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Check out our latest blog posts…
Debt: The Nasty Little Gift That Keeps On Giving (& How To Get Out)
Debt is the nasty little gift that keeps on giving. Constantly growing and taunting you with interest and minimum payments.
Left unchecked debt can spiral out of control. The good news is that there are lots of different strategies to help you tackle your debt. Many people have been in the same situation and they’re now living debt free. It just takes some planning and dedication to get out of debt.
Debt elimination is possible. Put debt in its place by doing these three things…
Confessions of a Reverse Budgeter
There’s something I must confess, I like to budget backwards.
It’s not something I do on purpose. It’s just the way I like to do it. It just FEELS right. I am a reverse budgeter.
Most people budget the typical way. They add up all their expenses. They take their income and subtract this amount. Whatever’s left over goes into savings.
This never worked for me. I always did it backwards. Not on purpose, it just happened naturally that way.
I’d start with my income and first subtract savings. Then I’d subtract fixed expenses. Then the left over would be my spending money.
Factors That Could Affect The Size Of Your CPP
For most of us retirement is a long way off. That shouldn’t stop you from thinking about your retirement plan. Having a solid retirement plan usually means starting early. Having even a rough retirement plan in your 20’s and 30’s can help alleviate a lot of financial worry.
A big part of retirement planning revolves around government run retirement plans like CPP.
CPP stands for Canada Pension Plan and the goal of CPP is to replace around 25% of your income in retirement up to a maximum amount of $13,370/year.
There are many factors that could affect your CPP however. Being aware of these factors will help you create a good estimate of how much you need to save for retirement.