What You Should Have in Your Car Emergency Kit During the Winter?

car emergency

As the weather grows colder and the snow starts to pile higher, it’s important to make sure you keep yourself as safe as possible while out on the road. So what can you do protect yourself in case of a car emergency?

Beyond abiding by traffic laws and ensuring that your car is regularly maintained,  most of what you can do to protect yourself from the elements comes from being proactive. That’s why we want to help you ensure you’ve got all the necessary tools with you at all times to keep yourself safe.

Continue reading “What You Should Have in Your Car Emergency Kit During the Winter?”

How to Space out Your Christmas Shopping (Yes, We Know it’s Halloween)

christmas shopping

The leaves outside are changing colours, jack o’lanterns sit on every porch, and kids dressed up in wacky costumes are parading through the streets. Yes, it’s finally October 31st. Which in our opinion, is the perfect time to start talking about Christmas shopping.

Yes, you read that right. While it might seem counterintuitive to start talking about a completely different holiday on Halloween, we think our reasoning is pretty solid: just living day to day on a budget is hard enough and it only becomes more stressful and difficult to manage when you throw in shopping for Christmas (or Hanukkah, of course) presents.

That’s why it’s important to plan ahead and start looking for gifts earlier as opposed to later. Here are some of our tips to help you conquer your Christmas shopping this year without digging yourself deeper into a debt hole.

Continue reading “How to Space out Your Christmas Shopping (Yes, We Know it’s Halloween)”

Crash Course on Back To School Budgeting

school budgeting

Most university and college students have been back in class for a few weeks now and no matter how optimistic they might have been at the start of the school year, it’s likely they’re already starting to feel the constraints of school budgeting.

Even if you have a job during the school year, there’s no way to work as many hours as you would during the summer and that – combined with the drastically increased costs that come with having to pay for classes, textbooks, rent, transportation, food, and everything else that comes with being a student – means that you’re probably starting to feel the pinch in your pocket.

We’ve compiled a list of posts on saving money as a student that we hope will help you with your school budgeting so you can stay on track as you pursue higher education!

Continue reading “Crash Course on Back To School Budgeting”

Understand Credit Cards

understand credit cards

One of the easiest ways to establish and build your credit score is with a credit card. As long as you don’t exceed your credit limit, pay your bill each month, and stay within your budget, you’re on the right track to financial stability. But what if you’re new to the world of credit? How do you know if you’re using your card responsibly?  We’ve come up with a list of some of the most common questions that new credit users have to help you understand credit cards.

Continue reading “Understand Credit Cards”