We noticed something interesting last year. About 60% of the budgets we reviewed in July looked nothing like what clients started with in January. Not because they were irresponsible—they just didn't account for how life actually works. Here's what tends to break down and what seems to hold up better.
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Ontario's tax landscape changed slightly this year. If you're in Northern Ontario, there are a few specific deductions worth understanding before April 30th rolls around.
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The numbers from 2024 are in, and inflation's been more persistent than many expected. This shifts how you might want to think about long-term savings targets.
Continue ReadingThe old "three months of expenses" rule doesn't work the same way it used to. We've been adjusting our recommendations based on what we're seeing in Canadian employment patterns.
Continue ReadingOur team has worked with over 300 households across Northern Ontario. Here's what we're learning about sustainable financial planning.
Senior Budget Analyst, talivorani
I've been doing this for about twelve years now, and one thing keeps coming up. People assume budgeting means restriction, but what we're really doing is creating space for what matters to them. That mindset shift changes everything.
Right now, with interest rates where they are, I'm seeing families reconsider debt paydown versus investing. There's no universal answer—it depends on your specific situation, your timeline, and honestly, your comfort with risk. That's where a conversation helps more than any calculator.