Claudia DoRego, Author at 91¶¶Ňő /blog/author/claudia/ Free personal financial plan Wed, 04 Mar 2020 18:53:57 +0000 en-US hourly 1 https://wordpress.org/?v=6.9.4 /wp-content/uploads/2018/06/favicon.png Claudia DoRego, Author at 91¶¶Ňő /blog/author/claudia/ 32 32 The top 8 best personal finance podcasts of 2020 /blog/best-personal-finance-podcasts-2020/ /blog/best-personal-finance-podcasts-2020/#respond Fri, 04 Oct 2019 12:57:12 +0000 http://planswelldev.wpengine.com/?p=12860 With hundreds of thousands to choose from, finding podcasts to listen to can be tough. Here's our list of the 8 best personal finance podcasts of 2020.

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]]> If at all possible, save in advance for your renovation project. If you can, spend this spring cleaning and polishing (you’ll be amazed at what some elbow grease and fresh paint can do for your space), and plan to take a hammer to it next year. Not only will that leave you with 12 months to save in advance, it will also give you a chance to think carefully about your renovation plans and keep an eye open for sales on items you’ll need.

For home renovations, there are two savings tools that work particularly well.

The first is a high interest savings account. Unlike the regular savings account at your bank that probably pays next-to-no interest, a pays in the neighbourhood of 2.3% interest and allows you to withdraw your money at any time.

The second is a (TFSA) which, despite the name, can be used as a container for all sorts of investments. The advantage of using a TFSA is that you don’t have to pay tax on your investment income, and you can take out your money without penalty at any time.

Even though there’s a program in place that allows you to , it’s not recommended to withdraw money from your RRSP to fund a renovation. You won’t get the contribution room back and you’ll pay expensive tax on the withdrawals. Leave your retirement fund alone and consider other choices for home improvements.

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]]> /blog/best-personal-finance-podcasts-2020/feed/ 0 Budget vs financial plan: What’s the difference? /blog/budget-vs-financial-plan/ /blog/budget-vs-financial-plan/#respond Mon, 23 Sep 2019 14:42:49 +0000 http://planswelldev.wpengine.com/?p=12681 Do you know the difference between a budget and a financial plan? Here are some of the key differences between your budget and your financial plan.

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]]> If at all possible, save in advance for your renovation project. If you can, spend this spring cleaning and polishing (you’ll be amazed at what some elbow grease and fresh paint can do for your space), and plan to take a hammer to it next year. Not only will that leave you with 12 months to save in advance, it will also give you a chance to think carefully about your renovation plans and keep an eye open for sales on items you’ll need.

For home renovations, there are two savings tools that work particularly well.

The first is a high interest savings account. Unlike the regular savings account at your bank that probably pays next-to-no interest, a pays in the neighbourhood of 2.3% interest and allows you to withdraw your money at any time.

The second is a (TFSA) which, despite the name, can be used as a container for all sorts of investments. The advantage of using a TFSA is that you don’t have to pay tax on your investment income, and you can take out your money without penalty at any time.

Even though there’s a program in place that allows you to , it’s not recommended to withdraw money from your RRSP to fund a renovation. You won’t get the contribution room back and you’ll pay expensive tax on the withdrawals. Leave your retirement fund alone and consider other choices for home improvements.

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]]> /blog/budget-vs-financial-plan/feed/ 0 The cost of owning a pet: 4 questions you should be asking /blog/the-cost-of-owning-a-pet/ /blog/the-cost-of-owning-a-pet/#respond Fri, 13 Sep 2019 06:21:41 +0000 http://planswelldev.wpengine.com/?p=12285 Owning a furry companion can be one of the most rewarding experiences, but it can also be an expensive one. Are you financially ready for a pet?

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]]> If at all possible, save in advance for your renovation project. If you can, spend this spring cleaning and polishing (you’ll be amazed at what some elbow grease and fresh paint can do for your space), and plan to take a hammer to it next year. Not only will that leave you with 12 months to save in advance, it will also give you a chance to think carefully about your renovation plans and keep an eye open for sales on items you’ll need.

For home renovations, there are two savings tools that work particularly well.

The first is a high interest savings account. Unlike the regular savings account at your bank that probably pays next-to-no interest, a pays in the neighbourhood of 2.3% interest and allows you to withdraw your money at any time.

The second is a (TFSA) which, despite the name, can be used as a container for all sorts of investments. The advantage of using a TFSA is that you don’t have to pay tax on your investment income, and you can take out your money without penalty at any time.

Even though there’s a program in place that allows you to , it’s not recommended to withdraw money from your RRSP to fund a renovation. You won’t get the contribution room back and you’ll pay expensive tax on the withdrawals. Leave your retirement fund alone and consider other choices for home improvements.

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]]> /blog/the-cost-of-owning-a-pet/feed/ 0 The ultimate back to school checklist /blog/the-ultimate-back-to-school-checklist/ /blog/the-ultimate-back-to-school-checklist/#respond Thu, 15 Aug 2019 06:12:59 +0000 http://planswelldev.wpengine.com/?p=11799 Whether you're preparing your child for their first day of school or it's become routine, avoid the madness and use our back to school checklist this year.

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]]> If at all possible, save in advance for your renovation project. If you can, spend this spring cleaning and polishing (you’ll be amazed at what some elbow grease and fresh paint can do for your space), and plan to take a hammer to it next year. Not only will that leave you with 12 months to save in advance, it will also give you a chance to think carefully about your renovation plans and keep an eye open for sales on items you’ll need.

For home renovations, there are two savings tools that work particularly well.

The first is a high interest savings account. Unlike the regular savings account at your bank that probably pays next-to-no interest, a pays in the neighbourhood of 2.3% interest and allows you to withdraw your money at any time.

The second is a (TFSA) which, despite the name, can be used as a container for all sorts of investments. The advantage of using a TFSA is that you don’t have to pay tax on your investment income, and you can take out your money without penalty at any time.

Even though there’s a program in place that allows you to , it’s not recommended to withdraw money from your RRSP to fund a renovation. You won’t get the contribution room back and you’ll pay expensive tax on the withdrawals. Leave your retirement fund alone and consider other choices for home improvements.

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]]> /blog/the-ultimate-back-to-school-checklist/feed/ 0 The power of compound interest: How to win at investing /blog/the-power-of-compound-interest/ /blog/the-power-of-compound-interest/#respond Fri, 02 Aug 2019 06:15:36 +0000 http://planswelldev.wpengine.com/?p=11709 Einstein once described compound interest as “the eighth wonder of the world”. He also said it was “the most powerful force in the universe”. But what exactly is compound interest and why is it so powerful?

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]]> If at all possible, save in advance for your renovation project. If you can, spend this spring cleaning and polishing (you’ll be amazed at what some elbow grease and fresh paint can do for your space), and plan to take a hammer to it next year. Not only will that leave you with 12 months to save in advance, it will also give you a chance to think carefully about your renovation plans and keep an eye open for sales on items you’ll need.

For home renovations, there are two savings tools that work particularly well.

The first is a high interest savings account. Unlike the regular savings account at your bank that probably pays next-to-no interest, a pays in the neighbourhood of 2.3% interest and allows you to withdraw your money at any time.

The second is a (TFSA) which, despite the name, can be used as a container for all sorts of investments. The advantage of using a TFSA is that you don’t have to pay tax on your investment income, and you can take out your money without penalty at any time.

Even though there’s a program in place that allows you to , it’s not recommended to withdraw money from your RRSP to fund a renovation. You won’t get the contribution room back and you’ll pay expensive tax on the withdrawals. Leave your retirement fund alone and consider other choices for home improvements.

The post The power of compound interest: How to win at investing appeared first on 91¶¶Ňő.

]]> /blog/the-power-of-compound-interest/feed/ 0 Smart money moves to make in your 50’s /blog/smart-money-moves-to-make-in-your-50s/ /blog/smart-money-moves-to-make-in-your-50s/#respond Mon, 29 Jul 2019 06:14:30 +0000 http://planswelldev.wpengine.com/?p=11661 “What should I be doing with my money right now?” Sounds familiar, we know. Here are smart money moves you should be making while still in your fifties.

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]]> If at all possible, save in advance for your renovation project. If you can, spend this spring cleaning and polishing (you’ll be amazed at what some elbow grease and fresh paint can do for your space), and plan to take a hammer to it next year. Not only will that leave you with 12 months to save in advance, it will also give you a chance to think carefully about your renovation plans and keep an eye open for sales on items you’ll need.

For home renovations, there are two savings tools that work particularly well.

The first is a high interest savings account. Unlike the regular savings account at your bank that probably pays next-to-no interest, a pays in the neighbourhood of 2.3% interest and allows you to withdraw your money at any time.

The second is a (TFSA) which, despite the name, can be used as a container for all sorts of investments. The advantage of using a TFSA is that you don’t have to pay tax on your investment income, and you can take out your money without penalty at any time.

Even though there’s a program in place that allows you to , it’s not recommended to withdraw money from your RRSP to fund a renovation. You won’t get the contribution room back and you’ll pay expensive tax on the withdrawals. Leave your retirement fund alone and consider other choices for home improvements.

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]]> /blog/smart-money-moves-to-make-in-your-50s/feed/ 0 Smart money moves to make in your 40’s /blog/smart-money-moves-to-make-in-your-40s/ /blog/smart-money-moves-to-make-in-your-40s/#respond Thu, 18 Jul 2019 06:06:37 +0000 http://planswelldev.wpengine.com/?p=11615 “What should I be doing with my money right now?” Sounds familiar, we know. Here are smart money moves you should be making while still in your forties.

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]]> If at all possible, save in advance for your renovation project. If you can, spend this spring cleaning and polishing (you’ll be amazed at what some elbow grease and fresh paint can do for your space), and plan to take a hammer to it next year. Not only will that leave you with 12 months to save in advance, it will also give you a chance to think carefully about your renovation plans and keep an eye open for sales on items you’ll need.

For home renovations, there are two savings tools that work particularly well.

The first is a high interest savings account. Unlike the regular savings account at your bank that probably pays next-to-no interest, a pays in the neighbourhood of 2.3% interest and allows you to withdraw your money at any time.

The second is a (TFSA) which, despite the name, can be used as a container for all sorts of investments. The advantage of using a TFSA is that you don’t have to pay tax on your investment income, and you can take out your money without penalty at any time.

Even though there’s a program in place that allows you to , it’s not recommended to withdraw money from your RRSP to fund a renovation. You won’t get the contribution room back and you’ll pay expensive tax on the withdrawals. Leave your retirement fund alone and consider other choices for home improvements.

The post Smart money moves to make in your 40’s appeared first on 91¶¶Ňő.

]]> /blog/smart-money-moves-to-make-in-your-40s/feed/ 0 Smart money moves to make in your 30’s /blog/smart-money-moves-to-make-in-your-30s/ /blog/smart-money-moves-to-make-in-your-30s/#respond Thu, 11 Jul 2019 06:26:50 +0000 http://planswelldev.wpengine.com/?p=11606 “What should I be doing with my money right now?” Sounds familiar, we know. Here are smart money moves you should be making while still in your thirties.

The post Smart money moves to make in your 30’s appeared first on 91¶¶Ňő.

]]> If at all possible, save in advance for your renovation project. If you can, spend this spring cleaning and polishing (you’ll be amazed at what some elbow grease and fresh paint can do for your space), and plan to take a hammer to it next year. Not only will that leave you with 12 months to save in advance, it will also give you a chance to think carefully about your renovation plans and keep an eye open for sales on items you’ll need.

For home renovations, there are two savings tools that work particularly well.

The first is a high interest savings account. Unlike the regular savings account at your bank that probably pays next-to-no interest, a pays in the neighbourhood of 2.3% interest and allows you to withdraw your money at any time.

The second is a (TFSA) which, despite the name, can be used as a container for all sorts of investments. The advantage of using a TFSA is that you don’t have to pay tax on your investment income, and you can take out your money without penalty at any time.

Even though there’s a program in place that allows you to , it’s not recommended to withdraw money from your RRSP to fund a renovation. You won’t get the contribution room back and you’ll pay expensive tax on the withdrawals. Leave your retirement fund alone and consider other choices for home improvements.

The post Smart money moves to make in your 30’s appeared first on 91¶¶Ňő.

]]> /blog/smart-money-moves-to-make-in-your-30s/feed/ 0 Leasing vs Buying a Car: Which is best for you? /blog/leasing-vs-buying-car/ /blog/leasing-vs-buying-car/#respond Tue, 02 Jul 2019 06:53:27 +0000 http://planswelldev.wpengine.com/?p=11421 If you’re looking for a new car, you're likely stuck on the big question: leasing vs financing and which one is better for your situation? Find out here.

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]]> If at all possible, save in advance for your renovation project. If you can, spend this spring cleaning and polishing (you’ll be amazed at what some elbow grease and fresh paint can do for your space), and plan to take a hammer to it next year. Not only will that leave you with 12 months to save in advance, it will also give you a chance to think carefully about your renovation plans and keep an eye open for sales on items you’ll need.

For home renovations, there are two savings tools that work particularly well.

The first is a high interest savings account. Unlike the regular savings account at your bank that probably pays next-to-no interest, a pays in the neighbourhood of 2.3% interest and allows you to withdraw your money at any time.

The second is a (TFSA) which, despite the name, can be used as a container for all sorts of investments. The advantage of using a TFSA is that you don’t have to pay tax on your investment income, and you can take out your money without penalty at any time.

Even though there’s a program in place that allows you to , it’s not recommended to withdraw money from your RRSP to fund a renovation. You won’t get the contribution room back and you’ll pay expensive tax on the withdrawals. Leave your retirement fund alone and consider other choices for home improvements.

The post Leasing vs Buying a Car: Which is best for you? appeared first on 91¶¶Ňő.

]]> /blog/leasing-vs-buying-car/feed/ 0 5 money mistakes that could haunt you for life /blog/5-money-mistakes-that-could-haunt-you-for-life/ /blog/5-money-mistakes-that-could-haunt-you-for-life/#respond Tue, 18 Jun 2019 14:53:03 +0000 http://planswelldev.wpengine.com/?p=11281 From impulse purchases and forgotten bills to poor planning, we've all mishandled our money. Here are 5 financial mistakes you could haunt you for life.

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]]> If at all possible, save in advance for your renovation project. If you can, spend this spring cleaning and polishing (you’ll be amazed at what some elbow grease and fresh paint can do for your space), and plan to take a hammer to it next year. Not only will that leave you with 12 months to save in advance, it will also give you a chance to think carefully about your renovation plans and keep an eye open for sales on items you’ll need.

For home renovations, there are two savings tools that work particularly well.

The first is a high interest savings account. Unlike the regular savings account at your bank that probably pays next-to-no interest, a pays in the neighbourhood of 2.3% interest and allows you to withdraw your money at any time.

The second is a (TFSA) which, despite the name, can be used as a container for all sorts of investments. The advantage of using a TFSA is that you don’t have to pay tax on your investment income, and you can take out your money without penalty at any time.

Even though there’s a program in place that allows you to , it’s not recommended to withdraw money from your RRSP to fund a renovation. You won’t get the contribution room back and you’ll pay expensive tax on the withdrawals. Leave your retirement fund alone and consider other choices for home improvements.

The post 5 money mistakes that could haunt you for life appeared first on 91¶¶Ňő.

]]> /blog/5-money-mistakes-that-could-haunt-you-for-life/feed/ 0