• Pay yourself first

    The unsung hero of wealth creation: Pay  yourself  first.  One of the most powerful strategies for building wealth is to pay yourself first. What this means is taking your pay cheque and setting aside money for your future BEFORE you pay any bills. Of course, this can be difficult if you’re living from pay cheque

  • Total Costs – How much you can afford?

    The total costs of buying a house or condo goes beyond the price of the property.  The following is a list of the what you can expect to pay when you are buying a home.  Some lenders require that you to have from your own personal resources (i.e. savings) 1.5% of the purchase price to

  • Happy New Year …. With Christmas Debt?

      “Happy New Year” isn’t exactly what comes to mind when the credit card bills arrive and it’s time to pay up on all those Christmas Purchases.  According to a recent Bank of Montreal poll, 24% of Canadians who carry over a balance on their credit cards after Christmas said it would take them at