Personal Finance – Money We Have

Building Credit in Canada: Essential Strategies

Want to build credit in Canada? It’s all about playing smart and staying consistent. Whether you’re fresh off the plane, just turning 18, or bouncing back from financial setbacks, the formula is simple: get the…

Avion Rewards: Maximizing Points and Perks for Canadians

Avion Rewards is Royal Bank of Canada’s (RBC) loyalty program designed to make earning and redeeming points straightforward for Canadians. As an Avion Rewards member, you can easily collect points through your everyday purchases. Plus,…

What is the Minimum Payment on Credit Cards in Canada

If you look at your credit card statement, you’ll notice that there’s a minimum payment required each month. While paying just the minimum may be tempting, paying off your debt may take years while incurring…

What’s the Right Number of Credit Cards

Many people ask me what the right number of credit cards to have is, but there is no universal perfect number. The ideal number varies based on individual financial situations, spending habits, and financial/travel goals.…

36 Best Birthday Freebies in Toronto in 2025

Are you looking for birthday freebies in Toronto? If so, you’ll want to make sure you check out this list before you head out. There are more than two dozen restaurants and retailers that want…

What is Term Life Insurance?

If you’ve recently bought a home, had a baby, or started caring for an aging parent, you might be wondering if it’s time to buy life insurance. Or, for that matter, what is term life…

How Much Life Insurance do I Need?

If you have a family, or anyone who would suffer financially if you died, it’s essential to take out life insurance. In a nutshell, life insurance provides your chosen beneficiary with a one-time tax-free payment…

What is Life Insurance? Coverage and costs

Have you ever wondered what is life insurance? It’s a product that ensure that your loved ones are taken care of if you were to suddenly pass, but not many people like to talk about…

The Cost of Raising a Child in Canada

Before my daughter was born, I often asked myself and my friends, how much does it cost to raise a child in Canada? Most estimates for the cost of raising a child in Canada are…

What is Universal Life Insurance?

Universal life insurance is a type of permanent life insurance. It is lauded for being more flexible than other options, such as whole life insurance. However, while some view it as an investment strategy, others…