by Joseph Francis | Oct 11, 2018 | Budget Boss, Budgeting, Budgets, Cash Flow, Debt, Emergency Funds, Emergency Savings, Employment, 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, Minimalism, Money, Money Coach, Money Mentor, Saving, Saving Money, TFSA, Wasteful Spending, Wealth, Wealth Building, Wealth Mindset, Wealth Planning
Thursday, October 11, 2018 15 Side-Hustles that Can Build Your Bankroll We live in a tough economy. Wages are not keeping up with inflation. Every day it seems that life keeps getting more and more expensive. It is not uncommon to need 2 or even 3 jobs just to get by,... 
by Joseph Francis | Oct 9, 2018 | Budget Boss, Budgeting, Budgets, Cash Flow, Credit, Credit Card Debt, Credit Cards, Dave Ramsey, 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, Jobs, Joseph James Francis, Money, Money Coach, Money Mentor, Saving, Saving Money, Wasteful Spending, Wealth, Wealth Building, Wealth Mindset, Wealth Planning
Tuesday, October 9, 2018 Stop Living Paycheck to Paycheck Why is Friday always the most popular day of the week? The answer is pretty simple. For most people, it means they don’t have to go back to work for 60 hours. 50% of the time it is also payday for the majority... 
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 | Apr 25, 2018 | Budget Boss, Budgeting, Budgets, Buying a Home, 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, Home Buyer's Plan, Home Ownership, Joseph James Francis, Life Insurance, Money, Mortgage Insurance, Mortgage Loan Insurance, Mortgage Planning, Mortgage Rates, Mortgages, RRSP, Saving, Saving for a Down Payment, Saving Money
Wednesday, April 25, 2018 Buying a Home in a Red-Hot Real Estate Market We are living in a crazy era when it comes to buying a home. The experts are having trouble understanding what is going on and predicting what will happen next is impossible. What does the average... 
by Joseph Francis | Dec 1, 2017 | Budget Boss, Budgeting, Budgets, Cash Flow, Debt, Emergency Funds, Emergency Savings, Employment, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Health, Financial Independece, Financial Plan, Financial Planner, Goal Setting, Goal-Oriented Planning, Investing, Investment Strategy, Joseph James Francis, Money, Saving, Saving Money, Teaching Children About Money, Wealth, Wealth Building, Wealth Planning
Friday, December 1, 2017 The Crushing Blow of Negative Cash Flow Today is the first of the month. What that means for me is that this week I saw my bank account deplete from what I had built it up to during the course of the month. Boom, rent, boom cable, boom hydro,... 