Goal Setting for 2019

Do you start your year with resolutions or goals? I normally do. I have learned over the years it is great to be as specific as you can when it comes if I want to get anywhere. When I am goal setting I look at my history, I also give myself breathing room and realize things can and do shift sometimes in an instant but it always better to go in with a plan and an idea. So how am I goal setting in 2019?

I have started with some good books, some inspiration from favourite podcasts and self-improvement leaders and I even have a coach/mentor. A good way to start the year, right?

As I started to write out my goals I also took a look back at a Strength Finders test I did in 2018. It definitely in bring clarity about what I am good at.

So as I approach 55 this year I have some real concrete goals and objectives that I need to see happen. I thought I would share them with you as a way of keeping myself accountable!

My goals for 2019

Financial Life

  1.  There are some major purchases and obligations this year. We are yet to give my dad a proper resting spot, my sister and I want this to be the priority for 2019.
  2. I will be getting a new bed. I am already on the hunt for this and hope to have one by the end of the month after breaking my old bed in late 2018.
  3. Rachel will get a new cell phone.
  4. A new laptop for Rachel is also a need but she will pay for this out of her college funds.
  5. I will restore my emergency fund that was depleted in 2018 as I looked for work, I went through these funds faster than I had wanted.

Career/Business

  1. I have a full-time gig with benefits, that is a blessing! With that said though, I am very underpaid for my skill set.  I will work on finding a new job.
  2.  Rebuild the CommonCentsMom community.   Make it about helping you more.
  3.  Share more about essential oils, something I have been learning about for 3 years now. Help at least 50 people use oils in a way that benefits them.

Relationships

  1.  Have fun with friends at least once a month.
  2. Go on at least 10 dates. I am not currently dating anyone special. I haven’t been in a very long time. I will get out of my comfort zone and date.
  3.  Have a mom/daughter night with Rachel at least once a week.

Fun

  1.  Go to Niagara Falls with Rachel
  2.  Take in at least 4 musical concerts or festivals!
  3. Go to the beach more often
  4. Take at least 4-day trips to explore more of Ontario with Rachel.
  5. Canada’s Wonderland seasons pass. Looking forward to the Halloween Haunt and Winterfest.

Health

  1.   Walk 6x a week.
  2.  Drink more water– at least 4 glasses a day.
  3.  Make appointments for my colonoscopy and mammogram.
  4.  Go to the dentist
  5.  Eat a vegan meal at least once a week
  6.  Eat a meatless meal at least once a week.
  7. Participate in a half marathon in the fall.

Personal Goals

  1. Read 12 good books that can help me grow.  I started with Becoming and now reading The Success Principles.
  2. Read 12 novels just for enjoyment.
  3. Get back into scrapbooking.
  4. Do more family history research, a renewed passion in 2018.
  5. Go for more photo walks. I loved birding and exploring my city in 2018.
  6.  Cook 10 new recipes.
  7.  Go to Nova Scotia on vacation to see family.

Blog Goals

  1.  Grow the CommonCentsMom brand in a way that is genuine and real. In a way that helps families with their day to day lives.
  2.  Partner with brands that I love only.
  3.  Share more useful info on how to save to money, how to earn money and I also want to talk about preparing the future.

If you are a goal setter like me, would love to know what goals you are setting for 2019!

 

Goodbye 2018, Hello 2019

It’s early on January and I am thankful for a new year and new opportunities. I love the crispness of a new dawn, the hope it brings. Last night it felt good to say goodbye to 2018 and hello to 2019! I have to admit 2018 challenged me. It was a hard year.  Personally, I struggled in many ways as I came to terms with job loss. No one tells you that job hunting is different in your fifties. It is hard! I also struggled with depression and I battled to find my way. I am looking forward to 2019 and going forward in faith.

Goodbye 2018

In some ways, I struggled as I looked for a full-time gig. I sent out resume after resume with meager results. Since I am no longer the parent of a teen blog campaigns were also harder to come by. I was very thankful for one part-time social media client.  It humbled me.  I said goodbye to partnerships with Flipp, Church and Dwight and Netflix. All of these had been multiple year partnerships so it was hard to see them go.

I was thankful for partnerships with Turbo Tax, Quber, Tangerine, State Farm, Oral-B, and Desjardins and my work with them. I was glad that these partnerships provided ways for me to share with my readers and followers some great tips, a new app, talk about money and talk about insurance. I look forward to working with brands that allow me to share with you my readers about things that matter.

One of the best things that happened was getting to see so much music live! From seeing Pink up close to enjoying Shania Twain, Keith Urban and saying goodbye to Massey Hall here in Toronto, I had some amazing nights out. Music inspired me and moved me forward all year long.

I learned much from listening to small business leaders and speakers as I attended several events. I asked Gary Vee a question about reinventing myself, I learned how to pitch a business idea at the Fireside Conference, and learned more about essential oils and network marketing in a room filled with women who wanted to learn and grow. I then attended Blissdom Canada, a social media conference, and was able to reconnect with friends and learn from some of the new leaders in the social space.

It definitely was a year with ups and downs! As I talked to friends, many like me had hard years. That is ok, life is not always easy. By mid-December, I was ready for the year to be done.

Hello 2019

As I look forward, I am excited as I am moving forward in faith. Faith is the word that will guide my 2019. What do I have planned?

Going forward I really want to help you my community. I want to be a resource for you. As I rebuild Common Cents Mom, I will be sharing money tips each Monday. I will share what I am learning, what I am reading and hopefully bringing you some great money conversations.

I finally found a working gig in the summer of 2018 but I want to find something better in 2019.

I am also working on my health once again. I am sick and tired of being sick and tired. I so need to work on my emotional and physical health. With this in mind, I am with also be sharing what I am doing to take care of me.

If you know me or follow me on social media, you know I love essential oils. I first started using them a few years ago. As I learn more, I will be sharing more about essential oils and how I am earning money selling them.

As for my work with brands, as I open this year I will be selective and I am learning it is okay to say no and even cut brands out of your life when it a relationship you have outgrown or one that isn’t the best for your or your audience.  I will share in real ways. I may share more affiliate links instead of going after brand relationships. These links will be to items and brands that can help you, my readers.  I want to share my life in ways that are real and authentic.

So tell me as you move into 2019, what are you saying goodbye too and what are your goals for 2019? What leaps are you wanting to take?

 

 

 

 

 

How to keep your new years resolutions

New Year’s Resolutions – How to Keep Them

Yet another year is coming to an end, signifying a fresh start to a hopefully wonderful new year. The coming new year inspires many to start setting new year’s resolutions. The truth is though, while many set resolutions each year, not many stick to them. In fact, many new years resolutions end up broken within hours, days or weeks. The average resolution lasts less than the 21 days it takes to form a habit.

If you are one of those people that can’t seem to stick to their resolutions each year, it’s not as hard as you may think. There are many ways you can set yourself on the path of new years resolution success.

How to keep your new years resolutions
new years resolutions

Take Small Steps

You will be more likely to achieve your new years’ resolutions if you start small. Making big changes all at once will only lead to failure. The truth of the matter is, setting small resolutions with outlined steps are far more likely to be achieved.

One Thing at a Time

Just as it takes time to develop unhealthy habits, it will take time to break them. Don’t overwhelm yourself thinking that you must change all your bad habits at once. Instead, work toward changing one thing at a time.

Talk it Out

Consider joining a support group that will help you to achieve your goals. From workout classes to group therapy, having likeminded individuals to share your successes and setbacks with, will make achieving your new years’ resolutions less intimidating and more achievable.

Don’t be Hard on Yourself

Minor mishaps and mistakes when reaching your goals are incredibly normal. Don’t give up on your new year’s resolutions because of one bad choice or set back. Everyone has their ups and downs and achieving perfection is unattainable. Instead of reacting and giving up because of your mistakes, get back on track and recover.

Help Yourself Stay Focused

Helping yourself to stay focused on your new years’ resolutions is important to achieving them. Have something that reminds you of your goals daily right in front of you. Whether that means hanging a photo on your bathroom mirror or putting a sticker on your debit or credit card, if you remind yourself to stay on track daily, you are more likely to achieve your resolutions this year.

When setting your new years resolutions this year, make sure to start small. Focus on taking small steps and achieving one goal at a time. Having support is also a fantastic way to empower yourself to work towards your resolutions so talking about them to someone can provide you guidance and help to achieve them. Just remember, don’t be so hard on yourself when you make a mistake, no one is perfect. Just stay focused and in no time, you will have achieved all your new years’ resolutions.

Boxing Day Sales Tips

5 Ways to Get the Best Boxing Day Sales

It is early Christmas morning here and the presents are under the tree and the stockings are hung with care and Christmas morning is eagerly anticipated. With that said we are also looking forward to the day after Christmas, Boxing Day brings many a deal. It is one of the best days to buy so many things. So how can you get the best Boxing Day sales? I have a number of tips that will help you score the best deals.

Shop with a List

This is always my first tip when it comes with looking for deals. Know what you want and need. Sometimes we can get caught up in the wandering of the mall and well come home with a pile of stuff that we don’t really need just because it was a great deal. If you don’t need it, it’s not a great deal no matter the price. Be smart about your purchases.

Know your prices

Do you know what the normal price is? How much are you really saving? Could you buy the item second hand and save even more? If it is something that will drop in value in six months you may want to consider the second-hand economy instead of retail.

Make technology your friend

If you are hitting the mall apps are your best friend.  Everyone who knows me I love to find the best deals. I do so most of the time by opening my Flipp App. I can make my list on the app and as I do it will show me where I can find the best deals that day. It even has a Boxing Day section so you can check out all the flyers or circulars.

Look Beyond Canada

Just a heads up, the United States does not celebrate Boxing Day but it is a great day to find deals south of the border. Check out some of your favourite American retailers but don’t forget to take into consideration the exchange rate, shipping and duties as you look at that price.

Shop Online and Get Cash Back

If I am shopping online I often will use the portal site, Ebates Canada. Ebates gives you a percentage in cash back every quarter. The rate will vary from 2% and up. This Boxing Week I am seeing cash back rebates of 5-8% at many of my favourite online retailers like Amazon.ca, Old Navy, Joe Fresh, Hudsons Bay and Shoppers Drug Mart. ( Please note if you sign up using my link, I do get a small referral bonus).

By using these tips you can be mindful as you shop on Boxing Day and every day.

 

How to Avoid Last Second Christmas Shopping

How to Avoid Last Second Christmas Shopping

Christmas shopping can be complicated enough without having to squeeze it all in last second. You know, do you really want to be in the stores in December 23rd and 24th? Between busy stores, empty shelves and long lineups, last second Christmas shopping is not something people look forward to, yet many find themselves in a similar situation over the holidays.

The truth is, leaving your Christmas shopping to the last second only causes you undue stress. Rather than waiting it out, there are some steps you can take to avoid last second Christmas shopping.

Christmas Tree and Christmas gift boxes in the interior with a fireplace

Make Lists

Planning things through creating lists greatly reduces the amount of unnecessary stress you may feel when it comes to Christmas shopping. Having lists ready will make sure that you don’t forget to add anyone you plan on purchasing a gift for, leaving you to run out on Christmas eve when you realize your mistake. Carefully construct a list of those you will be buying for this year and brainstorm ideas for their gifts. This will keep you on task as you check things on the list off, completing tasks as they come.

Shop in Advance

It is almost never too early to start shopping for the holidays. The earlier you start the better. In fact, stating your Christmas shopping early is a great way to save money this holiday season as well. Take advantage of all the boxing day discounts and sales, giving you’re the chance to purchase gifts at a discount and have them ready for the holidays, reducing the need to run out last second.

Shop Online

Shopping online can help you to avoid the long lines at the stores, allowing you to shop from the comfort of your home. Online shopping is a great way to get your Christmas shopping done early, knowing exactly when your gits will arrive at your home. In fact, some online stores offer gift wrapping for a small fee, allowing you to ship your purchased gift directly to the recipient. Being ahead of the game in this manner will allow you to check things off your list rather quickly, without having to go last second Christmas shopping.

Pre-Order Christmas Treats

Don’t leave your Christmas baking and cooking to the last second. After all, you know what you are going to require well in advance. Why not place your orders for Christmas treats, your turkey and more as soon as possible? This will make sure that you have everything you need without having to run out the door to grab last second Christmas cookies.

It is important to avoid last second Christmas shopping as not only can it be stressful and time-consuming, but it can also end up costing you more money. Plan things carefully, making lists for everything you must do, shop in advance, take advantage of online retailers and pre-order your Christmas goodies as soon as you can. Preparing for the holidays is a great way to avoid those long Christmas eve lines in the stores.

Get the Oral-B Genius 9600 this Holiday Season

Can you believe it is almost Black Friday?! Is it time to start thinking about your shopping list? Who do you have to buy for this year? What kind of gifts are you buying them? I love practical gifts and a new toothbrush is a practical gift. Which one am I talking about?

toothbrush
The Oral-B Genius 9600 would be the perfect gift under any tree.

The new Oral-B Genius 9600. It is a great practical gift, but with all of its advanced technology, you are not only gifting practicality, but also luxury!

This toothbrush is so advanced, it has the ability to assist in one of the daily tasks some of us are weak at – brushing your teeth! Luckily, the Oral-B Genius 9600 brings technology to the teeth brushing experience to guide us through our journey.

I have to admit, when Oral-B asked me to participate in this campaign, I was a bit hesitant. I have written about my sensitive teeth here before. I have a compacted mouth, and well, brushing my teeth is a chore. But I was wrong to be hesitant.

What is special about this toothbrush?

First, the Oral-B App which works on Android and iOS is the star of the show. It helps you brush your teeth better by guiding you through a personalized brushing journey and helps you care for your gums and enamel with a gentle clean.

The Smart Ring sensor even changes from blue to red when you brush too hard. For someone like me who has sensitivity, it is a wonderful reminder to treat my gums and teeth well.

Use the Oral-B app to pair with your toothbrush and you’ll be brushing your teeth more efficiently in no time. The Gum Guard technology helps you find ways you can improve your brushing by identifying risk areas based on your brushing behaviours. Think of it as a tooth brushing coach.

For those of you like me with sensitive teeth, you can use a variety of modes and pressure control for a totally custom brushing experience. You will love the 6 modes, there is something for everyone even the super sensitive like me.

What do you get?

* The handle with a 2-week battery life

* A smart travel case

* 3 brush heads

* Smartphone holder

* Charging Station Charger

Where to buy it this Black Friday/Cyber Monday?

You can find the Oral-B Genius 9600 in Black on Amazon.ca. If you are like me and are Black Friday/Cyber Monday shopping from the comfort of your sofa, be sure to check out Amazon.ca for a great offer on the toothbrush, and purchase the practical yet luxurious gift you need to check off for a friend or family member on your list.

Save as much as 50% off on Oral-B’s best electric toothbrushes on Amazon.ca

Black Friday tip: If you’re headed to the stores to shop for any items on your list, remember to use the Flipp app to find the best deal – many retailers don’t price match on Black Friday.

Are you an Amazon Prime member like me? Shipping is free. Not an Amazon Prime member? You can try it out for free for 30 days. As well they now have a monthly subscription that you can cancel at any time.

Let me know what you are shopping for this Black Friday and Cyber Monday. I already have one item off my list!

Are You Headed Towards Bankruptcy or Is There a Better Way? #FLM2018

With interest rates rising in Canada, with apartment rental rates skyrocketing in Toronto, many of us are taking on more and more debt. Less saving is getting done.  More and more Canadians are spending on things that don’t really matter. Are you headed towards bankruptcy or is there a better way?

Sometimes you need to look at the numbers

In this world of hustle and bustle, where many of us have a full-time gig and at least one side hustle to pay the bills many Canadians have no balance in their lives.  We are eating out more. Grabbing more coffees in cafes. Did you know the average Canadian family spends $300 on eating out or on take out? How much are you spending and could it make a difference in reaching your long-term goals? Are you able to reach for your dreams?

A number of years ago, I had racked up a huge sum of consumer debt. I declared bankruptcy. I am asking a hard question. Are the spending choices you make today leading you are towards bankruptcy?  Are you one step away?

Take a hard look at where you are spending. Have you ever tracked your daily spends for a month? It can be an eye-opening experience. Simply write down every penny you spend for a month. It may lead you to make some changes.

Invest in Your Financial Well Being

Sow seeds that will make you money smart.

Many years ago I started Common Cents Mom as a place where my readers could come and get smarter about money. I even started the very first personal finance chat in Canada. Now there are many resources. One of my favourite resources, one that helps everyday Canadians is actually put out by the federal government.

If you want to get a handle on your spending habits, learn more about money, use a budget calculator perhaps for the very first time, learn about the differences between a TFSA and a RRSP, and learn about your rights and obligations when it comes to financial institutions, this site gives you the resources that you need.

This week the theme is all about good habits, one of the best habits you can have when it comes to financial literacy is to have a budget and stick with it. It is a foundation ground that you can build on. Financial literacy is important not only for your well being for that of your family and the economy. The more we know the more we can invest in our futures.

Eight years ago, I started talking about financial literacy. I talked about my bankruptcy and through the #Cdnmoney chat encouraged Canadians to get money smart. That is still my goal. I was proud to participate in the first Finacial Literacy Month in 2012 and every year especially in November, I share ways for you to get money smart.

We all need to understand this financial ecosystem and how even our little spending choices can make a difference.

Let me know if you are participating and watching for the #FLM2018 hashtag and what you are learning.

 

 

Get You Car Winter Ready and Win FREE Gas for a Year with Desjardins Insurance #GetaQuoteandWin

*This is a sponsored post, meaning I have partnered with Desjardins Insurance to share their giveaway. The content and opinions shared here though are mine

 

You can feel it in the air! Winter is around the corner and with it comes so much prep work especially if you are a Canadian driver.  I remember prepping my first car for its first winter and mine as a newly minted driver. I would be taking the car from our rural home on Nutby mountain to the town of Truro not so many miles away, but with winter, you had to be ready for anything. Ever since then I have known the importance of preparing your car for winter road trips. For me, it all starts with ensuring my car is ready and having great insurance.

So how does one ensure their vehicle is ready for a Canadian winter?

  • Winter tires. For me, I remember driving on black ice. It is no fun and can lead to an accident if you don’t know what you are doing. Snow tires give you that bit of grip you need. November is the perfect time to get this changeover done.
  • Get a tune-up. As a driver, I always got my car tuned up and topped up at the beginning of winter. Oil change is done, windshield fluid and all the basics were in place.
  • Have an emergency kit packed in your car. What should it include for a Canadian winter?  Check out this list:   
  • As well we travel with a cell phone in the car and even a charging cord that plugs into the charger just in case.
  • Ensure you have the proper insurance. You want to have a quality plan in place.

Insurance should not be the last stop, as you prepare for winter though. It should be your first. Why? As one who has been in an accident, they happen when you least expect.

For me, it was when I was driving my young daughter home from school. Thankfully, there were no injuries but there was damage. Since we had a great plan in place it brought peace of mind to a difficult situation. I was definitely happy to know that everything would be taken care of and it was.

I  have always known the importance of great insurance. It matters in every area of your life.  Time and time again experience has taught me that.

From auto insurance to home insurance, business insurance to life products, Desjardins Insurance has you covered.  Remember that auto accident I mentioned? I was a State Farm customer at the time. Recently State Farm Canada became Desjardins Insurance.  They took great care of me.

Win Free Gas for a Year with Desjardins Insurance

 

Now, for a limited time, you could enter to win FREE GAS for a year when you complete an online quote. It’s quick and easy – and you can see just how much you can save with a Desjardins Agent.

To Enter you must:

  1. Visit WinFreeGasWithDesjardinsAgents.com
  2. Click “Get a Quote” and complete the form.

This contest closes December 17th, 2018 at 11:59am EST. This contest is open to Alberta, Ontario and New Brunswick residents only. No purchase necessary. See full Contest Rules.

 

 

 

 

 

 

 

 

 

10 Tips to Save Money This Holiday Season

The holiday season is the time for giving, love and friendship. Not only that, but it is also the largest shopping time of the year. From Black Friday through to Christmas Eve, there are sales, extended store hours and internet stores opened to meet the high demands of their consumers.

Let’s face it. The Holiday season can get expensive. Rather than putting yourself in debt or flattening your wallet this year, it is a good idea to take measure to save money this holiday season.

How to Save Money this Holiday Season

1. Have a Budget in Place

Before you set off on your holiday shopping spree, it is a good idea to ensure that you have a budget in place. This can help you to avoid overspending.

2. Make Lists

Once you have determined your budget and what you can spend, create a list of those you will be giving gifts to this year, organizing them by the amount of money you will be spending on each person. Having a list, will make sure that you don’t go over budget, keep you accountable and help you to make sure you have everything organized prior to the season of gift giving.

3. Compare Prices

Always make a point to compare prices prior to setting off on your holiday shopping adventure. Make sure that where you intend to purchase a specific gift from, is the cheapest location. There are many apps designed to help you compare prices, print coupons and even reap the benefits of any memberships you have, so remember to always shop around.

4. Don’t Buy on Impulse

Never purchase a big-ticket item impulsively because you may think it’s a great deal. With your emotions high and the spirit of the season consuming you, it is easy to make quick decisions that leave you feeling as though you are drowning in debt. Sleep on it, comparison shop and make sure you can afford it prior to just jumping in head first.

5. Store Receipts

Always store your receipts until after the holiday season. This will help to ensure that you get your money back if there is anything wrong with the item purchased and sometimes if you purchase something at full price and see that it goes on sale at a much bigger discount, you can return the item and get it for the cheaper price.

6. Buy Early

The lowest prices are often found far before the seasonal sales take place. Making sure to go shopping early in the year for presents for the holidays is a great way to take advantage of sales, plan and avoid overspending. In fact, some of the best deals take place after the seasonal sales have ended, so the earlier in the year you start your holiday shopping, the better.

7. Opt for Secret Santa

Rather than individually purchasing gits for every one of your friends and family members, opt for secret Santa gift giving. This makes sure that everyone receives a gift, without everyone having to go overboard with their spending.

8. Visit the Dollar store

Your local discount or dollar store is a fantastic place to visit when doing your holiday shopping. This is because items like wrapping paper, tape, bows and gift tags are generally inexpensive, allowing you to nicely wrap your gifts without breaking the bank.

9. Keep it Simple

Holiday shopping doesn’t have to be complicated. Keep the gifts your purchase simple and straightforward. If you have a lot of people on your list, simple gift cards can go a long way and are an inexpensive way to ensure that its recipient can purchase something they are actually going to use.

10. Know When to Stop

When you have completed your list, it’s time to stop shopping. Avoid mall trips just to browse as this can lead to purchases you didn’t intend to make. Once your list is completed, so is your holiday shopping.

There are many ways to save money this holiday season. It is important to pay attention to details, don’t overspend and know when to stop. The holidays are supposed to be fun and exciting and it’s the thought that counts not the amount.

It’s Financial Literacy Month and Its Time to Talk Finances with Tangerine. #FLM2018

November is Financial Literacy Month (FLM). Perhaps you have seen tweets with the #FLM2018 or #FLM in my social feed. The topic of financial literacy has always been important to me. It is the reason I started Common Cents Mom.

In Canada, the  Financial Literacy Leader is the Financial Consumer Agency of Canada (FCAC). They coordinate the organizations from the private, public and non-profit sectors to strengthen the financial literacy of Canadians.  Their mandate is to make Canadians financially literate aka money smart.

Program Theme

This year’s theme is “Invest in your financial well-being”. The goal is to encourage Canadians to take control of their finances and reduce financial stress by making a budget, having a savings and debt reduction plan, and understanding their financial rights and responsibilities.  For years I talk about these topics during the #cdnmoney chats.  I am thrilled that there has been a whole month dedicated to helping Canadians take control.

Now this month, I have partnered with Tangerine Bank, who are bringing those important money conversations to Twitter with not one but 2 Twitter parties this month. Circle your calendar for both!

To participate in this one use the hashtag #RetirementPlanning!

 

Retirement Planning Twitter Party

  • You need to start preparing today so that you will have enough money to spend during retirement. To participate in this one use the hashtag #RetirementPlanning!

 

Date: November 15, 2018 at 8:00pm ET
Host: @TangerineBank
Guest: Caroline Cakebread @CCakebread, Pension Expert
NO RSVP | $500 in Prizing | Anyone can participate but only Canadians excluding those in the province of Quebec can win prizes

Caroline Cakebread is a pension expert who has researched and written about retirement security and financial literacy for nearly two decades. She’s been a personal finance columnist for Chatelaine and the Toronto Star and is the author of Back From the Brink. She is a contributor on the Tangerine blog https://bit.ly/2qAGIoG.

If you are wondering how much you should save by age 40, you should read this blog post https://bit.ly/2PJqeJa by Caroline Cakebread.

You might think that the Canada Pension Plan (CPP) is an actual “pension plan” – after all, that’s what it’s called. But if you’re relying on government benefits like the CPP to fund your retirement, then you probably need to rethink that plan. Caroline Cakebread explains in this blog post. https://bit.ly/2RHRLYG

 

Control of Your Finances Twitter Party

  • Start investing now so that your money works harder for you. Use the hashtag #ControlYourFinances for this party.

 

Control Your Finances Twitter Party
Date: November 26, 2018 at 8:00pm ET
Host: @TangerineBank
Guest: @RobinTaub, Financial Literacy Advocate
NO RSVP | $500 in Prizing | Anyone can participate but only Canadians excluding those in the province of Quebec can win prizes

Robin Taub is a chartered professional accountant (CPA, CA) and currently works as a financial literacy consultant, speaker and blogger. She is also the best-selling author of A Parent’s Guide to Raising Money-Smart Kids. She is a contributor on the Tangerine blog. https://bit.ly/2QyGLMU

Interest rates are rising. If you have credit card debt, a line of credit or a mortgage, higher interest rates mean you’ll be paying more to service your debt. It may also take longer for you to pay off your loans. Robin Taub shares why it is time to take control of your finances. https://bit.ly/2PJ03Ch

Financial literacy is being talked about and shared all month long so watch the hashtag and jump into the conversation.

*this post is paid for and sponsored by Tangerine Bank. I have partnered with them many times over the last number of years and am happy to share these important parties with you, my readers.