Financial restructuring your business in British Columbia. Today’s social and economic events bring unique challenges to business owners in the Fraser Valley.  Corporate and small businesses in many sectors are seeing monumental changes that can lead to instability to their business models. Challenges in the news recently: Retailers are struggling with high rent and lower…

1. Omitting Expenses – Not all expenses can be tracked monthly and yet they are important and must be included in the monthly allowance in order to not be caught short when the item rolls around.  Easy one, Christmas, budget every month to put away an amount that will prevent you from using credit to…

Budgeting is a learning process. We’ve said before that there is no such thing as the perfect budget. The truth is no two people will make the same budget even if they are living on the same income, in the same neighbourhood with the same number of dependants, nor should…

Routinely we are asked how to improve or better a credit score. Managing credit comes with personal responsibility, Credit scores are the same.  Each needs to be watched over carefully to prevent needless errors and incorrect or outdated information being attached to your name and file. .   In Canada the two main credit reporting…

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