Summer is upon us and with it comes “summer break” for students.   That time off from school can be an golden opportunity to spend quality time teaching those skills not yet taught within the structured learning environment of our school system. Money Management for Teens It is never too early to learn about money, some…

Economic Forecast – The Canadian economy is expected to improve in 2015. Are you able to capitalize on an improving economy? To start with let’s look at your present situation – Over the past few years you’ve kept your head down, trying to pay the bills and keep food on the table.  Perhaps you been…

Who Qualifies For Bankruptcy The answer is very simple. To be eligible to file for bankruptcy you must: owe at least $1,000 and have debts greater than the sale value of your assets and are unable to pay your debts when they are due. Who Qualifies For Consumer Proposal This answer is also very simple….

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…

Budgets need to be managed. New Years and everyone has high hopes of managing their money in a better fashion.  That means keeping track on a fairly regular basis. Without some form of monitoring, you will have no way of knowing: If your budget is realistic; if you are working within your budget; or if…

© Copyright 2015, Sheila Smelt & Associates Inc. All Rights Reserved.

logo-footer

STAY CONNECTED WITH US: