Finances Made Simple

Investor💸 vs. Consumer🛒

An investor puts their money to work for them to financially prepare for their future whereas a consumer likes to live in the moment and spend their money. If you believe you identify as a consumer and want to make the switch to be an investor, one of the best ways to do so is to start actively tracking your money. Finding small areas in your spending to cutback on to instead put into your investments is the first step to becoming an investor.

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A Spousal Registered Retirement Savings Plan (RRSP) is a great tool you can use to lower your taxes owing both today and potentially in the future when one spouse earns more than the other. Make sure to get your contributions in before March 1st, 2022 for the 2021 tax year!

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Looking for a last minute gift idea for your family? Give them the gift of music🎵 this holiday season with a Spotify family membership. For just $5 more per month than an individual membership, you and 5 other family members can enjoy endless music and podcasts all year long!

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Too busy during the holidays to check everything off of your list? Try using Instacart! Not only can you save time on shopping but you can also get access to stores like Costco without having to have a paid for membership.

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