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... 
by Joseph Francis | Mar 8, 2018 | Budget Boss, Budgeting, Budgets, Debt, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, Goal Setting, Goal-Oriented Planning, Insurability, Insurance, Investing, Joseph James Francis, Life Insurance, Money, Mortgages, Registered Retirement Savings Plan, Retirement, Retirement Planning, Saving, Saving Money, Teaching Children About Money, Wealth, Wealth Building, Wealth Planning
Thursday, March 8, 2018 My Money Karma Theory What does this title mean? Has the Budget Boss gone crazy? Possibly, but hear me out. It’s the one-year anniversary of Budget Boss tomorrow and after a whole year and 290 plus posts about personal finance, I figured I... 
by Joseph Francis | Feb 23, 2018 | Budget Boss, Budgeting, Budgets, Critical Illness Insurance, Disability Insurance, 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, Long Term Investing, Money, Registered Retirement Savings Plan, RRSP, Saving, Saving Money, Tax-Free Savings Account, Term Life Insurance, Wealth, Wealth Building, Wealth Planning, Whole Life Insurance
Friday, February 23, 2018 5 Must Have’s for Family Financial Planning Getting all your financial ducks in a row is not always easy, especially when you have children. Kids take up a lot of your time and of course a lot of your money. When they are growing up it can be... 
by Joseph Francis | Feb 9, 2018 | Budget Boss, Budgeting, Budgets, Cash Flow, Estate Planning, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independece, Financial Independence, Financial Plan, Financial Planner, Investing, Investment Strategy, Investments, Money, Registered Retirement Savings Plan, Retirement, Retirement Planning, RRSP, RRSP versus TFSA, Saving, Tax-Free Savings Account, TFSA, Wealth Building, Wealth Planning
Friday, February 9, 2018 Which is Better? TFSA vs. RRSP I have been quoted in the past as saying everyone should have a Tax-Free Savings Account, everyone. I stand by that claim. The reason is simple, no taxes ever. Now while I stand by my claim, I still believe that... 
by Joseph Francis | Feb 8, 2018 | Budget Boss, Budgeting, Budgets, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independece, Financial Independence, Financial Plan, Financial Planner, Investing, Investment Strategy, Joseph James Francis, Money, Mutual Funds, Registered Retirement Savings Plan, RRSP, RRSP versus TFSA, Saving, Tax Effieciency, Tax-Free Savings Account, TFSA, Wealth, Wealth Building, Wealth Planning
Thursday, February 8, 2018 5 Ways to Maximize Your RRSP This week at Budget Boss, we have been learning about the Registered Retirement Savings Plan and how it can be a great way to save for your future. With the RRSP deadline fast approaching you might be stressing... 
by Joseph Francis | Feb 7, 2018 | Budget Boss, Budgeting, Budgets, Buying a Home, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independece, Financial Independence, Financial Plan, Financial Planner, Home Buyer's Plan, Home Ownership, Investing, Investment Strategy, Investments, Joseph James Francis, Money, Mortgage Planning, Mortgages, Registered Retirement Savings Plan, RRSP, Saving, Saving for a Down Payment, Saving Money, Wealth, Wealth Building, Wealth Planning
Wednesday, February 7, 2018 The Home Buyer’s and Lifelong Learning Plans One of the constant complaints I hear from people about their RRSP’s is that they must pay tax when they withdraw money. I always remind them that they never paid tax on that money to begin with... 