pen and paper and begin planning goals for the future.  Knowing your past mistakes and what led you to them makes a dramatic difference.  You can break the cycle and ensure your strategy for success stays intact all year long!  This applies to health and fitness goals as well as finances!  When you want to stay on track, looking at the past just might motivate you to succeed this New Year.


Step 3:  Discipline yourself to stick to a plan

This is the wisest tip you’ll ever get!  If you boggle yourself down and set to high of a bar, you’re setting yourself up for failure, but you have to discipline yourself too.  It’s a challenge when it comes down to changing bad habits, but you can do it. Now, everyone has their own technique when it comes down to disciplining oneself to follow through on an action.  You want this to have an impact you won’t forget, so make the consequences for a poor decision make sense.

Step 4:  Minor setbacks are natural; don’t ever give up

We all make mistakes and some setbacks are certainly normal.  Now, beating yourself up over something minor is foolish. The best thing you can do is to never to allow a resolution relapse force you to call it quits.  Jus remember, sometimes change takes just a bit of a struggle to adjust to it properly–it’s 100% normal!

Step 5:  Negotiate with others to see those New Year goals make it to fruition

Reign in the support for motivation and encouragement.  It is hard to stick to a path you feel you’re walking alone, so supporters are always welcome!  When you have that extra bit of pizazz you become more assertive and conscious of your decisions.  If you’re married, team work is critical to meeting your goals for the New Year; be they financial or health related. Remember, two heads are always better than one!  At the end of it all you’ll be able to do a happy dance and brag about your determination and success! 

Canadian Finances For New Years: What Will Make This Year Successful

Money savings

Happy Holidays and Happy New Year!  Though we haven’t entered 2016, it is now time to get ready to prepare for some New Year’s resolutions Canadians will stick with!  This blog might just be the one to hit home and make a difference in an individual’s mapped out goals for the year–you never know!  If you’re interested in trimming up your budget and making it extremely fit for the New Year (and all year) then this is going to be extremely beneficial for all Canadians across British Columbia and elsewhere.

The bottom line here is non-negotiable and is centered on establishing financial resolutions that will meet three top priority goals–building a savings, smarter spending and investing the smart way!  Don’t let these resolutions be like those common ones that come and go; it’s time to really get serious, so let’s now take a look at some of the best ways you can get this started properly for the New Year!

Making This Year’s Financial Budget Successful

Remember, let this New Year help you evolve into a new way of thinking!  The first step to success is to remove all of the negative thinking and replace this with positivism!  The belief in yourself and the determination to succeed could be traits that do propel you to meet and stick with those financial budget goals throughout the year!  Did you know that your relationship with your money is impacted by those in your life?  Did you also know that any emotional baggage your carrying around can sabotage your financial goals?

You see, it isn’t all about establishing a budget, it’s about your conscious decisions with money.  You want to be resolute this year in your financial decisions so you can finally get ahead.  So, the first step that is going to make this year different is changing your relationship with money!  Let these tips below make all the difference for you this year!  Don’t try to be a superman or superwoman, remember–we are all only human!


Constructive Tips To Keep This New Year’s Financial Resolutions In Place

Tip 1:  Take small baby steps…

Everything begins as a process, a conscious decision.  If you take on a heavy task too fast and too soon, you’ll fail.  If you go into money management misguided, you’ll fail.  You don’t want a relapse of past behavior.  Analyze every aspect of your finances, make conscious decisions and put forth a hearty effort to make a difference.  This is what you have to do to succeed!

Tip 2:  Don’t beat yourself up over small mistakes…

We all make mistakes, and regardless of what your financial goals are from here on out, no one is going to be perfect.  Don’t beat yourself up if you slip up here and there, it’s human to make an error.  Putting yourself down is the surefire way to give up and just begin old habits all over again.  Don’t let this be you!

Tip 3:  Don’t try to do it all alone…

Even if you don’t have a partner to advise you or give input, certainly you have people you’re close too who would be happy to give you a tip or two–that is if they appear to be on the right financial path themselves.  Trying to do everything on your own can become overwhelming and set you back.  Be willing to open up and ask for some help to keep you focused and steadfast.

Tip 4:  Take a free financial education course…

You can always take financial coaching courses online, or at your local community college in regards to improving your finances and understanding your financial goals.  This is great for a great many Canadians because it gives them a different viewpoint, from an outsider!  Sometimes you need this.  And you’re never too old to learn a few new tricks, are you?

Tip 5:  Always make sure you’re being accountable for your own actions…

Don’t pass the buck to someone, or on to something else.  We need to be held accountable for our own actions.  If you make a mistake, acknowledge that you do and pay attention to what might have been the cause of it.  Remember, focusing and being aware of your money and your decisions surrounding it are what help you change your attitude and mindset!  Accountability is one of the most important parts of becoming financially healthy!