10 Tips to find employment that suits your budget and lifestyle

10 tips to find employment to suit your budget and lifestyle(1)

HOT JOBS: ARE THEY HARD TO FIND?   Most people don’t want to work in a minimum wage job the rest of their lives. Having further education or skills should help people find meaningful employment that earns more money. Finding employment that will earn you enough money to balance your budget doesn’t have to be difficult as long as you follow simple rules to get you the dream job you deserve. You may not find full-time employment in your dream job instantly but that’s fine as long as you get your foot in the door. Right now I’m working part-time in my dream job and they’ve already asked if I’d be interested in full-time just 2 years later. So many people put off working an extra part-time job just to squeeze their way in but sometimes you have to give up something to get in the door. I had to give up having days off and spending time with my family but I know that it will benefit us in the long run when I can be home quite a bit more. The best part is I am earning a great income while doing this and it doesn’t even feel […]

Your Will And The Legal Ramifications Of Death

Will & Testament Photo

HOW DEATH WILL AFFECT YOU   When a loved one dies, the grief that follows is often overwhelming and difficult to bear. I know this feeling all too well as my stepfather passed away in 2013 after a COPD diagnosis and several recurrences of cancer. If you’re a surviving spouse or a very close relative, the responsibility may fall on you to oversee the funeral arrangements and burial or cremation rites. During this time of mourning, it isn’t likely to be a forethought whether or not the deceased had a will, significant assets or debts. Settling an estate cannot be delayed for long however. Regardless of whether the deceased lived alone or had a surviving spouse, someone will need to assume the great task of sorting through the person’s financial life and personal belongings. This is in order to meet the law’s requirements on the settling of an estate.   Last will and testament   Upon the death of the individual, one of the first questions that needs to be asked is if the deceased had a valid last will and testament. In Canada, there are commonly three types of wills used.   Formal Will:  this is a typed document […]

Not having one of the best paying jobs is embarrassing

low-paying job

NEVER GIVE UP ON YOUR LIFE   We all have dreams of graduating school and finding one of the best paying jobs around so we can get a kick-start on life because money is important just to survive. Last week we talked about a CBB fan whose financial success turned her friends towards jealousy and it happens because people give up on themselves and focus on what they wish they could have. My wife told me after she graduated the first time it was hard for her to find one of the best paying jobs in her field unless she moved into the heart of Toronto. Most often finding the rewarding careers means you literally have to seek them out. Not everyone is in a position to move to secure their passions but for those that move to the big cities to live out their dreams many of them end up going back home. Some people move to different countries after graduating just to gain valuable work experience then either stay, move on or move back to their hometown. Passion in life means doing what you love in hopes that one day you look back and are happy you took […]

What or who do you rely on to earn an income?

Bus schedule earn income

YOU ARE YOUR INCOME SOURCE   We all need to earn an income to survive in this crazy world. Many people jump in their vehicle or rely on other community services in the morning to go to work. Typical day… maybe. What would happen if there was no more bus service or our vehicle stopped running? I never gave much thought about who or what I rely on to earn an income until this past week. I think plenty of people worry more about whether they will keep their job over how they will get to their job and other so-called slight factors that would cause an impeding problem to their income. To call them slight would be a huge mistake. Many of us live life similar to everyone else who gets up in the morning, eats breakfast, showers, sorts the family out and is off to work. Of course depending on your work schedule that might not be the way it rolls in your household but you know what I mean. I remember posting that when my wife and I bought a house we bought it on one income so we had almost a free income to work with […]

For the cost of a stamp a disability tax credits application cost one couple $1629

Disability Tax credits

TAKE TIME TO DO RESEARCH   Applying for the Revenue Canada disability tax credit certificate was something I did to help our friends’ parents who paid more than they needed to. When someone doesn’t know how to do something they normally do research or call in the professionals to help them. Often you hear stories about how people were taken advantage of or how they paid far too much for a service they could have easily done themselves.   Over-priced services   My friends’ mother had not realized that she could claim disability tax credits until it was mentioned to her by her daughter. She wanted to claim for the 10 years previous so she could claim at least some of the money she had over-paid the government while working and looking after her very ill husband. Her mother had already tried accessing disability tax credits through a company that advertised online and charged her $1300 for the service to no avail. It reminded me of the time when my wife and I were filling out the immigration forms to become a permanent resident in Canada. You could hire a representative to complete the forms which you would need to […]

Can you afford to take a full day off from work?

ill girl taking medicine

PAYING THE BILLS TAKES MONEY   In order to take a full day off from work for most people that means an entire day’s loss of income. That can be tough for any budget but there are times when it must be done. Unless your employer has provided you with stellar benefits or a contract that states your days off are paid sick days you might be shaking your head, no you can’t afford to take a full day off. You may say, yes you can afford to take a full day off because you have money saved up in the event that you need to take a day off and it won’t affect your budget too much. That’s great. Some employees are lucky they can carry over their sick days, bank them or get paid out for them but you must read the provisions of your contract with your employer to know what is covered. If you are not sure contact your human resources department or your benefits company for a more in-depth explanation. It’s better to know rather than to guess.   Full day off   Not everyone can afford to take a full day off from work […]