In “Turning over a new leaf – Part I” we talked about developing a plan to eliminate your debts and tracking your cashflow over a period of time.  I recommended that you record all your transactions for at least 12 months. By this time, hopefully, you have been faithfully recording all of your purchases for…

Tax time has come again and many people are faced with the problem of owing Canada Revenue Agency , hundreds or thousands of dollars in income tax.  Often it is a painful time of year and it can be made worse if you are already suffering with over extended credit cards or other debt.  Avoiding…

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