How To Live Debt Free

Today…how to live debt free. A life without payments is very different from one with payments. Debt free living means saving up for things. It means making sacrifices and resisting impulse purchases. It means limiting the amount of money you waste each month. If you always have debts to pay and you find it hard to pay your debt then you should [...]

By |2019-08-19T08:31:31-04:00September 30th, 2018|Money Management Tips|0 Comments

Retirement – The 10% Rule

This week, the final in the  savings series, what we all look forward to…retirement     This is probably the most traditional rule of thumb when it comes to saving for retirement. Save ten percent of your income toward retirement. Why it works: It gives people a simple number to work with. If you're young, [...]

By |2019-08-19T13:29:41-04:00September 23rd, 2018|Money Management Tips|0 Comments

The Income Rule

This week…why net worth is more important than income.     Why Net Worth Is More Important Than Income:  Most people interested in personal finance have a goal to build wealth so they can have options, whether it's traveling, switching careers, or simply retirement. In making that happen, it's important to focus on income – [...]

By |2019-08-19T13:29:56-04:00September 16th, 2018|Money Management Tips|0 Comments

Homeownership – The 20 Percent Rule

This week…homeownership     According to this rule, you should put at least 20% when buying a home.   Why It Works: It ensures you don't spend more home than you can afford, it can lower your monthly mortgage cost, and it can increase your chances of being approved for a loan.   When It Doesn't: While this [...]

By |2019-08-19T08:32:18-04:00September 9th, 2018|Money Management Tips|0 Comments

The 20/4/10 Rule of Thumb for Buying a Vehicle … Part 2

This week…what you should consider when deciding on a new or used car: Do you have a down payment or a trade-in? The smart financial move is to pay for your car in cash and avoid a loan altogether. If that's not possible, you should at least have a sizeable down payment. In fact, with [...]

By |2019-08-19T08:28:49-04:00September 2nd, 2018|Money Management Tips|0 Comments

The 20/4/10 Rule of Thumb for Buying a Vehicle

This week…saving towards a vehicle.     Buying a Vehicle - The 20/4/10 rule   When buying a car, you should put down at least 20 percent. You should finance the car for no more than four years and spend no more than ten percent of your gross income on transportation costs.   Why It [...]

By |2019-08-19T08:29:22-04:00August 26th, 2018|Money Management Tips|0 Comments

The 50/30/20 Rule of Thumb for Budgeting…Part 3

For the last two weeks we addressed the 50/30/20 rule of budgeting.  Over the next few weeks we will look at other "rules of thumb”.   Rules of thumb can be a good approximate guideline for decisions, and there are tons of money rules that aim to get your finances on track. While everyone's situation [...]

By |2019-08-19T08:30:01-04:00August 19th, 2018|Money Management Tips|0 Comments

The 50/30/20 Rule of Thumb for Budgeting…Part 2

This week the 30 & 20%...   Limit Your "Wants" to 30 Percent This sounds great on the surface. Can you put 30 percent of your money toward your wants? Hello, shoes, weekend trip to Tobago, liming every Friday? Not so fast. Remember how strict we were with the definition of a "need"? Your "wants" [...]

By |2019-08-19T08:30:35-04:00August 12th, 2018|Money Management Tips|0 Comments

The 50/30/20 Rule of Thumb for Budgeting

  You've reviewed your spending and created a budget, and now you know exactly how much you spend on your home, your car, and how much you divert to your retirement accounts. That's all good, but what about your other savings, such as for an emergency? How does your financial allocation compare to the amount [...]

By |2019-08-19T08:31:11-04:00August 5th, 2018|Money Management Tips|0 Comments

Colour Psychology and Your Business Logo…Part 3

What different colours mean?   You need to pick your colours carefully to enhance specific elements of the logo and bring nuance to your message with the use of shade and tone.  Every colour, including black and white, has implications for logo design. In general terms, bright and bold colours are attention-grabbing but can appear [...]

By |2019-08-19T08:14:38-04:00July 29th, 2018|Business Registration|0 Comments