Saving for Serenity

Second part if a series about negotiation. Learn smoe advanced negotiation techniques to save you money. Also learn the value of sales skills and negotiation in everyday life.

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Having kids in university can be costly, but by filing a return you can claim many education related expenses.
Once they are 19 and over, they are allowed to tap into the GST/ HST tax credit. If they are turning 19 before April 1st, 2011, they can apply for the credit on their 2009 tax return. [...]

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With the time drawing near for us to receive our tax refund, we have to come to a decision as to how to spend it. There are several good uses for your tax refund, however it all depends on your personal situation.
You may want to consider putting it towards your RRSP loan, or make your [...]

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Recently I began to receive various emails, which was from TD Canada Trust, and it was sent out to increase security for all online banking users.
Seeing as TD has no relation with the email account I received this email on, I was positive it was a fraudulent email.
After spending some time using Google (barely 3 [...]

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A topic that we seem to not stress on enough is how to avoid digital identity theft. When it comes to the internet, the most fascinating part of it is that you can become just about anyone you want to be.
To help protect you from digital identity theft I have listed a few tips.
1. Shred your [...]

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With new mortgage rules coming into effect and mortgage rates due for an increase as the Bank of Canada’s rate increases; Canadians will soon find themselves in a bind when purchasing a home.
To help ease the stress of purchasing a home, I have a few tips you may want to consider following.
1. Lock in Mortgage Rate
When [...]

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As of Today, Saving for Serenity is under the control and management of WebStar Content, a website management and content development company. Saving for Serenity has established itself as a source for Personal Finance information in the online world. We plan on re-establishing the glory days of Saving for Serenity, we plan on rebuilding the [...]

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Getting married is a strange experience. It is one of those things you have no way of knowing or understanding until you’re doing it, and once its over, whatever you learned is likely (and hopefully) never going to be used again. One of the weirdest phenomenon is the experience of time.
My wife (!) and I [...]

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Is it time that we kill our budgets? Shall we put them to rest alongside our abacuses and Charga-Plates as irrelevant relics in personal finance history? Or are they still an integral and essential part of one’s financial world?
Just yesterday, the first personal finance blogger showdown went up at Budgets Are Sexy. In the article, [...]

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On Monday, I posted an article titled “8 Reasons You Should Spend More Than You Earn“. It has gotten quite a bit of traffic, as numerous people have linked to it (thank you!). It has also attracted quite a number of comments, both here and elsewhere.
The overwhelming response has been negative. For example, Ground Zero’s [...]