by Joseph Francis | Sep 6, 2018 | Budget Boss, Budgeting, Budgets, Cash Flow, Credit, Credit Card Debt, Credit Cards, Debt, Debt Consolidation, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, Goal Setting, Goal-Oriented Planning, Joseph James Francis, Lines of Credit, Minimalism, Money, Money Coach, Money Mentor, Saving, Saving Money, Wealth, Wealth Building, Wealth Mindset, Wealth Planning
Thursday, September 6, 2018 10 Ways to Keep Your Credit Score on Point Credit scores are a hazy mystery to most people. The truth is, you never really know what causes yours to get up and down sometimes. What we do know is there are certain things you can do to make... 
by Joseph Francis | Aug 22, 2018 | Budget Boss, Budgeting, Budgets, Credit, Credit Card Debt, Credit Cards, Dave Ramsey, Debt, Emergency Funds, Emergency Savings, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, Goal Setting, Goal-Oriented Planning, Joseph James Francis, Money, Money Coach, Money Mentor, Payday Loan, Saving, Saving Money, Student Debt, Wasteful Spending, Wealth, Wealth Building, Wealth Mindset, Wealth Planning
Wednesday, August 22, 2018 5 Reasons Why Credit Card Companies Target Young People I remember when I got my first credit card. The beautiful Brock University in St. Catharine’s Ontario was my home for a year when I was 19. Upon arriving on campus in early September I... 
by Joseph Francis | Aug 15, 2018 | Budget Boss, Budgeting, Budgets, Cash Flow, Credit, Credit Card Debt, Credit Cards, Debt, Emergency Funds, Emergency Savings, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, Goal Setting, Goal-Oriented Planning, Insurance, Investing, Investment Strategy, Investments, Joseph James Francis, Money, Money Coach, Money Mentor, Net Worth, Registered Retirement Savings Plan, Retirement, Retirement Planning, Saving, Saving Money, Term Life Insurance, TFSA, Wasteful Spending, Wealth, Wealth Building, Wealth Mindset, Wealth Planning, Whole Life Insurance
Wednesday, August 15, 2018 Your Own 1-Page Financial Plan Financial Planning can be very complex and there is a reason for it. Financial advisors try to make it confusing so we can sound smart. Here is a little heads-up about financial planning: It isn’t that complex!... 
by Joseph Francis | Aug 13, 2018 | Budget Boss, Budgeting, Budgets, Credit, Credit Card Debt, Credit Cards, Debt, Education Savings, Emergency Funds, Emergency Savings, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, Goal Setting, Goal-Oriented Planning, Jobs, Joseph James Francis, Millennials, Minimalism, Money, Money Coach, Money Mentor, Registered Education Savings Plan, RESP, Saving, Saving Money, Wealth, Wealth Building, Wealth Mindset, Wealth Planning
Monday, August 13, 2018 The Ultimate Back to School Guide It makes me very sad to say, but we are getting close to that time of year when students across the continent head back to school. You may already see the signs of a fleeting summer at your local shops. While... 
by Joseph Francis | Jul 23, 2018 | Bank Fees, Bankruptcy, Budget Boss, Budgeting, Budgets, Cash Flow, Credit, Credit Card Debt, Credit Cards, Debt, Emergency Funds, Emergency Savings, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, Goal Setting, Investing, Joseph James Francis, Lines of Credit, Money, Money Coach, Money Mentor, Saving, Saving Money, Student Debt, Student Loan, Student Loan Debt, Wasteful Spending, Wealth, Wealth Building, Wealth Mindset, Wealth Planning
Monday, July 23, 2018 Are You Addicted to Debt? Debt is a big business. The average Canadian household has over 20K in consumer debt. That doesn’t include mortgages, where the number owed by Canadians is over 2.1 Trillion dollars. Kind of scary isn’t it. The question,... 
by Joseph Francis | May 11, 2018 | Budget Boss, Budgeting, Budgets, Credit, Credit Card Debt, Credit Cards, Debt, Debt Consolidation, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, Joseph James Francis, Lines of Credit, Money, Money Coach, Saving Money, Wasteful Spending, Wealth, Wealth Building, Wealth Planning
Friday, May 11, 2018 10 Ways Having Bad Credit Affects You We all know that we need to keep our credit as squeaky clean as possible. What we don’t know is how having bad credit can impact us negatively in the future. Right when we are getting out of high school, banks... 