by Joseph Francis | Mar 26, 2018 | Budget Boss, Budgeting, Budgets, Debt, Emergency Funds, Emergency Savings, Employment, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, Investing, Jobs, Joseph James Francis, Minimalism, Saving Money, Teaching Children About Money, Wealth, Wealth Building, Wealth Planning
Monday, March 26, 2018 Life is Too Expensive: What Can I Do? Every day we see the cost of living rise. From your local watering hole raising the cost of a beer a quarter to hydro bills reaching insane levels. It is getting harder and harder all the time to make ends... 
by Joseph Francis | Mar 23, 2018 | Budget Boss, Budgeting, Budgets, CMHC, Debt, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, Goal Setting, Goal-Oriented Planning, Home Ownership, Investing, Investment Strategy, Investments, Joseph James Francis, Money, Mortgage Insurance, Mortgage Loan Insurance, Mortgage Planning, Mortgage Rates, Mortgages, Retirement, Retirement Planning, Saving, Saving for a Down Payment, Saving Money, Wealth, Wealth Building, Wealth Planning
Friday, March 23, 2018 10 Benefits of Home Ownership It is the Canadian dream to own a home. This dream has been ingrained in us since we were children. Being an apartment dweller for much of my adult life, I see the appeal of homeownership. A place to call your own... 
by Joseph Francis | Mar 21, 2018 | Budget Boss, Budgeting, Budgets, 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, Investing, Investment Strategy, Investments, Joseph James Francis, Money, Mortgage Insurance, Mortgage Loan Insurance, Mortgage Planning, Mortgage Rates, Mortgages, Saving, Saving for a Down Payment, Saving Money, Wealth, Wealth Building, Wealth Planning
Wednesday, March 21, 2018 My Top 10 Mortgage Myths Let’s be honest, buying a home can be very intimidating. If it is your first time buying a home, it can be especially stressful. Luckily there are many people out there trying to make the process easier for you. From... 
by Joseph Francis | Mar 19, 2018 | Budget Boss, Budgeting, Budgets, Canadian Housing and Mortgage Corporation, CMHC, Debt, Emergency Funds, Emergency Savings, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, Home Buyer's Plan, Home Ownership, Investing, Investments, Joseph James Francis, Money, Mortgage Insurance, Mortgage Loan Insurance, Mortgage Planning, Mortgage Rates, Mortgages, Registered Retirement Savings Plan, Saving, Saving for a Down Payment, Saving Money, Wealth, Wealth Building, Wealth Planning
Monday, March 18, 2018 What Type of Mortgage is Right for You? We begin Mortgage Week at Budget Boss with a look at the different types of mortgages. Buying a home is the ultimate dream for most Canadians. The truth is, owning a home is a valuable part of any solid... 
by Joseph Francis | Mar 16, 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, Investing, Joseph James Francis, Money, Saving, Saving Money, Wasteful Spending, Wealth, Wealth Building, Wealth Planning
Friday, March 16, 2018 The Real Reasons for a Rainy-Day Fund I speak about it all the time but there is a reason for it. Before I got into the financial industry I saw the effects first hand. Not having money for a rainy-day was a bad place to be. It wasn’t a big deal... 
by Joseph Francis | Mar 14, 2018 | Budget Boss, Budgeting, Budgets, Emergency Funds, Emergency Savings, Employment, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, Investing, Investment Strategy, Joseph James Francis, Life Insurance, Money, Net Worth, Registered Retirement Savings Plan, RRSP, Saving, Saving Money, Tax-Free Savings Account, Wasteful Spending, Wealth, Wealth Building, Wealth Planning
Wednesday, March 14, 2018 Prioritizing Your Spending As we are in Back to Basics Week here at Budget Boss, I think it is important to have a conversation about priorities. I have these conversations with my clients all the time. Dropping the word priority while we... 