You hear these terms all the time, especially in January and February, so what do they mean? RRSP (Registered Retirement Savings Plan)Why? Because you won’t be a musician forever. You need something for down the road and a contribution can reduce the amount of income tax you may need to pay. PLUS, you can use […]
I hate resolutions. They are so stupid, not sustainable, and when they are broken, which they will be, you feel like crap. Like, I am going to workout everyday for an hour. Yeaaahh, sure you are. That may last for what, a week? Two weeks tops? Since it’s a new decade how about we […]
As a member of MusicOntario, I am a frequent contributor to their periodic newsletter. My past few articles have focused on Credit Cards, and hopefully, I have brought awareness to what can be a rather dim sitch for some. In case you missed them, here’s a recap. Saddled with credit card debt? You’re not alone. […]
Having trouble getting credit due to your credit score? Here’s some tips. Make your minimum (or more) payments on time. Don’t skip payments. Call lender if you think you’ll have trouble. Credit card offering you a low rate if you transfer? That’s “new credit” and it will drop your credit score. Keep an old no […]
Nothing left at the end of the month? Look at your pants. Are there holes in the pockets? If not, look at your spending habits. For example, are you a coffee snob? Do you really need that Grande Mocha Frappuccino every day? Cut your consumption to two times a week and that could save you […]
Dreaming of getting your own customized motorhome to go on tour across the country? Unless you have the cash to lay down, you will likely have to borrow from the bank, and you will need to know the 4 C’s of credit. I’m using a motorhome as an example, but the same principals apply to […]
Checked your bank account lately, and surprised at the amount of money you are paying each month in fees? By making a few hacks you can save over $15 a month which will buy you a pack of strings. Check your bank account every few days, especially around the end of the month and beginning […]