Wednesday, July 4, 2018

Happy Independence Day To Our USA Neighbours!

Despite what has been happening between the USA and Canada with the US president and the Prime Minister, we still would like to wish our neighbours a Happy 4th of July.


We ourselves work with companies in the USA and we live there for half the year, every year, despite the lower dollar for us. We love the USA- the people, the sights and the sun we travel to every winter.

From our home to yours- Happy 4th of July- Independence Day!

How To Ensure You Save Money Wherever Possible



There’s no doubt about it, saving money for the future is hugely important and provides you with a much-needed safety net. Budgeting is often synonymous with dread as many believe that cutting back on spending is going to plunge them back into the Stone Age without the treats and perks they’re used to. This certainly isn’t the case, unless you’re in the habit of going on vacation multiple times a year, in which case, you might have to think about cutting back on the frequency of traveling about. Saving money is far easier than you might think, and it involves choosing cheaper options, managing your money, and being clever with your income.

Management Strategies

Aside from creating a budget and drawing up a detailed plan of how you’re going to save money here and there, you could consider engaging with helpful services designed to help you keep hold of as much of your income as you can, such as personal capital reviews and Betterment tax loss harvesting. This relies on a computer model and a team of investment managers to keep track of client funds. This drive to save money has to come from you, and you have to really want to save money if you’re going to be successful in accumulating money into a large cash sum.

Be Savvy

Learn how to save money wherever you go by keeping an eye out for coupons and vouchers, as well as second-hand items online. Of course, it’s not always possible to find such, however knowing where to look can get you started and benefit you hugely. There are a whole host of apps and websites geared towards helping you save money on dining out and activities, so research to find the best ones for you all the while taking the time to download Groupon and Tastecard, for example.

Transfer Cash On Payday

As soon as you receive your pay, tell yourself that you’ll transfer a percentage of the sum straight into your savings account. Remember that it’s the wisest choice to make and you’ll be far less likely to use your savings for purchasing unnecessary goods once they’re tucked away. After three or four months, this will be a customary practice for you, and you’ll feel encouraged to continue when you start to see your savings increase.

Document Your Current Expenses


Write down a tangible list of where your income is coming from and how much you’re expecting to receive each month. Outgoing costs vary from month to month, so it’s extremely useful to know how much money is coming and how much is going out. You can then figure out how much you have left after expenses such as rent, utility bills, credit card loan payments and the cost of living have came out your account. Once you’ve documented this, you can turn your attention to everyday spending, and how you can learn to curb it when shopping. You can do this by choosing cheaper alternatives on the market, and consulting with a money saving expert.