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<rss xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title>BLOG RSS</title><link>http://sarahpauls.com/blog</link><description>BLOG RSS</description><pubDate>Tue, 24 Mar 2020 00:19:15 GMT</pubDate><lastBuildDate>Tue, 24 Mar 2020 00:19:15 GMT</lastBuildDate><atom:link rel="self" href="http://sarahpauls.com/rss.xml"/><item><title>Three steps to building a rainy day fund</title><link>http://sarahpauls.com/blog/three-steps-to-building-a-rainy-day-fund</link><description>At some point in life, you’ll need a new roof. You might need to fix your car brakes. Unforeseen events happen, and when they do, it’s important to be financially prepared. Budgets are an effective way to plan your month-to-month expenses and savings. They can also help you keep money available for the unexpected.Here are three steps to start building your rainy day fund:Determine the amount you’d like to save. This could be any amount you feel would cover your expenses in the case of an</description><pubDate>Tue, 24 Mar 2020 00:19:15 GMT</pubDate><guid>http://sarahpauls.com/blog/three-steps-to-building-a-rainy-day-fund</guid><atom:link rel="related" href="http://sarahpauls.com/blog"/></item><item><title>3 tips to help you spring clean your financial routine</title><link>http://sarahpauls.com/blog/3-tips-to-help-you-spring-clean-your-financial-routine</link><description>With spring right around the corner, now is the perfect time to start sprucing up your house, your yard and especially your finances. Here are three easy ways to “spring clean” your finances and make the most out of your money:Start talking about money. Money doesn’t need to feel like a bad word. Starting a conversation about personal finances can be a great way to learn more from friends and family. We’re often concerned about being judged for our financial habits, but opening up can be a</description><pubDate>Tue, 24 Mar 2020 00:07:11 GMT</pubDate><guid>http://sarahpauls.com/blog/3-tips-to-help-you-spring-clean-your-financial-routine</guid><atom:link rel="related" href="http://sarahpauls.com/blog"/></item><item><title>Renegotiating your mortgage?</title><link>http://sarahpauls.com/blog/renegotiating-your-mortgage</link><description>There’s so much to think about when renegotiating your mortgage. You may be shopping around for the best rate, you may have to pay fees to switch lenders, and your bank will likely offer you a readvanceable mortgage.Some banks bundle other financial products, like car loans or credit cards, together under a readvanceable mortgage — a term mortgage combined with a home equity line of credit. This is typically offered at an attractive interest rate.While a readvanceable mortgage has its</description><pubDate>Thu, 20 Feb 2020 18:05:54 GMT</pubDate><guid>http://sarahpauls.com/blog/renegotiating-your-mortgage</guid><atom:link rel="related" href="http://sarahpauls.com/blog"/></item><item><title>How to avoid real estate fraud</title><link>http://sarahpauls.com/blog/how-to-avoid-real-estate-fraud</link><description>As housing prices climb in many markets across the country, real estate fraud can become a much more enticing prospect for scammers. While it’s one of the lesser known kinds of fraud in Canada, its impact can be devastating.There are two types of real estate fraud that may result in financial losses — title fraud and foreclosure fraud.Title fraud happens when a fraudster steals the title to a home — usually after stealing the owner’s identity — then sells the home or applies for a new</description><pubDate>Thu, 20 Feb 2020 18:07:52 GMT</pubDate><guid>http://sarahpauls.com/blog/how-to-avoid-real-estate-fraud</guid><atom:link rel="related" href="http://sarahpauls.com/blog"/></item><item><title>Achieve your long-term financial goals with your home equity</title><link>http://sarahpauls.com/blog/achieve-your-long-term-financial-goals-with-your-home-equity</link><description>Your home has the potential to build your personal wealth over the long term. If used prudently, a home equity line of credit (HELOC) can help you reach your financial goals.But with a HELOC, you might be tempted to use your home as an ATM. You need a plan to use this line of credit wisely, and be aware of potential risks.Home ownership can be a great long-term investment strategy, especially if housing prices rise. Your mortgage debt goes down, because you make regular payments against both</description><pubDate>Thu, 20 Feb 2020 18:04:02 GMT</pubDate><guid>http://sarahpauls.com/blog/achieve-your-long-term-financial-goals-with-your-home-equity</guid><atom:link rel="related" href="http://sarahpauls.com/blog"/></item><item><title>Tips on choosing the right mortgage for you</title><link>http://sarahpauls.com/blog/tips-on-choosing-the-right-mortgage-for-you</link><description>To get a good deal on buying a home or property, it is important to choose the mortgage that best suits your needs.When shopping for a mortgage, it's crucial to understand some of the options and features available to you:Amortization period versus mortgage termThe amortization period is the length of time it will take you to pay off the mortgage in full. If your down payment is less than 20 per cent of the purchase price of your home, the longest amortization period allowed is 25 years.</description><pubDate>Thu, 30 Jan 2020 16:07:28 GMT</pubDate><guid>http://sarahpauls.com/blog/tips-on-choosing-the-right-mortgage-for-you</guid><atom:link rel="related" href="http://sarahpauls.com/blog"/></item><item><title>How to bring your finances back on track after the holidays</title><link>http://sarahpauls.com/blog/how-to-bring-your-finances-back-on-track-after-the-holidays</link><description>Since the festivities are over, it’s time to take back control of your personal finances, especially if you spent more than you intended.Everybody knows that the holidays can quickly become expensive in terms of gifts, trips and dinners. If you have exceeded your budget and are in debt, immediately restore order in your finances before the situation becomes a source of stress.Establish a budgetCreating a budget may seem complicated when you don’t know where to start. However, some tools will</description><pubDate>Thu, 09 Jan 2020 20:08:38 GMT</pubDate><guid>http://sarahpauls.com/blog/how-to-bring-your-finances-back-on-track-after-the-holidays</guid><atom:link rel="related" href="http://sarahpauls.com/blog"/></item><item><title>Does your chequing account still meet your needs?</title><link>http://sarahpauls.com/blog/does-your-chequing-account-still-meet-your-needs</link><description>For many of us, the beginning of the year is an opportunity to start off on the right foot. One way to do this is by making sure your finances are on track.A good place to start is evaluating your chequing account. What features are right for you? How many transactions do you make each month? Do you prefer making your banking transactions online, at a bank machine or in a branch?Carefully read your account agreement. How many transactions are allowed? Are there extra fees for certain</description><pubDate>Thu, 09 Jan 2020 20:11:26 GMT</pubDate><guid>http://sarahpauls.com/blog/does-your-chequing-account-still-meet-your-needs</guid><atom:link rel="related" href="http://sarahpauls.com/blog"/></item><item><title>Financial well-being depends more on behaviour than on income</title><link>http://sarahpauls.com/blog/financial-well-being-depends-more-on-behaviour-than-on-income</link><description>The Financial Consumer Agency of Canada recently released a report entitled Findings from Canada’s Financial Well-being Survey, which indicates that our financial well-being depends more on good money management than on income.This is striking because many of us believe that higher incomes guarantee better financial well-being. But this is not the case. Income is important, but behaviour is even more so.For example, the study shows that Canadians who regularly save money have a higher level</description><pubDate>Thu, 09 Jan 2020 20:13:26 GMT</pubDate><guid>http://sarahpauls.com/blog/financial-well-being-depends-more-on-behaviour-than-on-income</guid><atom:link rel="related" href="http://sarahpauls.com/blog"/></item><item><title>Tips to help avoid post-holiday financial stress</title><link>http://sarahpauls.com/blog/tips-to-help-avoid-post-holiday-financial-stress</link><description>Many people blow their budgets when the holidays come around. Frequent small expenses can pile up very quickly as a result of gift shopping, parties or travel expenses to visit loved ones. So, it’s important to be realistic and remember that it’s only a few days out of the whole year.To reduce and avoid financial stress after the holidays, try to control your spending. Read on for some effective ways to do this.First, make a budget before you even start your shopping by setting a spending</description><pubDate>Thu, 09 Jan 2020 20:15:06 GMT</pubDate><guid>http://sarahpauls.com/blog/tips-to-help-avoid-post-holiday-financial-stress</guid><atom:link rel="related" href="http://sarahpauls.com/blog"/></item><item><title>Understanding how financial stress impacts your well-being</title><link>http://sarahpauls.com/blog/understanding-how-financial-stress-impacts-your-well-being</link><description>Canadians consistently rank money as their biggest source of stress – higher than health, work or family obligations. This is not surprising when you consider that more than half of us do not regularly save money to cover unexpected expenses, according to the first national survey of financial well-being conducted by the Financial Consumer Agency of Canada. Moreover, one in seven of us often use credit to purchase basic necessities like food because their money has run out.These numbers tell</description><pubDate>Thu, 09 Jan 2020 20:17:49 GMT</pubDate><guid>http://sarahpauls.com/blog/understanding-how-financial-stress-impacts-your-well-being</guid><atom:link rel="related" href="http://sarahpauls.com/blog"/></item><item><title>Tips to help you take charge of your finances</title><link>http://sarahpauls.com/blog/tips-to-help-you-take-charge-of-your-finances</link><description>If you struggle with your finances, you’re not alone. While many of us manage to keep up with bills and payments, a substantial portion of us face significant financial pressures.According to the first national survey of financial well-being conducted by the Financial Consumer Agency of Canada, more than half of Canadians do not regularly save money to cover unexpected expenses. Moreover, one in seven often use credit to purchase basic necessities like food because their money has run out.</description><pubDate>Thu, 09 Jan 2020 20:20:15 GMT</pubDate><guid>http://sarahpauls.com/blog/tips-to-help-you-take-charge-of-your-finances</guid><atom:link rel="related" href="http://sarahpauls.com/blog"/></item><item><title>Are your financial decisions costing you?</title><link>http://sarahpauls.com/blog/are-your-financial-decisions-costing-you</link><description>Financial decisions can be intimidating for many of us, so it’s tempting to think we’ll be okay as long as we bring home a paycheque and pay our bills. But there are some missteps that could be costing you in the long run. According to a recent survey conducted by financial services company Primerica, 61 per cent of respondents have made at least one costly financial decision, with an average loss reported at $29,000. Here are some of the myths that could be impacting your financial</description><pubDate>Thu, 09 Jan 2020 20:24:05 GMT</pubDate><guid>http://sarahpauls.com/blog/are-your-financial-decisions-costing-you</guid><atom:link rel="related" href="http://sarahpauls.com/blog"/></item><item><title>The financial problem with being too nice</title><link>http://sarahpauls.com/blog/the-financial-problem-with-being-too-nice</link><description>We all have that friend – or are that friend – who picks up the tab at restaurants, buys gifts and spends money on others with abandon. Someone who is kind, friendly and easygoing. But what about all that spending? Do nice people have more money woes?According to a recent report from Columbia University researchers, they just might.The paper is based on a series of studies aimed at understanding the relationship between agreeableness and financial hardship. Among other things, researchers</description><pubDate>Thu, 12 Sep 2019 17:56:08 GMT</pubDate><guid>http://sarahpauls.com/blog/the-financial-problem-with-being-too-nice</guid><atom:link rel="related" href="http://sarahpauls.com/blog"/></item><item><title>How to increase your financial resiliency</title><link>http://sarahpauls.com/blog/how-to-increase-your-financial-resiliency</link><description>When it comes to your personal finances, it’s important to be prepared for the unexpected. Whether it’s an overall downturn as Canada faces an uncertain economic forecast or a difficult personal situation such as job loss, illness, injury or a major home or automobile expense, experts agree that resilience is the key.There are many ways to increase your financial resilience and break the debt cycle. Here are five tips to boost yours:Track spending and identify areas to cut costs on an</description><pubDate>Thu, 12 Sep 2019 18:03:42 GMT</pubDate><guid>http://sarahpauls.com/blog/how-to-increase-your-financial-resiliency</guid><atom:link rel="related" href="http://sarahpauls.com/blog"/></item><item><title>Buying a new home? Beware of mortgage fraud</title><link>http://sarahpauls.com/blog/buying-a-new-home-beware-of-mortgage-fraud</link><description>Purchasing a new home is a big milestone that’s typically full of happy moments – from picking out new furniture and décor to discovering all the interesting spots in your new neighbourhood.But this is also a time when homebuyers can be susceptible to mortgage fraud. According to a recent survey conducted for Chartered Professional Accountants of Canada (CPA Canada), only 35 per cent of people are aware of the dangers posed by mortgage fraud.The first step in protecting yourself is to learn</description><pubDate>Thu, 12 Sep 2019 18:15:57 GMT</pubDate><guid>http://sarahpauls.com/blog/buying-a-new-home-beware-of-mortgage-fraud</guid><atom:link rel="related" href="http://sarahpauls.com/blog"/></item><item><title>5 tips to help your kids manage their money at school</title><link>http://sarahpauls.com/blog/5-tips-to-help-your-kids-manage-their-money-at-school</link><description>Sending your children off to college comes with its own set of challenges, but have you considered credit card literacy to be one of them? After all, as parents you know the importance of managing good credit, but your kids may not be as financially savvy.Here are some tips to make sure your child’s experience with credit is smooth sailing, all the way from the first day of school to the last.Start with a clean slate. Once your child is old enough to have their own credit card, it may be</description><pubDate>Thu, 09 Jan 2020 20:09:00 GMT</pubDate><guid>http://sarahpauls.com/blog/5-tips-to-help-your-kids-manage-their-money-at-school</guid><atom:link rel="related" href="http://sarahpauls.com/blog"/></item><item><title>4 things kids need to know about money</title><link>http://sarahpauls.com/blog/4-things-kids-need-to-know-about-money</link><description>Responsible spending includes knowing the difference between wants and needs. Back-to-school season, with added expenses and expectations around spending, is the perfect time to not only build your own budget for the year ahead, but also to introduce your own children to the concept of budgeting.The experts at Capital One break down four basic things that every child should know about money, along with tips for bringing real-life examples into the conversation.What money is. There’s no need</description><pubDate>Thu, 12 Sep 2019 18:02:21 GMT</pubDate><guid>http://sarahpauls.com/blog/4-things-kids-need-to-know-about-money</guid><atom:link rel="related" href="http://sarahpauls.com/blog"/></item><item><title>3 steps to managing your money in a cashless society</title><link>http://sarahpauls.com/blog/3-steps-to-managing-your-money-in-a-cashless-society</link><description>Canada is leading the world in financial technology, with cashless transactions using credit cards, contactless payments, e-transfers and phone apps now the social norm. But for those of us still heavily relying on cash or not making use of the latest technology, making the transition to an increasingly cashless world can be a struggle. Fortunately, with a little help we can all adapt. Here are three simple steps to help get you on your way:Get to know the benefits banking services can</description><pubDate>Thu, 12 Sep 2019 18:00:49 GMT</pubDate><guid>http://sarahpauls.com/blog/3-steps-to-managing-your-money-in-a-cashless-society</guid><atom:link rel="related" href="http://sarahpauls.com/blog"/></item></channel></rss>
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