Saving for Serenity

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Getting out of debt is one of the most difficult tasks a person can face in their life, however the true challenge begins when you are out of debt.
Staying out of debt is a difficult task to accomplish because it is a never-ending process, unless you come across a source of money where you no [...]

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Today I wish to talk about the importance of making a “to do list”. Now similarly to a budget, a “to do list” is made to help you set out your goals, and allow you to check off what you get accomplished.
The great part of a “to do list” is that you can make it [...]

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Today we will be discussing the importance of budgets, and what you can do to improve or create one for yourself.
A budget’s purpose is to help you spend your money more efficiently and wisely, ultimately allowing you to save for any future goals.
When it comes to creating your budget, it has to incorporate categories and [...]

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In the series so far we have discussed the first two rules to escaping debt. The first rule being you must acknowledge your situation and what the source of the problem is. The second rue was to create a budget which should be able to help decrease your debt.
The third and final rule is to [...]

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While I was searching through the App Store on my iPhone, I came across a bank application for TD Canada Trust.
Recently I have started using TD to bank with, primarily because I was in need of a Visa, and the service at my current bank has not bee great recently.
I downloaded the application and began [...]

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Last week I discussed the first rule to escaping debt, which is to acknowledge the situation you are in and that the source of the problem is no one but yourself.
Rule 2 to escaping debt is to create a plan or in other words a budget.
You will have to go through your finances and examine [...]

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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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One of the keys to success when it comes to budgeting and saving is the ideology of “Spending less than you make”.
There are far too many people in the world who extend themselves too thin by spending much more than they actually make. By living this way, people can find themselves in a hole of [...]

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I recently wrote an article concerning with you keeping track of your budget. A reader raised my awareness as to writing down what you have spent ASAP, which I never thought about during writing that article.
After some time searching the internet, I found a great way to record any expenses, before you forget about them.
The [...]

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Tracking your budget is not always an easy task to accomplish. At times, you may find yourself lost within the numbers and you can end up going over your budget if you do so.
When on a budget you will not only have to write down what you spend to keep your budget in check, but [...]